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Clark County, Washington · 2025

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

429 lenders acted on 20,732 mortgage applications for properties in Clark County in 2025. 15.4% were denied (Washington: 15.7%). Median rate on closed loans 6.63%; median loan $325,000; median property value $565,000.

21kApplications
15.4%Denial ratestate 15.7%
6.63%Median ratestate 6.63%
$325,000Median loan
$565,000Median property value

Largest lenders in Clark County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Columbia Community Credit Union B 1,687998 27.0%5.24%
2 iQ Credit Union B 1,396942 18.5%7.25%
3 United Shore Financial Services B 1,150894 9.5%6.38%
4 Rocket Mortgage C 838633 13.0%6.75%
5 Onpoint Community Credit Union B 827561 16.4%7.50%
6 Guild Mortgage A 771520 3.2%6.63%
7 CMG Mortgage A 654452 3.2%6.63%
8 U.S. Bank D 560268 31.8%7.70%
9 Dhi Mortgage Company B 364267 5.8%5.38%
10 Bank of America F 363176 29.5%6.24%
11 Pennymac Loan Services C 359214 7.5%6.50%
12 Guaranteed Rate B 350229 2.0%6.50%
13 Fairway Independent Mortgage B 325229 2.5%6.56%
14 Newrez D 312142 15.4%6.56%
15 Spring Eq D 297109 48.2%9.20%
16 Umpqua Bank C 282174 27.3%8.25%
17 American Pacific Mortgage C 266197 3.4%6.63%
18 Loandepot.Com D 254153 21.7%6.50%
19 Summit Mortgage B 243153 2.1%6.38%
20 JPMorgan Chase Bank B 232136 13.4%6.43%
21 Freedom Mortgage B 22685 8.0%6.00%
22 Evergreen Moneysource Mortgage B 219168 1.4%6.88%
23 Clm Mortgage A 210183 0.5%5.49%
24 Navy Federal Credit Union D 210107 16.7%7.75%
25 Union Home Mortgage B 195125 5.6%6.50%

Best approval odds in Clark County

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

#LenderDecidedDecision denial rate
1Sunflower Bank590.0%
2Clm Mortgage1930.5%
3Cornerstone Capital Bank1490.7%
4Coastal Community Bank1031.0%
5Mortgage Express741.4%
6Evergreen Moneysource Mortgage1891.6%
7Movement Mortgage1241.6%
8Nations Direct Mortgage1732.3%
9Guaranteed Rate2382.9%
10Paramount Residential Mortgage Group673.0%

What Clark County borrowers applied for

By loan purpose

Home purchase 8,602 41% · 6.2% denied
Refinance 3,464 17% · 15.1% denied
Cash-out refinance 2,971 14% · 18.1% denied
Home improvement 2,603 13% · 25.8% denied
Other / HELOC 3,092 15% · 29.7% denied

By loan type

Conventional 17,203 83% · 16.0% denied
FHA 2,153 10% · 13.7% denied
VA 1,363 7% · 9.4% denied
USDA / RHS 13 0% · 15.4% denied

Why applications were denied

Debt-to-income ratio 1,084 34%
Other 569 18%
Credit history 540 17%
Collateral 407 13%
Incomplete application 375 12%
Unverifiable information 143 4%
Insufficient cash 44 1%
Employment history 17 1%

Clark County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,12310,27718.5%6.99%$255,000
202418,43511,32617.1%6.88%$305,000
202520,73212,78815.4%6.63%$325,000

Frequently asked questions

15.4% of applications in Clark County were denied in 2025, against 15.7% statewide in Washington.

Columbia Community Credit Union, with 1,687 applications in 2025 and a denial rate of 27.0%.

The median mortgage application in Clark County in 2025 was for $325,000; the median property value on originated loans was $565,000.