Kinecta in Washington vs the state
15.4%Denial rate-0.27 pts vs state
22.2%Decision denial rate+2.68 pts vs state
53.9%Origination rate-7.21 pts vs state
6.99%Median rate+0.37 pts vs state
0.67Rate spread (pts)+0.48 pts vs state
$108kMedian applicant income
14Loans originated
4Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 24 | 12.2% | 6.69% | #302 |
| 2024 | 21 | 18 | 4.8% | 6.75% | #373 |
| 2025 | 26 | 14 | 15.4% | 6.99% | #361 |
What Kinecta lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Kinecta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 7 | 5 | 0 | 0.0% |
| Pierce County | 4 | 3 | 1 | 25.0% |
| Snohomish County | 3 | 0 | 1 | 33.3% |
| Spokane County | 2 | 2 | 0 | 0.0% |
| Clallam County | 2 | 2 | 0 | 0.0% |
| Skamania County | 1 | 0 | 0 | 0.0% |
| Thurston County | 1 | 0 | 1 | 100.0% |
| Lewis County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 1 | 0 | 0.0% |
| Grays Harbor 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: 26 applications in 2025, of which 14 were originated and 4 denied.
15.4% of all applications, or 22.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Kinecta originated in Washington in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Kinecta'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