Royal United Mortgage in Washington vs the state
21.4%Denial rate+5.78 pts vs state
25.0%Decision denial rate+5.46 pts vs state
61.9%Origination rate+0.84 pts vs state
6.63%Median rate0.00 pts vs state
0.87Rate spread (pts)+0.68 pts vs state
$40kMedian applicant income
26Loans originated
9Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 40 | 22.6% | 6.75% | #259 |
| 2024 | 53 | 26 | 22.6% | 6.88% | #279 |
| 2025 | 42 | 26 | 21.4% | 6.63% | #309 |
What Royal United Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 6 | 4 | 0 | 0.0% |
| King County | 5 | 2 | 2 | 40.0% |
| Benton County | 5 | 4 | 1 | 20.0% |
| Pierce County | 4 | 3 | 1 | 25.0% |
| Kitsap County | 2 | 2 | 0 | 0.0% |
| Stevens County | 2 | 1 | 1 | 50.0% |
| Snohomish County | 2 | 2 | 0 | 0.0% |
| Okanogan County | 2 | 1 | 1 | 50.0% |
| Yakima County | 2 | 2 | 0 | 0.0% |
| Cowlitz County | 2 | 1 | 1 | 50.0% |
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: 42 applications in 2025, of which 26 were originated and 9 denied.
21.4% of all applications, or 25.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Royal United Mortgage originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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