Adams County, WA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 444 mortgage applications in Adams County, WA totaling $90.0 million, down 40% from 2022. The average application was for $202,000, and applicants reported an average income of $105,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Spokane Teachers Credit Union, with 42 applications, followed by Guild Mortgage Company and US Bank, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 444 |
| Total Mortgage Loan Application Amount | $90,030,000 |
| Average Mortgage Loan Application Amount | $202,000 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $1,200,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ 5,625,825,000 | 42 | $ 6,610,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 35 | $ 8,715,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 30 | $ 3,790,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 31,844,724,000 | 24 | $ 3,650,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ 5,594,015,000 | 23 | $ 4,335,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 3,779,393,000 | 16 | $ 2,120,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 3,960,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 13 | $ 4,565,000 |
| Wheatland Bank 222 N WALL ST SUITE #100 SPOKANE, WA 99201 |
* | $ 716,176,000 | 11 | $ 2,415,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 11 | $ 2,965,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 9 | $ 765,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 8 | $ 2,290,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 8 | $ 1,590,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 8 | $ 2,370,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 28,780,644,000 | 6 | $ 830,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 5 | $ 1,625,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 2,076,980,000 | 5 | $ 515,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 1,385,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 10,412,724,000 | 5 | $ 615,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 785,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 555,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 755,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 15,821,645,000 | 5 | $ 1,415,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 770,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 1,520,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 1,220,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 1,170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 4 | $ 1,000,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 3 | $ 395,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 555,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 595,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 355,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 665,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 3 | $ 715,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 535,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 825,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 3 | $ 905,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 440,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 130,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 400,000 |
| Tri-Cities Community Federalcu 3213 W 19TH AVE KENNEWICK, WA 99337 |
* | $ 70,094,000 | 2 | $ 260,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 290,000 |
| Cake Mortgage Corp. 9200 OAKDALE AVE STE 501 CHATSWORTH, CA 91311 |
* | $ -1,000 | 2 | $ 790,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 390,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 710,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 11,844,793,000 | 2 | $ 150,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 110,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 390,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 410,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 2 | $ 300,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 350,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 350,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 490,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ -1,000 | 2 | $ 340,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 9,744,391,000 | 2 | $ 380,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 370,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 2 | $ 530,000 |
| Columbia Credit Union PO BOX 324 VANCOUVER, WA 98666 |
* | $ 2,296,502,000 | 1 | $ 35,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 1 | $ 135,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 315,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ 890,181,000 | 1 | $ 145,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 2,020,815,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 245,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 135,000 |
| Hapo Communtiy Credit Union 4 N UNION ST RICHLAND, WA 99354 |
* | $ 2,335,413,000 | 1 | $ 85,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 225,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 635,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 245,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 445,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ 4,932,136,000 | 1 | $ 105,000 |
| Qualstar Credit Union PO BOX 3050 BOTHELL, WA 98041 |
* | $ 773,091,000 | 1 | $ 195,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ -1,000 | 1 | $ 95,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 215,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 485,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 265,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 225,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 1 | $ 235,000 |
| Iq Credit Union 1313 MAIN STREET VANCOUVER, WA 98660 |
* | $ 2,006,138,000 | 1 | $ 15,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 305,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 255,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 55,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 65,000 |
| Sammamish Mortgage Company 3015 112TH AVE NE STE 214 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 285,000 |
| Shelter Growth Capital Partners LLC 750 WASHINGTON BLVD WILMINGTON, DE 06901 |
* | $ -1,000 | 1 | $ 165,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 2,703,475,000 | 1 | $ 115,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 35,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 125,000 |
| Notre Dame Federal Credit Union P.O. BOX 7878 NOTRE DAME, IN 46556 |
* | $ 1,101,839,000 | 1 | $ 55,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 715,000 |
| Greenbox Loans 3250 WILSHIRE BLVD., SUITE 1900 LOS ANGELES, CA 90010 |
* | $ -1,000 | 1 | $ 155,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 265,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 185,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ -1,000 | 1 | $ 405,000 |
The tables below break down 2023 mortgage applications in Adams County, WA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Adams County, WA in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 195 | $51,995,000 | $266,000 | $725,000 | $105,000 | $768,000 |
| Cash-out Refinancing | 98 | $21,040,000 | $214,000 | $605,000 | $94,000 | $413,000 |
| Other Purpose | 68 | $6,470,000 | $95,000 | $505,000 | $111,000 | $1,200,000 |
| Home Improvement | 54 | $3,970,000 | $73,000 | $255,000 | $112,000 | $302,000 |
| Refinancing | 29 | $6,555,000 | $226,000 | $2,005,000 | $111,000 | $299,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 193 | $40,085,000 | $207,000 | $715,000 | $106,000 | $768,000 |
| White | 151 | $28,715,000 | $190,000 | $725,000 | $104,000 | $1,200,000 |
| Not Provided | 58 | $10,280,000 | $177,000 | $575,000 | $105,000 | $413,000 |
| Not applicable | 27 | $8,815,000 | $326,000 | $2,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $1,030,000 | $128,000 | $325,000 | $93,000 | $141,000 |
| Asian | 3 | $425,000 | $141,000 | $235,000 | $69,000 | $99,000 |
| Black or African American | 2 | $270,000 | $135,000 | $255,000 | $49,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $305,000 | $305,000 | $305,000 | $180,000 | $180,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 324 | $57,290,000 | $176,000 | $2,005,000 | $110,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 97 | $26,375,000 | $271,000 | $485,000 | $88,000 | $232,000 |
| VA-guaranteed (Veterans Administration) | 19 | $5,315,000 | $279,000 | $475,000 | $86,000 | $177,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,050,000 | $262,000 | $295,000 | $97,000 | $121,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 227 | $51,975,000 | $228,000 | $2,005,000 | $107,000 | $302,000 |
| Application Denied By Financial Institution | 100 | $13,810,000 | $138,000 | $505,000 | $114,000 | $1,200,000 |
| Application Withdrawn By Applicant | 58 | $10,440,000 | $180,000 | $605,000 | $81,000 | $285,000 |
| File Closed For Incompleteness | 27 | $5,945,000 | $220,000 | $575,000 | $109,000 | $232,000 |
| Loan Purchased By The Institution | 24 | $6,250,000 | $260,000 | $475,000 | $0 | $0 |
| Application Approved But Not Accepted | 7 | $1,505,000 | $215,000 | $315,000 | $113,000 | $200,000 |
| Preapproval Denied by Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $24,000 | $24,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 340 | $75,710,000 | $222,000 | $2,005,000 | $102,000 | $302,000 |
| Credit History | 32 | $3,710,000 | $115,000 | $385,000 | $118,000 | $1,200,000 |
| Debt-To-Income Ratio | 28 | $4,100,000 | $146,000 | $325,000 | $100,000 | $259,000 |
| Credit Application Incomplete | 14 | $2,440,000 | $174,000 | $395,000 | $118,000 | $300,000 |
| Collateral | 10 | $970,000 | $97,000 | $255,000 | $97,000 | $187,000 |
| Other | 9 | $1,495,000 | $166,000 | $505,000 | $123,000 | $413,000 |
| Unverifiable Information | 9 | $1,295,000 | $143,000 | $275,000 | $161,000 | $768,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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