Largest lenders in Pacific County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 83 | 66 | 10.8% | 6.44% |
| 2 | Rocket Mortgage | C | 83 | 57 | 19.3% | 6.75% |
| 3 | Guild Mortgage | A | 46 | 31 | 4.4% | 6.63% |
| 4 | Crosscountry Mortgage | B | 35 | 21 | 2.9% | 6.63% |
| 5 | Residential Mortgage | B | 30 | 23 | 0.0% | 6.50% |
| 6 | Mortgage Research Center | C | 26 | 13 | 15.4% | 6.50% |
| 7 | Fibre | C | 23 | 15 | 30.4% | 8.50% |
| 8 | Freedom Mortgage | B | 23 | 13 | 8.7% | 6.25% |
| 9 | Boeing Employees Credit Union | B | 23 | 14 | 17.4% | 7.12% |
| 10 | KeyBank | C | 21 | 8 | 42.9% | 6.94% |
| 11 | Newrez | D | 21 | 7 | 9.5% | 6.13% |
| 12 | Loandepot.Com | D | 21 | 10 | 42.9% | 6.43% |
| 13 | Pennymac Loan Services | C | 20 | 11 | 15.0% | 6.13% |
| 14 | Twinstar | D | 18 | 6 | 44.4% | 7.50% |
| 15 | Evergreen Moneysource Mortgage | B | 18 | 15 | 5.6% | 7.13% |
| 16 | Navy Federal Credit Union | D | 18 | 4 | 27.8% | 8.00% |
| 17 | Guaranteed Rate | B | 14 | 10 | 0.0% | 6.69% |
| 18 | First Interstate Bank | D | 14 | 7 | 35.7% | 8.63% |
| 19 | AmeriSave Mortgage | D | 13 | 3 | 69.2% | 5.63% |
| 20 | Washington State Employees Credit Union | D | 13 | 5 | 46.2% | 6.99% |
| 21 | Bank of America | F | 12 | 9 | 0.0% | 5.99% |
| 22 | U.S. Bank | D | 12 | 9 | 16.7% | 7.15% |
| 23 | Mutual of Omaha Mortgage | C | 11 | 7 | 18.2% | 6.25% |
| 24 | Fairway Independent Mortgage | B | 11 | 6 | 18.2% | 6.88% |
| 25 | Onpoint Community Credit Union | B | 11 | 7 | 27.3% | 6.13% |
Best approval odds in Pacific County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 76 | 11.8% |
| 2 | Rocket Mortgage | 75 | 21.3% |
What Pacific County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Pacific County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 882 | 525 | 16.8% | 6.88% | $215,000 |
| 2024 | 1,015 | 596 | 17.9% | 6.93% | $225,000 |
| 2025 | 1,103 | 652 | 17.5% | 6.75% | $235,000 |
Frequently asked questions
17.5% of applications in Pacific County were denied in 2025, against 15.7% statewide in Washington.
United Shore Financial Services, with 83 applications in 2025 and a denial rate of 10.8%.
The median mortgage application in Pacific County in 2025 was for $235,000; the median property value on originated loans was $375,000.