Refinancing lenders in King County
9,653 refinancing mortgages were made in King County, Washington, in 2025, by 395 lenders. The median rate their borrowers got was 6.000% on a median loan of $615,000. Of 12,138 decisions, 2,023 were denials — 16.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Boeing Employees Credit Union | 1,660 | 5.990% | $205,000 | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 669 | 5.999% | $635,000 | 9.2% |
| Bank of America, National Association | 563 | 5.875% | $825,000 | 21.0% |
| Rocket Mortgage, LLC | 482 | 5.990% | $615,000 | 21.9% |
| JPMorgan Chase Bank, National Association | 437 | 5.750% | $845,000 | 6.9% |
| U.S. Bank National Association | 383 | 5.875% | $1,035,000 | 7.3% |
| MOVEMENT MORTGAGE, LLC | 352 | 6.125% | $675,000 | 1.0% |
| CMG MORTGAGE, INC. | 258 | 6.500% | $660,000 | 5.7% |
| PENNYMAC LOAN SERVICES, LLC | 238 | 6.062% | $650,000 | 13.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 205 | 6.375% | $665,000 | 6.8% |
| Wells Fargo Bank, National Association | 181 | 5.500% | $1,155,000 | 6.6% |
| Citibank, National Association | 155 | 5.500% | $1,175,000 | 6.0% |
| NEWREZ LLC | 152 | 6.250% | $640,000 | 19.7% |
| GUILD MORTGAGE COMPANY | 139 | 6.375% | $675,000 | 3.9% |
| Global Federal Credit Union | 139 | 5.875% | $895,000 | 6.7% |
| OriginPoint, LLC | 126 | 6.375% | $760,000 | 4.5% |
| GUARANTEED RATE, INC. | 121 | 6.250% | $705,000 | 2.4% |
| General Mortgage Capital Corporation | 115 | 5.875% | $585,000 | 1.7% |
| Loandepot.Com, LLC | 111 | 6.125% | $685,000 | 13.9% |
| Umpqua Bank | 107 | 8.000% | $485,000 | 28.2% |
| SAMMAMISH MORTGAGE COMPANY | 106 | 6.125% | $625,000 | 7.8% |
| Fairway Independent Mortgage Corporation | 104 | 6.490% | $690,000 | 4.5% |
| FREEDOM MORTGAGE CORPORATION | 93 | 6.125% | $515,000 | 5.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 88 | 5.968% | $640,000 | 7.5% |
| CORNERSTONE CAPITAL BANK, SSB | 84 | 6.375% | $745,000 | 2.3% |
| KeyBank National Association | 83 | 5.875% | $835,000 | 46.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 80 | 6.000% | $655,000 | 10.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 71 | 5.828% | $1,155,000 | 2.7% |
| Third Federal Savings and Loan Association of Cleveland | 66 | 6.990% | $300,000 | 35.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 65 | 6.375% | $465,000 | 10.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 62 | 6.125% | $920,000 | 13.5% |
| FINANCE OF AMERICA REVERSE LLC | 62 | 8.740% | $485,000 | 10.1% |
| THE LOAN STORE, INC. | 56 | 6.375% | $590,000 | 8.7% |
| PNC Bank, National Association | 54 | 5.990% | $695,000 | 25.0% |
| BETTER MORTGAGE CORPORATION | 53 | 6.250% | $675,000 | 21.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 53 | 6.375% | $565,000 | 1.8% |
| Sound Credit Union | 52 | 7.290% | $125,000 | 34.6% |
| NexBank | 45 | 5.875% | $895,000 | 19.3% |
| Charles Schwab Bank, SSB | 44 | 5.375% | $1,385,000 | 6.4% |
| NBKC BANK | 43 | 6.000% | $675,000 | 26.7% |
| Genesis Capital, LLC | 41 | 8.950% | $2,345,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 39 | 5.875% | $515,000 | 15.2% |
| 1st Security Bank of Washington | 38 | 6.375% | $700,000 | 2.6% |
| ALLIANT CREDIT UNION | 36 | 7.875% | $240,000 | 17.4% |
| City National Bank | 36 | 5.383% | $1,405,000 | 5.3% |
| NFM, INC. | 35 | 6.490% | $755,000 | 0.0% |
| Broker Solutions, Inc. | 33 | 6.250% | $665,000 | 8.3% |
| LAKEVIEW LOAN SERVICING, LLC | 31 | 5.990% | $605,000 | 68.9% |
| Paramount Residential Mortgage Group, Inc. | 30 | 6.125% | $675,000 | 0.0% |
| Washington Trust Bank | 29 | 7.500% | $640,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 25 | 6.375% | $535,000 | 10.7% |
| PHH Mortgage Corporation | 24 | 5.625% | $515,000 | 7.1% |
| LONGBRIDGE FINANCIAL, LLC | 24 | 6.125% | $475,000 | 13.8% |
| Northpointe Bank | 22 | 6.063% | $645,000 | 0.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 21 | 6.740% | $425,000 | 41.7% |
| Morgan Stanley Private Bank, National Association | 21 | 5.725% | $975,000 | 8.0% |
| SPRING EQ, LLC | 20 | 9.388% | $150,000 | 46.3% |
| Farmers Bank & Trust | 20 | 6.063% | $740,000 | 0.0% |
| CONVENTUS LLC | 20 | 9.240% | $745,000 | 0.0% |
| Navy Federal Credit Union | 18 | 6.063% | $630,000 | 26.9% |
| Banner Bank | 18 | 7.990% | $345,000 | 38.7% |
| PRIORITY HOME LENDING, LLC | 18 | 6.188% | $540,000 | 0.0% |
| Zions Bancorporation, N.A. | 17 | 5.625% | $965,000 | 3.5% |
| East West Bank | 17 | 6.500% | $515,000 | 18.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 6.125% | $630,000 | 20.0% |
| KIND LENDING, LLC | 16 | 6.875% | $575,000 | 44.4% |
| QUALSTAR CREDIT UNION | 16 | 6.740% | $165,000 | 25.0% |
| LOWER, LLC | 16 | 6.625% | $665,000 | 10.5% |
| SmartFi Home Loans, LLC | 16 | 7.865% | $475,000 | 0.0% |
| A&D Mortgage LLC | 15 | 6.125% | $645,000 | 11.1% |
| MEMBER FIRST MORTGAGE, LLC | 15 | 5.625% | $835,000 | 23.8% |
| United Nations Federal Credit Union | 15 | 5.500% | $915,000 | 6.3% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 15 | 6.125% | $475,000 | 5.6% |
| Heritage Bank | 15 | 7.740% | $405,000 | 15.8% |
| Mortgage Research Center, LLC | 14 | 5.688% | $495,000 | 61.1% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.750% | $405,000 | 39.1% |
| Bethpage Federal Credit Union | 14 | 7.245% | $390,000 | 44.0% |
| SCENIC OAKS FUNDING, LLC | 14 | 6.125% | $755,000 | 0.0% |
| MLD MORTGAGE INC. | 14 | 6.063% | $650,000 | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 13 | 7.375% | $525,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 13 | 6.625% | $425,000 | 7.1% |
| PLANET HOME LENDING, LLC | 13 | 5.750% | $555,000 | 7.1% |
| GUIDANCE RESIDENTIAL, LLC | 12 | 6.125% | $615,000 | 0.0% |
| VERITY | 12 | 7.990% | $185,000 | 29.4% |
| HomeTrust Bank | 12 | 8.500% | $505,000 | 7.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 11 | 5.500% | $565,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.625% | $655,000 | 26.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.750% | $535,000 | 0.0% |
| Lendage, LLC | 11 | 11.600% | $155,000 | 14.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 11 | 6.125% | $725,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.813% | $605,000 | 14.8% |
| Bison State Bank | 10 | 5.813% | $570,000 | 0.0% |
| CLEAREDGE LENDING LLC | 10 | 6.625% | $540,000 | 23.1% |
| GEORGIA'S OWN | 10 | 8.125% | $690,000 | 16.7% |
| HIGHTECHLENDING INC | 10 | 6.933% | $470,000 | 0.0% |
| Luminate Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 9 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECTORS MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Service Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Goldman Sachs Bank USA | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| FOUNDATION MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 31.3% |
| IDAHO CENTRAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 8.3% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Strong Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 57.1% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| American Continental Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 84.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SALAL Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Peoples Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KITSAP Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BERKELEY POINT CAPITAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Kitsap Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FED BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EXPRESS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| WHATCOM EDUCATIONAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 195 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for King County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.