Elements Financial Federal Credit Union in Washington vs the state
25.0%Denial rate+9.35 pts vs state
40.0%Decision denial rate+20.46 pts vs state
37.5%Origination rate-23.56 pts vs state
3.99%Median rate-2.64 pts vs state
-3.21Rate spread (pts)-3.40 pts vs state
$209kMedian applicant income
3Loans originated
2Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 4 | 28.6% | 5.99% | #490 |
| 2025 | 8 | 3 | 25.0% | 3.99% | #489 |
What Elements Financial Federal Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 3 | 2 | 0 | 0.0% |
| Clark County | 2 | 1 | 1 | 50.0% |
| Snohomish County | 2 | 0 | 1 | 50.0% |
| Pierce County | 1 | 0 | 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: 8 applications in 2025, of which 3 were originated and 2 denied.
25.0% of all applications, or 40.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Elements Financial Federal Credit Union originated in Washington in 2025 was 3.99%, against a statewide median of 6.63%.
About this data. Figures are Elements Financial 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