Spokane Teachers
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Spokane Teachers 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Spokane Teachers 1620 N Signal Dr Liberty Lake, WA 99019 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 8,693 |
| Total Mortgage Loan Application Amount | $1,779,955,000 |
| Average Mortgage Loan Application Amount | $199,800 |
| Highest Mortgage Loan Application Amount | $37,875,000 |
| Average Applicant Income | $108,200 |
| Highest Applicant Income | $3,300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Spokane Teachers. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Spokane Teachers's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Spokane Teachers's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Spokane Teachers serves its applicants.
Each category highlights the total number of mortgage applications processed by Spokane Teachers, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Spokane Teachers's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Spokane County Washington | 5,409 | $ 970,545,000 | $ 179,000 | $ 108,000 |
| Kootenai County Idaho | 1,121 | $ 290,505,000 | $ 259,000 | $ 103,000 |
| Bonner County Idaho | 321 | $ 64,105,000 | $ 199,000 | $ 108,000 |
| Benton County Washington | 240 | $ 61,690,000 | $ 257,000 | $ 123,000 |
| Stevens County Washington | 217 | $ 37,085,000 | $ 170,000 | $ 109,000 |
| Franklin County Washington | 156 | $ 39,910,000 | $ 255,000 | $ 113,000 |
| Pend Oreille County Washington | 151 | $ 28,735,000 | $ 190,000 | $ 114,000 |
| Grant County Washington | 67 | $ 10,955,000 | $ 163,000 | $ 91,000 |
| Lincoln County Washington | 52 | $ 8,650,000 | $ 166,000 | $ 137,000 |
| King County Washington | 47 | $ 51,465,000 | $ 1,095,000 | $ 308,000 |
| Adams County Washington | 40 | $ 5,060,000 | $ 126,000 | $ 90,000 |
| Shoshone County Idaho | 39 | $ 4,865,000 | $ 124,000 | $ 98,000 |
| Okanogan County Washington | 38 | $ 4,660,000 | $ 122,000 | $ 100,000 |
| Yakima County Washington | 34 | $ 13,110,000 | $ 385,000 | $ 102,000 |
| Whitman County Washington | 33 | $ 5,235,000 | $ 158,000 | $ 137,000 |
| Snohomish County Washington | 31 | $ 7,095,000 | $ 228,000 | $ 135,000 |
| Ferry County Washington | 25 | $ 3,335,000 | $ 133,000 | $ 86,000 |
| Boundary County Idaho | 19 | $ 4,175,000 | $ 219,000 | $ 93,000 |
| Pierce County Washington | 18 | $ 6,070,000 | $ 337,000 | $ 168,000 |
| Walla Walla County Washington | 18 | $ 2,930,000 | $ 162,000 | $ 175,000 |
| Kittitas County Washington | 17 | $ 2,925,000 | $ 172,000 | $ 130,000 |
| Ada County Idaho | 13 | $ 2,665,000 | $ 205,000 | $ 130,000 |
| Kitsap County Washington | 13 | $ 2,405,000 | $ 185,000 | $ 197,000 |
| Latah County Idaho | 10 | $ 2,120,000 | $ 212,000 | $ 106,000 |
| Clark County Washington | 9 | $ 1,985,000 | $ 220,000 | $ 185,000 |
| Whatcom County Washington | 9 | $ 2,325,000 | $ 258,000 | $ 151,000 |
| Benewah County Idaho | 8 | $ 1,120,000 | $ 140,000 | $ 118,000 |
| Umatilla County Oregon | 8 | $ 1,460,000 | $ 182,000 | $ 95,000 |
| Chelan County Washington | 8 | $ 2,340,000 | $ 292,000 | $ 126,000 |
| Skagit County Washington | 7 | $ 1,335,000 | $ 190,000 | $ 98,000 |
| Thurston County Washington | 7 | $ 1,345,000 | $ 192,000 | $ 168,000 |
| Deschutes County Oregon | 6 | $ 1,730,000 | $ 288,000 | $ 123,000 |
| Columbia County Washington | 6 | $ 910,000 | $ 151,000 | $ 88,000 |
| Douglas County Washington | 6 | $ 770,000 | $ 128,000 | $ 58,000 |
| Missoula County Montana | 5 | $ 1,755,000 | $ 351,000 | $ 111,000 |
| Clallam County Washington | 5 | $ 595,000 | $ 119,000 | $ 108,000 |
| Nez Perce County Idaho | 4 | $ 610,000 | $ 152,000 | $ 73,000 |
| Multnomah County Oregon | 4 | $ 1,530,000 | $ 382,000 | $ 98,000 |
| Asotin County Washington | 4 | $ 810,000 | $ 202,000 | $ 130,000 |
| Grays Harbor County Washington | 4 | $ 2,180,000 | $ 545,000 | $ 126,000 |
| Klamath County Oregon | 3 | $ 405,000 | $ 135,000 | $ 164,000 |
| Lane County Oregon | 3 | $ 485,000 | $ 161,000 | $ 96,000 |
| Lincoln County Oregon | 3 | $ 595,000 | $ 198,000 | $ 152,000 |
| Union County Oregon | 3 | $ 405,000 | $ 135,000 | $ 50,000 |
| Yamhill County Oregon | 3 | $ 695,000 | $ 231,000 | $ 81,000 |
| Island County Washington | 3 | $ 215,000 | $ 71,000 | $ 116,000 |
| Canyon County Idaho | 2 | $ 210,000 | $ 105,000 | $ 70,000 |
| Flathead County Montana | 2 | $ 2,330,000 | $ 1,165,000 | $ 1,050,000 |
| Sanders County Montana | 2 | $ 360,000 | $ 180,000 | $ 75,000 |
| Linn County Oregon | 2 | $ 250,000 | $ 125,000 | $ 80,000 |
| Wallowa County Oregon | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Washington County Oregon | 2 | $ 630,000 | $ 315,000 | $ 71,000 |
| Cowlitz County Washington | 2 | $ 190,000 | $ 95,000 | $ 127,000 |
| Klickitat County Washington | 2 | $ 480,000 | $ 240,000 | $ 258,000 |
| Maricopa County Arizona | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Denver County Colorado | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Fulton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 260,000 |
| Camas County Idaho | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Clearwater County Idaho | 1 | $ 205,000 | $ 205,000 | $ 130,000 |
| Lemhi County Idaho | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Madison County Idaho | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Twin Falls County Idaho | 1 | $ 35,000 | $ 35,000 | $ 110,000 |
| Valley County Idaho | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Deer Lodge County Montana | 1 | $ 115,000 | $ 115,000 | $ 138,000 |
| Gallatin County Montana | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Lewis and Clark County Montana | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Lincoln County Montana | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Ravalli County Montana | 1 | $ 335,000 | $ 335,000 | $ 184,000 |
| Yellowstone County Montana | 1 | $ 385,000 | $ 385,000 | $ 87,000 |
| Clackamas County Oregon | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Hood River County Oregon | 1 | $ 545,000 | $ 545,000 | $ 117,000 |
| Josephine County Oregon | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Morrow County Oregon | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Wasco County Oregon | 1 | $ 65,000 | $ 65,000 | $ 125,000 |
| Lewis County Washington | 1 | $ 545,000 | $ 545,000 | $ 135,000 |
| Pacific County Washington | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Spokane Teachers in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 2,620 | $670,200,000 | $255,000 | $37,875,000 | $104,000 | $3,300,000 |
| Home Improvement | 1,843 | $141,485,000 | $76,000 | $1,865,000 | $115,000 | $1,728,000 |
| Refinancing | 1,488 | $306,270,000 | $205,000 | $5,205,000 | $99,000 | $1,423,000 |
| Home Purchase | 1,467 | $538,055,000 | $366,000 | $15,905,000 | $102,000 | $1,245,000 |
| Other Purpose | 1,275 | $123,945,000 | $97,000 | $575,000 | $121,000 | $1,668,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,943 | $1,264,335,000 | $182,000 | $2,005,000 | $106,000 | $3,300,000 |
| Not Provided | 1,034 | $195,460,000 | $189,000 | $2,005,000 | $118,000 | $1,668,000 |
| Hispanic | 307 | $60,105,000 | $195,000 | $1,005,000 | $100,000 | $595,000 |
| Asian | 126 | $25,310,000 | $200,000 | $795,000 | $116,000 | $1,377,000 |
| American Indian or Alaskan Native | 103 | $16,775,000 | $162,000 | $695,000 | $97,000 | $254,000 |
| Black or African American | 88 | $16,350,000 | $185,000 | $755,000 | $93,000 | $255,000 |
| Not applicable | 52 | $193,960,000 | $3,730,000 | $37,875,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,245,000 | $172,000 | $415,000 | $103,000 | $175,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,546 | $1,741,770,000 | $203,000 | $37,875,000 | $108,000 | $3,300,000 |
| FHA-insured (Federal Housing Administration) | 109 | $26,175,000 | $240,000 | $505,000 | $69,000 | $900,000 |
| VA-guaranteed (Veterans Administration) | 34 | $10,990,000 | $323,000 | $655,000 | $81,000 | $237,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,020,000 | $255,000 | $355,000 | $52,000 | $90,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,673 | $1,135,635,000 | $200,000 | $37,875,000 | $110,000 | $3,174,000 |
| Application Withdrawn By Applicant | 1,391 | $283,325,000 | $203,000 | $7,255,000 | $118,000 | $3,300,000 |
| Application Denied By Financial Institution | 708 | $132,200,000 | $186,000 | $15,905,000 | $89,000 | $2,773,000 |
| Preapproval Denied by Financial Institution | 390 | $108,090,000 | $277,000 | $955,000 | $62,000 | $660,000 |
| File Closed For Incompleteness | 341 | $76,945,000 | $225,000 | $2,005,000 | $104,000 | $1,050,000 |
| Application Approved But Not Accepted | 174 | $37,420,000 | $215,000 | $14,655,000 | $131,000 | $1,668,000 |
| Preapproval Approved but not Accepted | 16 | $6,340,000 | $396,000 | $585,000 | $105,000 | $450,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,595 | $1,539,665,000 | $202,000 | $37,875,000 | $112,000 | $3,300,000 |
| Debt-To-Income Ratio | 474 | $101,870,000 | $214,000 | $745,000 | $51,000 | $215,000 |
| Credit History | 266 | $66,810,000 | $251,000 | $15,905,000 | $96,000 | $2,773,000 |
| Collateral | 133 | $18,315,000 | $137,000 | $2,005,000 | $108,000 | $1,245,000 |
| Credit Application Incomplete | 99 | $9,475,000 | $95,000 | $605,000 | $122,000 | $1,668,000 |
| Other | 50 | $19,470,000 | $389,000 | $12,305,000 | $105,000 | $459,000 |
| Employment History | 40 | $9,240,000 | $231,000 | $455,000 | $73,000 | $209,000 |
| Unverifiable Information | 23 | $5,945,000 | $258,000 | $755,000 | $74,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $9,165,000 | $705,000 | $5,205,000 | $80,000 | $110,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Spokane Teachers's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Spokane Teachers's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Washington, download the full spreadsheet
with aggregated HMDA statistics today.