VERITY
VERITY received 275 applications in 2025 and made 143 mortgages, in 22 counties across 5 states. The median rate its borrowers got was 7.990% on a median loan of $105,000. Of 213 decisions, 70 were denials — 32.9%, most often for debt-to-income ratio. 17 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300XHF3PMRO08N352 |
|---|---|
| Applications received | 275 |
| Mortgages made | 143 |
| Denied | 70 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 62 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.76 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 | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Refinancing | 18 | 7.990% | $155,000 | 37.9% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 121 | 7.990% | $95,000 | 29.2% |
Where VERITY lends most
The 22 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 | 88 | 7.990% | 25.4% |
| Snohomish County, WA | 25 | 7.990% | 32.4% |
| Pierce County, WA | 18 | 7.990% | 30.8% |
| Kitsap County, WA | 3 | Under 10 loans | 0.0% |
| Clark County, WA | 2 | Under 10 loans | 33.3% |
| Skagit County, WA | 2 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 1 | Under 10 loans | 0.0% |
| Island County, WA | 1 | Under 10 loans | 0.0% |
| Jefferson County, WA | 1 | Under 10 loans | 50.0% |
| Okanogan County, WA | 1 | Under 10 loans | 50.0% |
| Thurston County, WA | 1 | Under 10 loans | 0.0% |
| Sebastian County, AR | 0 | Under 10 loans | Not published |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| Richmond County, GA | 0 | Under 10 loans | 100.0% |
| Philadelphia County, PA | 0 | Under 10 loans | Not published |
| Benton County, WA | 0 | Under 10 loans | 100.0% |
| Clallam County, WA | 0 | Under 10 loans | Not published |
| Franklin County, WA | 0 | Under 10 loans | Not published |
| Kittitas County, WA | 0 | Under 10 loans | 100.0% |
| Mason County, WA | 0 | Under 10 loans | Not published |
| San Juan County, WA | 0 | Under 10 loans | Not published |
| Spokane County, WA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When VERITY’s figures are published for the next year, or restated.
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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.