Garfield County, WA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 115 mortgage applications in Garfield County, WA totaling $22.9 million, up 35% from 2024. The average application was for $198,000, and applicants reported an average income of $104,000. 43% of applications resulted in an originated loan and 22% were denied. The most active lender was US Bank, N.A., with 13 applications, followed by Potlatch No 1 Financial Credit U and Mortgage Research Center.
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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 | 115 |
| Total Mortgage Loan Application Amount | $22,855,000 |
| Average Mortgage Loan Application Amount | $198,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $445,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 13 | $ 2,085,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ n/a | 8 | $ 1,050,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 7 | $ 1,435,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,320,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 905,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 4 | $ 710,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,690,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 680,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 855,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ n/a | 3 | $ 165,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 835,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 895,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 3 | $ 595,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 270,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 180,000 |
| Mortgage Express 10260 SW GREENBURG ROAD #830 PORTLAND, OR 97224 |
* | $ n/a | 2 | $ 710,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 440,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 460,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 180,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 1 | $ 105,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 225,000 |
| Twin River Bank 1507 G ST LEWISTON, ID 83501 |
* | $ n/a | 1 | $ 215,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 1 | $ 505,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 215,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 155,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 135,000 |
| Ennkar, Inc. 1036 W. TAFT AVENUE SUITE 200 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 245,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ n/a | 1 | $ 205,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE, SUITE 100 ANCHORAGE, AK 99503 |
* | $ n/a | 1 | $ 215,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 225,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 255,000 |
| Loanleaders of America, Inc 38 EXECUTIVE PARK, SUITE 260 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 125,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 375,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 1 | $ 15,000 |
| Freedom Northwest Credit Union 303 MAIN ST KAMIAH, ID 83536 |
* | $ n/a | 1 | $ 155,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 345,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 105,000 |
| Griffin Funding Inc. 2445 5TH AVE SUITE 401 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 135,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ n/a | 1 | $ 65,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 265,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 305,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 155,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 165,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ n/a | 1 | $ 265,000 |
The tables below break down 2025 mortgage applications in Garfield 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 Garfield County, WA in 2025
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 | 58 | $13,610,000 | $234,000 | $645,000 | $96,000 | $445,000 |
| Cash-out Refinancing | 18 | $2,830,000 | $157,000 | $355,000 | $107,000 | $186,000 |
| Other Purpose | 15 | $1,485,000 | $99,000 | $245,000 | $98,000 | $195,000 |
| Refinancing | 13 | $3,385,000 | $260,000 | $635,000 | $77,000 | $170,000 |
| Home Improvement | 11 | $1,545,000 | $140,000 | $355,000 | $154,000 | $286,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 81 | $15,785,000 | $194,000 | $645,000 | $105,000 | $445,000 |
| Not applicable | 14 | $3,290,000 | $235,000 | $375,000 | $107,000 | $112,000 |
| Not Provided | 13 | $2,275,000 | $175,000 | $285,000 | $112,000 | $195,000 |
| Hispanic | 4 | $980,000 | $245,000 | $315,000 | $90,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $295,000 | $295,000 | $295,000 | $103,000 | $103,000 |
| American Indian or Alaskan Native | 1 | $205,000 | $205,000 | $205,000 | $64,000 | $64,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $17,000 | $17,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 79 | $13,675,000 | $173,000 | $645,000 | $111,000 | $445,000 |
| VA-guaranteed (Veterans Administration) | 19 | $5,205,000 | $273,000 | $635,000 | $83,000 | $168,000 |
| FHA-insured (Federal Housing Administration) | 14 | $3,330,000 | $237,000 | $355,000 | $77,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $645,000 | $215,000 | $245,000 | $68,000 | $84,000 |
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 | 50 | $10,080,000 | $201,000 | $645,000 | $110,000 | $445,000 |
| Application Denied By Financial Institution | 25 | $4,335,000 | $173,000 | $505,000 | $91,000 | $286,000 |
| Application Withdrawn By Applicant | 15 | $2,405,000 | $160,000 | $355,000 | $92,000 | $186,000 |
| Loan Purchased By The Institution | 14 | $3,290,000 | $235,000 | $375,000 | $107,000 | $112,000 |
| File Closed For Incompleteness | 6 | $1,310,000 | $218,000 | $635,000 | $118,000 | $170,000 |
| Application Approved But Not Accepted | 5 | $1,435,000 | $287,000 | $635,000 | $131,000 | $195,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 89 | $18,365,000 | $206,000 | $645,000 | $109,000 | $445,000 |
| Collateral | 8 | $1,710,000 | $213,000 | $355,000 | $137,000 | $286,000 |
| Debt-To-Income Ratio | 8 | $1,300,000 | $162,000 | $505,000 | $68,000 | $100,000 |
| Other | 4 | $670,000 | $167,000 | $235,000 | $83,000 | $127,000 |
| Credit History | 4 | $430,000 | $107,000 | $205,000 | $66,000 | $86,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $32,000 | $32,000 |
| Employment History | 1 | $225,000 | $225,000 | $225,000 | $78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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