Washington · HMDA 2025
Mortgage lenders in Adams County, WA
103 lenders reported 563 home-loan applications in Adams County in 2025. 269 closed as loans ($64.8M), 100 were denied — a 25.6% denial rate on decided applications, above the Washington rate of 19.5%. The three most active lenders handled 25% of applications, led by SPOKANE TEACHERS. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 563
- Loans originated
- 269
- Purchase / refinance
- 136 / 85
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Adams County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | SPOKANE TEACHERS | 58 | 10.3% | — |
| 2 | GUILD MORTGAGE COMPANY | 47 | 8.3% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 36 | 6.4% | — |
| 4 | GESA | 32 | 5.7% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 25 | 4.4% | — |
| 6 | Rocket Mortgage, LLC | 23 | 4.1% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 21 | 3.7% | 39.5% |
| 8 | Umpqua Bank 64 out of 100, Moderate | 17 | 3.0% | 28.5% |
| 9 | NEWREZ LLC | 16 | 2.8% | — |
| 10 | AmeriSave Mortgage Corporation | 14 | 2.5% | — |
| 11 | Financial Funding Solutions, Inc. | 14 | 2.5% | — |
| 12 | VILLAGE CAPITAL & INVESTMENT LLC | 13 | 2.3% | — |
| 13 | 1st Security Bank of Washington 67 out of 100, Moderate | 12 | 2.1% | 8.1% |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.8% | 14.1% |
| 15 | FREEDOM MORTGAGE CORPORATION | 10 | 1.8% | — |
| 16 | NUMERICA CREDIT UNION 74 out of 100, Strong | 10 | 1.8% | 39.5% |
| 17 | Fairway Independent Mortgage Corporation | 9 | 1.6% | — |
| 18 | Loandepot.Com, LLC | 9 | 1.6% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 9 | 1.6% | — |
| 20 | HAPO COMMUNITY CREDIT UNION 80 out of 100, Strong | 8 | 1.4% | 25.8% |
| 21 | PHH Mortgage Corporation | 8 | 1.4% | — |
| 22 | FIGURE LENDING LLC | 7 | 1.2% | — |
| 23 | Mortgage Research Center, LLC | 6 | 1.1% | — |
| 24 | CMG MORTGAGE, INC. | 5 | 0.9% | — |
| 25 | WASHINGTON STATE EMPLOYEES CREDIT UNION 59 out of 100, Moderate | 5 | 0.9% | 46.1% |
| 26 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 5 | 0.9% | 17.8% |
| 27 | Coastal Community Bank 35 out of 100, Low | 5 | 0.9% | 3.0% |
| 28 | SUMMIT FUNDING, INC. | 4 | 0.7% | — |
| 29 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.7% | — |
| 30 | Washington Trust Bank 60 out of 100, Moderate | 4 | 0.7% | 22.5% |
| 31 | GoodLeap, LLC | 4 | 0.7% | — |
| 32 | DIRECTORS MORTGAGE, INC. | 4 | 0.7% | — |
| 33 | Synergy One Lending, Inc. | 3 | 0.5% | — |
| 34 | Paramount Residential Mortgage Group, Inc. | 3 | 0.5% | — |
| 35 | PLANET HOME LENDING, LLC | 3 | 0.5% | — |
| 36 | Kiavi Funding, Inc. | 3 | 0.5% | — |
| 37 | PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | 0.5% | — |
| 38 | OCMBC, INC. | 3 | 0.5% | — |
| 39 | HOMEXPRESS MORTGAGE CORP. | 3 | 0.5% | — |
| 40 | LOWER, LLC | 3 | 0.5% | — |
Top 40 of 103 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Washington
- King County 78,011 apps
- Pierce County 42,610 apps
- Snohomish County 36,118 apps
- Spokane County 24,063 apps
- Clark County 23,306 apps
- Thurston County 14,076 apps
- Kitsap County 13,301 apps
- Benton County 9,496 apps
- Whatcom County 8,552 apps
- Yakima County 8,147 apps
- Cowlitz County 5,862 apps
- Skagit County 5,104 apps