FIBRE
FIBRE received 1,351 applications in 2025 and made 850 mortgages, in 49 counties across 9 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 1,334 decisions, 382 were denials — 28.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TDBTRK89DZRC13 |
|---|---|
| Applications received | 1,351 |
| Mortgages made | 850 |
| Denied | 382 |
| Approved, not taken up | 102 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.81 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 163 | 6.375% | $255,000 | 16.9% |
| Refinancing | 50 | 5.970% | $270,000 | 23.7% |
| Cash-out refinancing | 83 | 6.500% | $145,000 | 32.4% |
| Other purposes | 554 | 8.500% | $75,000 | 31.4% |
Where FIBRE lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cowlitz County, WA | 466 | 7.500% | 26.0% |
| Clatsop County, OR | 79 | 7.625% | 32.8% |
| Tillamook County, OR | 71 | 7.625% | 25.2% |
| Lincoln County, OR | 48 | 7.688% | 35.8% |
| Columbia County, OR | 47 | 8.000% | 22.4% |
| Clark County, WA | 47 | 7.875% | 25.4% |
| Lewis County, WA | 34 | 7.500% | 28.8% |
| Pacific County, WA | 15 | 8.500% | 31.8% |
| Wahkiakum County, WA | 8 | Under 10 loans | 35.0% |
| Clackamas County, OR | 4 | Under 10 loans | 50.0% |
| Washington County, OR | 4 | Under 10 loans | 20.0% |
| Multnomah County, OR | 3 | Under 10 loans | 50.0% |
| Thurston County, WA | 3 | Under 10 loans | 40.0% |
| Lane County, OR | 2 | Under 10 loans | 0.0% |
| Marion County, OR | 2 | Under 10 loans | 50.0% |
| Pierce County, WA | 2 | Under 10 loans | 60.0% |
| Baker County, OR | 1 | Under 10 loans | 0.0% |
| Coos County, OR | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 50.0% |
| Douglas County, OR | 1 | Under 10 loans | 0.0% |
| Hood River County, OR | 1 | Under 10 loans | 0.0% |
| Linn County, OR | 1 | Under 10 loans | 50.0% |
| Prince William County, VA | 1 | Under 10 loans | 0.0% |
| Benton County, WA | 1 | Under 10 loans | 0.0% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Kitsap County, WA | 1 | Under 10 loans | 0.0% |
| Kittitas County, WA | 1 | Under 10 loans | 0.0% |
| Mason County, WA | 1 | Under 10 loans | 0.0% |
| Skagit County, WA | 1 | Under 10 loans | 66.7% |
| Skamania County, WA | 1 | Under 10 loans | 0.0% |
| Whatcom County, WA | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 0 | Under 10 loans | 100.0% |
| Andrew County, MO | 0 | Under 10 loans | 100.0% |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Summit County, OH | 0 | Under 10 loans | 100.0% |
| Benton County, OR | 0 | Under 10 loans | 100.0% |
| Klamath County, OR | 0 | Under 10 loans | 100.0% |
| Clarendon County, SC | 0 | Under 10 loans | 100.0% |
| Horry County, SC | 0 | Under 10 loans | 100.0% |
| Brazoria County, TX | 0 | Under 10 loans | 100.0% |
| Franklin County, TX | 0 | Under 10 loans | 100.0% |
| Wheeler County, TX | 0 | Under 10 loans | 100.0% |
| Clallam County, WA | 0 | Under 10 loans | 0.0% |
| Douglas County, WA | 0 | Under 10 loans | 100.0% |
| Grays Harbor County, WA | 0 | Under 10 loans | 0.0% |
| King County, WA | 0 | Under 10 loans | Not published |
| Snohomish County, WA | 0 | Under 10 loans | 100.0% |
| Spokane County, WA | 0 | Under 10 loans | 100.0% |
| Walla Walla County, WA | 0 | Under 10 loans | 100.0% |
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When FIBRE’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.