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 Identifier | 5493000FWM3I2HHQY149 |
|---|---|
| Applications received | 4,352 |
| Mortgages made | 2,130 |
| Denied | 1,840 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 363 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.65 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 | 257 | 6.375% | $395,000 | 15.0% |
| Refinancing | 102 | 7.240% | $210,000 | 46.7% |
| Cash-out refinancing | 532 | 7.260% | $145,000 | 34.4% |
| Other purposes | 1,239 | 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.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Thurston County, WA | 687 | 7.240% | 36.2% |
| King County, WA | 305 | 7.240% | 48.8% |
| Pierce County, WA | 253 | 7.350% | 55.2% |
| Spokane County, WA | 188 | 7.240% | 38.1% |
| Snohomish County, WA | 127 | 7.470% | 53.6% |
| Lewis County, WA | 114 | 7.240% | 50.2% |
| Yakima County, WA | 79 | 7.240% | 53.3% |
| Mason County, WA | 55 | 7.240% | 44.4% |
| Whitman County, WA | 46 | 7.240% | 29.2% |
| Grays Harbor County, WA | 44 | 7.240% | 40.5% |
| Kittitas County, WA | 39 | 7.500% | 45.1% |
| Kitsap County, WA | 22 | 7.240% | 50.0% |
| Clark County, WA | 20 | 7.240% | 60.0% |
| Clallam County, WA | 12 | 7.630% | 45.5% |
| Benton County, WA | 10 | 7.230% | 47.4% |
| Skagit County, WA | 10 | 7.240% | 60.0% |
| Stevens County, WA | 10 | 7.255% | 47.6% |
| Kootenai County, ID | 8 | Under 10 loans | 42.9% |
| Island County, WA | 7 | Under 10 loans | 68.2% |
| Latah County, ID | 6 | Under 10 loans | 53.3% |
| Chelan County, WA | 6 | Under 10 loans | 45.5% |
| Whatcom County, WA | 6 | Under 10 loans | 70.0% |
| Multnomah County, OR | 5 | Under 10 loans | 54.6% |
| Washington County, OR | 5 | Under 10 loans | 44.4% |
| Cowlitz County, WA | 5 | Under 10 loans | 50.0% |
| Pacific County, WA | 5 | Under 10 loans | 54.6% |
| Walla Walla County, WA | 5 | Under 10 loans | 50.0% |
| Grant County, WA | 4 | Under 10 loans | 75.0% |
| Okanogan County, WA | 4 | Under 10 loans | 60.0% |
| Asotin County, WA | 3 | Under 10 loans | 25.0% |
| Douglas County, WA | 3 | Under 10 loans | 57.1% |
| Lincoln County, WA | 3 | Under 10 loans | 25.0% |
| Pend Oreille County, WA | 3 | Under 10 loans | 50.0% |
| Bonner County, ID | 2 | Under 10 loans | 60.0% |
| Deschutes County, OR | 2 | Under 10 loans | 33.3% |
| Lincoln County, OR | 2 | Under 10 loans | 0.0% |
| Polk County, OR | 2 | Under 10 loans | 0.0% |
| Franklin County, WA | 2 | Under 10 loans | 75.0% |
| Jefferson County, WA | 2 | Under 10 loans | 50.0% |
| Klickitat County, WA | 2 | Under 10 loans | 50.0% |
| San Juan County, WA | 2 | Under 10 loans | 60.0% |
| Nez Perce County, ID | 1 | Under 10 loans | 50.0% |
| Shoshone County, ID | 1 | Under 10 loans | 0.0% |
| Valley County, ID | 1 | Under 10 loans | 0.0% |
| Clackamas County, OR | 1 | Under 10 loans | 66.7% |
| Coos County, OR | 1 | Under 10 loans | 0.0% |
| Curry County, OR | 1 | Under 10 loans | 50.0% |
| Josephine County, OR | 1 | Under 10 loans | 50.0% |
| Marion County, OR | 1 | Under 10 loans | 50.0% |
| Umatilla County, OR | 1 | Under 10 loans | 66.7% |
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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.