Freedom Mortgage in Washington vs the state
7.2%Denial rate-8.45 pts vs state
12.6%Decision denial rate-6.96 pts vs state
41.5%Origination rate-19.52 pts vs state
6.00%Median rate-0.63 pts vs state
-0.13Rate spread (pts)-0.32 pts vs state
$117kMedian applicant income
1,518Loans originated
263Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 947 | 419 | 12.1% | 6.75% | #58 |
| 2024 | 2,524 | 1,183 | 8.0% | 6.25% | #27 |
| 2025 | 3,654 | 1,518 | 7.2% | 6.00% | #15 |
What Freedom Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pierce County | 683 | 303 | 35 | 5.1% |
| King County | 410 | 156 | 35 | 8.5% |
| Snohomish County | 296 | 119 | 19 | 6.4% |
| Spokane County | 295 | 128 | 29 | 9.8% |
| Thurston County | 287 | 120 | 25 | 8.7% |
| Kitsap County | 232 | 112 | 12 | 5.2% |
| Clark County | 226 | 85 | 18 | 8.0% |
| Benton County | 173 | 64 | 15 | 8.7% |
| Yakima County | 104 | 44 | 5 | 4.8% |
| Whatcom County | 84 | 36 | 1 | 1.2% |
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: 3,654 applications in 2025, of which 1,518 were originated and 263 denied.
7.2% of all applications, or 12.6% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Freedom Mortgage originated in Washington in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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