OCMBC in Washington vs the state
8.7%Denial rate-6.95 pts vs state
11.9%Decision denial rate-7.68 pts vs state
54.2%Origination rate-6.86 pts vs state
6.88%Median rate+0.25 pts vs state
0.58Rate spread (pts)+0.39 pts vs state
$171kMedian applicant income
187Loans originated
30Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 191 | 80 | 29.3% | 8.19% | #161 |
| 2024 | 261 | 122 | 22.6% | 7.38% | #147 |
| 2025 | 345 | 187 | 8.7% | 6.88% | #134 |
What OCMBC lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 78 | 36 | 8 | 10.3% |
| Snohomish County | 48 | 26 | 3 | 6.3% |
| Pierce County | 44 | 23 | 3 | 6.8% |
| Clark County | 44 | 22 | 3 | 6.8% |
| Yakima County | 16 | 8 | 1 | 6.3% |
| Spokane County | 13 | 8 | 1 | 7.7% |
| Kitsap County | 13 | 10 | 1 | 7.7% |
| Cowlitz County | 8 | 7 | 0 | 0.0% |
| Whatcom County | 8 | 7 | 0 | 0.0% |
| Island County | 7 | 5 | 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: 345 applications in 2025, of which 187 were originated and 30 denied.
8.7% of all applications, or 11.9% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans OCMBC originated in Washington in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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