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Washington Federal in Washington
HMDA record for properties in Washington, calendar year 2024. National record · Washington overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Washington, Washington Federal reported 1,453 applications and 643 originations for 2024, $342m in all.
Its denial rate in the state was 30.5%, above the Washington rate of 21.3% across all lenders and compared with the lender's national rate of 29.7%.
The median rate spread on its Washington originations was 0.7 percentage points (state median 0.4).
Applications in the state were down 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Washington | Washington, all lenders | Washington Federal, all states | United States |
|---|---|---|---|---|
| Denial rate | 30.5% | 21.3% | 29.7% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.1% | 15.8% | 8.8% | 15.6% |
| Average originated loan | $531k | $440k | $533k | $329k |
| Home purchase share | 51.8% | 54.5% | 52.9% | 57.0% |
| FHA-insured share | 0.0% | 9.9% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 8.6% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWashington, all lenders
Loan purpose and loan type in Washington
By purpose
Home purchase 52% (333)Home improvement 23% (151)Refinancing 3% (18)Cash-out refinancing 8% (54)Other purpose 14% (87)
By type
Conventional 100% (643)
Denial reasons as coded
Share of 288 denials in Washington by first denial reason coded (outlined bar: all lenders in the state).
Counties in Washington
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| King County | 398 | 171 | $128m | 29.7% |
| Snohomish County | 175 | 83 | $48m | 32.3% |
| Whatcom County | 114 | 61 | $25m | 28.2% |
| Skagit County | 92 | 43 | $13m | 32.8% |
| Pierce County | 76 | 30 | $14m | 34.7% |
| Chelan County | 55 | 28 | $12m | 24.3% |
| Island County | 51 | 26 | $14m | 23.5% |
| Thurston County | 40 | 23 | $7.3m | 7.7% |
| Kitsap County | 49 | 20 | $14m | 35.5% |
| Spokane County | 40 | 17 | $5.2m | 26.9% |
| Kittitas County | 29 | 16 | $13m | — |
| San Juan County | 43 | 15 | $6.1m | — |
| Grant County | 39 | 14 | $3.0m | — |
| Clallam County | 28 | 13 | $7.1m | — |
| Mason County | 25 | 11 | $6.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Washington Federal originate in Washington in 2024?
643 loans totalling $342m, from 1,453 applications reported for properties in Washington.
What is Washington Federal's denial rate in Washington?
30.5% of decided applications in Washington were denied, against 21.3% for all lenders in the state and 29.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Washington counties does Washington Federal lend in most?
By originations: King County (171), Snohomish County (83), Whatcom County (61), Skagit County (43), Pierce County (30).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Washington. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.