What people paid for mortgages in Spokane County, WA (2025)
Across 5,607 closed home-purchase loans in 2025, the median interest rate in Spokane was 6.49%, and the middle half of borrowers got between 5.99% and 6.875%. Median total loan costs ran $7,813 on a median loan of $365,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.
Home purchase
- Median rate
- 6.49%
- Middle half of rates
- 5.99%–6.875%
- Median total loan costs
- $7,813
- Median loan amount
- $365,000
5,607 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $6,806
- Median loan amount
- $335,000
2,405 loans, 2025.
Lowest median rates in Spokane (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.LENNAR MORTGAGE, LLCbuilder lender4.5%181 loans, median costs $4,989
- 2.DHI Mortgage Company, LTD.builder lender5.375%292 loans, median costs $2,695
- 3.Navy Federal Credit Union5.875%38 loans, median costs $3,688
- 4.GESA CREDIT UNION6.125%80 loans, median costs $7,621
- 5.Kind Lending, LLC6.125%40 loans, median costs $8,612
Among lenders with at least 30 closed purchase loans in Spokane County in 2025.
Refinance
- 1.United Wholesale Mortgagebroker only5.875%349 loans, median costs $7,211
- 2.ROCKET MORTGAGE5.99%337 loans, median costs $8,064
- 3.Sunflower Bank, N.A.5.99%77 loans, median costs $6,499
- 4.PENNYMAC LOAN SERVICES LLC5.99%54 loans, median costs $6,415
- 5.NEWREZ LLC5.99%45 loans, median costs $6,102
Among lenders with at least 30 closed refinance loans in Spokane County in 2025.
Why you may not recognize these names
The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.
Lender by lender in Spokane
Every lender that closed at least 5 qualifying loans in Spokane County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgagebroker only | 419 | 6.499% | $8,615 | $3,670 | $3,369 |
| 2 | Sunflower Bank, N.A. | 369 | 6.49% | $8,577 | $4,278 | $3,093 |
| 3 | DHI Mortgage Company, LTD.builder lender | 292 | 5.375% | $2,695 | $0 | $2,204 |
| 4 | Spokane Teachers Credit Union | 282 | 6.375% | $6,222 | $3,520 | $1,604 |
| 5 | CMG MORTGAGE INC | 272 | 6.625% | $7,721 | $4,780 | $3,617 |
| 6 | CANOPY MORTGAGE, LLC | 225 | 6.375% | $13,907 | $6,624 | $5,670 |
| 7 | ROCKET MORTGAGE | 190 | 6.495% | $6,910 | $3,877 | $3,213 |
| 8 | CROSSCOUNTRY MORTGAGE, LLC | 189 | 6.875% | $8,286 | $4,040 | $3,901 |
| 9 | LENNAR MORTGAGE, LLCbuilder lender | 181 | 4.5% | $4,989 | $1,490 | $11,879 |
| 10 | American Pacific Mortgage Corporation | 177 | 6.75% | $8,778 | $5,060 | $4,043 |
| 11 | FAIRWAY INDEPENDENT MORT CORP | 164 | 6.625% | $8,565 | $5,105 | $3,261 |
| 12 | GUARANTEED RATE, INC. | 149 | 6.625% | $8,793 | $4,626 | $4,161 |
| 13 | IDAHO CENTRAL CREDIT UNION | 148 | 6.25% | $6,046 | $1,843 | $3,935 |
| 14 | Mortgage Research Center | 122 | 6.25% | $6,120 | $0 | $1,370 |
| 15 | GUILD MORTGAGE COMPANY | 108 | 6.625% | $10,317 | $4,910 | $5,356 |
| 16 | MOVEMENT MORTGAGE, LLC | 104 | 6.562% | $9,351 | $4,343 | $3,678 |
| 17 | Washington Trust Bank | 102 | 6.625% | $4,891 | $875 | $3,068 |
| 18 | Boeing Employees' Credit Union | 93 | 6.375% | $3,502 | $772 | $1,813 |
| 19 | Glacier Bank | 92 | 6.562% | $8,911 | $5,450 | $1,427 |
| 20 | CORNERSTONE CAPITAL BANK, SSB | 88 | 6.625% | $8,280 | $4,969 | $4,658 |
| 21 | GESA CREDIT UNION | 80 | 6.125% | $7,621 | $4,928 | $1,235 |
| 22 | NUMERICA CREDIT UNION | 78 | 6.75% | $8,046 | $5,111 | $1,618 |
| 23 | US BANK, N.A. | 69 | 6.375% | $5,626 | $2,692 | $1,872 |
| 24 | Premier Mortgage Resources, LLC | 57 | 6.375% | $10,406 | $4,745 | $5,959 |
| 25 | Banner Bank | 54 | 6.875% | $9,668 | $4,325 | $5,340 |
| 26 | TRIAD FINANCIAL SERVICES, INC. | 52 | 8.77% | n/a | n/a | n/a |
| 27 | JPMorgan Chase Bank, NA | 49 | 6.375% | $3,151 | $537 | $2,541 |
| 28 | NEW AMERICAN FUNDING, LLC. | 48 | 6.625% | $11,048 | $5,165 | $3,811 |
| 29 | SYNERGY ONE LENDING, INC. | 47 | 6.49% | $9,086 | $5,086 | $3,620 |
| 30 | Sierra Pacific Mortgage Co. Inc | 44 | 6.625% | $6,940 | $4,302 | $3,407 |
| 31 | ENVOY MORTGAGE, LTD | 43 | 6.625% | $9,378 | $5,057 | $3,854 |
| 32 | Kind Lending, LLC | 40 | 6.125% | $8,612 | $3,007 | $3,012 |
| 33 | Intercap Lending Inc | 39 | 6.25% | $7,639 | $4,690 | $3,764 |
| 34 | Navy Federal Credit Union | 38 | 5.875% | $3,688 | $0 | $4,125 |
| 35 | Provident Funding Associates | 38 | 6.438% | $5,223 | $2,289 | $2,818 |
| 36 | LOANDEPOT.COM, LLC | 36 | 6.25% | $11,553 | $4,952 | $5,078 |
| 37 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 35 | 6.75% | $11,027 | $5,821 | $4,553 |
| 38 | PARAMOUNT RESIDENTIAL MORTGAGE | 33 | 6.5% | $11,263 | $4,156 | $4,410 |
| 39 | UMPQUA BANK | 33 | 6.75% | $8,378 | $3,700 | $4,071 |
| 40 | WSECU | 32 | 6.433% | $4,552 | $924 | $1,166 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Spokane figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Spokane County in 2025?
The median interest rate on closed home-purchase loans in Spokane County, Washington in 2025 was 6.49%, across 5,607 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.