Refinancing lenders in Clark County
1,998 refinancing mortgages were made in Clark County, Washington, in 2025, by 244 lenders. The median rate their borrowers got was 6.240% on a median loan of $395,000. Of 2,703 decisions, 524 were denials — 19.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COLUMBIA COMMUNITY CREDIT UNION | 278 | 7.750% | $105,000 | 28.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 257 | 5.999% | $485,000 | 10.7% |
| ONPOINT COMMUNITY CREDIT UNION | 151 | 7.500% | $145,000 | 10.2% |
| Rocket Mortgage, LLC | 118 | 5.875% | $465,000 | 21.3% |
| CMG MORTGAGE, INC. | 64 | 6.875% | $455,000 | 9.1% |
| GUILD MORTGAGE COMPANY | 59 | 6.000% | $415,000 | 10.5% |
| FREEDOM MORTGAGE CORPORATION | 57 | 5.875% | $445,000 | 5.4% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 5.625% | $505,000 | 8.9% |
| Bank of America, National Association | 35 | 6.240% | $125,000 | 41.3% |
| NEWREZ LLC | 32 | 6.250% | $395,000 | 16.7% |
| Umpqua Bank | 29 | 8.250% | $225,000 | 46.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 29 | 6.500% | $505,000 | 6.5% |
| GUARANTEED RATE, INC. | 25 | 5.990% | $545,000 | 3.9% |
| U.S. Bank National Association | 24 | 6.125% | $440,000 | 7.1% |
| iQ Credit Union | 24 | 6.125% | $355,000 | 3.7% |
| UNION HOME MORTGAGE CORP. | 23 | 6.125% | $395,000 | 7.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.250% | $295,000 | 10.7% |
| Fairway Independent Mortgage Corporation | 22 | 6.125% | $440,000 | 8.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 21 | 6.500% | $385,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 21 | 6.500% | $515,000 | 0.0% |
| Loandepot.Com, LLC | 20 | 5.500% | $460,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.125% | $425,000 | 56.6% |
| Third Federal Savings and Loan Association of Cleveland | 18 | 6.990% | $155,000 | 28.0% |
| SUMMIT MORTGAGE CORPORATION | 17 | 6.125% | $395,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.750% | $515,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 16 | 6.313% | $460,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 6.188% | $450,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 14 | 6.125% | $490,000 | 6.7% |
| PHH Mortgage Corporation | 13 | 5.875% | $425,000 | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.000% | $445,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.250% | $445,000 | 18.8% |
| Sunflower Bank, National Association | 13 | 5.990% | $565,000 | 0.0% |
| THE LOAN STORE, INC. | 12 | 6.563% | $470,000 | 6.7% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.500% | $270,000 | 0.0% |
| Mortgage Research Center, LLC | 11 | 5.500% | $505,000 | 57.7% |
| Boeing Employees Credit Union | 11 | 5.990% | $225,000 | 36.8% |
| RESIDENTIAL MORTGAGE, LLC | 10 | 6.063% | $475,000 | 28.6% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.094% | $480,000 | 0.0% |
| KeyBank National Association | 10 | 6.438% | $575,000 | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.313% | $480,000 | 9.1% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 10 | 5.938% | $340,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| HomeStreet Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TWINSTAR | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Mechanics Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE EXPRESS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Rivermark Community | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Consolidated Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GESA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Security Bank of Washington | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Riverview Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Banner Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PACIFIC N W FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OREGON COMMUNITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 28.6% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIBRE | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Unitus Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Point West Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SAMMAMISH MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Timberland Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Yakima Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPOKANE TEACHERS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Embold Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTURY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE LIFE INSURANCE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 94.4% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RED CANOE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RESICENTRAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HIGHTECHLENDING INC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 44 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.