Village Capital & Investment in Washington vs the state
19.1%Denial rate+3.44 pts vs state
24.3%Decision denial rate+4.79 pts vs state
34.1%Origination rate-26.92 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$104kMedian applicant income
211Loans originated
118Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 341 | 67 | 14.4% | 6.13% | #119 |
| 2024 | 668 | 243 | 11.7% | 5.75% | #77 |
| 2025 | 618 | 211 | 19.1% | 5.75% | #87 |
What Village Capital & Investment lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pierce County | 163 | 54 | 37 | 22.7% |
| Thurston County | 58 | 16 | 14 | 24.1% |
| King County | 49 | 10 | 13 | 26.5% |
| Spokane County | 44 | 16 | 3 | 6.8% |
| Snohomish County | 43 | 14 | 12 | 27.9% |
| Clark County | 37 | 18 | 2 | 5.4% |
| Kitsap County | 36 | 17 | 1 | 2.8% |
| Benton County | 27 | 7 | 4 | 14.8% |
| Cowlitz County | 15 | 5 | 3 | 20.0% |
| Island County | 14 | 9 | 1 | 7.1% |
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: 618 applications in 2025, of which 211 were originated and 118 denied.
19.1% of all applications, or 24.3% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Village Capital & Investment originated in Washington in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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