Stevens County
Washington · FIPS 53065
According to CFPB HMDA 2024 application volume among U.S. counties, Stevens County ranks #1,000 of 3,210, and #23 of 39 in Washington.
Mortgage lending activity in Stevens County, Washington based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Stevens County, Washington saw 1,763 HMDA-reported mortgage applications in 2024. Lenders originated 855 of those loans and denied 397, producing a denial rate of 22.5% and an approval (origination) rate of 48.5%. The average loan amount was $244,524 at an average note rate of 7.29%, with applicants self-reporting average annual income of $38K. 131 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Stevens County
In Stevens County, lead originator Spokane Teachers Credit Union funded only 10.1% of 855 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Stevens County's 1,763 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Stevens County's $244,524 average loan (deduped against volume peers).
Lenders active in Stevens County
Spokane Teachers Credit Union funded 86 of the 855 loans originated in Stevens County, 10.1% of the county. 131 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Spokane Teachers Credit Union | 86 | 10.1% |
| 2 | Rocket Mortgage | 68 | 8.0% |
| 3 | United Wholesale Mortgage | 55 | 6.4% |
| 4 | Horizon Credit Union | 34 | 4.0% |
| 5 | Guild Mortgage Company | 33 | 3.9% |
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; does not constitute financial advice for Stevens County borrowers.
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 Stevens County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.