Arc Home in Washington vs the state
11.6%Denial rate-4.02 pts vs state
16.7%Decision denial rate-2.87 pts vs state
55.8%Origination rate-5.25 pts vs state
6.88%Median rate+0.25 pts vs state
0.58Rate spread (pts)+0.39 pts vs state
$298kMedian applicant income
48Loans originated
10Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 61 | 9.4% | 7.50% | #214 |
| 2024 | 103 | 60 | 7.8% | 7.19% | #224 |
| 2025 | 86 | 48 | 11.6% | 6.88% | #251 |
What Arc Home lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 49 | 27 | 6 | 12.2% |
| Snohomish County | 11 | 6 | 3 | 27.3% |
| Clark County | 6 | 3 | 0 | 0.0% |
| Pierce County | 5 | 1 | 0 | 0.0% |
| Lewis County | 3 | 2 | 1 | 33.3% |
| Grays Harbor County | 2 | 1 | 0 | 0.0% |
| Benton County | 2 | 2 | 0 | 0.0% |
| Whatcom County | 2 | 2 | 0 | 0.0% |
| Skamania County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 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: 86 applications in 2025, of which 48 were originated and 10 denied.
11.6% of all applications, or 16.7% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Arc Home originated in Washington in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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