Mortgage lending in Spokane-Spokane Valley, WA
14,508 mortgages were originated in the Spokane-Spokane Valley, WA area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,508
- Median rate
- 6.625%
- Median lender fees
- $6,511
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $275,000
- Above the going rate (spread over APOR)
- 0.298
- Paid discount points
- 42.5%
- Received lender credits
- 20.6%
- Purchases / refinances
- 48.6% / 29.7%
- Conventional / FHA / VA
- 78.3% / 11.5% / 10%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 68% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Spokane-Spokane Valley, WA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Spokane Teachers | 1,575 | $4,968 | 6.875% |
| Rocket Mortgage, LLC | 944 | $4,819 | 6.750% |
| United Shore Financial Services, LLC | 908 | $8,020 | 6.125% |
| Numerica Credit Union | 711 | $7,988 | 7.750% |
| Sunflower Bank, National Association | 536 | $8,171 | 6.490% |
| Washington Trust Bank | 498 | $4,038 | 7.500% |
| CMG Mortgage, Inc. | 424 | $7,464 | 6.625% |
| Idaho Central Credit Union | 369 | $4,562 | 6.750% |
| Boeing Employees Credit Union | 363 | $3,433 | 6.490% |
| Canopy Mortgage, LLC | 321 | $12,200 | 6.500% |