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Adams County, Washington
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Adams County, Washington, saw 507 HMDA-reported applications and 265 originations ($70m) in 2024.
That is 42.1 originations per 1,000 households, against 50.1 for Washington and 48.0 nationally.
The county's denial rate was 28.4%, above the state rate of 21.3%. The median rate spread on originated loans was 0.6 percentage points and 21.2% of originations were 1.5 points or more above the average prime offer rate.
6 lenders reached 25 applications in the county; the most active by originations were Guild Mortgage Company (39), Gesa Credit Union (26) and 1st Security Bank of Washington (22).
Originations were up 16% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Guild Mortgage Company | 54 | 39 | $8.7m | 6.5% | — |
| 2 | Gesa Credit Union | 38 | 26 | $5.9m | 22.9% | — |
| 3 | 1st Security Bank of Washington | 31 | 22 | $7.3m | — | — |
| 4 | United Wholesale Mortgage | 32 | 20 | $6.0m | 25.9% | — |
| 5 | Spokane Teachers Credit Union | 32 | 15 | $3.1m | 42.3% | — |
| 6 | Us Bank, N.A. | 36 | 10 | $1.1m | 62.5% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 6. Denial rate is denials over decided applications in this county.
Compared with Washington and the nation
| Measure | This county | Washington | United States |
|---|---|---|---|
| Denial rate | 28.4% | 21.3% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.2% | 15.8% | 15.6% |
| Average originated loan | $264k | $440k | $329k |
| Originations per 1,000 households | 42.1 | 50.1 | 48.0 |
| Home purchase share of originations | 56.6% | 54.5% | 57.0% |
| FHA-insured share | 25.3% | 9.9% | 13.4% |
| VA-guaranteed share | 5.7% | 8.6% | 7.9% |
Rate spread distribution
Share of 236 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Washington). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 57% (150)Home improvement 10% (26)Refinancing 11% (28)Cash-out refinancing 16% (43)Other purpose 7% (18)
By type
Conventional 68% (180)FHA 25% (67)VA 6% (15)USDA 1% (3)
Trend by year
ApplicationsOriginations
This countyWashington
Questions and answers
Which lenders are most active in Adams County, WA?
By 2024 originations: Guild Mortgage Company (39), Gesa Credit Union (26), 1st Security Bank of Washington (22), United Wholesale Mortgage (20), Spokane Teachers Credit Union (15). 6 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Adams County?
28.4% of decided applications were denied in 2024, against 21.3% across Washington and 24.3% nationally.
How many mortgages were originated in Adams County in 2024?
265 loans totalling $70m, from 507 applications; 42.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 53001; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.