Seattle Metropolitan Credit Union
Seattle Metropolitan Credit Union received 222 applications in 2025 and made 56 mortgages, in 19 counties across 2 states. The median rate its borrowers got was 7.000% on a median loan of $450,000. Of 98 decisions, 36 were denials — 36.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007QERYQSQ3QNH02 |
|---|---|
| Applications received | 222 |
| Mortgages made | 56 |
| Denied | 36 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 124 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.6035 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 40 | 6.813% | $645,000 | 10.6% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Cash-out refinancing | 10 | 10.115% | $260,000 | 57.7% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 66.7% |
Where Seattle Metropolitan Credit Union lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| King County, WA | 22 | 6.688% | 35.9% |
| Snohomish County, WA | 11 | 7.125% | 35.3% |
| Yakima County, WA | 10 | 7.375% | 35.3% |
| Pierce County, WA | 5 | Under 10 loans | 37.5% |
| Benton County, WA | 2 | Under 10 loans | 25.0% |
| Clatsop County, OR | 1 | Under 10 loans | 0.0% |
| Grant County, WA | 1 | Under 10 loans | 0.0% |
| Island County, WA | 1 | Under 10 loans | 50.0% |
| Kittitas County, WA | 1 | Under 10 loans | 0.0% |
| Mason County, WA | 1 | Under 10 loans | 0.0% |
| Spokane County, WA | 1 | Under 10 loans | 0.0% |
| Franklin County, WA | 0 | Under 10 loans | 0.0% |
| Jefferson County, WA | 0 | Under 10 loans | Not published |
| Kitsap County, WA | 0 | Under 10 loans | 100.0% |
| Lewis County, WA | 0 | Under 10 loans | Not published |
| Okanogan County, WA | 0 | Under 10 loans | Not published |
| Stevens County, WA | 0 | Under 10 loans | 100.0% |
| Thurston County, WA | 0 | Under 10 loans | 100.0% |
| Whatcom County, WA | 0 | Under 10 loans | Not published |
Get told when this changes
When Seattle Metropolitan Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.