Mountain America Federal Credit Union in Washington vs the state
30.0%Denial rate+14.35 pts vs state
41.9%Decision denial rate+22.32 pts vs state
41.7%Origination rate-19.39 pts vs state
7.38%Median rate+0.75 pts vs state
0.68Rate spread (pts)+0.49 pts vs state
$149kMedian applicant income
25Loans originated
18Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 87 | 9.3% | 7.13% | #180 |
| 2024 | 69 | 24 | 30.4% | 7.06% | #253 |
| 2025 | 60 | 25 | 30.0% | 7.38% | #280 |
What Mountain America Federal Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 11 | 9 | 1 | 9.1% |
| Snohomish County | 8 | 1 | 5 | 62.5% |
| Pierce County | 8 | 3 | 4 | 50.0% |
| King County | 5 | 4 | 1 | 20.0% |
| Franklin County | 3 | 1 | 1 | 33.3% |
| Benton County | 2 | 1 | 0 | 0.0% |
| Adams County | 2 | 0 | 0 | 0.0% |
| Clark County | 2 | 0 | 0 | 0.0% |
| Pacific County | 2 | 1 | 0 | 0.0% |
| Chelan County | 2 | 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: 60 applications in 2025, of which 25 were originated and 18 denied.
30.0% of all applications, or 41.9% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Mountain America Federal Credit Union originated in Washington in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Mountain America Federal Credit Union'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