Kind Lending in Washington vs the state
22.5%Denial rate+6.86 pts vs state
25.5%Decision denial rate+5.99 pts vs state
64.7%Origination rate+3.62 pts vs state
6.63%Median rate0.00 pts vs state
0.25Rate spread (pts)+0.06 pts vs state
$156kMedian applicant income
727Loans originated
253Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 281 | 187 | 23.5% | 6.63% | #128 |
| 2024 | 754 | 489 | 21.9% | 6.75% | #72 |
| 2025 | 1,124 | 727 | 22.5% | 6.63% | #57 |
What Kind Lending lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 251 | 150 | 65 | 25.9% |
| Pierce County | 185 | 110 | 47 | 25.4% |
| Snohomish County | 104 | 69 | 20 | 19.2% |
| Spokane County | 81 | 63 | 12 | 14.8% |
| Clark County | 70 | 44 | 15 | 21.4% |
| Kitsap County | 52 | 35 | 15 | 28.8% |
| Thurston County | 48 | 28 | 14 | 29.2% |
| Whatcom County | 47 | 33 | 8 | 17.0% |
| Skagit County | 34 | 25 | 4 | 11.8% |
| Island County | 30 | 22 | 6 | 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: 1,124 applications in 2025, of which 727 were originated and 253 denied.
22.5% of all applications, or 25.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Kind Lending originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind 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