21st Mortgage in Washington vs the state
44.1%Denial rate+28.45 pts vs state
70.5%Decision denial rate+50.97 pts vs state
17.6%Origination rate-43.48 pts vs state
10.03%Median rate+3.40 pts vs state
4.24Rate spread (pts)+4.05 pts vs state
$72kMedian applicant income
161Loans originated
404Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,454 | 178 | 52.0% | 10.07% | #44 |
| 2024 | 1,221 | 185 | 47.8% | 10.11% | #49 |
| 2025 | 916 | 161 | 44.1% | 10.03% | #69 |
What 21st Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 102 | 14 | 61 | 59.8% |
| Benton County | 90 | 20 | 40 | 44.4% |
| Clark County | 90 | 10 | 40 | 44.4% |
| Spokane County | 78 | 16 | 29 | 37.2% |
| Pierce County | 77 | 11 | 40 | 51.9% |
| Snohomish County | 62 | 6 | 25 | 40.3% |
| Yakima County | 51 | 9 | 24 | 47.1% |
| Kitsap County | 49 | 9 | 18 | 36.7% |
| Thurston County | 35 | 6 | 12 | 34.3% |
| Whatcom County | 35 | 7 | 14 | 40.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 916 applications in 2025, of which 161 were originated and 404 denied.
44.1% of all applications, or 70.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans 21st Mortgage originated in Washington in 2025 was 10.03%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology