# SPOKANE TEACHERS

> **Canonical URL:** https://saferate.com/lenders/spokane-teachers


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SPOKANE TEACHERS is a credit union, headquartered in Liberty Lake, WA, serving borrowers across 4 states, with 399 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TUSRLWD8ETNR90
- **Headquarters:** Liberty Lake, WA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** ID, MT, OR, WA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.338%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,432
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 399
- **Dollar Volume:** $134 million
- **Applications Received:** 666
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $335,401
- **Average Borrower Income:** $128,840
- **Average Property Value:** $507,556

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 388 | +0.338% | $3,407 | Strong 😀 |
| Jumbo | 41/100 | 11 | +0.310% | $5,247 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 297 loans, Score: 65/100 (Strong)
- Refinance: 91 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 305 | $110M | +0.285% | Strong 😀 |
| Refinance | 67/100 | 94 | $24M | +0.511% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 339 | 0.40% | 83/100 |
| ID | 52 | 0.19% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Spokane | WA | 264 | 100/100 |
| Non |  | 51 | 44/100 |
| Coeur d'Alene, ID | ID | 33 | 65/100 |
| Kennewick | WA | 20 | 56/100 |

## Where This Lender Ranks

SPOKANE TEACHERS appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Spokane for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Spokane for Jumbo Loans
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Kennewick Credit Unions
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Kennewick for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Spokane for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Spokane Credit Unions
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Coeur d'Alene, ID for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Washington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Washington Credit Unions
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions)
- 🏆 **#9** in Washington for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#17** in Coeur d'Alene, ID
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders)
- 🏆 **#18** in Coeur d'Alene, ID for Conventional Loans
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SPOKANE TEACHERS offer?

SPOKANE TEACHERS offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SPOKANE TEACHERS offer mortgages?

SPOKANE TEACHERS offers mortgages in 4 states: ID, MT, OR, WA.

### How competitive are SPOKANE TEACHERS's mortgage rates?

SPOKANE TEACHERS has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.338% above market average.

### What type of lender is SPOKANE TEACHERS?

SPOKANE TEACHERS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Liberty Lake, WA.

### What is SPOKANE TEACHERS's loan approval success rate?

SPOKANE TEACHERS has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/spokane-teachers

### How to Cite

> "SPOKANE TEACHERS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/spokane-teachers

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