Mortgage lenders in Island County
2,506 mortgages were made in Island County, Washington, in 2025, by 257 lenders. The median rate their borrowers got was 6.625% on a median loan of $385,000. Of 3,207 decisions, 563 were denials — 17.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 168 | 6.125% | $485,000 | 7.5% |
| Boeing Employees Credit Union | 166 | 6.063% | $175,000 | 25.7% |
| Rocket Mortgage, LLC | 166 | 6.625% | $365,000 | 9.5% |
| Navy Federal Credit Union | 158 | 7.750% | $135,000 | 25.2% |
| CMG MORTGAGE, INC. | 128 | 6.500% | $485,000 | 2.1% |
| GUILD MORTGAGE COMPANY | 108 | 6.375% | $375,000 | 3.4% |
| MOVEMENT MORTGAGE, LLC | 74 | 6.625% | $455,000 | 3.5% |
| Mortgage Research Center, LLC | 64 | 6.188% | $445,000 | 21.7% |
| Global Federal Credit Union | 64 | 6.625% | $330,000 | 21.7% |
| Peoples Bank | 61 | 7.500% | $185,000 | 21.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 56 | 6.788% | $480,000 | 1.7% |
| NEWREZ LLC | 48 | 6.500% | $405,000 | 22.2% |
| Fairway Independent Mortgage Corporation | 48 | 6.625% | $515,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 46 | 6.125% | $460,000 | 6.1% |
| Heritage Bank | 45 | 7.740% | $155,000 | 32.4% |
| PENNYMAC LOAN SERVICES, LLC | 42 | 6.188% | $425,000 | 12.5% |
| U.S. Bank National Association | 41 | 7.200% | $255,000 | 35.4% |
| Bank of America, National Association | 41 | 5.990% | $165,000 | 33.9% |
| Banner Bank | 41 | 7.625% | $405,000 | 20.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 31 | 6.750% | $525,000 | 3.1% |
| FREEDOM MORTGAGE CORPORATION | 29 | 5.750% | $395,000 | 15.0% |
| Loandepot.Com, LLC | 29 | 7.125% | $205,000 | 21.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 26 | 6.625% | $430,000 | 0.0% |
| Broker Solutions, Inc. | 25 | 6.875% | $385,000 | 16.7% |
| THE LOAN STORE, INC. | 24 | 6.933% | $335,000 | 3.1% |
| JPMorgan Chase Bank, National Association | 24 | 6.563% | $525,000 | 7.7% |
| NATIONSTAR MORTGAGE LLC | 24 | 7.490% | $155,000 | 11.1% |
| KIND LENDING, LLC | 22 | 6.625% | $500,000 | 21.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 21 | 6.490% | $405,000 | 0.0% |
| Wells Fargo Bank, National Association | 19 | 6.500% | $455,000 | 4.8% |
| FIGURE LENDING LLC | 18 | 9.875% | $105,000 | 30.3% |
| CORNERSTONE CAPITAL BANK, SSB | 18 | 6.313% | $490,000 | 0.0% |
| GUARANTEED RATE, INC. | 16 | 6.600% | $585,000 | 11.1% |
| Coastal Community Bank | 15 | 8.000% | $105,000 | 12.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 5.875% | $345,000 | 20.0% |
| ALLIANT CREDIT UNION | 15 | 7.750% | $155,000 | 22.7% |
| OriginPoint, LLC | 14 | 6.433% | $390,000 | 6.7% |
| Eastside Funding LLC | 13 | 12.000% | $215,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 5.750% | $405,000 | 48.0% |
| Paramount Residential Mortgage Group, Inc. | 12 | 6.438% | $505,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.250% | $325,000 | 0.0% |
| HomeStreet Bank | 11 | 7.750% | $465,000 | 15.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.313% | $605,000 | 0.0% |
| WHATCOM EDUCATIONAL CREDIT UNION | 10 | 7.250% | $75,000 | 26.7% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| 1st Security Bank of Washington | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 26.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 62.5% |
| Umpqua Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| WASHINGTON FEDERAL BANK | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 11.1% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 68.2% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GESA | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SCENIC OAKS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SaviBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sound Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 12.5% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| QUALSTAR CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 82.6% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| INDUSTRIAL CU OF WHATCOM COUNTY | 4 | Under 10 loans | Under 10 loans | 50.0% |
| IDAHO CENTRAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 37.5% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KITSAP Credit Union | 2 | Under 10 loans | Under 10 loans | 40.0% |
| HARBORSTONE | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sound Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NorthWest Plus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493009QB0KBU5M6NP90 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 91.7% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONPOINT COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Seattle Metropolitan Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HAPO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT RATE HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Potlatch No. 1 Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLUEBIRD HOME LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Solarity Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTH COAST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 57 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Island County
14 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Heritage Bank | 5 | $515.1 million |
| Wells Fargo Bank, National Association | 2 | $274.9 million |
| U.S. Bank National Association | 2 | $187.1 million |
| Peoples Bank | 2 | $97.7 million |
| JPMorgan Chase Bank, National Association | 1 | $95.4 million |
| Coastal Community Bank | 1 | $69.4 million |
| KeyBank National Association | 1 | $49.3 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- SAVIBANK, 1100 Ne 3rd Ave, Oak Harbor
- SAVIBANK, 1737 Main St, Freeland
Get told when this changes
When the next year’s lending figures are out for Island County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.