Citibank in Washington vs the state
7.8%Denial rate-7.87 pts vs state
14.1%Decision denial rate-5.41 pts vs state
46.6%Origination rate-14.51 pts vs state
5.63%Median rate-1.00 pts vs state
-0.28Rate spread (pts)-0.46 pts vs state
$338kMedian applicant income
317Loans originated
53Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 392 | 223 | 4.9% | 5.88% | #105 |
| 2024 | 550 | 266 | 4.6% | 6.13% | #89 |
| 2025 | 681 | 317 | 7.8% | 5.63% | #83 |
What Citibank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 441 | 236 | 24 | 5.4% |
| Snohomish County | 145 | 51 | 8 | 5.5% |
| Pierce County | 18 | 4 | 4 | 22.2% |
| Spokane County | 14 | 2 | 7 | 50.0% |
| Clark County | 13 | 5 | 2 | 15.4% |
| Kitsap County | 7 | 2 | 0 | 0.0% |
| Whatcom County | 7 | 3 | 1 | 14.3% |
| Yakima County | 5 | 1 | 0 | 0.0% |
| Island County | 5 | 3 | 1 | 20.0% |
| Benton County | 4 | 0 | 1 | 25.0% |
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: 681 applications in 2025, of which 317 were originated and 53 denied.
7.8% of all applications, or 14.1% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Citibank originated in Washington in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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