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Yakima County, Washington · 2025

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

257 lenders acted on 7,428 mortgage applications for properties in Yakima County in 2025. 19.9% were denied (Washington: 15.7%). Median rate on closed loans 6.75%; median loan $215,000; median property value $375,000.

7.4kApplications
19.9%Denial ratestate 15.7%
6.75%Median ratestate 6.63%
$215,000Median loan
$375,000Median property value

Largest lenders in Yakima County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 CMG Mortgage A 1,071858 2.1%6.63%
2 Solarity Credit Union F 447236 31.5%7.75%
3 Rocket Mortgage C 378241 22.5%6.75%
4 Gesa D 320189 25.9%7.50%
5 Broker Solutions D 308192 3.9%6.63%
6 Yakima Federal Savings and Loan Association B 266189 11.3%6.50%
7 Synergy One Lending C 230164 7.0%6.63%
8 American Pacific Mortgage C 228175 7.5%6.75%
9 U.S. Bank D 19482 42.3%7.16%
10 United Shore Financial Services B 185122 16.2%6.12%
11 Washington State Employees Credit Union D 18279 49.5%7.24%
12 Banner Bank D 16982 38.5%6.88%
13 Crosscountry Mortgage B 14896 3.4%6.60%
14 Hapo Community Credit Union D 13959 34.5%7.50%
15 Newrez D 13746 16.1%7.93%
16 Triad Financial Services D 13028 36.9%8.95%
17 Guild Mortgage A 12393 4.1%6.75%
18 BMO Bank F 10732 50.5%9.03%
19 Freedom Mortgage B 10444 4.8%6.19%
20 KeyBank C 9439 39.4%6.50%
21 Pennymac Loan Services C 8932 15.7%8.06%
22 Mortgage Research Center C 8739 24.1%6.25%
23 Loandepot.Com D 8748 31.0%7.13%
24 Spring Eq D 6719 56.7%8.68%
25 Vanderbilt Mortgage and Finance F 672 29.9%9.55%

Best approval odds in Yakima County

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

#LenderDecidedDecision denial rate
1CMG Mortgage9722.3%
2Crosscountry Mortgage1074.7%
3Guild Mortgage1064.7%
4Broker Solutions2125.7%
5American Pacific Mortgage1928.9%
6Synergy One Lending1808.9%
7Freedom Mortgage539.4%
8Yakima Federal Savings and Loan Association22713.2%
9JPMorgan Chase Bank5215.4%
10United Shore Financial Services15519.4%

What Yakima County borrowers applied for

By loan purpose

Home purchase 3,211 43% · 8.7% denied
Refinance 923 12% · 17.8% denied
Cash-out refinance 1,592 21% · 24.1% denied
Home improvement 711 10% · 37.1% denied
Other / HELOC 991 13% · 39.3% denied

By loan type

Conventional 5,315 72% · 23.0% denied
FHA 1,382 19% · 13.7% denied
VA 469 6% · 14.1% denied
USDA / RHS 262 4% · 1.5% denied

Why applications were denied

Debt-to-income ratio 522 35%
Credit history 328 22%
Collateral 211 14%
Incomplete application 196 13%
Other 134 9%
Unverifiable information 53 4%
Insufficient cash 22 1%
Employment history 12 1%
Mortgage insurance denied 1 0%

Yakima County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,4822,97323.7%6.99%$205,000
20246,2723,58321.8%6.88%$215,000
20257,4284,22619.9%6.75%$215,000

Frequently asked questions

19.9% of applications in Yakima County were denied in 2025, against 15.7% statewide in Washington.

CMG Mortgage, with 1,071 applications in 2025 and a denial rate of 2.1%.

The median mortgage application in Yakima County in 2025 was for $215,000; the median property value on originated loans was $375,000.