Largest lenders in Whitman County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Crosscountry Mortgage | B | 79 | 62 | 0.0% | 6.63% |
| 2 | Washington State Employees Credit Union | D | 75 | 46 | 25.3% | 7.24% |
| 3 | Rocket Mortgage | C | 73 | 56 | 15.1% | 6.75% |
| 4 | Guild Mortgage | A | 63 | 50 | 1.6% | 6.63% |
| 5 | Potlatch No. 1 Financial Credit Union | C | 56 | 36 | 3.6% | 7.50% |
| 6 | CMG Mortgage | A | 54 | 35 | 3.7% | 6.63% |
| 7 | Idaho Central Credit Union | A | 43 | 29 | 7.0% | 6.88% |
| 8 | United Shore Financial Services | B | 42 | 36 | 9.5% | 6.19% |
| 9 | Washington Trust Bank | D | 36 | 26 | 13.9% | 6.69% |
| 10 | U.S. Bank | D | 31 | 13 | 38.7% | 7.63% |
| 11 | Newrez | D | 30 | 15 | 0.0% | 6.38% |
| 12 | Banner Bank | D | 28 | 17 | 28.6% | 7.74% |
| 13 | Freedom Mortgage | B | 25 | 14 | 8.0% | 6.25% |
| 14 | Umpqua Bank | C | 24 | 15 | 16.7% | 7.13% |
| 15 | Spokane Teachers | D | 22 | 11 | 18.2% | 6.13% |
| 16 | Mortgage Research Center | C | 19 | 9 | 5.3% | 5.99% |
| 17 | Gesa | D | 18 | 13 | 11.1% | 6.63% |
| 18 | JPMorgan Chase Bank | B | 17 | 7 | 17.7% | 6.00% |
| 19 | Pennymac Loan Services | C | 16 | 13 | 6.3% | 6.50% |
| 20 | Kind Lending | C | 15 | 12 | 13.3% | 6.63% |
| 21 | Triad Financial Services | D | 15 | 8 | 33.3% | 8.98% |
| 22 | Zions Bancorporation | B | 13 | 7 | 15.4% | 7.38% |
| 23 | Numerica Credit Union | D | 13 | 8 | 23.1% | 8.06% |
| 24 | Navy Federal Credit Union | D | 13 | 8 | 15.4% | 7.39% |
| 25 | Bank of America | F | 11 | 1 | 54.6% | 5.75% |
Best approval odds in Whitman County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 63 | 0.0% |
| 2 | Guild Mortgage | 57 | 1.8% |
| 3 | Rocket Mortgage | 68 | 16.2% |
| 4 | Washington State Employees Credit Union | 65 | 29.2% |
What Whitman County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Whitman County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,003 | 619 | 16.9% | 7.00% | $205,000 |
| 2024 | 975 | 598 | 17.1% | 7.00% | $205,000 |
| 2025 | 1,197 | 737 | 14.3% | 6.75% | $235,000 |
Frequently asked questions
14.3% of applications in Whitman County were denied in 2025, against 15.7% statewide in Washington.
Crosscountry Mortgage, with 79 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Whitman County in 2025 was for $235,000; the median property value on originated loans was $405,000.