Mortgage lenders in Cowlitz County
3,302 mortgages were made in Cowlitz County, Washington, in 2025, by 275 lenders. The median rate their borrowers got was 6.750% on a median loan of $285,000. Of 4,287 decisions, 766 were denials — 17.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FIBRE | 466 | 7.500% | $95,000 | 26.0% |
| GUILD MORTGAGE COMPANY | 312 | 6.563% | $325,000 | 3.2% |
| RED CANOE CREDIT UNION | 255 | 7.500% | $95,000 | 12.2% |
| Rocket Mortgage, LLC | 193 | 6.500% | $295,000 | 19.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 193 | 6.125% | $395,000 | 14.7% |
| DAS Acquisition Company, LLC | 122 | 6.625% | $355,000 | 5.9% |
| Fairway Independent Mortgage Corporation | 81 | 6.750% | $355,000 | 3.6% |
| CMG MORTGAGE, INC. | 68 | 6.625% | $400,000 | 4.0% |
| V.I.P. MORTGAGE, INC. | 61 | 6.250% | $355,000 | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 58 | 6.500% | $95,000 | 28.9% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 6.125% | $325,000 | 18.8% |
| iQ Credit Union | 51 | 7.250% | $105,000 | 22.2% |
| Mortgage Research Center, LLC | 49 | 6.250% | $365,000 | 12.3% |
| Synergy One Lending, Inc. | 49 | 6.750% | $325,000 | 7.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 45 | 6.625% | $335,000 | 2.0% |
| Umpqua Bank | 44 | 7.313% | $305,000 | 13.7% |
| NATIONS DIRECT MORTGAGE, LLC | 43 | 6.365% | $375,000 | 4.4% |
| U.S. Bank National Association | 41 | 7.200% | $155,000 | 41.7% |
| GUARANTEED RATE, INC. | 37 | 6.500% | $385,000 | 4.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.813% | $420,000 | 22.0% |
| NATIONSTAR MORTGAGE LLC | 30 | 8.688% | $75,000 | 13.9% |
| NEWREZ LLC | 27 | 6.750% | $375,000 | 20.0% |
| FREEDOM MORTGAGE CORPORATION | 26 | 6.250% | $355,000 | 19.5% |
| ONPOINT COMMUNITY CREDIT UNION | 24 | 7.250% | $295,000 | 15.6% |
| CORNERSTONE CAPITAL BANK, SSB | 24 | 6.813% | $370,000 | 0.0% |
| SOUTHWEST FUNDING, LP | 24 | 6.000% | $285,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.500% | $310,000 | 20.7% |
| MOVEMENT MORTGAGE, LLC | 22 | 6.813% | $390,000 | 13.8% |
| Loandepot.Com, LLC | 21 | 6.625% | $205,000 | 33.3% |
| THE LOAN STORE, INC. | 21 | 6.625% | $325,000 | 13.8% |
| Boeing Employees Credit Union | 21 | 6.490% | $125,000 | 16.0% |
| UNION HOME MORTGAGE CORP. | 21 | 6.250% | $385,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | 6.990% | $355,000 | 5.0% |
| Plains Commerce Bank | 19 | 6.375% | $155,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 18 | 4.995% | $415,000 | 0.0% |
| CLM MORTGAGE, INC. | 18 | 5.490% | $515,000 | 0.0% |
| AmeriSave Mortgage Corporation | 17 | 6.875% | $125,000 | 60.4% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.625% | $405,000 | 0.0% |
| SPRING EQ, LLC | 16 | 8.588% | $60,000 | 62.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 16 | 6.875% | $350,000 | 11.1% |
| KIND LENDING, LLC | 16 | 7.063% | $345,000 | 30.4% |
| ENVOY MORTGAGE, LTD | 16 | 6.563% | $390,000 | 5.9% |
| TRIAD FINANCIAL SERVICES, INC. | 15 | 8.780% | $75,000 | 10.7% |
| Lower Columbia Longshoremen Federal Credit Union | 15 | Not published | $155,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.625% | $360,000 | 17.7% |
| JPMorgan Chase Bank, National Association | 14 | 6.625% | $275,000 | 6.7% |
| Bank of America, National Association | 13 | 6.375% | $145,000 | 40.9% |
| RESIDENTIAL MORTGAGE, LLC | 13 | 6.375% | $415,000 | 13.3% |
| 1st Security Bank of Washington | 12 | 7.000% | $540,000 | 0.0% |
| JMAC LENDING, INC. | 11 | 6.625% | $305,000 | 0.0% |
| SUMMIT MORTGAGE CORPORATION | 11 | 6.500% | $305,000 | 8.3% |
| FIGURE LENDING LLC | 10 | 10.725% | $95,000 | 42.3% |
| Banner Bank | 10 | 8.000% | $310,000 | 16.7% |
| Wells Fargo Bank, National Association | 10 | 6.188% | $180,000 | 16.7% |
| Cornerstone First Mortgage, Inc | 10 | 6.500% | $310,000 | 0.0% |
| Click n' Close, Inc. | 10 | 6.500% | $270,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 59.4% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 47.4% |
| Heritage Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MORTGAGE EXPRESS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 9.1% |
| HomeStreet Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wauna Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 27.3% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 81.8% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Unitus Community Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Timberland Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GESA | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECTORS MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 28.6% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIORITY HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rivermark Community | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SCENIC OAKS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUALSTAR CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493009QB0KBU5M6NP90 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 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% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 88.9% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HAPO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eastside Funding LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sound Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAPCO Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC N W FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Northwest Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELCO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LPMC, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S CREDIT UNION, A | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Solera National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | 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 75 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cowlitz County
8 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| U.S. Bank National Association | 2 | $290.3 million |
| Columbia Bank | 2 | $184.3 million |
| JPMorgan Chase Bank, National Association | 1 | $157.7 million |
| Heritage Bank | 1 | $146.9 million |
| Twin City Bank | 1 | $135.4 million |
| KeyBank National Association | 1 | $42.2 million |
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When the next year’s lending figures are out for Cowlitz County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.