Intercap Lending in Washington vs the state
1.0%Denial rate-14.68 pts vs state
1.1%Decision denial rate-18.40 pts vs state
81.6%Origination rate+20.49 pts vs state
6.38%Median rate-0.25 pts vs state
0.14Rate spread (pts)-0.05 pts vs state
$143kMedian applicant income
84Loans originated
1Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 3 | 0.0% | 7.50% | #453 |
| 2024 | 13 | 11 | 0.0% | 6.50% | #429 |
| 2025 | 103 | 84 | 1.0% | 6.38% | #236 |
What Intercap Lending lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Intercap Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 59 | 47 | 1 | 1.7% |
| Clark County | 12 | 10 | 0 | 0.0% |
| Pierce County | 10 | 9 | 0 | 0.0% |
| King County | 7 | 6 | 0 | 0.0% |
| Stevens County | 5 | 3 | 0 | 0.0% |
| Chelan County | 2 | 2 | 0 | 0.0% |
| Thurston County | 2 | 2 | 0 | 0.0% |
| Whatcom County | 1 | 1 | 0 | 0.0% |
| Kitsap County | 1 | 1 | 0 | 0.0% |
| Benton 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: 103 applications in 2025, of which 84 were originated and 1 denied.
1.0% of all applications, or 1.1% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Intercap Lending originated in Washington in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Intercap Lending'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