Washington · HMDA 2025
Mortgage lenders in Jefferson County, WA
171 lenders reported 1,210 home-loan applications in Jefferson County in 2025. 665 closed as loans ($244.4M), 158 were denied — a 18.4% denial rate on decided applications, below the Washington rate of 19.5%. The three most active lenders handled 19% of applications, led by KITSAP Credit Union. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,210
- Loans originated
- 665
- Purchase / refinance
- 326 / 192
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | KITSAP Credit Union 54 out of 100, Below average | 85 | 7.0% | 29.9% |
| 2 | NEWREZ LLC | 77 | 6.4% | — |
| 3 | Rocket Mortgage, LLC | 64 | 5.3% | — |
| 4 | Broker Solutions, Inc. | 61 | 5.0% | — |
| 5 | 1st Security Bank of Washington 67 out of 100, Moderate | 55 | 4.5% | 8.1% |
| 6 | Boeing Employees Credit Union 75 out of 100, Strong | 53 | 4.4% | 26.5% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 50 | 4.1% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 45 | 3.7% | — |
| 9 | CANOPY MORTGAGE, LLC | 32 | 2.6% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 26 | 2.1% | 32.9% |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 2.1% | 14.1% |
| 12 | FREEDOM MORTGAGE CORPORATION | 23 | 1.9% | — |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 22 | 1.8% | — |
| 14 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 22 | 1.8% | — |
| 15 | FIRST FED BANK 49 out of 100, Below average | 22 | 1.8% | 13.2% |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 21 | 1.7% | 39.5% |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 19 | 1.6% | 44.7% |
| 18 | Kitsap Bank | 19 | 1.6% | — |
| 19 | CMG MORTGAGE, INC. | 17 | 1.4% | — |
| 20 | Mortgage Research Center, LLC | 16 | 1.3% | — |
| 21 | MOVEMENT MORTGAGE, LLC | 15 | 1.2% | — |
| 22 | GUILD MORTGAGE COMPANY | 15 | 1.2% | — |
| 23 | Loandepot.Com, LLC | 12 | 1.0% | — |
| 24 | AmeriSave Mortgage Corporation | 12 | 1.0% | — |
| 25 | FIGURE LENDING LLC | 12 | 1.0% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 10 | 0.8% | 22.2% |
| 27 | Umpqua Bank 64 out of 100, Moderate | 10 | 0.8% | 28.5% |
| 28 | PHH Mortgage Corporation | 10 | 0.8% | — |
| 29 | Discover Bank | 9 | 0.7% | — |
| 30 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 9 | 0.7% | — |
| 31 | LONGBRIDGE FINANCIAL, LLC | 9 | 0.7% | — |
| 32 | PENINSULA COMMUNITY | 9 | 0.7% | — |
| 33 | Sound Community Bank 64 out of 100, Moderate | 9 | 0.7% | 26.0% |
| 34 | GUARANTEED RATE, INC. | 8 | 0.7% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 8 | 0.7% | — |
| 36 | USAA Federal Savings Bank 64 out of 100, Moderate | 8 | 0.7% | 37.2% |
| 37 | 21st Mortgage Corporation | 7 | 0.6% | — |
| 38 | Fairway Independent Mortgage Corporation | 7 | 0.6% | — |
| 39 | FINANCE OF AMERICA REVERSE LLC | 7 | 0.6% | — |
| 40 | ONPOINT COMMUNITY CREDIT UNION 83 out of 100, Strong | 6 | 0.5% | 17.5% |
Top 40 of 171 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