PNC Bank in Washington vs the state
23.0%Denial rate+7.31 pts vs state
28.5%Decision denial rate+8.94 pts vs state
55.9%Origination rate-5.19 pts vs state
6.13%Median rate-0.50 pts vs state
-0.01Rate spread (pts)-0.20 pts vs state
$207kMedian applicant income
438Loans originated
180Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,553 | 1,029 | 12.4% | 6.63% | #40 |
| 2024 | 918 | 592 | 16.8% | 6.75% | #61 |
| 2025 | 784 | 438 | 23.0% | 6.13% | #76 |
What PNC Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 390 | 249 | 72 | 18.5% |
| Snohomish County | 95 | 47 | 26 | 27.4% |
| Clark County | 42 | 19 | 13 | 31.0% |
| Pierce County | 41 | 20 | 12 | 29.3% |
| Spokane County | 32 | 16 | 9 | 28.1% |
| Kitsap County | 23 | 10 | 5 | 21.7% |
| Thurston County | 19 | 10 | 1 | 5.3% |
| Whatcom County | 17 | 8 | 6 | 35.3% |
| Island County | 14 | 1 | 6 | 42.9% |
| Benton County | 11 | 8 | 1 | 9.1% |
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: 784 applications in 2025, of which 438 were originated and 180 denied.
23.0% of all applications, or 28.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans PNC Bank originated in Washington in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are PNC Bank'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