V.i.p. Mortgage in Washington vs the state
1.6%Denial rate-14.02 pts vs state
2.0%Decision denial rate-17.56 pts vs state
80.5%Origination rate+19.43 pts vs state
6.49%Median rate-0.13 pts vs state
0.26Rate spread (pts)+0.07 pts vs state
$120kMedian applicant income
99Loans originated
2Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 57 | 1.4% | 7.00% | #242 |
| 2024 | 144 | 112 | 2.1% | 6.50% | #194 |
| 2025 | 123 | 99 | 1.6% | 6.49% | #222 |
What V.i.p. Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cowlitz County | 72 | 61 | 0 | 0.0% |
| Snohomish County | 10 | 7 | 1 | 10.0% |
| Clark County | 10 | 8 | 0 | 0.0% |
| King County | 10 | 6 | 1 | 10.0% |
| Pierce County | 6 | 4 | 0 | 0.0% |
| Lewis County | 5 | 4 | 0 | 0.0% |
| Spokane County | 3 | 3 | 0 | 0.0% |
| Yakima County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Kitsap County | 1 | 1 | 0 | 0.0% |
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: 123 applications in 2025, of which 99 were originated and 2 denied.
1.6% of all applications, or 2.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans V.i.p. Mortgage originated in Washington in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. Mortgage'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