Spokane Teachers mortgage approval rate & lending review
Spokane Teachers decided 5,616 mortgage applications and funded 4,351 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Spokane Teachers reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Spokane Teachers at a glance
Approval is 6.8 points above the 71.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 1,076 / 1,202 | 98% | $305K | 1,058 |
| Home improvement loans | 75% | 2,014 / 2,685 | 99% | $65K | 1,993 |
| Cash-out refinance | 79% | 220 / 280 | 99% | $205K | 217 |
| Refinance | 78% | 988 / 1,266 | 99% | $105K | 977 |
| Investment property purchase | 82% | 51 / 62 | 98% | $205K | 50 |
| Investment cash-out refinance | 55% | 16 / 29 | 100% | $215K | 16 |
| Investment refinance | 67% | 18 / 27 | 100% | $155K | 18 |
| Investment home improvement | 35% | 23 / 65 | 96% | $95K | 22 |
Spokane Teachers lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 79% | $105K | 4,825 | 3,757 |
| Idaho | 77% | $105K | 756 | 578 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Spokane Teachers lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Spokane County, WA | Home improvement loans | 76% | 2,068 | 1,549 |
| Spokane County, WA | Mortgage lenders | 90% | 930 | 826 |
| Spokane County, WA | Refinance | 80% | 959 | 756 |
| Kootenai County, ID | Home improvement loans | 75% | 376 | 282 |
| Spokane County, WA | Cash-out refinance | 79% | 222 | 174 |
| Kootenai County, ID | Refinance | 74% | 191 | 142 |
| Kootenai County, ID | Mortgage lenders | 91% | 109 | 97 |
| Benton County, WA | Home improvement loans | 68% | 93 | 63 |
| Grant County, WA | Home improvement loans | 76% | 62 | 47 |
| Benton County, WA | Mortgage lenders | 81% | 57 | 45 |
| Grant County, WA | Mortgage lenders | 80% | 50 | 40 |
| Benton County, WA | Refinance | 74% | 47 | 34 |
The county markets where Spokane Teachers made the most loans. Each link opens that market with every lender ranked.
Questions about Spokane Teachers
What is Spokane Teachers's mortgage approval rate?
Spokane Teachers approved 78.5% of the 5,616 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 71.7% national rate for the same mix of loan types.
How often do borrowers take the loan Spokane Teachers offers?
Borrowers accepted 99% of the loans Spokane Teachers approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Spokane Teachers make?
The typical home improvement loan loan Spokane Teachers made was $65K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Spokane Teachers lend?
Spokane Teachers decided applications in 13 of the states Fat Boy Data covers, most of them in Washington, Idaho and Oregon.
Can I apply to Spokane Teachers directly?
Yes. Spokane Teachers is a bank or credit union with 55 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Spokane Teachers's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Spokane Teachers treats applications, then get a rate quote from the lender.