Sound Community Bank
Sound Community Bank received 271 applications in 2025 and made 180 mortgages, in 27 counties across 5 states. The median rate its borrowers got was 8.125% on a median loan of $130,000. Of 246 decisions, 64 were denials — 26.0%, most often for other.
| Legal Entity Identifier | 549300U8DCOOTG96YM89 |
|---|---|
| Applications received | 271 |
| Mortgages made | 180 |
| Denied | 64 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.8035 points |
| FDIC-insured bank | Yes: Sound Community Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 122 | 8.375% | $125,000 | 15.8% |
| Refinancing | 11 | 6.750% | $375,000 | 38.9% |
| Cash-out refinancing | 47 | 8.125% | $135,000 | 38.5% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where Sound Community Bank lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clallam County, WA | 69 | 7.250% | 22.2% |
| King County, WA | 29 | 8.500% | 31.0% |
| Pierce County, WA | 17 | 8.375% | 45.2% |
| Snohomish County, WA | 16 | 8.875% | 15.8% |
| Thurston County, WA | 13 | 8.750% | 31.6% |
| Jefferson County, WA | 7 | Under 10 loans | 22.2% |
| Kitsap County, WA | 6 | Under 10 loans | 0.0% |
| Chelan County, WA | 3 | Under 10 loans | 0.0% |
| Mason County, WA | 3 | Under 10 loans | 25.0% |
| Whatcom County, WA | 3 | Under 10 loans | 0.0% |
| Island County, WA | 2 | Under 10 loans | 33.3% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Lane County, OR | 1 | Under 10 loans | 0.0% |
| Benton County, WA | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 0.0% |
| Douglas County, WA | 1 | Under 10 loans | 0.0% |
| Grant County, WA | 1 | Under 10 loans | 0.0% |
| Kittitas County, WA | 1 | Under 10 loans | 0.0% |
| Lewis County, WA | 1 | Under 10 loans | 0.0% |
| Skagit County, WA | 1 | Under 10 loans | 0.0% |
| Spokane County, WA | 1 | Under 10 loans | 0.0% |
| Malheur County, OR | 0 | Under 10 loans | 100.0% |
| Washington County, OR | 0 | Under 10 loans | 100.0% |
| Klickitat County, WA | 0 | Under 10 loans | 100.0% |
| San Juan County, WA | 0 | Under 10 loans | 100.0% |
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When Sound Community Bank’s figures are published for the next year, or restated.
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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.