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Pend Oreille County, Washington · 2025

Mortgage lenders in Pend Oreille County, WA: denial rates and top lenders (2025)

134 lenders acted on 711 mortgage applications for properties in Pend Oreille County in 2025. 19.0% were denied (Washington: 15.7%). Median rate on closed loans 6.75%; median loan $245,000; median property value $465,000.

711Applications
19.0%Denial ratestate 15.7%
6.75%Median ratestate 6.63%
$245,000Median loan
$465,000Median property value

Largest lenders in Pend Oreille County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Spokane Teachers D 9031 31.1%7.74%
2 Glacier Bank D 3817 18.4%7.13%
3 Rocket Mortgage C 3423 26.5%6.13%
4 United Shore Financial Services B 3020 13.3%6.50%
5 Northpointe Bank C 2516 16.0%6.94%
6 Gesa D 2113 14.3%7.13%
7 Banner Bank D 2014 20.0%7.44%
8 Mortgage Research Center C 196 26.3%6.38%
9 Numerica Credit Union D 1810 27.8%7.31%
10 Sunflower Bank B 1511 6.7%6.49%
11 Boeing Employees Credit Union B 148 21.4%6.12%
12 Crosscountry Mortgage B 137 15.4%6.88%
13 Newrez D 135 15.4%5.75%
14 Washington Trust Bank D 129 0.0%7.25%
15 American Pacific Mortgage C 127 8.3%6.75%
16 Willamette Valley Bank C 125 8.3%6.50%
17 Guild Mortgage A 116 9.1%6.56%
18 U.S. Bank D 105 20.0%6.38%
19 Guaranteed Rate B 96 0.0%6.23%
20 Fairway Independent Mortgage B 95 0.0%6.63%
21 Freedom Mortgage B 93 0.0%5.99%
22 CMG Mortgage A 96 11.1%6.81%
23 Loandepot.Com D 95 22.2%5.88%
24 Bank of America F 82 25.0%6.37%
25 AmeriSave Mortgage D 82 50.0%7.25%

Best approval odds in Pend Oreille County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Spokane Teachers6046.7%

What Pend Oreille County borrowers applied for

By loan purpose

Home purchase 286 40% · 10.1% denied
Refinance 107 15% · 16.8% denied
Cash-out refinance 130 18% · 21.5% denied
Home improvement 99 14% · 31.3% denied
Other / HELOC 89 13% · 32.6% denied

By loan type

Conventional 533 75% · 19.7% denied
FHA 81 11% · 21.0% denied
VA 95 13% · 13.7% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Collateral 35 26%
Credit history 30 22%
Debt-to-income ratio 29 21%
Incomplete application 22 16%
Unverifiable information 8 6%
Other 7 5%
Insufficient cash 3 2%
Employment history 1 1%

Pend Oreille County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202350228417.5%7.13%$215,000
202456931619.5%7.13%$225,000
202571136419.0%6.75%$245,000

Frequently asked questions

19.0% of applications in Pend Oreille County were denied in 2025, against 15.7% statewide in Washington.

Spokane Teachers, with 90 applications in 2025 and a denial rate of 31.1%.

The median mortgage application in Pend Oreille County in 2025 was for $245,000; the median property value on originated loans was $465,000.