Guidance Residential in Washington vs the state
1.2%Denial rate-14.50 pts vs state
1.5%Decision denial rate-18.02 pts vs state
68.4%Origination rate+7.33 pts vs state
6.88%Median rate+0.25 pts vs state
0.35Rate spread (pts)+0.16 pts vs state
$170kMedian applicant income
119Loans originated
2Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 47 | 1.3% | 6.63% | #232 |
| 2024 | 117 | 70 | 3.4% | 7.13% | #214 |
| 2025 | 174 | 119 | 1.2% | 6.88% | #198 |
What Guidance Residential lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 99 | 67 | 1 | 1.0% |
| Snohomish County | 38 | 27 | 1 | 2.6% |
| Pierce County | 22 | 14 | 0 | 0.0% |
| Clark County | 9 | 6 | 0 | 0.0% |
| Thurston County | 4 | 3 | 0 | 0.0% |
| Spokane County | 1 | 1 | 0 | 0.0% |
| Clallam 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: 174 applications in 2025, of which 119 were originated and 2 denied.
1.2% of all applications, or 1.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Guidance Residential originated in Washington in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential'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