Envoy Mortgage in Washington vs the state
6.0%Denial rate-9.67 pts vs state
7.6%Decision denial rate-11.94 pts vs state
72.5%Origination rate+11.46 pts vs state
6.63%Median rate0.00 pts vs state
0.26Rate spread (pts)+0.07 pts vs state
$123kMedian applicant income
388Loans originated
32Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 440 | 303 | 7.1% | 6.50% | #98 |
| 2024 | 382 | 274 | 6.8% | 6.50% | #112 |
| 2025 | 535 | 388 | 6.0% | 6.63% | #97 |
What Envoy Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Island County | 67 | 46 | 3 | 4.5% |
| Clark County | 65 | 40 | 2 | 3.1% |
| Spokane County | 64 | 50 | 1 | 1.6% |
| King County | 57 | 33 | 8 | 14.0% |
| Snohomish County | 50 | 37 | 7 | 14.0% |
| Whatcom County | 36 | 27 | 3 | 8.3% |
| Pierce County | 33 | 27 | 4 | 12.1% |
| Skagit County | 25 | 20 | 1 | 4.0% |
| Benton County | 24 | 22 | 0 | 0.0% |
| Thurston County | 22 | 19 | 1 | 4.5% |
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: 535 applications in 2025, of which 388 were originated and 32 denied.
6.0% of all applications, or 7.6% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Envoy Mortgage originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage'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