Twinstar in Washington vs the state
28.8%Denial rate+13.19 pts vs state
33.6%Decision denial rate+14.07 pts vs state
55.8%Origination rate-5.24 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)+0.05 pts vs state
$106kMedian applicant income
695Loans originated
359Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,354 | 637 | 36.2% | 8.25% | #47 |
| 2024 | 1,270 | 634 | 32.1% | 8.50% | #47 |
| 2025 | 1,245 | 695 | 28.8% | 7.50% | #54 |
What Twinstar lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Twinstar applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Thurston County | 484 | 283 | 130 | 26.9% |
| Lewis County | 256 | 133 | 75 | 29.3% |
| Grays Harbor County | 181 | 113 | 47 | 26.0% |
| Clark County | 117 | 62 | 35 | 29.9% |
| Pierce County | 80 | 47 | 22 | 27.5% |
| King County | 36 | 16 | 16 | 44.4% |
| Mason County | 25 | 13 | 6 | 24.0% |
| Pacific County | 18 | 6 | 8 | 44.4% |
| Snohomish County | 7 | 3 | 2 | 28.6% |
| Cowlitz County | 6 | 5 | 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: 1,245 applications in 2025, of which 695 were originated and 359 denied.
28.8% of all applications, or 33.6% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Twinstar originated in Washington in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Twinstar'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