Highlands Residential Mortgage in Washington vs the state
1.6%Denial rate-14.08 pts vs state
2.0%Decision denial rate-17.56 pts vs state
76.0%Origination rate+14.95 pts vs state
6.63%Median rate0.00 pts vs state
0.28Rate spread (pts)+0.09 pts vs state
$132kMedian applicant income
339Loans originated
7Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 234 | 167 | 1.7% | 6.99% | #143 |
| 2024 | 370 | 246 | 1.1% | 6.99% | #115 |
| 2025 | 446 | 339 | 1.6% | 6.63% | #111 |
What Highlands Residential Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clallam County | 134 | 112 | 1 | 0.7% |
| King County | 80 | 67 | 0 | 0.0% |
| Grays Harbor County | 77 | 40 | 3 | 3.9% |
| Snohomish County | 46 | 31 | 1 | 2.2% |
| Kitsap County | 24 | 18 | 0 | 0.0% |
| Pierce County | 14 | 14 | 0 | 0.0% |
| Island County | 10 | 7 | 2 | 20.0% |
| Thurston County | 10 | 7 | 0 | 0.0% |
| Jefferson County | 9 | 8 | 0 | 0.0% |
| Spokane County | 7 | 7 | 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: 446 applications in 2025, of which 339 were originated and 7 denied.
1.6% of all applications, or 2.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Highlands Residential Mortgage originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential 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