Mortgage lenders in Franklin County
2,013 mortgages were made in Franklin County, Washington, in 2025, by 203 lenders. The median rate their borrowers got was 6.625% on a median loan of $305,000. Of 2,702 decisions, 578 were denials — 21.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GESA | 240 | 7.500% | $155,000 | 23.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 121 | 6.125% | $375,000 | 12.7% |
| 1st Security Bank of Washington | 119 | 6.125% | $400,000 | 4.0% |
| Rocket Mortgage, LLC | 113 | 6.625% | $265,000 | 12.6% |
| CMG MORTGAGE, INC. | 108 | 6.500% | $365,000 | 3.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 98 | 6.250% | $360,000 | 1.9% |
| NUMERICA CREDIT UNION | 91 | 8.000% | $105,000 | 55.8% |
| Umpqua Bank | 70 | 6.813% | $250,000 | 31.7% |
| DHI MORTGAGE COMPANY, LTD. | 59 | 5.500% | $395,000 | 4.8% |
| HAPO COMMUNITY CREDIT UNION | 58 | 7.375% | $95,000 | 20.7% |
| Banner Bank | 48 | 6.875% | $290,000 | 24.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 47 | 6.750% | $335,000 | 9.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 47 | 6.125% | $305,000 | 4.0% |
| SUMMIT FUNDING, INC. | 39 | 6.500% | $305,000 | 2.4% |
| SPOKANE TEACHERS | 33 | 8.240% | $105,000 | 28.6% |
| Yakima Federal Savings and Loan Association | 33 | 6.875% | $235,000 | 8.1% |
| Broker Solutions, Inc. | 30 | 6.688% | $320,000 | 3.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.438% | $390,000 | 9.1% |
| PENNYMAC LOAN SERVICES, LLC | 27 | 7.500% | $145,000 | 9.7% |
| NATIONSTAR MORTGAGE LLC | 27 | 8.250% | $125,000 | 20.6% |
| Loandepot.Com, LLC | 26 | 6.600% | $335,000 | 10.3% |
| CHURCHILL MORTGAGE CORPORATION | 23 | 6.625% | $335,000 | 4.0% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.188% | $395,000 | 15.4% |
| Tri-Cities Community Federal Credit Union | 20 | Not published | $40,000 | 9.1% |
| Glacier Bank | 18 | 6.313% | $295,000 | 14.3% |
| GUILD MORTGAGE COMPANY | 17 | 6.500% | $335,000 | 5.6% |
| Community First Bank | 16 | Not published | $445,000 | 0.0% |
| SPRING EQ, LLC | 15 | 8.600% | $75,000 | 48.3% |
| Bank of America, National Association | 14 | 6.308% | $150,000 | 46.2% |
| JPMorgan Chase Bank, National Association | 13 | 6.490% | $395,000 | 13.3% |
| U.S. Bank National Association | 12 | 7.475% | $160,000 | 66.7% |
| NEWREZ LLC | 12 | 6.933% | $145,000 | 40.0% |
| ENVOY MORTGAGE, LTD | 12 | 6.875% | $415,000 | 0.0% |
| FIGURE LENDING LLC | 11 | 9.450% | $65,000 | 30.8% |
| MORTGAGEONE, INC. | 11 | 6.625% | $385,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 5.938% | $385,000 | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.900% | $85,000 | 35.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.000% | $330,000 | 26.7% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.151% | $305,000 | 23.1% |
| Washington Trust Bank | 10 | 6.938% | $110,000 | 16.7% |
| Cornerstone First Mortgage, Inc | 10 | 6.375% | $335,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 10 | 5.875% | $425,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 30.8% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 61.1% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 53.3% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| IDAHO CENTRAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Boeing Employees Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 7.1% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| MORTGAGE EXPRESS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Self-Help Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LPMC, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Solarity Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baker-Boyer National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Funding Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 71.4% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 44.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Horizon Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain America Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| iQ Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUALSTAR CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Eastern Oregon | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Seattle Metropolitan Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WASHINGTON FEDERAL BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HomeStreet Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Potlatch No. 1 Financial Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AML FUNDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Consolidated Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MICHIGAN MUTUAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VERITY | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST FED BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fidelity Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PlainsCapital Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 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 3 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Franklin County
10 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Columbia Bank | 2 | $180.4 million |
| Glacier Bank | 2 | $172.1 million |
| U.S. Bank National Association | 1 | $172.4 million |
| Yakima Federal Savings and Loan Association | 1 | $144.9 million |
| Banner Bank | 1 | $90.7 million |
| JPMorgan Chase Bank, National Association | 1 | $77.5 million |
| BMO Bank National Association | 1 | $33.3 million |
| Bank of Eastern Oregon | 1 | $33.2 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Community First Bank, 4720 Broadmoor Blvd, Pasco
- Community First Bank, 630 S Columbia Ave, Connell
- Glacier Bank, 9825 Sandifur Pkwy, Suite C, Pasco
Get told when this changes
When the next year’s lending figures are out for Franklin 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.