Mortgage Lenders and Brokers in Four Lakes, Washington
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Four Lakes, Washington mortgage lenders include Cheney Federal Credit UnionCheney Federal Credit Union520 1ST ST, Cheney, WA 99004 1603A+5.0 ★Texas Ratio: 2.78%, Spokane Teachers Credit UnionSpokane Teachers Credit Union10811 W State Route 2, Airway Heights, WA 99001 5167A5.0 ★Texas Ratio: 10.05%, Sunflower Bank, N.A.Sunflower Bank, N.A.244 W Main Ave, Spokane, WA 99201A5.0 ★Texas Ratio: 10.77%, Banner BankBanner Bank1400 Commercial Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 2.91%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, Washington Trust BankWashington Trust Bank10500 Ne 8th St, Bellevue, WA 98004A+5.0 ★Texas Ratio: 4.63%, Wells Fargo Bank NAWells Fargo Bank NA1018 8th St, Anacortes, WA 98221A+5.0 ★Texas Ratio: 5.36%, Glacier BankGlacier Bank1005 Highway 97, Brewster, WA 98812A+5.0 ★Texas Ratio: 1.87%, Numerica Credit UnionNumerica Credit Union1210 S Hayford Rd, Airway Heights, WA 99001A+5.0 ★Texas Ratio: 2.22%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA504 N Olympic Ave, Arlington, WA 98223A+5.0 ★Texas Ratio: 3.68%. 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 Four Lakes, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Four Lakes 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 Four Lakes, Washington
Market share is the lender's share of all home loans closed in Four Lakes, 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 |
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520 1ST ST, Cheney, WA 99004 1603 A+5.0 ★Texas Ratio: 2.78% |
Conventional | 12 | 5.9% | 75% | $242,500 | View |
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10811 W State Route 2, Airway Heights, WA 99001 5167 A5.0 ★Texas Ratio: 10.05% |
Conventional, HELOC | 11 +19 HELOCs |
5.4% | 80% | $321,363 | View |
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244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77% |
Conventional, FHA, VA, Jumbo | 6 | 3% | 100% | $563,333 | View |
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1400 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.91% |
Conventional, VA, HELOC | 2 +3 HELOCs |
1% | 66.7% | $350,000 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, HELOC | 2 +2 HELOCs |
1% | 100% | $330,000 | |
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10500 Ne 8th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 4.63% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $275,000 | View |
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1018 8th St, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1% | 100% | $320,000 | View |
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1005 Highway 97, Brewster, WA 98812 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 2 | 1% | 100% | $420,000 | View |
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1210 S Hayford Rd, Airway Heights, WA 99001 A+5.0 ★Texas Ratio: 2.22% |
Conventional, HELOC | 1 +11 HELOCs |
0.5% | 50% | $665,000 | View |
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504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $345,000 | View |
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300 W Main St, Battle Ground, WA 98604 4410 A+5.0 ★Texas Ratio: 5.25% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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900 S Ruby St, Ellensburg, WA 98926 A+5.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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930 N Howard St, Spokane, WA 99201 A5.0 ★Texas Ratio: 6.81% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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100 W 1st St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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1474 N Highway, Colville, WA 99114 2008 A+5.0 ★Texas Ratio: 1.61% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 11917 W Sunset Hwy, Airway Heights, WA 99001 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Wsecu
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Conventional, FHA, HELOC | 4 +3 HELOCs |
2% | 66.7% | $192,500 | |
Sammamish Mortgage Company
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Spokane Firefighters Credit Un
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Conventional | 1 | 0.5% | 100% | $395,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 33 | 16.3% | 84.6% | $384,393 | |
Rocket Mortgage
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Conventional, FHA, VA | 14 | 6.9% | 93.3% | $308,571 | |
Mortgage Research Center
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Conventional, VA | 9 | 4.5% | 90% | $456,111 | |
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A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA, VA | 7 | 3.5% | 100% | $357,857 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 7 | 3.5% | 100% | $342,142 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 3% | 75% | $345,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 6 | 3% | 100% | $485,000 | |
Idaho Central Credit Union
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Conventional, VA | 6 | 3% | 81.8% | $383,333 | |
Nationstar Mortgage
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Conventional, FHA, VA | 5 | 2.5% | 100% | $175,000 | |
loanDepot.com LLC
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Conventional, VA | 4 | 2% | 100% | $222,500 | |
Cardinal Financial Company, Li
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Conventional, FHA | 4 | 2% | 100% | $262,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 4 | 2% | 100% | $440,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 4 | 2% | 100% | $365,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 3 | 1.5% | 60% | $248,333 | |
Premier Lending Inc.
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Conventional, VA | 3 | 1.5% | 100% | $318,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.5% | 75% | $431,666 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1% | 22.2% | $110,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 1% | 100% | $325,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 1% | 40% | $255,000 | |
Nbkc Bank
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VA | 2 | 1% | 100% | $405,000 | |
Synergy One Lending, Inc.
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Conventional | 2 | 1% | 100% | $145,000 | |
Sun West Mortgage Company, Inc
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VA | 2 | 1% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 2 | 1% | 100% | $465,000 | |
Paramount Residential Mortgage
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FHA | 2 | 1% | 100% | $460,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 1% | 100% | $175,000 | View |
Alameda Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $475,000 | |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.5% | 100% | $425,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.5% | 100% | $445,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 50% | $265,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.5% | 50% | $85,000 | |
Guild Mortgage Company
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FHA | 1 | 0.5% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA | 1 | 0.5% | 100% | $495,000 | View |
Valley West Corporation
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VA | 1 | 0.5% | 100% | $405,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Nfm, Inc
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FHA | 1 | 0.5% | 100% | $465,000 | |
Churchill Mortgage Corporation
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VA | 1 | 0.5% | 100% | $385,000 | |
Generations Home Loans, LLC
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FHA | 1 | 0.5% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $365,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $335,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Four Lakes 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 Four Lakes, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Four Lakes? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Four Lakes in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Four Lakes, WA
Use these to narrow the list above. Each category shows how many Four Lakes, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Four Lakes, WA
Independent mortgage companies closed 68.3 percent of home loans in Four Lakes, Washington in 2025, banks 10.9 percent and credit unions 20.8 percent. Sammamish Mortgage Company was the largest mortgage company, Sunflower Bank, N.A. the largest bank and Cheney Federal Credit Union the largest credit union. Among lenders headquartered in Washington, Cheney Federal Credit Union led with 12 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 Four Lakes, WA
By home loans closed in 2025, Cheney Federal Credit Union was the largest mortgage lender in Four Lakes, Washington with 12 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Four Lakes, Washington in 2025, led by DHI Mortgage Company, LTD. with 4. 22 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 1 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. 16 banks and 13 credit unions closed home loans in Four Lakes, Washington in 2025, alongside 35 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 Four Lakes, 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 Four Lakes, 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 Four Lakes. 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.
