WA · Statewide HMDA 2024
Washington mortgage lending
According to the CFPB HMDA 2024 Snapshot, 729 reporting lenders · 39 counties · 15 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Washington ranks #16 of 54 by application volume but #16 of 52 states with 10,000+ applications on origination share (55.3%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #16
- Origination-share rank of 52
- 55.3%
- Origination share
- 153,283
- Originated
- 15.7%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
277,281reported applications
CFPB HMDA state filing plate
State WA · Washington 15.7% denial
VOL-MID · DEN-MID · PHOTO-FINISH · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-MID #16/54
- DEN-MID 15.7%
- PHOTO-FINISH Colorado
- ORIG-LOW 55.3%
- BOOK-FULL 729 lenders
- LEAD-MIX 8% top
Photo-finish peer: Colorado · 15.7% denial (+0.0pp vs Washington)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Washington
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Washington: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (15.7% here).
Similar application volume
Nearest states by HMDA applications filed (277,281 here).
Top lenders by originations · Washington
Funded loans among HMDA-reporting institutions active in this state.
Where Washington sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
277,281 Top 30% higher than 70% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Washington
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Washington filed 277,281 HMDA-reported applications in 2024 (#16 of 54 by volume) with a 15.7% denial rate - near the national 17.2% baseline. White applicants (155,338 apps) show 16.6% denial; Asian applicants (32,209 apps) show 14.6% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Washington
Top HMDA-reporting lenders active in Washington. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Boeing Employees' Credit Union | 12,344 | 8.1% |
| 2 | United Wholesale Mortgage | 8,744 | 5.7% |
| 3 | Rocket Mortgage | 7,879 | 5.1% |
| 4 | Guild Mortgage Company | 5,129 | 3.3% |
| 5 | Movement Mortgage, LLC | 4,812 | 3.1% |
Reported outcomes by applicant race in Washington
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 155,338 | 61.6% | 16.6% |
| Asian | 32,209 | 57.9% | 14.6% |
| Joint | 11,558 | 65.3% | 14.0% |
| Black or African American | 8,383 | 51.7% | 22.6% |
| American Indian or Alaska Native | 2,356 | 50.9% | 23.7% |
| Native Hawaiian or Other Pacific Islander | 1,464 | 51.4% | 23.4% |
| 2 or more minority races | 940 | 55.3% | 22.0% |
Every county in Washington, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| King County | 66,715 | 37,257 | 14.6% | $652,184 |
| Pierce County | 37,538 | 20,414 | 17.1% | $359,647 |
| Snohomish County | 31,888 | 17,571 | 15.5% | $458,774 |
| Spokane County | 20,831 | 11,841 | 15.6% | $278,388 |
| Clark County | 20,121 | 11,283 | 15.6% | $362,586 |
| Thurston County | 12,466 | 6,961 | 15.3% | $343,295 |
| Kitsap County | 11,827 | 6,613 | 13.4% | $379,927 |
| Benton County | 8,205 | 4,893 | 14.7% | $295,447 |
| Whatcom County | 7,366 | 4,186 | 14.3% | $381,774 |
| Yakima County | 6,703 | 3,582 | 20.4% | $240,162 |
| Cowlitz County | 4,901 | 2,745 | 15.1% | $257,752 |
| Skagit County | 4,331 | 2,401 | 16.5% | $335,418 |
| Island County | 3,857 | 2,067 | 16.1% | $352,651 |
| Lewis County | 3,645 | 1,892 | 20.3% | $274,037 |
| Grays Harbor County | 3,395 | 1,810 | 16.8% | $249,677 |
| Mason County | 3,389 | 1,877 | 15.5% | $292,592 |
| Franklin County | 3,362 | 1,917 | 16.6% | $283,111 |
| Grant County | 3,321 | 1,831 | 18.8% | $246,325 |
| Chelan County | 2,720 | 1,442 | 18.3% | $382,320 |
| Clallam County | 2,616 | 1,456 | 14.9% | $305,138 |
| Kittitas County | 2,100 | 1,234 | 15.1% | $422,686 |
| Walla Walla County | 1,952 | 1,075 | 15.2% | $264,626 |
| Stevens County | 1,763 | 855 | 22.5% | $244,524 |
| Douglas County | 1,588 | 899 | 15.2% | $332,393 |
| Okanogan County | 1,196 | 619 | 17.8% | $247,508 |
| Jefferson County | 1,156 | 595 | 17.6% | $316,401 |
| Pacific County | 1,090 | 588 | 16.5% | $253,394 |
| Whitman County | 1,046 | 597 | 16.0% | $259,924 |
| Asotin County | 740 | 434 | 13.9% | $228,811 |
| Klickitat County | 733 | 348 | 21.3% | $280,307 |
| San Juan County | 671 | 331 | 21.2% | $417,101 |
| Pend Oreille County | 617 | 316 | 18.0% | $257,869 |
| Adams County | 533 | 265 | 21.0% | $230,253 |
| Lincoln County | 532 | 273 | 18.6% | $223,327 |
| Skamania County | 491 | 267 | 15.9% | $344,450 |
| Wahkiakum County | 196 | 93 | 18.4% | $270,204 |
| Ferry County | 188 | 90 | 16.5% | $230,798 |
| Columbia County | 167 | 85 | 22.8% | $196,317 |
| Garfield County | 85 | 51 | 12.9% | $170,647 |
Metro Areas in Washington
Frequently Asked Questions
How many mortgage applications were filed in Washington?
Where does Washington sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Washington?
What is the average mortgage loan amount in Washington?
How many mortgage lenders operate in Washington?
How do mortgage denial rates vary by demographics in Washington?
Which counties in Washington have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.