SPOKANE TEACHERS
SPOKANE TEACHERS received 4,292 applications in 2025 and made 2,375 mortgages, in 74 counties across 13 states. The median rate its borrowers got was 6.990% on a median loan of $105,000. Of 3,311 decisions, 913 were denials — 27.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TUSRLWD8ETNR90 |
|---|---|
| Applications received | 4,292 |
| Mortgages made | 2,375 |
| Denied | 913 |
| Approved, not taken up | 23 |
| Withdrawn or incomplete | 981 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.533 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 | 566 | 6.375% | $325,000 | 12.5% |
| Refinancing | 521 | 7.740% | $115,000 | 24.3% |
| Cash-out refinancing | 114 | 6.500% | $220,000 | 28.6% |
| Other purposes | 1,174 | 7.990% | $75,000 | 34.2% |
Where SPOKANE TEACHERS lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spokane County, WA | 1,456 | 6.875% | 23.6% |
| Kootenai County, ID | 270 | 7.740% | 28.0% |
| Stevens County, WA | 119 | 6.625% | 26.8% |
| Bonner County, ID | 84 | 6.625% | 42.2% |
| Grant County, WA | 70 | 6.375% | 34.3% |
| Benton County, WA | 66 | 8.115% | 37.1% |
| Franklin County, WA | 33 | 8.240% | 28.6% |
| Okanogan County, WA | 32 | 7.740% | 38.9% |
| Pend Oreille County, WA | 31 | 7.740% | 46.7% |
| Adams County, WA | 25 | 6.125% | 39.0% |
| Lincoln County, WA | 19 | 6.375% | 35.5% |
| Yakima County, WA | 18 | 8.240% | 28.0% |
| Wallowa County, OR | 15 | 6.500% | 28.6% |
| Ferry County, WA | 12 | 7.245% | 40.0% |
| Whitman County, WA | 11 | 6.125% | 26.7% |
| Umatilla County, OR | 8 | Under 10 loans | 33.3% |
| King County, WA | 8 | Under 10 loans | 38.5% |
| Chelan County, WA | 7 | Under 10 loans | 22.2% |
| Kittitas County, WA | 7 | Under 10 loans | 12.5% |
| Walla Walla County, WA | 7 | Under 10 loans | 33.3% |
| Latah County, ID | 6 | Under 10 loans | 25.0% |
| Baker County, OR | 6 | Under 10 loans | 14.3% |
| Douglas County, WA | 6 | Under 10 loans | 14.3% |
| Snohomish County, WA | 6 | Under 10 loans | 33.3% |
| Asotin County, WA | 5 | Under 10 loans | 28.6% |
| Pierce County, WA | 5 | Under 10 loans | 28.6% |
| Thurston County, WA | 5 | Under 10 loans | 16.7% |
| Clark County, WA | 4 | Under 10 loans | 20.0% |
| Boundary County, ID | 3 | Under 10 loans | 40.0% |
| Shoshone County, ID | 3 | Under 10 loans | 50.0% |
| Columbia County, WA | 3 | Under 10 loans | 0.0% |
| Multnomah County, OR | 2 | Under 10 loans | 0.0% |
| Union County, OR | 2 | Under 10 loans | 50.0% |
| Washington County, OR | 2 | Under 10 loans | 0.0% |
| Jefferson County, WA | 2 | Under 10 loans | 0.0% |
| Kitsap County, WA | 2 | Under 10 loans | 33.3% |
| Ada County, ID | 1 | Under 10 loans | 50.0% |
| Bannock County, ID | 1 | Under 10 loans | 0.0% |
| Benewah County, ID | 1 | Under 10 loans | 75.0% |
| Bonneville County, ID | 1 | Under 10 loans | 0.0% |
| Clearwater County, ID | 1 | Under 10 loans | 0.0% |
| Franklin County, ID | 1 | Under 10 loans | 0.0% |
| Lewis County, ID | 1 | Under 10 loans | 0.0% |
| Twin Falls County, ID | 1 | Under 10 loans | 0.0% |
| Ravalli County, MT | 1 | Under 10 loans | 0.0% |
| Douglas County, OR | 1 | Under 10 loans | 0.0% |
| Grant County, OR | 1 | Under 10 loans | 0.0% |
| Clallam County, WA | 1 | Under 10 loans | 0.0% |
| Mason County, WA | 1 | Under 10 loans | 0.0% |
| Pacific County, WA | 1 | Under 10 loans | 0.0% |
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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.