TWINSTAR
TWINSTAR received 2,204 applications in 2025 and made 1,212 mortgages, in 52 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 1,866 decisions, 627 were denials — 33.6%, most often for other.
| Legal Entity Identifier | 549300UBGGLZLZEY0M18 |
|---|---|
| Applications received | 2,204 |
| Mortgages made | 1,212 |
| Denied | 627 |
| Approved, not taken up | 27 |
| Withdrawn or incomplete | 338 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.26 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 189 | 6.500% | $335,000 | 27.0% |
| Refinancing | 133 | 7.500% | $125,000 | 32.4% |
| Cash-out refinancing | 51 | 6.500% | $205,000 | 35.4% |
| Other purposes | 839 | 7.500% | $75,000 | 35.0% |
Where TWINSTAR lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Thurston County, WA | 283 | 7.500% | 31.0% |
| Lane County, OR | 187 | 7.500% | 28.6% |
| Lewis County, WA | 133 | 7.500% | 35.7% |
| Grays Harbor County, WA | 113 | 7.500% | 28.8% |
| Douglas County, OR | 94 | 7.500% | 33.8% |
| Clark County, WA | 62 | 7.500% | 35.7% |
| Pierce County, WA | 47 | 7.500% | 31.0% |
| Coos County, OR | 41 | 7.500% | 36.4% |
| Jackson County, OR | 41 | 7.500% | 48.1% |
| Linn County, OR | 31 | 7.500% | 27.3% |
| Deschutes County, OR | 29 | 7.500% | 25.6% |
| Clackamas County, OR | 17 | 7.500% | 32.0% |
| King County, WA | 16 | 6.075% | 50.0% |
| Washington County, OR | 15 | 7.500% | 16.7% |
| Mason County, WA | 13 | 7.500% | 31.6% |
| Josephine County, OR | 12 | 7.500% | 48.0% |
| Marion County, OR | 11 | 7.500% | 42.9% |
| Multnomah County, OR | 9 | Under 10 loans | 47.1% |
| Polk County, OR | 7 | Under 10 loans | 22.2% |
| Pacific County, WA | 6 | Under 10 loans | 57.1% |
| Benton County, OR | 5 | Under 10 loans | 16.7% |
| Klamath County, OR | 5 | Under 10 loans | 44.4% |
| Cowlitz County, WA | 5 | Under 10 loans | 16.7% |
| Yamhill County, OR | 4 | Under 10 loans | 0.0% |
| Clallam County, WA | 3 | Under 10 loans | 25.0% |
| Snohomish County, WA | 3 | Under 10 loans | 40.0% |
| Tillamook County, OR | 2 | Under 10 loans | 33.3% |
| Umatilla County, OR | 2 | Under 10 loans | 0.0% |
| Kitsap County, WA | 2 | Under 10 loans | 0.0% |
| Spokane County, WA | 2 | Under 10 loans | 50.0% |
| Yakima County, WA | 2 | Under 10 loans | 33.3% |
| Columbia County, OR | 1 | Under 10 loans | 50.0% |
| Crook County, OR | 1 | Under 10 loans | 50.0% |
| Curry County, OR | 1 | Under 10 loans | 0.0% |
| Grant County, OR | 1 | Under 10 loans | 0.0% |
| Morrow County, OR | 1 | Under 10 loans | 0.0% |
| Franklin County, WA | 1 | Under 10 loans | 0.0% |
| Grant County, WA | 1 | Under 10 loans | 0.0% |
| Island County, WA | 1 | Under 10 loans | 66.7% |
| Skagit County, WA | 1 | Under 10 loans | 66.7% |
| Walla Walla County, WA | 1 | Under 10 loans | 0.0% |
| Clatsop County, OR | 0 | Under 10 loans | 100.0% |
| Jefferson County, OR | 0 | Under 10 loans | 100.0% |
| Lincoln County, OR | 0 | Under 10 loans | 100.0% |
| Sherman County, OR | 0 | Under 10 loans | 100.0% |
| Union County, OR | 0 | Under 10 loans | 100.0% |
| Benton County, WA | 0 | Under 10 loans | 100.0% |
| Jefferson County, WA | 0 | Under 10 loans | 100.0% |
| Okanogan County, WA | 0 | Under 10 loans | Not published |
| Skamania County, WA | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.