Hometown Equity Mortgage in Washington vs the state
48.0%Denial rate+32.30 pts vs state
50.3%Decision denial rate+30.77 pts vs state
45.0%Origination rate-16.03 pts vs state
7.38%Median rate+0.75 pts vs state
1.42Rate spread (pts)+1.23 pts vs state
$270kMedian applicant income
77Loans originated
82Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 24 | 52.7% | 8.88% | #238 |
| 2024 | 78 | 24 | 66.7% | 7.56% | #243 |
| 2025 | 171 | 77 | 48.0% | 7.38% | #200 |
What Hometown Equity Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 47 | 22 | 22 | 46.8% |
| Pierce County | 26 | 17 | 6 | 23.1% |
| Spokane County | 15 | 6 | 9 | 60.0% |
| Snohomish County | 13 | 3 | 8 | 61.5% |
| Benton County | 12 | 8 | 4 | 33.3% |
| Clark County | 10 | 4 | 4 | 40.0% |
| Thurston County | 8 | 4 | 4 | 50.0% |
| Clallam County | 7 | 2 | 4 | 57.1% |
| Whatcom County | 6 | 2 | 3 | 50.0% |
| Mason County | 4 | 1 | 3 | 75.0% |
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: 171 applications in 2025, of which 77 were originated and 82 denied.
48.0% of all applications, or 50.3% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Hometown Equity Mortgage originated in Washington in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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