Onpoint Community Credit Union in Washington vs the state
17.7%Denial rate+2.03 pts vs state
19.9%Decision denial rate+0.39 pts vs state
66.1%Origination rate+5.02 pts vs state
7.50%Median rate+0.88 pts vs state
0.22Rate spread (pts)+0.03 pts vs state
$129kMedian applicant income
643Loans originated
172Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 852 | 541 | 23.0% | 8.00% | #61 |
| 2024 | 899 | 612 | 19.8% | 8.50% | #63 |
| 2025 | 973 | 643 | 17.7% | 7.50% | #63 |
What Onpoint Community Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Onpoint Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 827 | 561 | 136 | 16.4% |
| Cowlitz County | 37 | 24 | 5 | 13.5% |
| Skamania County | 15 | 13 | 2 | 13.3% |
| King County | 13 | 4 | 6 | 46.2% |
| Klickitat County | 11 | 7 | 2 | 18.2% |
| Pacific County | 11 | 7 | 3 | 27.3% |
| Pierce County | 9 | 3 | 3 | 33.3% |
| Thurston County | 7 | 3 | 2 | 28.6% |
| Lewis County | 7 | 5 | 1 | 14.3% |
| Jefferson County | 6 | 4 | 1 | 16.7% |
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: 973 applications in 2025, of which 643 were originated and 172 denied.
17.7% of all applications, or 19.9% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Onpoint Community Credit Union originated in Washington in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Onpoint Community 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