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Chelan County, Washington · 2025

Mortgage lenders in Chelan County, WA: denial rates and top lenders (2025)

233 lenders acted on 2,952 mortgage applications for properties in Chelan County in 2025. 17.7% were denied (Washington: 15.7%). Median rate on closed loans 6.75%; median loan $315,000; median property value $565,000.

3.0kApplications
17.7%Denial ratestate 15.7%
6.75%Median ratestate 6.63%
$315,000Median loan
$565,000Median property value

Largest lenders in Chelan County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Numerica Credit Union D 245132 34.3%8.00%
2 Rocket Mortgage C 145103 21.4%6.88%
3 Evergreen Moneysource Mortgage B 145111 1.4%6.63%
4 Banner Bank D 14378 23.1%6.75%
5 Boeing Employees Credit Union B 12884 21.1%6.06%
6 United Shore Financial Services B 11488 11.4%6.45%
7 Gesa D 11373 21.2%7.25%
8 Guild Mortgage A 11073 1.8%6.56%
9 Glacier Bank D 10172 13.9%6.63%
10 Cashmere Valley Bank B 10070 11.0%—
11 Peoples Bank C 10051 22.0%7.25%
12 Movement Mortgage A 7451 5.4%6.99%
13 Crosscountry Mortgage B 6845 4.4%6.88%
14 Gold Star Mortgage Financial Group C 5433 3.7%6.93%
15 Newrez D 5124 11.8%6.56%
16 U.S. Bank D 4925 30.6%6.88%
17 Loandepot.Com D 4430 20.5%6.43%
18 Washington Trust Bank D 4320 34.9%7.63%
19 Pennymac Loan Services C 3917 18.0%6.38%
20 CMG Mortgage A 3927 5.1%6.75%
21 Primelending, a Plainscapital A 3522 2.9%5.99%
22 JPMorgan Chase Bank B 3324 9.1%6.56%
23 Freedom Mortgage B 319 3.2%6.00%
24 Guaranteed Rate B 2716 3.7%6.63%
25 Mortgage Research Center C 279 18.5%6.25%

Best approval odds in Chelan County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Evergreen Moneysource Mortgage1251.6%
2Guild Mortgage782.6%
3Movement Mortgage616.6%
4Cashmere Valley Bank9811.2%
5United Shore Financial Services10312.6%
6Glacier Bank8616.3%
7Rocket Mortgage13922.3%
8Boeing Employees Credit Union11623.3%
9Gesa9724.7%
10Banner Bank11329.2%

What Chelan County borrowers applied for

By loan purpose

Home purchase 1,288 44% · 9.1% denied
Refinance 410 14% · 15.1% denied
Cash-out refinance 563 19% · 22.4% denied
Home improvement 386 13% · 33.2% denied
Other / HELOC 305 10% · 29.5% denied

By loan type

Conventional 2,531 86% · 18.6% denied
FHA 267 9% · 12.4% denied
VA 151 5% · 12.6% denied
USDA / RHS 3 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 222 43%
Collateral 87 17%
Incomplete application 66 13%
Credit history 64 13%
Other 32 6%
Unverifiable information 27 5%
Insufficient cash 9 2%
Employment history 4 1%

Chelan County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,2961,32719.1%7.13%$290,000
20242,5071,44219.8%7.00%$305,000
20252,9521,73817.7%6.75%$315,000

Frequently asked questions

17.7% of applications in Chelan County were denied in 2025, against 15.7% statewide in Washington.

Numerica Credit Union, with 245 applications in 2025 and a denial rate of 34.3%.

The median mortgage application in Chelan County in 2025 was for $315,000; the median property value on originated loans was $565,000.