Idaho Central Credit Union in Washington vs the state
16.0%Denial rate+0.38 pts vs state
17.1%Decision denial rate-2.40 pts vs state
58.4%Origination rate-2.66 pts vs state
7.00%Median rate+0.38 pts vs state
-0.18Rate spread (pts)-0.37 pts vs state
$147kMedian applicant income
612Loans originated
168Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 423 | 242 | 16.8% | 7.44% | #100 |
| 2024 | 591 | 357 | 16.8% | 7.38% | #83 |
| 2025 | 1,048 | 612 | 16.0% | 7.00% | #60 |
What Idaho Central Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Idaho Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 587 | 353 | 85 | 14.5% |
| King County | 61 | 32 | 8 | 13.1% |
| Asotin County | 57 | 36 | 10 | 17.5% |
| Whitman County | 43 | 29 | 3 | 7.0% |
| Benton County | 38 | 15 | 13 | 34.2% |
| Pierce County | 36 | 16 | 6 | 16.7% |
| Snohomish County | 36 | 15 | 7 | 19.4% |
| Stevens County | 29 | 16 | 6 | 20.7% |
| Yakima County | 16 | 9 | 3 | 18.8% |
| Grant County | 14 | 8 | 3 | 21.4% |
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: 1,048 applications in 2025, of which 612 were originated and 168 denied.
16.0% of all applications, or 17.1% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Idaho Central Credit Union originated in Washington in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Idaho Central Credit Union'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