Credit Human Federal Credit Union in Washington vs the state
40.8%Denial rate+25.17 pts vs state
40.9%Decision denial rate+21.36 pts vs state
31.0%Origination rate-30.04 pts vs state
8.50%Median rate+1.88 pts vs state
2.54Rate spread (pts)+2.35 pts vs state
$82kMedian applicant income
152Loans originated
200Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 701 | 201 | 42.1% | 8.10% | #71 |
| 2024 | 615 | 206 | 40.7% | 8.85% | #81 |
| 2025 | 490 | 152 | 40.8% | 8.50% | #103 |
What Credit Human Federal Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Snohomish County | 65 | 26 | 19 | 29.2% |
| King County | 57 | 12 | 27 | 47.4% |
| Pierce County | 53 | 15 | 22 | 41.5% |
| Spokane County | 38 | 13 | 18 | 47.4% |
| Thurston County | 34 | 10 | 17 | 50.0% |
| Clark County | 34 | 10 | 15 | 44.1% |
| Yakima County | 31 | 5 | 20 | 64.5% |
| Grant County | 20 | 4 | 8 | 40.0% |
| Kitsap County | 16 | 7 | 5 | 31.3% |
| Walla Walla County | 12 | 1 | 3 | 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: 490 applications in 2025, of which 152 were originated and 200 denied.
40.8% of all applications, or 40.9% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Credit Human Federal Credit Union originated in Washington in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Credit Human Federal Credit Union'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