Heritage Bank in Washington vs the state
20.0%Denial rate+4.35 pts vs state
20.0%Decision denial rate+0.46 pts vs state
80.0%Origination rate+18.94 pts vs state
—Median rate
—Rate spread (pts)
$270kMedian applicant income
4Loans originated
1Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 16.7% | 6.00% | #520 |
| 2025 | 5 | 4 | 20.0% | — | #527 |
What Heritage Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 3 | 2 | 1 | 33.3% |
| Yakima County | 1 | 1 | 0 | 0.0% |
| Clark 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: 5 applications in 2025, of which 4 were originated and 1 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Heritage Bank'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