Jmac Lending in Washington vs the state
5.1%Denial rate-10.55 pts vs state
7.2%Decision denial rate-12.35 pts vs state
65.8%Origination rate+4.76 pts vs state
6.63%Median rate0.00 pts vs state
0.38Rate spread (pts)+0.19 pts vs state
$164kMedian applicant income
129Loans originated
10Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 20 | 2.9% | 7.00% | #321 |
| 2024 | 43 | 22 | 9.3% | 6.69% | #293 |
| 2025 | 196 | 129 | 5.1% | 6.63% | #190 |
What Jmac Lending lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 46 | 26 | 2 | 4.3% |
| Pierce County | 26 | 17 | 3 | 11.5% |
| Snohomish County | 23 | 12 | 1 | 4.3% |
| Clark County | 21 | 18 | 1 | 4.8% |
| Cowlitz County | 16 | 11 | 0 | 0.0% |
| Thurston County | 10 | 7 | 0 | 0.0% |
| Kitsap County | 9 | 9 | 0 | 0.0% |
| Spokane County | 7 | 7 | 0 | 0.0% |
| Island County | 5 | 5 | 0 | 0.0% |
| Benton County | 5 | 1 | 1 | 20.0% |
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: 196 applications in 2025, of which 129 were originated and 10 denied.
5.1% of all applications, or 7.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Jmac Lending originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Jmac 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