Refinancing lenders in Pierce County
3,860 refinancing mortgages were made in Pierce County, Washington, in 2025, by 314 lenders. The median rate their borrowers got was 6.000% on a median loan of $425,000. Of 5,205 decisions, 1,008 were denials — 19.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 493 | 5.625% | $505,000 | 11.2% |
| Boeing Employees Credit Union | 481 | 6.490% | $125,000 | 28.2% |
| Rocket Mortgage, LLC | 252 | 5.990% | $455,000 | 16.1% |
| FREEDOM MORTGAGE CORPORATION | 190 | 5.750% | $510,000 | 3.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 152 | 5.990% | $525,000 | 3.7% |
| MOVEMENT MORTGAGE, LLC | 108 | 6.125% | $485,000 | 4.8% |
| PENNYMAC LOAN SERVICES, LLC | 105 | 5.875% | $485,000 | 10.8% |
| NEWREZ LLC | 97 | 5.750% | $515,000 | 18.9% |
| Bank of America, National Association | 92 | 5.990% | $160,000 | 25.0% |
| Sound Credit Union | 89 | 7.140% | $105,000 | 24.0% |
| CMG MORTGAGE, INC. | 80 | 6.000% | $415,000 | 7.5% |
| Umpqua Bank | 68 | 8.250% | $165,000 | 32.4% |
| GUILD MORTGAGE COMPANY | 62 | 6.125% | $470,000 | 4.2% |
| U.S. Bank National Association | 54 | 6.125% | $490,000 | 15.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 53 | 6.500% | $495,000 | 0.0% |
| TAPCO Credit Union | 49 | Not published | $105,000 | 5.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 48 | 5.750% | $505,000 | 9.3% |
| Fairway Independent Mortgage Corporation | 41 | 6.125% | $505,000 | 18.0% |
| LAKEVIEW LOAN SERVICING, LLC | 39 | 5.750% | $545,000 | 56.7% |
| Loandepot.Com, LLC | 39 | 5.750% | $495,000 | 26.4% |
| Mortgage Research Center, LLC | 36 | 5.750% | $515,000 | 60.0% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.250% | $465,000 | 28.6% |
| GUARANTEED RATE, INC. | 27 | 5.925% | $545,000 | 3.5% |
| JPMorgan Chase Bank, National Association | 26 | 6.183% | $405,000 | 3.6% |
| PLANET HOME LENDING, LLC | 26 | 5.500% | $515,000 | 16.1% |
| KITSAP Credit Union | 26 | 7.250% | $130,000 | 3.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.125% | $295,000 | 10.7% |
| Broker Solutions, Inc. | 23 | 6.125% | $485,000 | 17.9% |
| FINANCE OF AMERICA REVERSE LLC | 23 | 6.500% | $245,000 | 17.9% |
| AMERICA'S CREDIT UNION, A | 23 | 6.750% | $175,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 22 | 6.375% | $450,000 | 0.0% |
| KeyBank National Association | 21 | 6.500% | $275,000 | 34.4% |
| THE LOAN STORE, INC. | 21 | 6.625% | $455,000 | 13.3% |
| Heritage Bank | 20 | 7.740% | $235,000 | 42.5% |
| PHH Mortgage Corporation | 20 | 5.625% | $535,000 | 4.8% |
| NBKC BANK | 19 | 5.625% | $625,000 | 29.6% |
| Third Federal Savings and Loan Association of Cleveland | 19 | 6.990% | $205,000 | 31.0% |
| SAMMAMISH MORTGAGE COMPANY | 19 | 6.500% | $465,000 | 5.0% |
| NFM, INC. | 19 | 6.875% | $455,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 17 | 5.990% | $425,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 17 | 6.250% | $265,000 | 5.0% |
| Paramount Residential Mortgage Group, Inc. | 16 | 6.125% | $450,000 | 5.9% |
| MLD MORTGAGE INC. | 16 | 6.125% | $495,000 | 0.0% |
| O Bee Credit Union | 16 | 8.000% | $210,000 | 18.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 16 | 5.813% | $475,000 | 10.5% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 15 | 7.430% | $235,000 | 50.0% |
| SPRING EQ, LLC | 15 | 8.100% | $115,000 | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 5.995% | $595,000 | 0.0% |
| Luminate Bank | 15 | 6.125% | $465,000 | 11.8% |
| ALLIANT CREDIT UNION | 15 | 8.000% | $185,000 | 25.0% |
| 1st Security Bank of Washington | 14 | 5.933% | $455,000 | 0.0% |
| LoanUnited.com, LLC | 13 | 5.750% | $545,000 | 13.3% |
| INTELLILOAN, INC. | 13 | 6.125% | $465,000 | 17.7% |
| Wells Fargo Bank, National Association | 13 | 6.125% | $485,000 | 6.7% |
| WALKER & DUNLOP, LLC | 13 | 5.260% | $5,120,000 | 0.0% |
| NexBank | 12 | 6.125% | $465,000 | 25.0% |
| Navy Federal Credit Union | 11 | 5.875% | $465,000 | 35.0% |
| Global Federal Credit Union | 11 | 6.000% | $485,000 | 7.7% |
| CORNERSTONE CAPITAL BANK, SSB | 11 | 6.250% | $485,000 | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 11 | 6.125% | $485,000 | 21.4% |
| KIND LENDING, LLC | 10 | 6.313% | $420,000 | 52.4% |
| Lendage, LLC | 10 | 10.188% | $115,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| QUALSTAR CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 75.0% |
| LADERA LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 18.2% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Timberland Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| TWINSTAR | 6 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PRIORITY HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 5 | Under 10 loans | Under 10 loans | 58.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RED CANOE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HomeStreet Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| ONY GLO, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 12.5% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kitsap Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 76.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 69.2% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 37.5% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| IDAHO CENTRAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 16.7% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VERITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| HARBORSTONE | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GESA | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPOKANE TEACHERS | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valley West Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECTORS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seattle Metropolitan Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Sound Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 114 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.