Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Spokane Teachers | D | 42 | 19 | 26.2% | 6.38% |
| 2 | Rocket Mortgage | C | 35 | 28 | 11.4% | 6.56% |
| 3 | Numerica Credit Union | D | 28 | 13 | 35.7% | 7.00% |
| 4 | United Shore Financial Services | B | 25 | 15 | 12.0% | 5.99% |
| 5 | U.S. Bank | D | 24 | 12 | 41.7% | 7.83% |
| 6 | Glacier Bank | D | 18 | 10 | 27.8% | 7.63% |
| 7 | Banner Bank | D | 17 | 7 | 47.1% | 7.38% |
| 8 | Guild Mortgage | A | 15 | 6 | 26.7% | 6.44% |
| 9 | Freedom Mortgage | B | 14 | 11 | 7.1% | 6.25% |
| 10 | Mortgage Research Center | C | 14 | 9 | 0.0% | 5.99% |
| 11 | Sunflower Bank | B | 14 | 8 | 14.3% | 6.75% |
| 12 | Gesa | D | 13 | 9 | 7.7% | 7.00% |
| 13 | Movement Mortgage | A | 12 | 8 | 16.7% | 6.13% |
| 14 | Loandepot.Com | D | 12 | 7 | 8.3% | 6.99% |
| 15 | American Pacific Mortgage | C | 10 | 9 | 10.0% | 6.75% |
| 16 | Crosscountry Mortgage | B | 9 | 6 | 0.0% | 6.81% |
| 17 | Spring Eq | D | 9 | 4 | 33.3% | 10.70% |
| 18 | Idaho Central Credit Union | A | 9 | 7 | 11.1% | 7.00% |
| 19 | AmeriSave Mortgage | D | 8 | 1 | 62.5% | 7.13% |
| 20 | Fairway Independent Mortgage | B | 8 | 7 | 12.5% | 7.06% |
| 21 | Newrez | D | 8 | 3 | 25.0% | 5.75% |
| 22 | Washington Trust Bank | D | 7 | 5 | 14.3% | 8.00% |
| 23 | Nationstar Mortgage | C | 7 | 5 | 14.3% | 8.63% |
| 24 | Premier Mortgage Resources | B | 7 | 5 | 0.0% | 7.13% |
| 25 | Horizon Federally Insured State-Chartered Credit Union | C | 7 | 5 | 14.3% | 6.75% |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 464 | 239 | 23.9% | 6.88% | $160,000 |
| 2024 | 495 | 273 | 20.0% | 6.88% | $205,000 |
| 2025 | 558 | 325 | 19.4% | 6.75% | $195,000 |
Frequently asked questions
19.4% of applications in Lincoln County were denied in 2025, against 15.7% statewide in Washington.
Spokane Teachers, with 42 applications in 2025 and a denial rate of 26.2%.
The median mortgage application in Lincoln County in 2025 was for $195,000; the median property value on originated loans was $355,000.