American Heritage Lending in Washington vs the state
3.9%Denial rate-11.73 pts vs state
5.7%Decision denial rate-13.83 pts vs state
53.9%Origination rate-7.14 pts vs state
7.50%Median rate+0.88 pts vs state
1.67Rate spread (pts)+1.49 pts vs state
$236kMedian applicant income
55Loans originated
4Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 14 | 0.0% | 9.19% | #341 |
| 2024 | 69 | 43 | 7.3% | 7.63% | #252 |
| 2025 | 102 | 55 | 3.9% | 7.50% | #237 |
What American Heritage Lending lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 38 | 21 | 1 | 2.6% |
| Pierce County | 19 | 6 | 1 | 5.3% |
| Snohomish County | 11 | 6 | 0 | 0.0% |
| Lewis County | 5 | 3 | 0 | 0.0% |
| Spokane County | 4 | 2 | 1 | 25.0% |
| Clark County | 4 | 2 | 0 | 0.0% |
| Whatcom County | 4 | 2 | 0 | 0.0% |
| Kitsap County | 4 | 3 | 0 | 0.0% |
| Island County | 3 | 3 | 0 | 0.0% |
| Benton County | 2 | 2 | 0 | 0.0% |
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: 102 applications in 2025, of which 55 were originated and 4 denied.
3.9% of all applications, or 5.7% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans American Heritage Lending originated in Washington in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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