Washington · HMDA 2025
Mortgage lenders in Lincoln County, WA
122 lenders reported 604 home-loan applications in Lincoln County in 2025. 325 closed as loans ($75.5M), 108 were denied — a 23.8% denial rate on decided applications, above the Washington rate of 19.5%. The three most active lenders handled 18% of applications, led by SPOKANE TEACHERS. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 604
- Loans originated
- 325
- Purchase / refinance
- 141 / 116
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | SPOKANE TEACHERS | 42 | 7.0% | — |
| 2 | Rocket Mortgage, LLC | 38 | 6.3% | — |
| 3 | NUMERICA CREDIT UNION 74 out of 100, Strong | 28 | 4.6% | 39.5% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 4.1% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 24 | 4.0% | 39.5% |
| 6 | FREEDOM MORTGAGE CORPORATION | 19 | 3.1% | — |
| 7 | Glacier Bank 68 out of 100, Moderate | 18 | 3.0% | 20.0% |
| 8 | Banner Bank 72 out of 100, Strong | 17 | 2.8% | 35.6% |
| 9 | NEWREZ LLC | 15 | 2.5% | — |
| 10 | GUILD MORTGAGE COMPANY | 15 | 2.5% | — |
| 11 | Mortgage Research Center, LLC | 14 | 2.3% | — |
| 12 | Sunflower Bank, National Association 51 out of 100, Below average | 14 | 2.3% | 5.8% |
| 13 | GESA | 13 | 2.2% | — |
| 14 | MOVEMENT MORTGAGE, LLC | 12 | 2.0% | — |
| 15 | Loandepot.Com, LLC | 12 | 2.0% | — |
| 16 | PENNYMAC LOAN SERVICES, LLC | 10 | 1.7% | — |
| 17 | AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 1.7% | — |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 9 | 1.5% | — |
| 19 | SPRING EQ, LLC | 9 | 1.5% | — |
| 20 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 9 | 1.5% | 17.8% |
| 21 | NATIONSTAR MORTGAGE LLC | 9 | 1.5% | — |
| 22 | Fairway Independent Mortgage Corporation | 8 | 1.3% | — |
| 23 | AmeriSave Mortgage Corporation | 8 | 1.3% | — |
| 24 | PHH Mortgage Corporation | 8 | 1.3% | — |
| 25 | FIGURE LENDING LLC | 7 | 1.2% | — |
| 26 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 7 | 1.2% | — |
| 27 | Horizon Federally Insured State-Chartered Credit Union | 7 | 1.2% | — |
| 28 | PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | 1.2% | — |
| 29 | Washington Trust Bank 60 out of 100, Moderate | 7 | 1.2% | 22.5% |
| 30 | Broker Solutions, Inc. | 6 | 1.0% | — |
| 31 | Cornerstone First Mortgage, Inc | 6 | 1.0% | — |
| 32 | Boeing Employees Credit Union 75 out of 100, Strong | 6 | 1.0% | 26.5% |
| 33 | CMG MORTGAGE, INC. | 5 | 0.8% | — |
| 34 | GUARANTEED RATE, INC. | 5 | 0.8% | — |
| 35 | Umpqua Bank 64 out of 100, Moderate | 5 | 0.8% | 28.5% |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.7% | 32.9% |
| 37 | 21st Mortgage Corporation | 4 | 0.7% | — |
| 38 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.7% | 14.1% |
| 39 | Bank of America, National Association 59 out of 100, Moderate | 4 | 0.7% | 44.7% |
| 40 | WASHINGTON STATE EMPLOYEES CREDIT UNION 59 out of 100, Moderate | 4 | 0.7% | 46.1% |
Top 40 of 122 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