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Grays Harbor County, Washington · 2025

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

257 lenders acted on 3,398 mortgage applications for properties in Grays Harbor County in 2025. 15.2% were denied (Washington: 15.7%). Median rate on closed loans 6.75%; median loan $235,000; median property value $385,000.

3.4kApplications
15.2%Denial ratestate 15.7%
6.75%Median ratestate 6.63%
$235,000Median loan
$385,000Median property value

Largest lenders in Grays Harbor County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 296208 1.4%6.63%
2 Rocket Mortgage C 274184 23.0%6.69%
3 Twinstar D 181113 26.0%7.50%
4 United Shore Financial Services B 171117 13.5%6.12%
5 Boeing Employees Credit Union B 10369 25.2%6.88%
6 Mortgage Research Center C 8542 18.8%6.13%
7 Washington State Employees Credit Union D 8444 35.7%7.24%
8 Highlands Residential Mortgage B 7740 3.9%6.81%
9 Crosscountry Mortgage B 7451 4.1%6.69%
10 Broker Solutions D 6938 7.3%6.88%
11 Newrez D 6529 12.3%6.50%
12 Pennymac Loan Services C 6230 16.1%6.94%
13 Premier Mortgage Resources B 6045 0.0%6.50%
14 Movement Mortgage A 5846 3.5%6.75%
15 U.S. Bank D 5630 28.6%6.81%
16 1st Security Bank of Washington B 5436 11.1%6.93%
17 Timberland Bank D 5232 19.2%7.06%
18 CMG Mortgage A 5037 2.0%6.88%
19 Freedom Mortgage B 4819 6.3%6.25%
20 Evergreen Moneysource Mortgage B 4733 2.1%6.99%
21 Guaranteed Rate B 4624 4.4%6.50%
22 Navy Federal Credit Union D 4525 6.7%6.50%
23 AmeriSave Mortgage D 407 65.0%6.63%
24 Loandepot.Com D 4024 25.0%6.69%
25 Fairway Independent Mortgage B 3629 0.0%6.69%

Best approval odds in Grays Harbor County

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

#LenderDecidedDecision denial rate
1Guild Mortgage2411.7%
2Movement Mortgage543.7%
3Crosscountry Mortgage545.6%
4United Shore Financial Services14016.4%
5Rocket Mortgage25424.8%
6Boeing Employees Credit Union9627.1%
7Mortgage Research Center5827.6%
8Twinstar16328.8%
9Washington State Employees Credit Union7440.5%

What Grays Harbor County borrowers applied for

By loan purpose

Home purchase 1,506 44% · 6.4% denied
Refinance 505 15% · 14.5% denied
Cash-out refinance 714 21% · 19.5% denied
Home improvement 322 9% · 32.0% denied
Other / HELOC 351 10% · 29.6% denied

By loan type

Conventional 2,396 71% · 16.4% denied
FHA 547 16% · 12.3% denied
VA 436 13% · 12.4% denied
USDA / RHS 19 1% · 10.5% denied

Why applications were denied

Debt-to-income ratio 132 26%
Credit history 118 23%
Collateral 115 22%
Incomplete application 65 13%
Other 50 10%
Unverifiable information 16 3%
Insufficient cash 15 3%
Employment history 2 0%

Grays Harbor County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,9911,69919.2%7.00%$205,000
20243,1531,81218.1%6.99%$225,000
20253,3982,02715.2%6.75%$235,000

Frequently asked questions

15.2% of applications in Grays Harbor County were denied in 2025, against 15.7% statewide in Washington.

Guild Mortgage, with 296 applications in 2025 and a denial rate of 1.4%.

The median mortgage application in Grays Harbor County in 2025 was for $235,000; the median property value on originated loans was $385,000.