Washington · HMDA 2025
Mortgage lenders in Garfield County, WA
48 lenders reported 114 home-loan applications in Garfield County in 2025. 50 closed as loans ($10.1M), 25 were denied — a 31.3% denial rate on decided applications, above the Washington rate of 19.5%. The three most active lenders handled 25% of applications, led by U.S. Bank National Association. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 114
- Loans originated
- 50
- Purchase / refinance
- 28 / 12
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Garfield County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 11.4% | 39.5% |
| 2 | Potlatch No. 1 Financial Credit Union 62 out of 100, Moderate | 8 | 7.0% | 13.4% |
| 3 | Rocket Mortgage, LLC | 7 | 6.1% | — |
| 4 | Mortgage Research Center, LLC | 7 | 6.1% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 6 | 5.3% | — |
| 6 | NEWREZ LLC | 5 | 4.4% | — |
| 7 | MOVEMENT MORTGAGE, LLC | 4 | 3.5% | — |
| 8 | GUILD MORTGAGE COMPANY | 4 | 3.5% | — |
| 9 | FREEDOM MORTGAGE CORPORATION | 4 | 3.5% | — |
| 10 | Fairway Independent Mortgage Corporation | 3 | 2.6% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 2.6% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 2.6% | — |
| 13 | WASHINGTON STATE EMPLOYEES CREDIT UNION 59 out of 100, Moderate | 3 | 2.6% | 46.1% |
| 14 | LAND HOME FINANCIAL SERVICES, INC. | 3 | 2.6% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 1.8% | 32.9% |
| 16 | Broker Solutions, Inc. | 2 | 1.8% | — |
| 17 | Discover Bank | 2 | 1.8% | — |
| 18 | GUARANTEED RATE, INC. | 2 | 1.8% | — |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 1.8% | — |
| 20 | MORTGAGE EXPRESS, LLC | 2 | 1.8% | — |
| 21 | AMERICAN FINANCIAL NETWORK, INC. | 2 | 1.8% | — |
| 22 | CMG MORTGAGE, INC. | 1 | 0.9% | — |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.9% | 14.1% |
| 24 | Loandepot.Com, LLC | 1 | 0.9% | — |
| 25 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.9% | 44.7% |
| 26 | Synergy One Lending, Inc. | 1 | 0.9% | — |
| 27 | THE LOAN STORE, INC. | 1 | 0.9% | — |
| 28 | Freedom Northwest Credit Union 82 out of 100, Strong | 1 | 0.9% | 0.0% |
| 29 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 1 | 0.9% | 17.8% |
| 30 | Griffin Funding, Inc. | 1 | 0.9% | — |
| 31 | 1st Security Bank of Washington 67 out of 100, Moderate | 1 | 0.9% | 8.1% |
| 32 | Mountain America Federal Credit Union 56 out of 100, Moderate | 1 | 0.9% | 45.0% |
| 33 | PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | 0.9% | — |
| 34 | RESIDENTIAL MORTGAGE, LLC | 1 | 0.9% | — |
| 35 | LOANLEADERS OF AMERICA, INC. | 1 | 0.9% | — |
| 36 | NATIONSTAR MORTGAGE LLC | 1 | 0.9% | — |
| 37 | Equity Prime Mortgage LLC | 1 | 0.9% | — |
| 38 | AgWest Farm Credit, FLCA | 1 | 0.9% | — |
| 39 | AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 0.9% | — |
| 40 | TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | 0.9% | — |
Top 40 of 48 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