Finance Atlas

Banking & Mortgage-Lending Access in Washington

314 FDIC-insured institutions (30 currently active) are recorded in Washington in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 22.1% in Washington.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

314
FDIC institutions (total)
30
Currently active
22.1%
Overall denial rate (HMDA 2024)
153,279
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Washington?

FDIC BankFind records 314 FDIC-insured institutions (all historical) in Washington, of which 30 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 314
Currently active 30

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Washington?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Washington:

Charter class Description Count
NM State non-member bank (Fed non-member) 180
N National bank (OCC-chartered) 54
SL Savings institution (state-chartered S&L) 32
SI Savings institution (OTS-supervised) 24
SM State member bank (Fed member) 13
SB Savings bank (state-chartered) 10
NS Non-member savings bank (state-chartered) 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Washington? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 22.1% in Washington. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 22.1%
White applicants 21.2%
Black applicants 30.5%
Black/White denial rate ratio 1.44x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=WA

Mortgage origination volume in Washington (2024)

HMDA 2024 data record 153,279 originated mortgage loans in Washington , totaling $67.5B , with an average loan size of $440,440.

Metric Value
Originated loans (2024) 153,279
Total origination volume $67.5B
Average loan size $440,440

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=WA

Data exported June 20, 2026 · content hash ffdcd0d8b4de85c3 · machine-readable brief: /finance/states/wa/context.md

Where to act