U.S. Bank in Washington vs the state
27.6%Denial rate+11.95 pts vs state
33.4%Decision denial rate+13.88 pts vs state
53.7%Origination rate-7.41 pts vs state
6.63%Median rate0.00 pts vs state
0.18Rate spread (pts)-0.01 pts vs state
$166kMedian applicant income
3,524Loans originated
1,813Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,408 | 3,322 | 32.8% | 7.38% | #5 |
| 2024 | 6,471 | 3,364 | 29.4% | 6.99% | #6 |
| 2025 | 6,568 | 3,524 | 27.6% | 6.63% | #9 |
What U.S. Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 2,237 | 1,321 | 493 | 22.0% |
| Snohomish County | 918 | 514 | 219 | 23.9% |
| Pierce County | 647 | 327 | 225 | 34.8% |
| Clark County | 560 | 268 | 178 | 31.8% |
| Spokane County | 401 | 191 | 124 | 30.9% |
| Yakima County | 194 | 82 | 82 | 42.3% |
| Kitsap County | 188 | 106 | 46 | 24.5% |
| Whatcom County | 141 | 77 | 36 | 25.5% |
| Benton County | 125 | 54 | 38 | 30.4% |
| Grant County | 101 | 48 | 38 | 37.6% |
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% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
| Pennymac Loan Services | C | 5,091 | 10.9% | 6.50% |
Frequently asked questions
Washington: 6,568 applications in 2025, of which 3,524 were originated and 1,813 denied.
27.6% of all applications, or 33.4% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans U.S. Bank originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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