Home Mortgage Alliance Corporation (HMAC) in Washington vs the state
19.1%Denial rate+3.40 pts vs state
24.2%Decision denial rate+4.70 pts vs state
59.5%Origination rate-1.54 pts vs state
7.38%Median rate+0.75 pts vs state
1.30Rate spread (pts)+1.11 pts vs state
$169kMedian applicant income
25Loans originated
8Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 36 | 15.1% | 8.00% | #240 |
| 2024 | 93 | 47 | 4.3% | 7.38% | #229 |
| 2025 | 42 | 25 | 19.1% | 7.38% | #308 |
What Home Mortgage Alliance Corporation (HMAC) lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 23 | 14 | 5 | 21.7% |
| Snohomish County | 5 | 2 | 1 | 20.0% |
| Pierce County | 5 | 3 | 1 | 20.0% |
| Kittitas County | 2 | 0 | 0 | 0.0% |
| Clark County | 2 | 2 | 0 | 0.0% |
| Mason County | 1 | 0 | 1 | 100.0% |
| Chelan County | 1 | 1 | 0 | 0.0% |
| Lewis County | 1 | 1 | 0 | 0.0% |
| Grant County | 1 | 1 | 0 | 0.0% |
| Thurston 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: 42 applications in 2025, of which 25 were originated and 8 denied.
19.1% of all applications, or 24.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Washington in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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