Mortgage Lenders and Brokers in Kettle Falls, 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
Kettle Falls, Washington mortgage lenders include Spokane Teachers Credit UnionSpokane Teachers Credit Union375 W 3rd Ave, Kettle Falls, WA 99141A5.0 ★Texas Ratio: 10.05%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA504 N Olympic Ave, Arlington, WA 98223A+5.0 ★Texas Ratio: 3.68%, Numerica Credit UnionNumerica Credit Union1210 S Hayford Rd, Airway Heights, WA 99001A+5.0 ★Texas Ratio: 2.22%, Gesa Credit UnionGesa Credit Union5363 Auto Center Way, Bremerton, WA 98312A5.0 ★Texas Ratio: 6.57%, Wells Fargo Bank NAWells Fargo Bank NA1018 8th St, Anacortes, WA 98221A+5.0 ★Texas Ratio: 5.36%, Washington FederalWashington Federal1017 Commercial Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 4.48%, Glacier BankGlacier Bank1005 Highway 97, Brewster, WA 98812A+5.0 ★Texas Ratio: 1.87%, Horizon Credit UnionHorizon Credit Union1474 N Highway, Colville, WA 99114 2008A+5.0 ★Texas Ratio: 1.61%, Kitsap Credit UnionKitsap Credit Union51 NE State Route 300 Ste D, Belfair, WA 98528 8654A5.0 ★Texas Ratio: 6.36%, and Agwest Farm Credit, FlcaAgwest Farm Credit, FlcaSpokane, WA. 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 Kettle Falls, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kettle Falls 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 Kettle Falls, Washington
Market share is the lender's share of all home loans closed in Kettle Falls, 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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375 W 3rd Ave, Kettle Falls, WA 99141 A5.0 ★Texas Ratio: 10.05% |
Conventional, HELOC | 9 +12 HELOCs |
8% | 90% | $400,555 | View |
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504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.8% | 100% | $35,000 | View |
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1210 S Hayford Rd, Airway Heights, WA 99001 A+5.0 ★Texas Ratio: 2.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $315,000 | View |
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5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 33.3% | $265,000 | View |
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1018 8th St, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 50% | $435,000 | View |
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1017 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 4.48% |
Conventional | 1 | 0.9% | 100% | $355,000 | View |
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1005 Highway 97, Brewster, WA 98812 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.9% | 100% | $555,000 | View |
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1474 N Highway, Colville, WA 99114 2008 A+5.0 ★Texas Ratio: 1.61% |
HELOC | 0 +13 HELOCs |
0% | 33.3% | View | |
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51 NE State Route 300 Ste D, Belfair, WA 98528 8654 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Agwest Farm Credit, Flca
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Conventional | 1 | 0.9% | 100% | $105,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 12 | 10.6% | 100% | $295,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 7.1% | 100% | $341,250 | |
Geneva Financial LLC
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Conventional, FHA, VA | 8 | 7.1% | 100% | $146,250 | |
Rocket Mortgage
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Conventional, FHA, VA | 7 | 6.2% | 50% | $276,428 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 4.4% | 100% | $251,000 | |
Newrez LLC
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Conventional, FHA | 3 | 2.7% | 75% | $355,000 | |
Kind Lending, LLC
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Conventional, VA, USDA | 3 | 2.7% | 100% | $375,000 | |
loanDepot.com LLC
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Conventional | 3 | 2.7% | 80% | $391,666 | |
Premier Mortgage Resources, LLC
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Conventional | 2 | 1.8% | 100% | $245,000 | |
Loanunited.Com, LLC
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VA | 2 | 1.8% | 100% | $325,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1.8% | 100% | $170,000 | |
Synergy One Lending, Inc.
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Conventional, FHA | 2 | 1.8% | 100% | $140,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.8% | 100% | $395,000 | |
American Pacific Mortgage Corporation
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Conventional, VA | 2 | 1.8% | 100% | $250,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.8% | 100% | $110,000 | |
Mortgage Research Center
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VA | 2 | 1.8% | 50% | $360,000 | |
The Loan Store, Inc
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Conventional | 2 | 1.8% | 100% | $285,000 | |
Spring Eq, LLC
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Conventional | 2 | 1.8% | 28.6% | $65,000 | |
Village Capital & Investment
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VA | 2 | 1.8% | 100% | $330,000 | |
Idaho Central Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $405,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $185,000 | |
Freedom Northwest Credit Union
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Conventional | 1 | 0.9% | 100% | $285,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.9% | 100% | $415,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.9% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 4.12% |
Conventional | 1 | 0.9% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.9% | 50% | $75,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $185,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.9% | 100% | $125,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $595,000 | |
Filo Mortgage, LLC
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VA | 1 | 0.9% | 100% | $335,000 | |
Resicentral LLC
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FHA | 1 | 0.9% | 100% | $255,000 | |
Discover Bank
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Conventional | 1 | 0.9% | 50% | $165,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.9% | 100% | $315,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.9% | 100% | $295,000 | View |
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A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.9% | 100% | $175,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $335,000 | |
Nations Lending Corporation
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VA | 1 | 0.9% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.9% | 100% | $205,000 | View |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.9% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.9% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.9% | 100% | $125,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.9% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.9% | 50% | $365,000 | View |
Kettle Falls 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 Kettle Falls, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Kettle Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kettle Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kettle Falls, WA
Use these to narrow the list above. Each category shows how many Kettle Falls, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Kettle Falls, WA
Independent mortgage companies closed 76.1 percent of home loans in Kettle Falls, Washington in 2025, banks 10.6 percent and credit unions 13.3 percent. Agwest Farm Credit, Flca was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Spokane Teachers Credit Union the largest credit union. Among lenders headquartered in Washington, Spokane Teachers 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 Kettle Falls, WA
By home loans closed in 2025, Spokane Teachers Credit Union was the largest mortgage lender in Kettle Falls, Washington with 9 loans, about 8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Kettle Falls, Washington in 2025, led by Geneva Financial LLC with 3. 12 lenders closed VA loans, led by United Wholesale Mortgage, 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. 11 banks and 9 credit unions closed home loans in Kettle Falls, Washington in 2025, alongside 34 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 Kettle Falls, 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 Kettle Falls, 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 Kettle Falls. 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.
