Mortgage Approval and Denial Rates in Washington (2025 HMDA)
Mortgage denial rates in Washington: lenders acted on 285,828 mortgage applications in Washington in 2025 and denied 15.6% of them, down from 17.2% in 2024. The national denial rate was 17.7%.
Applications acted on
285,828
Loans originated
174,653
Denial rate
15.6%
Median loan
$335,000
Washington against the national picture
Most-reported denial reason in Washington: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Garfield County | 101 | 24.8% | $205,000 |
| Ferry County | 190 | 21.1% | $200,000 |
| Yakima County | 7,428 | 19.9% | $215,000 |
| Adams County | 504 | 19.8% | $235,000 |
| San Juan County | 634 | 19.6% | $405,000 |
| Lincoln County | 558 | 19.4% | $195,000 |
| Stevens County | 1,968 | 19.2% | $225,000 |
| Okanogan County | 1,164 | 19.0% | $205,000 |
| Pend Oreille County | 711 | 19.0% | $245,000 |
| Wahkiakum County | 227 | 18.9% | $275,000 |
| Grant County | 3,463 | 18.3% | $245,000 |
| Lewis County | 4,001 | 17.7% | $275,000 |
| Chelan County | 2,952 | 17.7% | $315,000 |
| Franklin County | 3,298 | 17.5% | $265,000 |
| Pacific County | 1,103 | 17.5% | $235,000 |
| Mason County | 3,520 | 17.4% | $295,000 |
| Skamania County | 570 | 16.7% | $295,000 |
| Pierce County | 38,201 | 16.6% | $355,000 |
| Skagit County | 4,610 | 16.1% | $305,000 |
| Kittitas County | 2,222 | 16.1% | $335,000 |
| Columbia County | 180 | 16.1% | $210,000 |
| Douglas County | 1,647 | 16.0% | $305,000 |
| Spokane County | 21,877 | 15.9% | $255,000 |
| Thurston County | 12,763 | 15.8% | $335,000 |
| Snohomish County | 32,304 | 15.6% | $415,000 |
| Klickitat County | 829 | 15.6% | $265,000 |
| Clark County | 20,726 | 15.4% | $325,000 |
| Grays Harbor County | 3,398 | 15.2% | $235,000 |
| Walla Walla County | 1,925 | 15.0% | $255,000 |
| King County | 69,518 | 14.5% | $495,000 |
| Cowlitz County | 5,310 | 14.4% | $275,000 |
| Whatcom County | 7,708 | 14.3% | $335,000 |
| Whitman County | 1,197 | 14.3% | $235,000 |
| Jefferson County | 1,112 | 14.2% | $315,000 |
| Clallam County | 2,727 | 14.1% | $305,000 |
| Benton County | 8,572 | 14.0% | $295,000 |
| Kitsap County | 11,745 | 13.9% | $355,000 |
| Island County | 4,055 | 13.9% | $365,000 |
| Asotin County | 810 | 12.2% | $230,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.