The Central Trust Bank in Washington vs the state
3.2%Denial rate-12.42 pts vs state
6.3%Decision denial rate-13.29 pts vs state
41.9%Origination rate-19.12 pts vs state
6.38%Median rate-0.25 pts vs state
-0.22Rate spread (pts)-0.40 pts vs state
$280kMedian applicant income
13Loans originated
1Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 28 | 1.9% | 5.99% | #279 |
| 2024 | 37 | 15 | 0.0% | 6.13% | #315 |
| 2025 | 31 | 13 | 3.2% | 6.38% | #346 |
What The Central Trust Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 10 | 2 | 1 | 10.0% |
| Pierce County | 7 | 2 | 0 | 0.0% |
| Snohomish County | 4 | 3 | 0 | 0.0% |
| Kitsap County | 3 | 2 | 0 | 0.0% |
| Grays Harbor County | 2 | 1 | 0 | 0.0% |
| Clallam County | 2 | 1 | 0 | 0.0% |
| Whatcom County | 1 | 1 | 0 | 0.0% |
| Island County | 1 | 1 | 0 | 0.0% |
| Spokane County | 1 | 0 | 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: 31 applications in 2025, of which 13 were originated and 1 denied.
3.2% of all applications, or 6.3% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans The Central Trust Bank originated in Washington in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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