Largest lenders in Stevens County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Spokane Teachers | D | 222 | 119 | 19.8% | 6.63% |
| 2 | Rocket Mortgage | C | 139 | 100 | 18.7% | 6.88% |
| 3 | United Shore Financial Services | B | 98 | 72 | 1.0% | 6.00% |
| 4 | Horizon Federally Insured State-Chartered Credit Union | C | 69 | 40 | 24.6% | 2.99% |
| 5 | Numerica Credit Union | D | 57 | 30 | 38.6% | 7.75% |
| 6 | Guild Mortgage | A | 55 | 37 | 5.5% | 6.13% |
| 7 | Sunflower Bank | B | 55 | 38 | 3.6% | 6.56% |
| 8 | Broker Solutions | D | 54 | 26 | 3.7% | 6.63% |
| 9 | Gesa | D | 45 | 23 | 26.7% | 7.00% |
| 10 | Mortgage Research Center | C | 42 | 12 | 26.2% | 6.25% |
| 11 | Loandepot.Com | D | 39 | 19 | 20.5% | 6.88% |
| 12 | Banner Bank | D | 38 | 19 | 26.3% | 7.63% |
| 13 | Washington Trust Bank | D | 36 | 19 | 25.0% | 7.75% |
| 14 | Crosscountry Mortgage | B | 34 | 21 | 2.9% | 6.63% |
| 15 | Newrez | D | 33 | 10 | 12.1% | 6.44% |
| 16 | AmeriSave Mortgage | D | 32 | 7 | 75.0% | 6.63% |
| 17 | Idaho Central Credit Union | A | 29 | 16 | 20.7% | 6.63% |
| 18 | Boeing Employees Credit Union | B | 28 | 16 | 25.0% | 6.06% |
| 19 | 21st Mortgage | F | 24 | 5 | 29.2% | 8.97% |
| 20 | Freedom Mortgage | B | 24 | 11 | 8.3% | 6.13% |
| 21 | CMG Mortgage | A | 24 | 15 | 0.0% | 6.75% |
| 22 | JPMorgan Chase Bank | B | 23 | 16 | 17.4% | 6.63% |
| 23 | Pennymac Loan Services | C | 22 | 8 | 27.3% | 7.94% |
| 24 | Spring Eq | D | 22 | 7 | 54.6% | 8.98% |
| 25 | Navy Federal Credit Union | D | 22 | 6 | 22.7% | 9.38% |
Best approval odds in Stevens County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 75 | 1.3% |
| 2 | Rocket Mortgage | 129 | 20.2% |
| 3 | Spokane Teachers | 164 | 26.8% |
| 4 | Horizon Federally Insured State-Chartered Credit Union | 61 | 27.9% |
| 5 | Numerica Credit Union | 52 | 42.3% |
What Stevens County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Stevens County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,611 | 875 | 21.9% | 7.13% | $195,000 |
| 2024 | 1,651 | 855 | 24.1% | 7.00% | $205,000 |
| 2025 | 1,968 | 1,054 | 19.2% | 6.63% | $225,000 |
Frequently asked questions
19.2% of applications in Stevens County were denied in 2025, against 15.7% statewide in Washington.
Spokane Teachers, with 222 applications in 2025 and a denial rate of 19.8%.
The median mortgage application in Stevens County in 2025 was for $225,000; the median property value on originated loans was $445,000.