Refinancing lenders in Washington County
1,954 refinancing mortgages were made in Washington County, Oregon, in 2025, by 258 lenders. The median rate their borrowers got was 6.250% on a median loan of $415,000. Of 2,461 decisions, 378 were denials — 15.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ONPOINT COMMUNITY CREDIT UNION | 412 | 7.500% | $135,000 | 13.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 186 | 5.997% | $495,000 | 11.1% |
| Rocket Mortgage, LLC | 109 | 5.990% | $465,000 | 15.0% |
| Bank of America, National Association | 61 | 5.990% | $200,000 | 25.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 56 | 6.000% | $515,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 55 | 5.990% | $525,000 | 5.1% |
| FREEDOM MORTGAGE CORPORATION | 51 | 5.875% | $485,000 | 10.8% |
| GUILD MORTGAGE COMPANY | 50 | 6.375% | $505,000 | 3.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 44 | 6.250% | $395,000 | 4.0% |
| NEWREZ LLC | 35 | 5.875% | $485,000 | 18.6% |
| CMG MORTGAGE, INC. | 34 | 6.500% | $540,000 | 5.0% |
| U.S. Bank National Association | 33 | 7.375% | $385,000 | 13.2% |
| MORTGAGE EXPRESS, LLC | 32 | 6.125% | $490,000 | 7.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.500% | $535,000 | 13.3% |
| UNION HOME MORTGAGE CORP. | 25 | 6.125% | $465,000 | 3.9% |
| FIRST COMMUNITY | 23 | 5.000% | $475,000 | 17.9% |
| JPMorgan Chase Bank, National Association | 21 | 6.125% | $395,000 | 15.4% |
| Umpqua Bank | 20 | 8.250% | $260,000 | 39.4% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 5.750% | $435,000 | 44.7% |
| KeyBank National Association | 17 | 6.625% | $335,000 | 26.1% |
| NATIONS DIRECT MORTGAGE, LLC | 17 | 6.250% | $425,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 17 | 5.990% | $455,000 | 10.5% |
| Fairway Independent Mortgage Corporation | 15 | 6.125% | $475,000 | 11.8% |
| Loandepot.Com, LLC | 15 | 5.500% | $575,000 | 15.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.250% | $255,000 | 5.9% |
| BETTER MORTGAGE CORPORATION | 14 | 6.250% | $505,000 | 11.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 5.990% | $490,000 | 12.5% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.188% | $280,000 | 6.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | 13 | 5.625% | $545,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.750% | $515,000 | 9.1% |
| PHH Mortgage Corporation | 12 | 5.990% | $510,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 11 | 6.990% | $195,000 | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.625% | $555,000 | 7.1% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.625% | $610,000 | 10.5% |
| ALLIANT CREDIT UNION | 10 | 8.250% | $140,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 10 | 6.625% | $355,000 | 0.0% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 52.6% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Unitus Community Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 65.0% |
| OREGON COMMUNITY | 7 | Under 10 loans | Under 10 loans | 22.2% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Boeing Employees Credit Union | 7 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Consolidated Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Rivermark Community | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SELCO COMMUNITY | 5 | Under 10 loans | Under 10 loans | 11.1% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sunset Science Park Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 44.4% |
| DIRECTORS MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Banner Bank | 3 | Under 10 loans | Under 10 loans | 55.6% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Embold Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Peak Residential Lending Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| iQ Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Security Bank of Washington | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OREGONIANS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Point West Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Northwest Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clackamas County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Yakima Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LPMC, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 58 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.