Lender in Washington · HMDA 2025
Washington State Employees Credit Union mortgages in Washington
Washington State Employees Credit Union's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Washington State Employees Credit Union originated 342 owner-occupied single-family loans in Washington from 446 completed applications.
Its median conventional purchase loan costs were $4,280 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
342
of 446 applications
Denial rate
15.1%
Purchase · WA 5.9%
Rate spread
+0.23 pts
Conv. · WA +0.10 pts
Loan amount
$385,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 251 | 204 | 15.1% | 6.625% | +0.23 pts | $4,280 | $385,000 |
| Refinance | 52 | 30 | 34.6% | — | +0.23 pts | $3,500 | $305,000 |
| Cash-out refinance | 143 | 108 | 21.7% | 6.500% | +0.30 pts | $3,470 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Washington State Employees Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Thurston County | 10 | 105 | 2.4% |
| Whitman County | 10 | 9 | 2.1% |
| Lewis County | 11 | 26 | 2.3% |
| Pend Oreille County | 19 | 2 | 1.3% |
| Grays Harbor County | 25 | 11 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology