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Grant County, Washington · 2025

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

208 lenders acted on 3,464 mortgage applications for properties in Grant County in 2025. 18.3% were denied (Washington: 15.7%). Median rate on closed loans 6.63%; median loan $245,000; median property value $385,000.

3.5kApplications
18.3%Denial ratestate 15.7%
6.63%Median ratestate 6.63%
$245,000Median loan
$385,000Median property value

Largest lenders in Grant County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 332243 6.3%6.63%
2 Movement Mortgage A 226172 6.2%6.63%
3 Rocket Mortgage C 199150 17.6%6.75%
4 CMG Mortgage A 172137 3.5%6.38%
5 Gesa D 166106 21.7%7.25%
6 United Shore Financial Services B 148103 17.6%6.05%
7 Spokane Teachers D 13170 28.2%6.38%
8 Washington Trust Bank D 11171 24.3%7.75%
9 Horizon Federally Insured State-Chartered Credit Union C 10469 26.0%4.99%
10 U.S. Bank D 10148 37.6%7.16%
11 Banner Bank D 8744 28.7%7.00%
12 Freedom Mortgage B 6926 11.6%6.25%
13 Umpqua Bank C 5430 24.1%7.63%
14 Numerica Credit Union D 5018 50.0%7.25%
15 Mortgage Research Center C 4923 16.3%6.25%
16 Pennymac Loan Services C 4823 27.1%6.12%
17 Boeing Employees Credit Union B 4723 34.0%6.49%
18 1st Security Bank of Washington B 4541 0.0%6.06%
19 JPMorgan Chase Bank B 4433 9.1%6.63%
20 Crosscountry Mortgage B 4427 0.0%6.63%
21 Evergreen Moneysource Mortgage B 4034 2.5%6.81%
22 Loandepot.Com D 3923 20.5%6.88%
23 AmeriSave Mortgage D 388 65.8%8.06%
24 Triad Financial Services D 3617 30.6%8.73%
25 Glacier Bank D 3419 14.7%6.38%

Best approval odds in Grant County

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

#LenderDecidedDecision denial rate
1CMG Mortgage1553.9%
2Movement Mortgage1987.1%
3Guild Mortgage2737.7%
4Rocket Mortgage18918.5%
5United Shore Financial Services13219.7%
6Gesa14325.2%
7Horizon Federally Insured State-Chartered Credit Union10027.0%
8Washington Trust Bank9827.6%
9Spokane Teachers10834.3%
10Banner Bank7135.2%

What Grant County borrowers applied for

By loan purpose

Home purchase 1,631 47% · 9.9% denied
Refinance 457 13% · 15.5% denied
Cash-out refinance 645 19% · 23.1% denied
Home improvement 327 9% · 33.3% denied
Other / HELOC 404 12% · 35.4% denied

By loan type

Conventional 2,477 72% · 19.7% denied
FHA 646 19% · 16.3% denied
VA 281 8% · 12.8% denied
USDA / RHS 60 2% · 10.0% denied

Why applications were denied

Debt-to-income ratio 194 31%
Credit history 124 20%
Collateral 110 17%
Incomplete application 86 14%
Other 68 11%
Unverifiable information 20 3%
Insufficient cash 19 3%
Employment history 10 2%
Mortgage insurance denied 1 0%

Grant County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,7211,57820.9%7.00%$215,000
20243,0991,83220.2%6.94%$215,000
20253,4642,07518.3%6.63%$245,000

Frequently asked questions

18.3% of applications in Grant County were denied in 2025, against 15.7% statewide in Washington.

Guild Mortgage, with 332 applications in 2025 and a denial rate of 6.3%.

The median mortgage application in Grant County in 2025 was for $245,000; the median property value on originated loans was $385,000.