Bank of Washington mortgage approval rate & lending review
Bank of Washington decided 399 mortgage applications and funded 373 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Washington reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Washington at a glance
Approval is 10.7 points above the 84.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 262 / 269 | 99% | $225K | 259 |
| Refinance | 85% | 34 / 40 | 100% | $195K | 34 |
| Investment property purchase | 100% | 53 / 53 | 96% | $125K | 51 |
Bank of Washington lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 95% | $225K | 390 | 364 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Washington lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, MO | Mortgage lenders | 98% | 219 | 211 |
| Franklin County, MO | Refinance | 89% | 38 | 34 |
| Franklin County, MO | Investment property purchase | 100% | 27 | 27 |
The county markets where Bank of Washington made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Washington
What is Bank of Washington's mortgage approval rate?
Bank of Washington approved 95.5% of the 399 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 84.8% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Washington offers?
Borrowers accepted 98% of the loans Bank of Washington approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Washington make?
The typical home purchase mortgage loan Bank of Washington made was $225K; across all loan types its typical loan ran from $125K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Washington lend?
Bank of Washington decided applications in 7 of the states Fat Boy Data covers, most of them in Missouri, Oregon and South Carolina.
Can I apply to Bank of Washington directly?
Yes. Bank of Washington is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Washington's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Washington treats applications, then get a rate quote from the lender.