Verity in Washington vs the state
25.5%Denial rate+9.81 pts vs state
32.6%Decision denial rate+13.01 pts vs state
52.8%Origination rate-8.29 pts vs state
7.99%Median rate+1.37 pts vs state
0.76Rate spread (pts)+0.57 pts vs state
$142kMedian applicant income
143Loans originated
69Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 378 | 210 | 28.0% | 8.50% | #107 |
| 2024 | 261 | 166 | 30.3% | 8.99% | #146 |
| 2025 | 271 | 143 | 25.5% | 7.99% | #162 |
What Verity lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Verity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 148 | 88 | 30 | 20.3% |
| Snohomish County | 50 | 25 | 12 | 24.0% |
| Pierce County | 29 | 18 | 8 | 27.6% |
| Clark County | 4 | 2 | 1 | 25.0% |
| Kitsap County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 3 | 1 | 1 | 33.3% |
| Kittitas County | 2 | 0 | 1 | 50.0% |
| Skagit County | 2 | 2 | 0 | 0.0% |
| Thurston County | 2 | 1 | 0 | 0.0% |
| Benton County | 2 | 0 | 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: 271 applications in 2025, of which 143 were originated and 69 denied.
25.5% of all applications, or 32.6% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Verity originated in Washington in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are Verity'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