1st Security Bank of Washington: 2025 mortgage rates, costs & approvals
How 1st Security Bank of Washington priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: 1st Security Bank of Washington · LEI 5493003T5D4N1CM46J77
In 2025, 1st Security Bank of Washington originated 1,071 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 8 states — 435th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $8,750, 57% higher than the national median ($5,570).
It denied 2.3% of completed home-purchase applications (all lenders: 8.5%).
How 1st Security Bank of Washington priced home-purchase loans
| Purchase loans, 2025 | 1st Security Bank of Washington | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 5.875% | 6.250% |
| 30-year fixed rate · VA | 6.000% | 6.125% |
| 15-year fixed rate · conventional | 5.500% | 5.875% |
| Rate spread vs. APOR · conventional | +0.13 pts | +0.13 pts |
| Total loan costs · conventional | $8,750 | $5,570 |
| Total loan costs · FHA | $16,580 | $11,310 |
| Total loan costs · VA | $13,460 | $6,490 |
| Origination charges (all types) | $5,910 | $1,860 |
| Borrowers paying discount points | 84.5% | 51.3% |
| Points paid, when paid (% of loan) | 1.12% | 0.87% |
| Borrowers receiving lender credits | 58.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why 1st Security Bank of Washington denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where 1st Security Bank of Washington lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Washington | 985 | 1,032 | 2.4% | 6.500% | $8,790 |
| Oregon | 47 | 49 | 2.7% | — | $9,040 |
| Idaho | 15 | 15 | — | — | — |
| Arizona | 13 | 13 | — | — | — |
| California | 7 | 7 | — | — | — |
| Nevada | 2 | 2 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open 1st Security Bank of Washington's page for that state.
Counties where 1st Security Bank of Washington is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County, WA | 2 | 104 | 8.6% |
| Benton County, WA | 4 | 195 | 6.0% |
| Adams County, WA | 6 | 10 | 5.8% |
| Jefferson County, WA | 5 | 18 | 5.3% |
| Kittitas County, WA | 12 | 24 | 3.6% |
| Grant County, WA | 6 | 35 | 3.2% |
| Columbia County, WA | 17 | 1 | 1.8% |
| Morrow County, OR | 13 | 2 | 1.7% |
| Wahkiakum County, WA | 14 | 1 | 1.7% |
| Yakima County, WA | 15 | 35 | 1.6% |
| Grays Harbor County, WA | 16 | 16 | 1.5% |
| Umatilla County, OR | 18 | 14 | 1.5% |
| San Juan County, WA | 11 | 2 | 1.5% |
| Klickitat County, WA | 17 | 3 | 1.4% |
| Lincoln County, OR | 22 | 6 | 1.3% |
Check 1st Security Bank of Washington yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493003T5D4N1CM46J77.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from 1st Security Bank of Washington with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology