Empeople Credit Union in Washington vs the state
20.0%Denial rate+4.35 pts vs state
25.0%Decision denial rate+5.46 pts vs state
60.0%Origination rate-1.06 pts vs state
6.48%Median rate-0.14 pts vs state
-0.39Rate spread (pts)-0.58 pts vs state
$132kMedian applicant income
12Loans originated
4Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 8 | 33.3% | 6.81% | #411 |
| 2024 | 8 | 8 | 0.0% | 6.81% | #470 |
| 2025 | 20 | 12 | 20.0% | 6.48% | #389 |
What Empeople Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Skagit County | 2 | 1 | 1 | 50.0% |
| Grant County | 2 | 2 | 0 | 0.0% |
| Yakima County | 2 | 0 | 2 | 100.0% |
| Franklin County | 2 | 0 | 1 | 50.0% |
| Benton County | 2 | 2 | 0 | 0.0% |
| Whatcom County | 2 | 1 | 0 | 0.0% |
| Clark County | 2 | 2 | 0 | 0.0% |
| Adams County | 1 | 0 | 0 | 0.0% |
| Pierce County | 1 | 1 | 0 | 0.0% |
| Douglas 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: 20 applications in 2025, of which 12 were originated and 4 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Empeople Credit Union originated in Washington in 2025 was 6.48%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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