Largest lenders in Benewah County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Potlatch No. 1 Financial Credit Union | C | 40 | 25 | 20.0% | 7.50% |
| 2 | Idaho Central Credit Union | A | 25 | 15 | 28.0% | 7.00% |
| 3 | Rocket Mortgage | C | 23 | 12 | 39.1% | 8.19% |
| 4 | Freedom Northwest Credit Union | A | 22 | 22 | 0.0% | — |
| 5 | Banner Bank | D | 15 | 10 | 13.3% | 6.74% |
| 6 | Mortgage Research Center | C | 13 | 7 | 15.4% | 6.75% |
| 7 | Umpqua Bank | C | 12 | 10 | 16.7% | 8.25% |
| 8 | Spokane Teachers | D | 12 | 1 | 25.0% | 9.24% |
| 9 | United Shore Financial Services | B | 12 | 10 | 8.3% | 6.25% |
| 10 | U.S. Bank | D | 11 | 1 | 54.6% | 7.45% |
| 11 | Kind Lending | C | 11 | 10 | 0.0% | 6.75% |
| 12 | Premier Mortgage Resources | B | 10 | 8 | 0.0% | 6.50% |
| 13 | Spring Eq | D | 7 | 1 | 57.1% | 8.93% |
| 14 | Numerica Credit Union | D | 7 | 4 | 14.3% | 7.75% |
| 15 | Boeing Employees Credit Union | B | 7 | 6 | 14.3% | 7.18% |
| 16 | CMG Mortgage | A | 7 | 5 | 0.0% | 6.63% |
| 17 | Guild Mortgage | A | 7 | 5 | 0.0% | 6.88% |
| 18 | Loandepot.Com | D | 7 | 3 | 42.9% | 7.63% |
| 19 | Crosscountry Mortgage | B | 6 | 4 | 0.0% | 6.35% |
| 20 | New Day Financial | F | 6 | 3 | 33.3% | 6.99% |
| 21 | Freedom Mortgage | B | 6 | 2 | 16.7% | 6.06% |
| 22 | American Financing | D | 6 | 2 | 33.3% | 6.13% |
| 23 | JPMorgan Chase Bank | B | 5 | 3 | 0.0% | 7.25% |
| 24 | AmeriSave Mortgage | D | 5 | 0 | 100.0% | — |
| 25 | Glacier Bank | D | 5 | 2 | 0.0% | 5.94% |
What Benewah County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Benewah County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 300 | 144 | 25.7% | 7.00% | $205,000 |
| 2024 | 339 | 185 | 24.2% | 6.99% | $205,000 |
| 2025 | 412 | 242 | 19.2% | 6.90% | $205,000 |
Frequently asked questions
19.2% of applications in Benewah County were denied in 2025, against 14.5% statewide in Idaho.
Potlatch No. 1 Financial Credit Union, with 40 applications in 2025 and a denial rate of 20.0%.
The median mortgage application in Benewah County in 2025 was for $205,000; the median property value on originated loans was $415,000.