Nations Direct Mortgage in Washington vs the state
2.6%Denial rate-13.01 pts vs state
3.1%Decision denial rate-16.42 pts vs state
82.1%Origination rate+21.02 pts vs state
6.49%Median rate-0.13 pts vs state
0.08Rate spread (pts)-0.10 pts vs state
$142kMedian applicant income
435Loans originated
14Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 185 | 8.7% | 6.75% | #135 |
| 2024 | 494 | 385 | 2.6% | 6.63% | #97 |
| 2025 | 530 | 435 | 2.6% | 6.49% | #98 |
What Nations Direct Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 194 | 169 | 4 | 2.1% |
| Cowlitz County | 62 | 43 | 2 | 3.2% |
| Pierce County | 41 | 34 | 1 | 2.4% |
| Benton County | 38 | 36 | 0 | 0.0% |
| King County | 25 | 16 | 1 | 4.0% |
| Snohomish County | 22 | 20 | 1 | 4.5% |
| Thurston County | 20 | 16 | 0 | 0.0% |
| Spokane County | 19 | 15 | 0 | 0.0% |
| Lewis County | 17 | 11 | 1 | 5.9% |
| Stevens County | 16 | 12 | 1 | 6.3% |
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: 530 applications in 2025, of which 435 were originated and 14 denied.
2.6% of all applications, or 3.1% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Nations Direct Mortgage originated in Washington in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct Mortgage'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