Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Spokane County, Washington
Every institution that decided a 1–4 unit mortgage application in Spokane County between 2023 and 2025: 41,078 applications, 32,402 loans actually funded, across 8 kinds of borrowing.
Spokane County at a glance
41,078Applications decided
2023–2025
32,402Loans funded
79% of decisions
130Census tracts
31 ZIP codes
544,323People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 49% of 320 applications.
Lending by loan type in Spokane County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.7% | 19,988 | $345K | 97% | 362 |
| Home improvement loans | 69.1% | 7,175 | $75K | 96% | 123 |
| Cash-out refinance | 71.0% | 6,544 | $175K | 95% | 218 |
| Refinance | 79.2% | 4,799 | $315K | 94% | 215 |
| Investment property purchase | 88.8% | 1,315 | $295K | 95% | 182 |
| Investment cash-out refinance | 73.1% | 558 | $245K | 97% | 127 |
| Investment refinance | 70.7% | 379 | $265K | 94% | 85 |
| Investment home improvement | 49.4% | 320 | $105K | 94% | 47 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.