American Financing in Washington vs the state
45.5%Denial rate+29.89 pts vs state
63.5%Decision denial rate+43.91 pts vs state
16.8%Origination rate-44.30 pts vs state
6.43%Median rate-0.19 pts vs state
0.36Rate spread (pts)+0.17 pts vs state
$102kMedian applicant income
92Loans originated
250Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 224 | 45 | 38.0% | 6.25% | #146 |
| 2024 | 382 | 78 | 50.5% | 6.13% | #113 |
| 2025 | 549 | 92 | 45.5% | 6.43% | #95 |
What American Financing lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 82 | 13 | 37 | 45.1% |
| Pierce County | 79 | 17 | 34 | 43.0% |
| Spokane County | 57 | 9 | 22 | 38.6% |
| Snohomish County | 45 | 5 | 25 | 55.6% |
| King County | 39 | 3 | 26 | 66.7% |
| Benton County | 29 | 11 | 9 | 31.0% |
| Cowlitz County | 26 | 4 | 14 | 53.8% |
| Kitsap County | 24 | 0 | 13 | 54.2% |
| Thurston County | 23 | 3 | 12 | 52.2% |
| Whatcom County | 18 | 5 | 3 | 16.7% |
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: 549 applications in 2025, of which 92 were originated and 250 denied.
45.5% of all applications, or 63.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans American Financing originated in Washington in 2025 was 6.43%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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