Zillow Home Loans in Washington vs the state
4.6%Denial rate-11.07 pts vs state
5.8%Decision denial rate-13.73 pts vs state
73.5%Origination rate+12.45 pts vs state
6.25%Median rate-0.38 pts vs state
0.09Rate spread (pts)-0.10 pts vs state
$135kMedian applicant income
369Loans originated
23Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 113 | 2.9% | 6.50% | #187 |
| 2024 | 266 | 205 | 4.5% | 6.50% | #141 |
| 2025 | 502 | 369 | 4.6% | 6.25% | #102 |
What Zillow Home Loans lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 193 | 142 | 9 | 4.7% |
| Snohomish County | 71 | 53 | 1 | 1.4% |
| Clark County | 60 | 52 | 4 | 6.7% |
| Pierce County | 52 | 36 | 5 | 9.6% |
| Spokane County | 36 | 22 | 1 | 2.8% |
| Thurston County | 16 | 10 | 1 | 6.3% |
| Kitsap County | 16 | 11 | 2 | 12.5% |
| Cowlitz County | 8 | 5 | 0 | 0.0% |
| Skagit County | 5 | 5 | 0 | 0.0% |
| Benton County | 5 | 4 | 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: 502 applications in 2025, of which 369 were originated and 23 denied.
4.6% of all applications, or 5.8% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Zillow Home Loans originated in Washington in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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