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Cowlitz County, Washington · 2025

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

261 lenders acted on 5,310 mortgage applications for properties in Cowlitz County in 2025. 14.4% were denied (Washington: 15.7%). Median rate on closed loans 6.88%; median loan $275,000; median property value $445,000.

5.3kApplications
14.4%Denial ratestate 15.7%
6.88%Median ratestate 6.63%
$275,000Median loan
$445,000Median property value

Largest lenders in Cowlitz County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Fibre C 701466 25.8%7.50%
2 Guild Mortgage A 481312 2.3%6.75%
3 Red Canoe Credit Union B 384255 9.4%7.50%
4 Rocket Mortgage C 281193 17.4%6.50%
5 United Shore Financial Services B 271193 12.6%6.13%
6 DAS Acquisition Company B 163122 4.9%6.63%
7 Fairway Independent Mortgage B 10481 2.9%6.75%
8 CMG Mortgage A 9768 3.1%6.63%
9 Columbia Community Credit Union B 9358 28.0%6.50%
10 U.S. Bank D 9241 32.6%7.20%
11 Mortgage Research Center C 8949 7.9%6.25%
12 Pennymac Loan Services C 8851 13.6%6.13%
13 iQ Credit Union B 8251 19.5%7.25%
14 Freedom Mortgage B 7826 10.3%6.25%
15 V.i.p. Mortgage B 7261 0.0%6.25%
16 Synergy One Lending C 7149 5.6%6.88%
17 Nations Direct Mortgage B 6243 3.2%6.37%
18 Umpqua Bank C 5844 12.1%7.38%
19 Evergreen Moneysource Mortgage B 5845 1.7%6.81%
20 Guaranteed Rate B 5737 3.5%6.50%
21 Spring Eq D 5716 49.1%8.59%
22 Newrez D 5627 12.5%6.75%
23 AmeriSave Mortgage D 5217 55.8%6.88%
24 American Pacific Mortgage C 4532 20.0%6.81%
25 Nationstar Mortgage C 4230 11.9%8.69%

Best approval odds in Cowlitz County

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

#LenderDecidedDecision denial rate
1V.i.p. Mortgage610.0%
2Evergreen Moneysource Mortgage502.0%
3Guild Mortgage3483.2%
4Fairway Independent Mortgage843.6%
5CMG Mortgage754.0%
6DAS Acquisition Company1355.9%
7Synergy One Lending537.6%
8Red Canoe Credit Union29612.2%
9Mortgage Research Center5712.3%
10Umpqua Bank5113.7%

What Cowlitz County borrowers applied for

By loan purpose

Home purchase 2,147 40% · 6.2% denied
Refinance 876 16% · 11.8% denied
Cash-out refinance 1,066 20% · 18.9% denied
Home improvement 570 11% · 21.4% denied
Other / HELOC 651 12% · 31.8% denied

By loan type

Conventional 3,810 72% · 15.9% denied
FHA 940 18% · 11.2% denied
VA 546 10% · 9.9% denied
USDA / RHS 14 0% · 14.3% denied

Why applications were denied

Debt-to-income ratio 267 35%
Credit history 140 18%
Collateral 120 16%
Other 83 11%
Incomplete application 83 11%
Unverifiable information 40 5%
Insufficient cash 27 4%
Employment history 5 1%

Cowlitz County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,2092,58016.5%7.00%$215,000
20244,4882,75316.5%7.13%$230,000
20255,3103,30214.4%6.88%$275,000

Frequently asked questions

14.4% of applications in Cowlitz County were denied in 2025, against 15.7% statewide in Washington.

Fibre, with 701 applications in 2025 and a denial rate of 25.8%.

The median mortgage application in Cowlitz County in 2025 was for $275,000; the median property value on originated loans was $445,000.