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2024 data HMDA 2024 disclosure official source

Pend Oreille County

617 mortgage applications, 18.0% denial rate. Verify FIPS 53051 with U.S. Census Bureau →

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Washington · FIPS 53051

Local mortgage market. Pend Oreille County, Washington saw 617 HMDA-reported mortgage applications in 2024. Lenders originated 316 of those loans and denied 111, producing a denial rate of 18.0% and an approval (origination) rate of 51.2%. The average loan amount was $257,869 at an average note rate of 7.27%, with applicants self-reporting average annual income of $37K. 80 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 53051 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

617
Applications
316
Originated
18.0%
Denial Rate
51.2%
Approval Rate
$257,869
Avg Loan Amount
7.27%
Avg Interest Rate
$37K
Avg Applicant Income
7.0x
Loan-to-Income Ratio

Nearby Lenders in Pend Oreille County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Spokane Teachers Credit Union 34 10.8%
2 United Wholesale Mortgage 21 6.6%
3 Glacier Bank 19 6.0%
4 American Pacific Mortgage Corporation 16 5.1%
5 Rocket Mortgage 16 5.1%
Compare Spokane Teachers Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Pend Oreille County?
In the 2024 HMDA reporting year, 617 mortgage applications were filed in Pend Oreille County, Washington. Of these, 316 were originated (approved and funded), while 111 were denied, resulting in a denial rate of 18.0%.
What is the mortgage denial rate in Pend Oreille County?
The mortgage denial rate in Pend Oreille County is 18.0%. The approval (origination) rate is 51.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pend Oreille County?
The average mortgage loan amount in Pend Oreille County is $257,869. The average interest rate is 7.272%. The average applicant income is $37K.
What is the loan-to-income ratio in Pend Oreille County?
The average loan-to-income ratio in Pend Oreille County is 7.0x, meaning borrowers took on loans averaging 7.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pend Oreille County?
The top mortgage lenders in Pend Oreille County by origination volume are Spokane Teachers Credit Union, United Wholesale Mortgage, Glacier Bank. In total, 80 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.