Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Longview, WA
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Longview, WA HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| 20% to 29% | 126 | 15% |
| 30% to 35% | 128 | 15% |
| 36% to 42% | 218 | 16% |
| 43% to 49% | 198 | 20% |
| 50% to 60% | 81 | 60% |
| Over 60% | 73 | 89% |
If you were denied a HELOC in Longview, WA
2 of the six major home equity investment providers list Washington as a service area: Point, Splitero. See which could fit you.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 7.50% at today’s prime rate.
State rules: Washington.
Other metro areas in Washington
Seattle, WA (31%) · Bremerton, WA (31%) · Tacoma, WA (34%) · Everett, WA (31%) · Yakima, WA (43%) · Olympia, WA (30%) · All 358 metro areas
Questions
What is the HELOC denial rate in Longview, WA?
Lenders denied 27.5% of the 879 HELOC applications they decided in the Longview-Kelso, WA metro area in 2025, below the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Longview, WA?
The most common first reason lenders gave was debt-to-income ratio (45% of denials with a reason reported).
What is a typical HELOC rate in Longview, WA?
The median starting rate on HELOCs opened in the Longview-Kelso, WA area in 2025 was 7.88%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 7.50%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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