Lincoln County, WA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 532 mortgage applications in Lincoln County, WA totaling $118.8 million, up 5% from 2023. The average application was for $223,000, and applicants reported an average income of $103,000. 51% of applications resulted in an originated loan and 19% were denied. The most active lender was Spokane Teachers Credit Union, with 28 applications, followed by United Wholesale Mortgage and Numerica Credit Union.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  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 532
Total Mortgage Loan Application Amount $118,810,000
Average Mortgage Loan Application Amount $223,000
Highest Mortgage Loan Application Amount $1,105,000
Average Applicant Income $103,000
Highest Applicant Income $946,000

Mortgage Company List for Lending in Lincoln County, WA for 2024

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ n/a 28 $ 3,170,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 21 $ 7,155,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ n/a 20 $ 3,090,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ n/a 17 $ 3,655,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ n/a 17 $ 4,685,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 17 $ 5,125,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 17 $ 2,285,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 15 $ 5,085,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 14 $ 3,740,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 14 $ 2,300,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ n/a 13 $ 2,335,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 12 $ 3,300,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 12 $ 4,570,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 12 $ 2,750,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 11 $ 2,755,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 1,935,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 11 $ 3,235,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 10 $ 2,900,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 9 $ 775,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 8 $ 2,570,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 8 $ 1,900,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 1,600,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ n/a 8 $ 840,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ n/a 6 $ 560,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 6 $ 300,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 315,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 565,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 5 $ 1,595,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 5 $ 865,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ n/a 5 $ 905,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 5 $ 1,325,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 5 $ 1,095,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ n/a 4 $ 1,920,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 1,020,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ n/a 4 $ 1,210,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 4 $ 1,160,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 1,050,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 955,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ n/a 3 $ 1,415,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 3 $ 945,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ n/a 3 $ 995,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 3 $ 335,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 3 $ 855,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 3 $ 465,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ n/a 3 $ 555,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 3 $ 845,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 3 $ 355,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 1,155,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 3 $ 395,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 3 $ 1,155,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 685,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 295,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 3 $ 805,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 2 $ 300,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 250,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 2 $ 330,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 410,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 2 $ 480,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ n/a 2 $ 130,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 550,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 2 $ 430,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 420,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 530,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 2 $ 210,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 2 $ 280,000
Sammamish Mortgage Company
3015 112TH AVE NE STE 214
BELLEVUE, WA 98004
* $ n/a 2 $ 270,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 2 $ 470,000
Qualstar Credit Union
PO BOX 3050
BOTHELL, WA 98041
* $ n/a 2 $ 170,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 225,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 115,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 365,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 175,000
First Federal Savings Bank
303 SHOSHONE ST N
TWIN FALLS, ID 83303
* $ n/a 1 $ 285,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 285,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ n/a 1 $ 345,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 55,000
Fibre Federal Credit Union
PO BOX 1234
LONGVIEW, WA 98632
* $ n/a 1 $ 55,000
Timberland Bank
624 SIMPSON AVE
HOQUIAM, WA 98550
* $ n/a 1 $ 345,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 195,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 205,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ n/a 1 $ 155,000
Peoples Bank
3100 WOBURN STREET
BELLINGHAM, WA 98226
* $ n/a 1 $ 365,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ n/a 1 $ 45,000
Generations Home Loans, LLC
1156 SCENIC DRIVE SUITE 200
MODESTO, CA 95350
* $ n/a 1 $ 385,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 105,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 585,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 75,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ n/a 1 $ 55,000
Freedom Northwest Credit Union
303 MAIN ST
KAMIAH, ID 83536
* $ n/a 1 $ 135,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 165,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 1 $ 155,000
Hapo Communtiy Credit Union
4 N UNION ST
RICHLAND, WA 99354
* $ n/a 1 $ 345,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 135,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ n/a 1 $ 305,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 205,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 275,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 125,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 135,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 55,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 245,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 1 $ 275,000
Ennkar, Inc.
1036 W. TAFT AVENUE SUITE 200
ORANGE, CA 92868
* $ n/a 1 $ 95,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ n/a 1 $ 355,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 265,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 1 $ 55,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 255,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 235,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 1 $ 565,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 275,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 55,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 225,000
Portage Bank

SPOKANE, WA 99201
* $ n/a 1 $ 215,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 245,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 375,000

The tables below break down 2024 mortgage applications in Lincoln County, WA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lincoln County, WA in 2024

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
Home Purchase 243 $69,855,000 $287,000 $1,105,000 $118,000 $946,000
Cash-out Refinancing 120 $26,320,000 $219,000 $655,000 $92,000 $382,000
Home Improvement 64 $5,910,000 $92,000 $495,000 $82,000 $280,000
Other Purpose 63 $5,705,000 $90,000 $475,000 $86,000 $352,000
Refinancing 41 $10,895,000 $265,000 $565,000 $114,000 $318,000
Not Applicable 1 $125,000 $125,000 $125,000 $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 408 $88,960,000 $218,000 $835,000 $104,000 $946,000
Not Provided 58 $12,270,000 $211,000 $1,105,000 $88,000 $332,000
Not applicable 34 $9,320,000 $274,000 $585,000 $66,000 $99,000
American Indian or Alaskan Native 12 $2,630,000 $219,000 $445,000 $101,000 $202,000
Hispanic 11 $4,035,000 $366,000 $675,000 $151,000 $472,000
Native Hawaiian or Other Pacific Islander 4 $450,000 $112,000 $265,000 $104,000 $170,000
Black or African American 3 $615,000 $205,000 $285,000 $51,000 $75,000
Asian 2 $530,000 $265,000 $385,000 $105,000 $135,000

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) 351 $66,765,000 $190,000 $1,105,000 $109,000 $946,000
FHA-insured (Federal Housing Administration) 95 $22,895,000 $241,000 $495,000 $84,000 $244,000
VA-guaranteed (Veterans Administration) 84 $28,960,000 $344,000 $665,000 $97,000 $276,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $190,000 $95,000 $175,000 $59,000 $62,000

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 273 $66,315,000 $242,000 $665,000 $113,000 $946,000
Application Denied By Financial Institution 99 $14,355,000 $145,000 $465,000 $83,000 $340,000
Application Withdrawn By Applicant 86 $19,930,000 $231,000 $1,105,000 $98,000 $472,000
Loan Purchased By The Institution 34 $9,360,000 $275,000 $585,000 $66,000 $110,000
File Closed For Incompleteness 26 $5,360,000 $206,000 $655,000 $79,000 $244,000
Application Approved But Not Accepted 11 $2,815,000 $255,000 $835,000 $138,000 $498,000
Preapproval Approved but not Accepted 2 $620,000 $310,000 $385,000 $163,000 $276,000
Preapproval Denied by Financial Institution 1 $55,000 $55,000 $55,000 $173,000 $173,000

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 430 $104,050,000 $241,000 $1,105,000 $108,000 $946,000
Debt-To-Income Ratio 29 $4,635,000 $159,000 $415,000 $66,000 $137,000
Collateral 25 $3,415,000 $136,000 $465,000 $120,000 $318,000
Credit Application Incomplete 20 $2,820,000 $141,000 $375,000 $77,000 $340,000
Credit History 20 $2,600,000 $130,000 $455,000 $75,000 $159,000
Other 4 $720,000 $180,000 $255,000 $82,000 $152,000
Insufficient Cash (Downpayment, Closing Cost) 2 $460,000 $230,000 $335,000 $75,000 $108,000
Unverifiable Information 1 $55,000 $55,000 $55,000 $173,000 $173,000
Employment History 1 $55,000 $55,000 $55,000 $39,000 $39,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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