Spokane Teachers in Washington vs the state
20.3%Denial rate+4.67 pts vs state
26.2%Decision denial rate+6.70 pts vs state
56.5%Origination rate-4.55 pts vs state
6.89%Median rate+0.27 pts vs state
0.52Rate spread (pts)+0.33 pts vs state
$109kMedian applicant income
1,963Loans originated
706Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,233 | 1,974 | 19.8% | 8.99% | #14 |
| 2024 | 2,905 | 1,753 | 21.4% | 9.24% | #24 |
| 2025 | 3,474 | 1,963 | 20.3% | 6.89% | #19 |
What Spokane Teachers lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Spokane Teachers applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 2,477 | 1,456 | 454 | 18.3% |
| Stevens County | 222 | 119 | 44 | 19.8% |
| Grant County | 131 | 70 | 37 | 28.2% |
| Benton County | 123 | 66 | 39 | 31.7% |
| Pend Oreille County | 90 | 31 | 28 | 31.1% |
| Okanogan County | 68 | 32 | 21 | 30.9% |
| Franklin County | 60 | 33 | 14 | 23.3% |
| Adams County | 58 | 25 | 16 | 27.6% |
| Lincoln County | 42 | 19 | 11 | 26.2% |
| Yakima County | 29 | 18 | 7 | 24.1% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 3,474 applications in 2025, of which 1,963 were originated and 706 denied.
20.3% of all applications, or 26.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Spokane Teachers originated in Washington in 2025 was 6.89%, against a statewide median of 6.63%.
About this data. Figures are Spokane Teachers's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology