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Mortgage Lenders and Brokers in Spokane Valley, Washington

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Spokane Valley, Washington mortgage lenders include Glacier BankGlacier Bank12321 E Mission Ave, Spokane Valley, WA 99216A+5.0 ★Texas Ratio: 1.87%, Washington Trust BankWashington Trust Bank407 N Sullivan Rd, Spokane Valley, WA 99037A+5.0 ★Texas Ratio: 4.63%, US Bank, N.A.US Bank, N.A.15426 E Sprague Ave, Spokane Valley, WA 99037A+5.0 ★Texas Ratio: 2.85%, Numerica Credit UnionNumerica Credit Union14610 E Sprague Ave, Spokane Valley, WA 99216A+5.0 ★Texas Ratio: 2.22%, Columbia BankColumbia Bank404 North West Avenue, Arlington, WA 98223A+5.0 ★Texas Ratio: 2.28%, First Interstate BankFirst Interstate Bank15015 E Sprague Ave, Spokane Valley, WA 99216A+5.0 ★Texas Ratio: 4.72%, Horizon Credit UnionHorizon Credit Union201 N Mullan Rd, Spokane Valley, WA 99206 3790A+5.0 ★Texas Ratio: 1.61%, Spokane Teachers Credit UnionSpokane Teachers Credit Union13501 E Sprague Ave, Spokane Valley, WA 99216A5.0 ★Texas Ratio: 10.05%, Sunflower Bank, N.A.Sunflower Bank, N.A.244 W Main Ave, Spokane, WA 99201A5.0 ★Texas Ratio: 10.77%, and Gesa Credit UnionGesa Credit Union5123 E 3rd Ave, Spokane Valley, WA 99212A5.0 ★Texas Ratio: 6.57%. 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 Spokane Valley, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spokane Valley 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 Spokane Valley, Washington

Market share is the lender's share of all home loans closed in Spokane Valley, 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
Glacier Bank 1 office in Spokane Valley 12321 E Mission Ave, Spokane Valley, WA 99216 A+5.0 ★Texas Ratio: 1.87%	Conventional, FHA, VA, Jumbo, HELOC	38 +5 HELOCs	1.7%	90.7%	$435,789	View
Washington Trust Bank 1 office in Spokane Valley 407 N Sullivan Rd, Spokane Valley, WA 99037 A+5.0 ★Texas Ratio: 4.63%	Conventional, FHA, VA, Jumbo, HELOC	32 +57 HELOCs	1.4%	72.7%	$417,500	View
US Bank, N.A. 1 office in Spokane Valley 15426 E Sprague Ave, Spokane Valley, WA 99037 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	26 +22 HELOCs	1.2%	76.3%	$334,230	View
Numerica Credit Union 14610 E Sprague Ave, Spokane Valley, WA 99216 A+5.0 ★Texas Ratio: 2.22%	Conventional, Jumbo, HELOC	16 +143 HELOCs	0.7%	76.2%	$548,750	View
Columbia Bank 1 office in Spokane Valley 404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28%	Conventional, FHA, HELOC	10 +14 HELOCs	0.4%	90.9%	$357,000	View
First Interstate Bank ★ 1 stars, 1 review 1 office in Spokane Valley 15015 E Sprague Ave, Spokane Valley, WA 99216 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	2 +13 HELOCs	0.1%	100%	$315,000	View
Horizon Credit Union 201 N Mullan Rd, Spokane Valley, WA 99206 3790 A+5.0 ★Texas Ratio: 1.61%	Conventional, HELOC	1 +28 HELOCs	0%	33.3%	$735,000	View
Spokane Teachers Credit Union 13501 E Sprague Ave, Spokane Valley, WA 99216 A5.0 ★Texas Ratio: 10.05%	Conventional, FHA, Jumbo, HELOC	105 +211 HELOCs	4.7%	79.3%	$240,904	View
Sunflower Bank, N.A. 244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77%	Conventional, FHA, VA, Jumbo	90	4%	94.7%	$417,888	View
Gesa Credit Union 5123 E 3rd Ave, Spokane Valley, WA 99212 A5.0 ★Texas Ratio: 6.57%	Conventional, Jumbo, HELOC	37 +17 HELOCs	1.6%	88.1%	$401,756	View
Boeing Employees' Credit Union 615 N Sullivan Rd, Spokane Valley, WA 99037	Conventional, FHA, VA, Jumbo, HELOC	24 +44 HELOCs	1.1%	85.7%	$382,500
JPMorgan Chase Bank, NA 504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	21	0.9%	88%	$287,857	View
Banner Bank 505 N Argonne Rd Ste A1, Spokane Valley, WA 99212 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, VA, HELOC	16 +18 HELOCs	0.7%	72.7%	$425,000	View
Canopy Federal Credit Union 13105 E Sprague Ave, Spokane Valley, WA 99216 0841 A5.0 ★Texas Ratio: 6.81%	Conventional	15	0.7%	93.8%	$125,666	View
Wells Fargo Bank NA 1018 8th St, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 5.36%	Conventional	10	0.4%	76.9%	$236,000	View
Bank of America NA 3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +8 HELOCs	0.1%	80%	$608,333	View
Armed Forces Bank, N.A. Pendleton Avenue and North 12th Street, Fort Lewis, WA 98433 A+5.0 ★Texas Ratio: 4.81%	VA	2	0.1%	100%	$515,000	View
1st Security Bank of Washington 100 W 1st St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.31%	Conventional	2	0.1%	100%	$455,000	View
Keybank National Association 100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	100%	$705,000	View
Qualstar Credit Union 24000 35th Ave SE # 200, Bothell, WA 98021 8990 A+5.0 ★Texas Ratio: 4.83%	Conventional	1	0%	100%	$55,000	View
Red Canoe Credit Union 1620 Lake Tapps PKWY SE Ste 101, Auburn, WA 98092 A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	100%	$45,000	View
Hapo Communtiy Credit Union 2376 TAUMARSON RD, College Place, WA 99324 A+5.0 ★Texas Ratio: 1.09%	Conventional	1	0%	50%	$585,000	View
BMO Harris Bank NA 312 N Ruby St, Ellensburg, WA 98926 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	1	0%	100%	$1,045,000	View
Washington Federal 1017 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 4.48%	Conventional	1	0%	100%	$465,000	View
Cheney Federal Credit Union 520 1ST ST, Cheney, WA 99004 1603 A+5.0 ★Texas Ratio: 2.78%	Conventional	1	0%	100%	$465,000	View
TAPCO Credit Union 19371 STATE ROUTE 410 E, Bonney Lake, WA 98391 A+5.0 ★Texas Ratio: 2.45%	Conventional	1	0%	100%	$255,000	View
Coastal Community Bank 525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Zions Bancorporation, N.A. 10900 Ne 4th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Mechanics Bank 921 Hildebrand Ln Ne, Bainbridge Island, WA 98110 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +1 HELOCs	0%	n/a		View
Wsecu	Conventional, FHA, HELOC	21 +11 HELOCs	0.9%	60%	$138,809
Evergreen Moneysource Mortgage Company	Conventional, FHA	16	0.7%	94.7%	$427,500
Sammamish Mortgage Company	Conventional, VA	3	0.1%	100%	$468,333
Spokane Firefighters Credit Un	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$530,000
Basis Home Loans LLC	Conventional	1	0%	100%	$385,000
Community First Bank A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0%	100%	$385,000	View
Flyhomes Mortgage LLC	Conventional	1	0%	100%	$295,000
HomeStreet Bank	HELOC	0 +5 HELOCs	0%	n/a
Whatcom Educational Credit Uni	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	222	9.8%	85.9%	$253,063
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	204 +5 HELOCs	9%	90%	$423,872
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	104 +6 HELOCs	4.6%	97.4%	$397,788
DHI Mortgage Company, LTD.	Conventional, FHA, VA	82	3.6%	89.1%	$392,560
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	80 +4 HELOCs	3.5%	100%	$388,625
Idaho Central Credit Union	Conventional, FHA, Jumbo, HELOC	71 +42 HELOCs	3.1%	92.4%	$483,732
Canopy Mortgage, LLC A5.0 ★Texas Ratio: 6.81%	Conventional, FHA, VA	66	2.9%	100%	$328,181	View
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	54	2.4%	94.8%	$413,703
CrossCountry Mortgage, LLC	Conventional, FHA, VA	53	2.4%	100%	$416,698
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	43	1.9%	95.6%	$438,255
Guild Mortgage Company	Conventional, FHA, VA	37	1.6%	97.6%	$337,432
Movement Mortgage, LLC	Conventional, FHA, VA	31	1.4%	92.1%	$241,451
Pennymac Loan Services LLC	Conventional, FHA, VA	31	1.4%	86.5%	$235,000
Nationstar Mortgage	Conventional, FHA	29	1.3%	82.9%	$173,275
Newrez LLC	Conventional, VA	28	1.2%	74.4%	$335,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA, Jumbo	28	1.2%	96.6%	$446,428	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	27 +5 HELOCs	1.2%	82.4%	$219,074
Lennar Mortgage, LLC	Conventional, FHA, VA	26	1.2%	89.7%	$509,615
Mortgage Research Center	VA	24	1.1%	80%	$418,750
Freedom Mortgage Corporation	Conventional, FHA, VA	23	1%	81.6%	$349,347
Premier Mortgage Resources, LLC	Conventional, FHA, VA	21	0.9%	95.5%	$338,333
Envoy Mortgage, Ltd	Conventional, FHA, VA, Jumbo	17	0.8%	100%	$444,411
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	16	0.7%	94.1%	$396,875
Synergy One Lending, Inc.	Conventional, FHA, VA	15	0.7%	100%	$295,000
Spring Eq, LLC	Conventional, HELOC	14 +5 HELOCs	0.6%	48.3%	$90,000
Kind Lending, LLC	Conventional, FHA, VA	14	0.6%	100%	$362,142
The Loan Store, Inc	Conventional, FHA	14	0.6%	100%	$400,714
Summit Funding.Inc	Conventional, FHA, VA	14	0.6%	93.3%	$296,428
New American Funding, LLC.	Conventional, FHA, HELOC	13 +2 HELOCs	0.6%	61.9%	$230,384
Provident Funding Associates	Conventional	13	0.6%	100%	$472,692
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	12 +5 HELOCs	0.5%	92.3%	$308,333
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	12	0.5%	45.5%	$215,000
Amerisave Mortgage Company	Conventional, FHA	12	0.5%	41.4%	$146,666
Triad Financial Services, Inc.	Conventional	10	0.4%	81%	$89,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA, Jumbo	10	0.4%	90.9%	$385,000	View
Paramount Residential Mortgage	Conventional, FHA, VA	10	0.4%	100%	$384,000
Willamette Valley Bank A+5.0 ★Texas Ratio: 0.89%	Conventional, FHA, VA	9	0.4%	90%	$461,666	View
Mutual of Omaha Mortgage	Conventional, FHA, VA	9	0.4%	85.7%	$289,444
Potlatch No 1 Financial Credit U	Conventional, HELOC	8 +3 HELOCs	0.4%	81.8%	$205,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA, HELOC	8 +1 HELOCs	0.4%	100%	$217,500	View
Intercap Lending Inc	Conventional, Jumbo	8	0.4%	100%	$556,250
Premier Lending Inc.	Conventional, FHA, VA, Jumbo	7	0.3%	100%	$280,714
Geneva Financial LLC	Conventional, FHA, VA	7	0.3%	100%	$339,285
Lower, LLC	Conventional, FHA, VA	7	0.3%	77.8%	$415,000
Carrington Mortgage Services LLC	Conventional, FHA, VA, Jumbo	7	0.3%	75%	$309,285
Cardinal Financial Company, Li	Conventional, FHA	6	0.3%	72.7%	$270,000
Nfm, Inc	Conventional, FHA	6	0.3%	85.7%	$440,000
New Day Financial, LLC.	VA	6	0.3%	46.2%	$445,000
Generations Home Loans, LLC	Conventional, FHA, VA	6	0.3%	85.7%	$328,333
Global Federal Credit Union	Conventional, FHA, VA, HELOC	5 +1 HELOCs	0.2%	71.4%	$355,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	5	0.2%	83.3%	$313,000
Planet Home Lending, LLC	Conventional, VA	5	0.2%	85.7%	$365,000
Better Mortgage Corporation	Conventional, HELOC	4 +1 HELOCs	0.2%	80%	$300,000
Sage Home Loans Corporation	Conventional	4	0.2%	80%	$492,500
Filo Mortgage, LLC	Conventional, FHA, VA	4	0.2%	83.3%	$297,500
Discover Bank	Conventional	4	0.2%	25%	$57,500
Sun West Mortgage Company, Inc	Conventional, FHA, VA	4	0.2%	100%	$495,000
Union Home Mortgage Corp.	Conventional	4	0.2%	100%	$305,000
Churchill Mortgage Corporation	Conventional, FHA, VA	4	0.2%	100%	$307,500
Zillow Home Loans, LLC	Conventional	4	0.2%	100%	$325,000
Village Capital & Investment	FHA, VA	4	0.2%	100%	$435,000
Originpoint, LLC	Conventional, FHA	3	0.1%	100%	$551,666
Primelending	Conventional, FHA	3	0.1%	100%	$271,666
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	3	0.1%	100%	$835,000	View
Directors Mortgage, Inc	Conventional, FHA	3	0.1%	100%	$198,333
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, VA	3	0.1%	100%	$395,000	View
American Financing Corporation	Conventional, FHA	3	0.1%	44.4%	$245,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.1%	60%	$288,333	View
Nations Direct Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$321,666
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	3	0.1%	100%	$528,333	View
Leaderone Financial Corp.	Conventional, FHA	3	0.1%	100%	$388,333
Goodleap, LLC	Conventional, FHA, HELOC	2 +4 HELOCs	0.1%	50%	$310,000
Pentagon Federal Credit Union	VA, HELOC	2 +2 HELOCs	0.1%	66.7%	$530,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	50%	$460,000	View
Cornerstone First Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$185,000
American Financial Resources LLC	VA	2	0.1%	100%	$215,000
Freedom Northwest Credit Union	Conventional	2	0.1%	100%	$125,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.1%	100%	$380,000	View
Nbkc Bank	Conventional	2	0.1%	66.7%	$480,000
Loanunited.Com, LLC	FHA, VA	2	0.1%	100%	$430,000
Wallick and Volk, Inc.	Conventional, FHA	2	0.1%	100%	$505,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA, Jumbo	2	0.1%	100%	$725,000	View
Credit Human Federal Credit Un	Conventional	2	0.1%	42.9%	$120,000
Intelliloan, Inc.	FHA	2	0.1%	100%	$340,000
T2 Financial LLC	Conventional	2	0.1%	100%	$305,000
Waterstone Mortgage Corporation	Conventional, VA	2	0.1%	100%	$335,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.1%	100%	$350,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	2	0.1%	100%	$590,000	View
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$205,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$280,000	View
Nmsi, Inc.	Conventional, FHA	2	0.1%	100%	$375,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	2	0.1%	75%	$210,000	View
Nexera Holding LLC	Conventional	2	0.1%	100%	$570,000
Reliance First Capital, LLC	Conventional	2	0.1%	100%	$215,000
Loan Simple, Inc.	FHA	2	0.1%	100%	$380,000
Mason-McDuffie Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$180,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	66.7%	$655,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	2	0.1%	100%	$620,000	View
Alliant Credit Union	Conventional, Jumbo, HELOC	1 +3 HELOCs	0%	100%	$1,015,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +3 HELOCs	0%	100%	$635,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$225,000	View
Mountain America Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	50%	$115,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$755,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$305,000	View
Panorama Mortgage Group, LLC	VA	1	0%	100%	$505,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$315,000	View
Go Mortgage, LLC	Conventional	1	0%	100%	$345,000
MortgageOne, Inc	Conventional	1	0%	100%	$385,000
Watermark Capital, Inc.	Conventional	1	0%	100%	$355,000
PHH Mortgage Corporation	FHA	1	0%	100%	$335,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$405,000	View
Resicentral LLC	VA	1	0%	100%	$305,000
Oaktree Funding Corp	Conventional	1	0%	100%	$445,000
American Financial Network, Inc.	FHA	1	0%	33.3%	$295,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0%	100%	$1,055,000
HomeXpress Mortgage Corp.	Conventional	1	0%	100%	$215,000
Nqm Funding, LLC	Conventional	1	0%	100%	$465,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$415,000
New Wave Lending Group Inc	Conventional	1	0%	100%	$395,000
Oceanside Mortgage Company	FHA	1	0%	100%	$185,000
ClearPath Lending	VA	1	0%	100%	$405,000
Securitynational Mortgage Company	FHA	1	0%	100%	$405,000
First Colony Mortgage Corporat	Conventional	1	0%	100%	$225,000
Highlands Residential Mortgage, Ltd.	FHA	1	0%	100%	$285,000
Mortgage Express A5.0 ★Texas Ratio: 9.52%	Conventional	1	0%	100%	$325,000	View
Stg Mortgage Inc	Conventional	1	0%	100%	$375,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$375,000
Summit Mortgage Corporation	Conventional	1	0%	100%	$365,000
Abbott Laboratories Employees Credit Union	Conventional	1	0%	100%	$375,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$575,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$505,000
Nuvision Federal Credit Union	Conventional	1	0%	100%	$335,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0%	100%	$585,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	VA	1	0%	100%	$415,000	View
Plaza Home Mortgage, Inc	Conventional	1	0%	100%	$435,000
Goprime Mortgage, Inc.	VA	1	0%	100%	$415,000
Vista Point Mortgage, LLC	Conventional	1	0%	100%	$345,000
Southwest Funding LP	Conventional	1	0%	100%	$495,000
Tomo Mortgage LLC	Conventional	1	0%	100%	$345,000
Champions Funding, LLC	Conventional	1	0%	100%	$335,000
JMAC Lending, Inc.	FHA	1	0%	100%	$535,000
Figure Lending LLC A+5.0 ★Texas Ratio: 4.66%	HELOC	0 +14 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +8 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Farmers Insurance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Signature Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Mission Loans, LLC	HELOC	0 +1 HELOCs	0%	100%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Spokane Valley Mortgage Rate Trends

Daily average mortgage rates for Washington compared with the national average, updated every evening.

30-Year Fixed WA Avg

7.497%

▲ 0.070 vs 7 days ago

15-Year Fixed WA Avg

7.029%

▲ 0.067 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Spokane Valley, Washington

Looking for mortgage lenders near me or mortgage brokers near me in Spokane Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spokane Valley in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Spokane Valley, WA

Use these to narrow the list above. Each category shows how many Spokane Valley, WA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 112 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 46 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 80 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 65 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 26 lenders. Loans above the conforming limit for higher priced homes Local lenders based in WA 25 lenders headquartered in Washington, the closest thing to a mortgage lender near you

Who Lends in Spokane Valley, WA

Independent mortgage companies closed 69.6 percent of home loans in Spokane Valley, Washington in 2025, banks 15.7 percent and credit unions 14.7 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, Glacier Bank the largest bank and Numerica Credit Union the largest credit union. Among lenders headquartered in Washington, Washington Trust Bank led with 32 loans.

69.6%

Mortgage companies

15.7%

Banks

14.7%

Credit unions

15%

FHA loans

12%

VA 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.

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Frequently Asked Questions About Mortgage Lenders in Spokane Valley, WA

Who is the largest mortgage lender in Spokane Valley, WA?

By home loans closed in 2025, Glacier Bank was the largest mortgage lender in Spokane Valley, Washington with 38 loans, about 1.7 percent of the market. The largest lender headquartered in Washington was Washington Trust Bank with 32 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Spokane Valley, WA have the highest approval rates?

Among lenders with meaningful volume in Spokane Valley, Washington, Guaranteed Rate, Inc. approved the highest share of completed applications in 2025 at 100 percent, against a 86.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Spokane Valley, WA mortgage lenders offer FHA, VA and USDA loans?

80 lenders closed FHA loans in Spokane Valley, Washington in 2025, led by United Wholesale Mortgage with 37. 65 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.

Are credit unions and local banks included in this Spokane Valley, WA lender list?

Yes. 46 banks and 29 credit unions closed home loans in Spokane Valley, Washington in 2025, alongside 112 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.

How are mortgage lenders in Spokane Valley, WA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Spokane Valley, 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 Spokane Valley, 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 Spokane Valley. 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.