United Shore Financial Services in Washington vs the state
10.0%Denial rate-5.66 pts vs state
11.4%Decision denial rate-8.18 pts vs state
76.0%Origination rate+14.92 pts vs state
6.13%Median rate-0.50 pts vs state
0.00Rate spread (pts)-0.19 pts vs state
$134kMedian applicant income
10,462Loans originated
1,375Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,944 | 6,334 | 9.2% | 6.50% | #3 |
| 2024 | 11,159 | 8,744 | 9.3% | 6.37% | #2 |
| 2025 | 13,770 | 10,462 | 10.0% | 6.13% | #3 |
What United Shore Financial Services lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 2,598 | 2,005 | 241 | 9.3% |
| Pierce County | 2,081 | 1,532 | 223 | 10.7% |
| Snohomish County | 1,485 | 1,173 | 147 | 9.9% |
| Clark County | 1,150 | 894 | 109 | 9.5% |
| Spokane County | 1,093 | 836 | 109 | 10.0% |
| Thurston County | 717 | 545 | 76 | 10.6% |
| Kitsap County | 677 | 523 | 41 | 6.1% |
| Benton County | 599 | 471 | 56 | 9.3% |
| Whatcom County | 381 | 287 | 45 | 11.8% |
| Lewis County | 298 | 215 | 38 | 12.8% |
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% |
| 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% |
| Pennymac Loan Services | C | 5,091 | 10.9% | 6.50% |
Frequently asked questions
Washington: 13,770 applications in 2025, of which 10,462 were originated and 1,375 denied.
10.0% of all applications, or 11.4% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans United Shore Financial Services originated in Washington in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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