Lender in Washington · HMDA 2025
Spokane Teachers mortgages in Washington
Spokane Teachers's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Spokane Teachers originated 504 owner-occupied single-family loans in Washington from 567 completed applications.
Its median conventional purchase loan costs were $6,040 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.375% (Washington: 6.625%).
Loans in WA
504
of 567 applications
Denial rate
5.7%
Purchase · WA 5.9%
Rate spread
−0.05 pts
Conv. · WA +0.10 pts
Loan amount
$335,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 389 | 363 | 5.7% | 6.375% | −0.05 pts | $6,040 | $335,000 |
| Refinance | 68 | 56 | 17.6% | 6.250% | −0.16 pts | $5,430 | $275,000 |
| Cash-out refinance | 110 | 85 | 21.8% | 6.750% | +0.13 pts | $5,540 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Spokane Teachers ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stevens County | 3 | 32 | 6.7% |
| Adams County | 3 | 14 | 8.1% |
| Spokane County | 4 | 368 | 4.9% |
| Lincoln County | 5 | 7 | 4.0% |
| Grant County | 8 | 25 | 2.3% |
| Okanogan County | 13 | 6 | 1.8% |
| Ferry County | 22 | 1 | 2.6% |
| Whitman County | 23 | 4 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology