Refinancing lenders in Snohomish County
4,132 refinancing mortgages were made in Snohomish County, Washington, in 2025, by 312 lenders. The median rate their borrowers got was 6.095% on a median loan of $505,000. Of 5,338 decisions, 998 were denials — 18.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Boeing Employees Credit Union | 898 | 6.000% | $175,000 | 25.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 460 | 5.990% | $635,000 | 9.1% |
| Rocket Mortgage, LLC | 243 | 5.875% | $585,000 | 19.2% |
| Bank of America, National Association | 155 | 5.990% | $365,000 | 26.3% |
| U.S. Bank National Association | 137 | 5.875% | $805,000 | 9.1% |
| CMG MORTGAGE, INC. | 112 | 6.625% | $540,000 | 14.2% |
| PENNYMAC LOAN SERVICES, LLC | 100 | 5.990% | $610,000 | 9.6% |
| MOVEMENT MORTGAGE, LLC | 100 | 6.125% | $595,000 | 1.8% |
| JPMorgan Chase Bank, National Association | 90 | 5.933% | $660,000 | 5.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 78 | 6.245% | $570,000 | 3.7% |
| NEWREZ LLC | 73 | 6.125% | $565,000 | 15.7% |
| GUILD MORTGAGE COMPANY | 72 | 6.433% | $565,000 | 1.3% |
| FREEDOM MORTGAGE CORPORATION | 65 | 6.000% | $565,000 | 4.4% |
| Global Federal Credit Union | 58 | 5.750% | $805,000 | 4.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 41 | 6.375% | $375,000 | 8.9% |
| CORNERSTONE CAPITAL BANK, SSB | 40 | 6.250% | $545,000 | 0.0% |
| GUARANTEED RATE, INC. | 39 | 6.250% | $615,000 | 4.9% |
| Loandepot.Com, LLC | 39 | 5.750% | $575,000 | 19.2% |
| SAMMAMISH MORTGAGE COMPANY | 39 | 6.125% | $535,000 | 2.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 38 | 6.125% | $620,000 | 11.4% |
| Fairway Independent Mortgage Corporation | 36 | 6.490% | $610,000 | 9.8% |
| Citibank, National Association | 34 | 5.625% | $945,000 | 5.6% |
| Third Federal Savings and Loan Association of Cleveland | 34 | 6.990% | $290,000 | 38.6% |
| Umpqua Bank | 33 | 8.250% | $325,000 | 31.4% |
| KeyBank National Association | 32 | 6.000% | $645,000 | 37.3% |
| General Mortgage Capital Corporation | 31 | 5.990% | $565,000 | 0.0% |
| THE LOAN STORE, INC. | 30 | 6.375% | $515,000 | 8.3% |
| Wells Fargo Bank, National Association | 28 | 5.688% | $955,000 | 17.7% |
| FINANCE OF AMERICA REVERSE LLC | 28 | 6.813% | $300,000 | 3.5% |
| Sound Credit Union | 26 | 7.375% | $145,000 | 26.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 25 | 6.500% | $455,000 | 3.6% |
| Paramount Residential Mortgage Group, Inc. | 25 | 6.875% | $695,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 24 | 5.935% | $695,000 | 7.1% |
| NATIONSTAR MORTGAGE LLC | 23 | 5.990% | $555,000 | 25.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 22 | 6.250% | $525,000 | 8.3% |
| OriginPoint, LLC | 20 | 6.400% | $685,000 | 9.1% |
| NFM, INC. | 20 | 6.433% | $530,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.125% | $565,000 | 66.7% |
| BETTER MORTGAGE CORPORATION | 19 | 6.375% | $525,000 | 34.5% |
| NexBank | 19 | 5.875% | $595,000 | 16.0% |
| LONGBRIDGE FINANCIAL, LLC | 19 | 8.750% | $335,000 | 4.2% |
| PHH Mortgage Corporation | 18 | 5.875% | $710,000 | 5.3% |
| Broker Solutions, Inc. | 16 | 6.125% | $570,000 | 11.1% |
| Northpointe Bank | 15 | 6.125% | $605,000 | 6.3% |
| Mortgage Research Center, LLC | 14 | 5.875% | $660,000 | 54.8% |
| Zions Bancorporation, N.A. | 14 | 5.500% | $695,000 | 8.7% |
| ALLIANT CREDIT UNION | 14 | 8.375% | $185,000 | 26.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 14 | 5.893% | $835,000 | 6.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 14 | 6.125% | $885,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 5.990% | $535,000 | 8.7% |
| Farmers Bank & Trust | 13 | 5.990% | $665,000 | 0.0% |
| SPRING EQ, LLC | 12 | 9.938% | $160,000 | 53.3% |
| LOWER, LLC | 12 | 6.375% | $680,000 | 20.0% |
| NBKC BANK | 12 | 6.000% | $605,000 | 7.7% |
| PNC Bank, National Association | 11 | 5.990% | $315,000 | 33.3% |
| PLANET HOME LENDING, LLC | 11 | 5.750% | $585,000 | 21.4% |
| QUALSTAR CREDIT UNION | 10 | 7.365% | $150,000 | 26.7% |
| A&D Mortgage LLC | 10 | 5.813% | $605,000 | 8.3% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 50.0% |
| 1st Security Bank of Washington | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 8.3% |
| PRIORITY HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 71.4% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Banner Bank | 7 | Under 10 loans | Under 10 loans | 55.6% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 8.3% |
| Heritage Bank | 7 | Under 10 loans | Under 10 loans | 38.5% |
| LADERA LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 41.7% |
| Peoples Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| UIF CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Bison State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SALAL Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITY | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HomeStreet Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NorthWest Plus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPOKANE TEACHERS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KITSAP Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S CREDIT UNION, A | 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% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTH COAST CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 62.5% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Seattle Metropolitan Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OREGON COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Continental Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RED CANOE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | 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 112 lenders each made 1 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.