Largest lenders in Adams County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Spokane Teachers | D | 58 | 25 | 27.6% | 6.13% |
| 2 | Guild Mortgage | A | 47 | 33 | 6.4% | 6.56% |
| 3 | United Shore Financial Services | B | 36 | 22 | 22.2% | 6.19% |
| 4 | Gesa | D | 32 | 20 | 25.0% | 7.31% |
| 5 | Rocket Mortgage | C | 23 | 13 | 30.4% | 6.75% |
| 6 | U.S. Bank | D | 21 | 12 | 38.1% | 7.75% |
| 7 | Umpqua Bank | C | 17 | 14 | 11.8% | 7.38% |
| 8 | Pennymac Loan Services | C | 15 | 6 | 20.0% | 7.93% |
| 9 | AmeriSave Mortgage | D | 14 | 4 | 64.3% | 6.13% |
| 10 | Financial Funding Solutions | A | 14 | 13 | 0.0% | 6.25% |
| 11 | 1st Security Bank of Washington | B | 12 | 11 | 0.0% | 5.63% |
| 12 | Numerica Credit Union | D | 10 | 3 | 50.0% | 7.75% |
| 13 | Fairway Independent Mortgage | B | 9 | 4 | 11.1% | 6.99% |
| 14 | Loandepot.Com | D | 9 | 5 | 22.2% | 5.99% |
| 15 | Hapo Community Credit Union | D | 8 | 2 | 62.5% | 7.06% |
| 16 | Freedom Mortgage | B | 7 | 1 | 0.0% | 5.75% |
| 17 | Village Capital & Investment | C | 6 | 3 | 0.0% | 5.99% |
| 18 | Nationstar Mortgage | C | 6 | 4 | 0.0% | 7.19% |
| 19 | Mortgage Research Center | C | 6 | 4 | 16.7% | 6.12% |
| 20 | CMG Mortgage | A | 5 | 4 | 0.0% | 6.50% |
| 21 | Newrez | D | 5 | 3 | 0.0% | 6.38% |
| 22 | Idaho Central Credit Union | A | 5 | 2 | 0.0% | 7.50% |
| 23 | Coastal Community Bank | C | 5 | 1 | 0.0% | 14.99% |
| 24 | Washington State Employees Credit Union | D | 5 | 1 | 20.0% | 6.58% |
What Adams County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Adams County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 420 | 228 | 23.8% | 7.00% | $180,000 |
| 2024 | 507 | 265 | 22.1% | 6.88% | $195,000 |
| 2025 | 504 | 269 | 19.8% | 6.50% | $235,000 |
Frequently asked questions
19.8% of applications in Adams County were denied in 2025, against 15.7% statewide in Washington.
Spokane Teachers, with 58 applications in 2025 and a denial rate of 27.6%.
The median mortgage application in Adams County in 2025 was for $235,000; the median property value on originated loans was $345,000.