States › Washington › Clallam County
Clallam 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.
Clallam County, Washington, saw 2,395 HMDA-reported applications and 1,456 originations ($462m) in 2024.
That is 41.5 originations per 1,000 households, against 50.1 for Washington and 48.0 nationally.
The county's denial rate was 20.3%, close to the state rate of 21.3%. The median rate spread on originated loans was 0.5 percentage points and 18.2% of originations were 1.5 points or more above the average prime offer rate.
25 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (100), Rocket Mortgage (92) and Crosscountry Mortgage, LLC (88).
Originations were up 7% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 136 | 100 | $37m | 12.8% | — |
| 2 | Rocket Mortgage | 117 | 92 | $29m | 12.1% | — |
| 3 | Crosscountry Mortgage, LLC | 125 | 88 | $34m | 0.0% | — |
| 4 | First Fed Bank | 135 | 85 | $22m | 23.4% | — |
| 5 | Sound Community Bank | 122 | 80 | $16m | 28.1% | — |
| 6 | Newrez LLC | 95 | 64 | $23m | 13.5% | — |
| 7 | Highlands Residential Mortgage, Ltd. | 73 | 53 | $20m | 1.8% | — |
| 8 | Boeing Employees' Credit Union | 85 | 51 | $10.0m | 27.8% | — |
| 9 | Cardinal Financial Company, Li | 53 | 44 | $16m | 1.9% | — |
| 10 | Canopy Mortgage, LLC | 56 | 40 | $14m | 7.0% | — |
| 11 | Flagstar Bank NA | 50 | 36 | $13m | 26.5% | — |
| 12 | Us Bank, N.A. | 60 | 29 | $9.8m | 38.8% | — |
| 13 | Movement Mortgage, LLC | 31 | 26 | $8.5m | 0.0% | — |
| 14 | 1st Security Bank of Washington | 35 | 25 | $6.4m | 3.7% | — |
| 15 | Pennymac Loan Services LLC | 31 | 23 | $7.0m | 11.1% | — |
| 16 | Navy Federal Credit Union | 41 | 20 | $6.1m | 31.0% | — |
| 17 | New American Funding, LLC. | 38 | 17 | $5.5m | — | — |
| 18 | Spring Eq, LLC | 38 | 15 | $1.5m | 55.9% | — |
| 19 | Keybank National Association | 25 | 15 | $3.0m | — | — |
| 20 | JPMorgan Chase Bank, NA | 25 | 14 | $6.1m | — | — |
| 21 | Washington Federal | 28 | 13 | $7.1m | — | — |
| 22 | Freedom Mortgage Corporation | 33 | 12 | $4.7m | — | — |
| 23 | Mortgage Research Center | 34 | 11 | $4.8m | — | — |
| 24 | Discover Bank | 30 | 10 | $740k | — | — |
| 25 | Amerisave Mortgage Company | 29 | 3 | $335k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 25. Denial rate is denials over decided applications in this county.
Compared with Washington and the nation
| Measure | This county | Washington | United States |
|---|---|---|---|
| Denial rate | 20.3% | 21.3% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.2% | 15.8% | 15.6% |
| Average originated loan | $317k | $440k | $329k |
| Originations per 1,000 households | 41.5 | 50.1 | 48.0 |
| Home purchase share of originations | 58.0% | 54.5% | 57.0% |
| FHA-insured share | 11.0% | 9.9% | 13.4% |
| VA-guaranteed share | 10.1% | 8.6% | 7.9% |
Rate spread distribution
Share of 1,271 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 58% (844)Home improvement 7% (109)Refinancing 11% (154)Cash-out refinancing 15% (215)Other purpose 9% (134)
By type
Conventional 79% (1,144)FHA 11% (160)VA 10% (147)USDA 0% (5)
Trend by year
ApplicationsOriginations
This countyWashington
Questions and answers
Which lenders are most active in Clallam County, WA?
By 2024 originations: United Wholesale Mortgage (100), Rocket Mortgage (92), Crosscountry Mortgage, LLC (88), First Fed Bank (85), Sound Community Bank (80). 25 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Clallam County?
20.3% of decided applications were denied in 2024, against 21.3% across Washington and 24.3% nationally.
How many mortgages were originated in Clallam County in 2024?
1,456 loans totalling $462m, from 2,395 applications; 41.5 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 53009; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.