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Douglas 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.
Lenders reported 1,444 mortgage applications in Douglas County, Washington, for 2024, and originated 900 loans worth $312m.
That is 56.5 originations per 1,000 households, against 50.1 for Washington and 48.0 nationally.
The county's denial rate was 20.4%, close to the state rate of 21.3%. The median rate spread on originated loans was 0.5 percentage points and 15.4% of originations were 1.5 points or more above the average prime offer rate.
12 lenders reached 25 applications in the county; the most active by originations were Numerica Credit Union (81), Banner Bank (65) and Evergreen Moneysource Mortgage Company (65).
Originations were up 26% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Numerica Credit Union | 141 | 81 | $11m | 39.6% | — |
| 2 | Banner Bank | 85 | 65 | $24m | 16.5% | — |
| 3 | Evergreen Moneysource Mortgage Company | 82 | 65 | $28m | 2.8% | — |
| 4 | Guild Mortgage Company | 87 | 62 | $22m | 9.1% | — |
| 5 | United Wholesale Mortgage | 63 | 55 | $21m | 5.2% | — |
| 6 | Rocket Mortgage | 64 | 53 | $13m | 11.5% | — |
| 7 | Glacier Bank | 60 | 41 | $14m | 14.6% | — |
| 8 | Movement Mortgage, LLC | 46 | 35 | $13m | 7.7% | — |
| 9 | Boeing Employees' Credit Union | 34 | 26 | $5.7m | 10.3% | — |
| 10 | Peoples Bank | 52 | 24 | $6.6m | 27.3% | — |
| 11 | Gesa Credit Union | 30 | 24 | $5.8m | — | — |
| 12 | Cashmere Valley Bank | 26 | 18 | $6.4m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 12. Denial rate is denials over decided applications in this county.
Compared with Washington and the nation
| Measure | This county | Washington | United States |
|---|---|---|---|
| Denial rate | 20.4% | 21.3% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.4% | 15.8% | 15.6% |
| Average originated loan | $347k | $440k | $329k |
| Originations per 1,000 households | 56.5 | 50.1 | 48.0 |
| Home purchase share of originations | 58.2% | 54.5% | 57.0% |
| FHA-insured share | 12.7% | 9.9% | 13.4% |
| VA-guaranteed share | 5.3% | 8.6% | 7.9% |
Rate spread distribution
Share of 833 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% (524)Home improvement 11% (103)Refinancing 7% (63)Cash-out refinancing 14% (125)Other purpose 9% (85)
By type
Conventional 82% (734)FHA 13% (114)VA 5% (48)USDA 0% (4)
Trend by year
ApplicationsOriginations
This countyWashington
Questions and answers
Which lenders are most active in Douglas County, WA?
By 2024 originations: Numerica Credit Union (81), Banner Bank (65), Evergreen Moneysource Mortgage Company (65), Guild Mortgage Company (62), United Wholesale Mortgage (55). 12 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Douglas County?
20.4% of decided applications were denied in 2024, against 21.3% across Washington and 24.3% nationally.
How many mortgages were originated in Douglas County in 2024?
900 loans totalling $312m, from 1,444 applications; 56.5 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 53017; 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.