Direct Rate Home Loans in Washington vs the state
11.1%Denial rate-4.54 pts vs state
16.7%Decision denial rate-2.87 pts vs state
55.6%Origination rate-5.50 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.11 pts vs state
$128kMedian applicant income
10Loans originated
2Denied
What Direct Rate Home Loans lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Direct Rate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 8 | 5 | 1 | 12.5% |
| Pierce County | 4 | 2 | 0 | 0.0% |
| Snohomish County | 2 | 1 | 0 | 0.0% |
| Island County | 2 | 1 | 1 | 50.0% |
| Skagit County | 1 | 0 | 0 | 0.0% |
| Thurston 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: 18 applications in 2025, of which 10 were originated and 2 denied.
11.1% 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 Direct Rate Home Loans originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Direct Rate Home Loans'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