Inspire Home Loans in Washington vs the state
3.9%Denial rate-11.80 pts vs state
4.2%Decision denial rate-15.37 pts vs state
80.8%Origination rate+19.71 pts vs state
5.38%Median rate-1.25 pts vs state
-0.55Rate spread (pts)-0.74 pts vs state
$162kMedian applicant income
252Loans originated
12Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 359 | 265 | 7.2% | 5.63% | #114 |
| 2024 | 366 | 282 | 6.0% | 6.00% | #116 |
| 2025 | 312 | 252 | 3.9% | 5.38% | #142 |
What Inspire Home Loans lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kitsap County | 95 | 77 | 2 | 2.1% |
| Snohomish County | 83 | 73 | 3 | 3.6% |
| Pierce County | 49 | 41 | 3 | 6.1% |
| Lewis County | 40 | 30 | 3 | 7.5% |
| Thurston County | 33 | 22 | 1 | 3.0% |
| King County | 11 | 8 | 0 | 0.0% |
| Chelan 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: 312 applications in 2025, of which 252 were originated and 12 denied.
3.9% of all applications, or 4.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Inspire Home Loans originated in Washington in 2025 was 5.38%, against a statewide median of 6.63%.
About this data. Figures are Inspire Home Loans'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