Mortgage Lender Index

WASHINGTON STATE EMPLOYEES CREDIT UNION

WASHINGTON STATE EMPLOYEES CREDIT UNION received 4,352 applications in 2025 and made 2,130 mortgages, in 75 counties across 7 states. The median rate its borrowers got was 7.240% on a median loan of $105,000. Of 3,989 decisions, 1,840 were denials — 46.1%, most often for debt-to-income ratio.

Legal Entity Identifier5493000FWM3I2HHQY149
Applications received4,352
Mortgages made2,130
Denied1,840
Approved, not taken up19
Withdrawn or incomplete363
Loans bought from other lenders0
Median rate spread over the prime offer rate0.65 points
FDIC-insured bankThis 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

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase257 6.375%$395,000 15.0%
Refinancing102 7.240%$210,000 46.7%
Cash-out refinancing532 7.260%$145,000 34.4%
Other purposes1,239 7.420%$75,000 53.4%

Where WASHINGTON STATE EMPLOYEES CREDIT UNION lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Thurston County, WA 6877.240%36.2%
King County, WA 3057.240%48.8%
Pierce County, WA 2537.350%55.2%
Spokane County, WA 1887.240%38.1%
Snohomish County, WA 1277.470%53.6%
Lewis County, WA 1147.240%50.2%
Yakima County, WA 797.240%53.3%
Mason County, WA 557.240%44.4%
Whitman County, WA 467.240%29.2%
Grays Harbor County, WA 447.240%40.5%
Kittitas County, WA 397.500%45.1%
Kitsap County, WA 227.240%50.0%
Clark County, WA 207.240%60.0%
Clallam County, WA 127.630%45.5%
Benton County, WA 107.230%47.4%
Skagit County, WA 107.240%60.0%
Stevens County, WA 107.255%47.6%
Kootenai County, ID 8Under 10 loans42.9%
Island County, WA 7Under 10 loans68.2%
Latah County, ID 6Under 10 loans53.3%
Chelan County, WA 6Under 10 loans45.5%
Whatcom County, WA 6Under 10 loans70.0%
Multnomah County, OR 5Under 10 loans54.6%
Washington County, OR 5Under 10 loans44.4%
Cowlitz County, WA 5Under 10 loans50.0%
Pacific County, WA 5Under 10 loans54.6%
Walla Walla County, WA 5Under 10 loans50.0%
Grant County, WA 4Under 10 loans75.0%
Okanogan County, WA 4Under 10 loans60.0%
Asotin County, WA 3Under 10 loans25.0%
Douglas County, WA 3Under 10 loans57.1%
Lincoln County, WA 3Under 10 loans25.0%
Pend Oreille County, WA 3Under 10 loans50.0%
Bonner County, ID 2Under 10 loans60.0%
Deschutes County, OR 2Under 10 loans33.3%
Lincoln County, OR 2Under 10 loans0.0%
Polk County, OR 2Under 10 loans0.0%
Franklin County, WA 2Under 10 loans75.0%
Jefferson County, WA 2Under 10 loans50.0%
Klickitat County, WA 2Under 10 loans50.0%
San Juan County, WA 2Under 10 loans60.0%
Nez Perce County, ID 1Under 10 loans50.0%
Shoshone County, ID 1Under 10 loans0.0%
Valley County, ID 1Under 10 loans0.0%
Clackamas County, OR 1Under 10 loans66.7%
Coos County, OR 1Under 10 loans0.0%
Curry County, OR 1Under 10 loans50.0%
Josephine County, OR 1Under 10 loans50.0%
Marion County, OR 1Under 10 loans50.0%
Umatilla County, OR 1Under 10 loans66.7%

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When WASHINGTON STATE EMPLOYEES CREDIT UNION’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.