Industrial CU of Whatcom County in Washington vs the state
13.8%Denial rate-1.89 pts vs state
19.5%Decision denial rate-0.06 pts vs state
53.2%Origination rate-7.85 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
58Loans originated
15Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 39 | 38.8% | — | #228 |
| 2024 | 84 | 41 | 26.2% | — | #237 |
| 2025 | 109 | 58 | 13.8% | — | #230 |
What Industrial CU of Whatcom County lends in Washington
By loan purpose
By loan type
Where in Washington
Counties with the most Industrial CU of Whatcom County applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Whatcom County | 87 | 48 | 8 | 9.2% |
| Island County | 10 | 4 | 4 | 40.0% |
| Skagit County | 4 | 3 | 0 | 0.0% |
| Thurston County | 2 | 1 | 0 | 0.0% |
| Snohomish County | 2 | 1 | 1 | 50.0% |
| San Juan County | 2 | 1 | 0 | 0.0% |
| King County | 1 | 0 | 1 | 100.0% |
| Okanogan County | 1 | 0 | 1 | 100.0% |
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: 109 applications in 2025, of which 58 were originated and 15 denied.
13.8% of all applications, or 19.5% 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 Industrial CU of Whatcom County'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