Verity mortgage approval rate & lending review
Verity decided 505 mortgage applications and funded 350 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Verity reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Verity at a glance
Approval is 3.2 points above the 66.9% 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 | 64% | 16 / 25 | 100% | $255K | 16 |
| Home improvement loans | 73% | 245 / 337 | 99% | $105K | 243 |
| Refinance | 68% | 69 / 102 | 97% | $155K | 67 |
Verity lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 70% | $105K | 504 | 350 |
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 Verity lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| King County, WA | Home improvement loans | 72% | 194 | 138 |
| Snohomish County, WA | Home improvement loans | 78% | 85 | 66 |
| King County, WA | Refinance | 71% | 58 | 39 |
| Pierce County, WA | Home improvement loans | 69% | 36 | 25 |
| Snohomish County, WA | Refinance | 58% | 24 | 14 |
The county markets where Verity made the most loans. Each link opens that market with every lender ranked.
Questions about Verity
What is Verity's mortgage approval rate?
Verity approved 70.1% of the 505 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.2 points above the 66.9% national rate for the same mix of loan types.
How often do borrowers take the loan Verity offers?
Borrowers accepted 99% of the loans Verity approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Verity make?
The typical home improvement loan loan Verity made was $105K; across all loan types its typical loan ran from $105K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Verity lend?
Verity decided applications in 2 of the states Fat Boy Data covers, most of them in Washington and Georgia.
Can I apply to Verity directly?
Yes. Verity 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 Verity'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 Verity treats applications, then get a rate quote from the lender.