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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Company Lenders in Spokane
Updated February 5, 2026
Market Overview
30
Total Lenders
6,337
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,355 | +0.073% | 575 | |
2 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,273 | +0.441% | 330 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,454 | +0.381% | 88 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,740 | +0.265% | 57 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,708 | -0.075% | 49 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,119 | +0.471% | 106 | |
7 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,048 | +0.110% | 33 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,511 | +0.296% | 14 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,360 | +0.180% | 402 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,807 | +0.345% | 195 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,101 | +0.186% | 57 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,635 | +0.414% | 45 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,653 | +0.381% | 199 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $3,686 | +0.412% | 40 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,308 | +0.533% | 171 | |
16 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,850 | +0.088% | 68 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,125 | +0.716% | 20 | |
18 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,526 | +0.445% | 206 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,432 | +0.446% | 183 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,090 | +0.115% | 35 | |
21 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,462 | +0.225% | 27 | |
22 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,567 | -0.758% | 21 | |
23 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $4,217 | +0.321% | 73 | |
24 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,781 | +0.498% | 42 | |
25 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $5,891 | +0.516% | 82 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,544 | +0.488% | 51 | |
27 | SCENIC OAKS FUNDING, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,133 | +0.195% | 34 | |
28 | LEADERONE FINANCIAL CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,200 | +0.132% | 29 | |
29 | PREMIER LENDING, INC. | Sound | Mediocre | Sound | Strong | Strong | $4,992 | +0.290% | 40 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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