Mortgage Lenders and Brokers in Cheney, Washington
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Cheney, Washington mortgage lenders include Cheney Federal Credit UnionCheney Federal Credit Union520 1ST ST, Cheney, WA 99004 1603A+5.0 ★Texas Ratio: 2.78%, Banner BankBanner Bank5 Cheney Spokane Rd, Cheney, WA 99004A+5.0 ★Texas Ratio: 2.91%, Spokane Teachers Credit UnionSpokane Teachers Credit Union2718 1st St, Cheney, WA 99004 2032A5.0 ★Texas Ratio: 10.05%, Sunflower Bank, N.A.Sunflower Bank, N.A.244 W Main Ave, Spokane, WA 99201A5.0 ★Texas Ratio: 10.77%, Washington Trust BankWashington Trust Bank10500 Ne 8th St, Bellevue, WA 98004A+5.0 ★Texas Ratio: 4.63%, Gesa Credit UnionGesa Credit Union5363 Auto Center Way, Bremerton, WA 98312A5.0 ★Texas Ratio: 6.57%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, Wells Fargo Bank NAWells Fargo Bank NA1018 8th St, Anacortes, WA 98221A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA3230 172nd St Ne, Arlington, WA 98223A+5.0 ★Texas Ratio: 4.14%, and US Bank, N.A.US Bank, N.A.910 O Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 2.85%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cheney, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cheney are listed first, then lenders elsewhere in Washington, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cheney, Washington
Market share is the lender's share of all home loans closed in Cheney, Washington. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
520 1ST ST, Cheney, WA 99004 1603 A+5.0 ★Texas Ratio: 2.78% |
Conventional | 9 | 5% | 100% | $158,333 | View |
|
1 office in Cheney 5 Cheney Spokane Rd, Cheney, WA 99004 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 3 +4 HELOCs |
1.7% | 60% | $395,000 | View |
|
2718 1st St, Cheney, WA 99004 2032 A5.0 ★Texas Ratio: 10.05% |
Conventional, HELOC | 6 +23 HELOCs |
3.4% | 100% | $361,666 | View |
|
244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77% |
Conventional, VA | 4 | 2.2% | 100% | $325,000 | View |
|
10500 Ne 8th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 4.63% |
Conventional, HELOC | 3 +2 HELOCs |
1.7% | 100% | $331,666 | View |
|
5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57% |
Conventional, HELOC | 3 +2 HELOCs |
1.7% | 100% | $241,666 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, HELOC | 2 +4 HELOCs |
1.1% | 100% | $255,000 | |
|
1018 8th St, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.1% | 100% | $250,000 | View |
|
3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $405,000 | View |
|
910 O Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.6% | 100% | $275,000 | View |
|
1474 N Highway, Colville, WA 99114 2008 A+5.0 ★Texas Ratio: 1.61% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
|
1218 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 0.88% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
|
1005 Highway 97, Brewster, WA 98812 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.6% | 100% | $635,000 | View |
|
1210 S Hayford Rd, Airway Heights, WA 99001 A+5.0 ★Texas Ratio: 2.22% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
300 W Main St, Battle Ground, WA 98604 4410 A+5.0 ★Texas Ratio: 5.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Wsecu
|
Conventional, HELOC | 4 +1 HELOCs |
2.2% | 83.3% | $187,500 | |
Basis Home Loans LLC
|
Conventional | 1 | 0.6% | 100% | $605,000 | |
Evergreen Moneysource Mortgage Company
|
Conventional | 1 | 0.6% | 100% | $305,000 | |
|
A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA, VA | 11 | 6.1% | 100% | $272,272 | View |
Cmg Mortgage Inc
|
Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
5% | 100% | $411,666 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 9 | 5% | 90.9% | $383,888 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA, USDA | 8 | 4.5% | 100% | $368,750 | |
Rocket Mortgage
|
Conventional, VA | 7 | 3.9% | 61.5% | $252,142 | |
Mortgage Research Center
|
VA | 6 | 3.4% | 85.7% | $426,666 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 5 | 2.8% | 100% | $375,000 | |
American Pacific Mortgage Corporation
|
Conventional, FHA, VA | 5 | 2.8% | 100% | $395,000 | |
Pennymac Loan Services LLC
|
Conventional, VA | 4 | 2.2% | 100% | $317,500 | |
Lennar Mortgage, LLC
|
Conventional | 4 | 2.2% | 100% | $317,500 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 2.2% | 100% | $247,500 | |
Guaranteed Rate, Inc.
|
Conventional, FHA, VA | 3 | 1.7% | 100% | $395,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 3 | 1.7% | 80% | $375,000 | |
Triad Financial Services, Inc.
|
Conventional | 3 | 1.7% | 50% | $85,000 | |
Movement Mortgage, LLC
|
Conventional, VA, Jumbo | 3 | 1.7% | 100% | $535,000 | |
Amerisave Mortgage Company
|
Conventional | 3 | 1.7% | 60% | $325,000 | |
Guild Mortgage Company
|
Conventional, VA | 3 | 1.7% | 100% | $241,666 | |
Cardinal Financial Company, Li
|
Conventional, FHA | 3 | 1.7% | 100% | $215,000 | |
loanDepot.com LLC
|
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.1% | 100% | $240,000 | |
Newrez LLC
|
Conventional, VA | 2 | 1.1% | 50% | $290,000 | |
Global Federal Credit Union
|
Conventional, VA | 2 | 1.1% | 100% | $365,000 | |
|
A+5.0 ★Texas Ratio: 3.21% |
Conventional, VA | 2 | 1.1% | 100% | $510,000 | View |
Bay Equity LLC
|
Conventional, VA | 2 | 1.1% | 100% | $375,000 | |
Nationstar Mortgage
|
Conventional | 2 | 1.1% | 100% | $160,000 | |
Carrington Mortgage Services LLC
|
Conventional, FHA | 2 | 1.1% | 100% | $210,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 1.1% | 100% | $220,000 | View |
Idaho Central Credit Union
|
Conventional, FHA | 2 | 1.1% | 100% | $315,000 | |
Premier Mortgage Resources, LLC
|
VA | 1 | 0.6% | 100% | $625,000 | |
American Financial Resources LLC
|
FHA | 1 | 0.6% | 100% | $425,000 | |
Residential Wholesale Mortgage
|
Conventional | 1 | 0.6% | 100% | $235,000 | |
Everett Financial, Inc.
|
Conventional | 1 | 0.6% | 100% | $325,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.6% | 50% | $35,000 | |
Kind Lending, LLC
|
VA | 1 | 0.6% | 100% | $365,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.6% | 100% | $365,000 | |
Synergy One Lending, Inc.
|
Conventional | 1 | 0.6% | 100% | $195,000 | |
Priority Home Lending, LLC
|
Conventional | 1 | 0.6% | 100% | $375,000 | |
Sun West Mortgage Company, Inc
|
VA | 1 | 0.6% | 100% | $275,000 | |
Intercap Lending Inc
|
Conventional | 1 | 0.6% | 100% | $395,000 | |
Credit Human Federal Credit Un
|
Conventional | 1 | 0.6% | 100% | $155,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.6% | 100% | $145,000 | View |
Provident Funding Associates
|
Conventional | 1 | 0.6% | 100% | $305,000 | |
Utah Power Credit Union
|
Conventional | 1 | 0.6% | 100% | $365,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 1 | 0.6% | 100% | $255,000 | |
|
A+5.0 ★Texas Ratio: 0.89% |
VA | 1 | 0.6% | 100% | $445,000 | View |
V.I.P. Mortgage, Inc.
|
Conventional | 1 | 0.6% | 100% | $225,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.6% | 100% | $305,000 | |
Mutual of Omaha Mortgage
|
FHA | 1 | 0.6% | 100% | $235,000 | |
DHI Mortgage Company, LTD.
|
Conventional | 1 | 0.6% | 100% | $335,000 | |
Paramount Residential Mortgage
|
USDA | 1 | 0.6% | 100% | $315,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.6% | 100% | $205,000 | |
Leaderone Financial Corp.
|
Conventional | 1 | 0.6% | 100% | $285,000 | |
Village Capital & Investment
|
VA | 1 | 0.6% | 100% | $425,000 | |
|
A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Union Home Mortgage Corp.
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Geneva Financial LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Cheney Mortgage Rate Trends
Daily average mortgage rates for Washington compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cheney, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Cheney? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cheney in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cheney, WA
Use these to narrow the list above. Each category shows how many Cheney, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Cheney, WA
Independent mortgage companies closed 68.2 percent of home loans in Cheney, Washington in 2025, banks 12.3 percent and credit unions 19.6 percent. Basis Home Loans LLC was the largest mortgage company, Banner Bank the largest bank and Cheney Federal Credit Union the largest credit union. Among lenders headquartered in Washington, Cheney Federal Credit Union led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Washington. Graduated state real estate excise tax paid by the seller: 1.1 percent up to $525,000, 1.28 percent from $525,000 to $1.525 million, 2.75 percent to $3.025 million and 3 percent above, plus local REET usually 0.25 to 0.5 percent; no mortgage tax.
More Washington Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cheney, WA
By home loans closed in 2025, Cheney Federal Credit Union was the largest mortgage lender in Cheney, Washington with 9 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Cheney, Washington in 2025, led by Canopy Mortgage, LLC with 5. 25 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 14 banks and 15 credit unions closed home loans in Cheney, Washington in 2025, alongside 48 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cheney, Washington during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cheney, Washington for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cheney. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
