Mortgage lenders in Skagit County
2,807 mortgages were made in Skagit County, Washington, in 2025, by 269 lenders. The median rate their borrowers got was 6.750% on a median loan of $335,000. Of 3,730 decisions, 743 were denials — 19.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Boeing Employees Credit Union | 259 | 6.490% | $105,000 | 26.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 186 | 6.125% | $495,000 | 10.3% |
| Rocket Mortgage, LLC | 182 | 6.875% | $305,000 | 16.3% |
| CMG MORTGAGE, INC. | 157 | 6.500% | $485,000 | 7.0% |
| Banner Bank | 131 | 6.875% | $225,000 | 29.0% |
| Peoples Bank | 111 | 7.500% | $185,000 | 25.8% |
| GUILD MORTGAGE COMPANY | 105 | 6.625% | $435,000 | 3.5% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 103 | 6.625% | $435,000 | 0.0% |
| WHATCOM EDUCATIONAL CREDIT UNION | 95 | 7.250% | $155,000 | 22.8% |
| MOVEMENT MORTGAGE, LLC | 70 | 6.688% | $450,000 | 3.5% |
| Navy Federal Credit Union | 69 | 7.750% | $145,000 | 19.8% |
| PENNYMAC LOAN SERVICES, LLC | 50 | 6.374% | $440,000 | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 49 | 6.750% | $455,000 | 5.8% |
| NEWREZ LLC | 46 | 6.625% | $360,000 | 17.9% |
| Bank of America, National Association | 43 | 5.990% | $145,000 | 45.1% |
| Broker Solutions, Inc. | 43 | 6.625% | $405,000 | 14.0% |
| Fairway Independent Mortgage Corporation | 41 | 6.625% | $505,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 38 | 6.875% | $440,000 | 2.6% |
| U.S. Bank National Association | 37 | 7.600% | $205,000 | 29.3% |
| Loandepot.Com, LLC | 37 | 7.750% | $195,000 | 28.3% |
| CORNERSTONE CAPITAL BANK, SSB | 30 | 6.625% | $470,000 | 0.0% |
| SPRING EQ, LLC | 28 | 8.938% | $75,000 | 49.1% |
| DIRECTORS MORTGAGE, INC. | 28 | 6.625% | $455,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 27 | 8.500% | $165,000 | 15.2% |
| KIND LENDING, LLC | 25 | 6.625% | $475,000 | 13.8% |
| FIGURE LENDING LLC | 24 | 9.800% | $75,000 | 25.6% |
| Heritage Bank | 24 | 7.740% | $230,000 | 28.6% |
| SaviBank | 23 | Not published | $415,000 | 8.0% |
| FREEDOM MORTGAGE CORPORATION | 22 | 6.063% | $440,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 22 | 7.000% | $230,000 | 8.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.375% | $300,000 | 15.4% |
| Mortgage Research Center, LLC | 21 | 6.250% | $505,000 | 30.0% |
| TRIAD FINANCIAL SERVICES, INC. | 20 | 8.575% | $145,000 | 31.5% |
| ENVOY MORTGAGE, LTD | 20 | 6.438% | $535,000 | 4.8% |
| Umpqua Bank | 19 | 7.250% | $235,000 | 40.6% |
| KeyBank National Association | 18 | 6.625% | $295,000 | 23.1% |
| NORTH COAST CREDIT UNION | 17 | Not published | $175,000 | 17.9% |
| GUARANTEED RATE, INC. | 16 | 6.950% | $520,000 | 10.5% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 7.875% | $185,000 | 61.0% |
| QUALSTAR CREDIT UNION | 15 | 6.990% | $85,000 | 11.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 7.750% | $185,000 | 17.7% |
| Global Federal Credit Union | 14 | 7.063% | $130,000 | 36.4% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.250% | $485,000 | 23.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.625% | $495,000 | 0.0% |
| THE LOAN STORE, INC. | 13 | 6.490% | $395,000 | 0.0% |
| Eastside Funding LLC | 12 | 12.000% | $265,000 | 0.0% |
| OriginPoint, LLC | 11 | 6.750% | $555,000 | 8.3% |
| ALLIANT CREDIT UNION | 11 | 7.750% | $255,000 | 25.0% |
| GESA | 11 | 7.500% | $175,000 | 0.0% |
| Click n' Close, Inc. | 11 | 6.375% | $375,000 | 0.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 10 | 7.240% | $75,000 | 60.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 7.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 69.2% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORSTONE | 6 | Under 10 loans | Under 10 loans | 62.5% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 1st Security Bank of Washington | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NorthWest Plus Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Sound Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FED BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 72.7% |
| WASHINGTON FEDERAL BANK | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 11.1% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INDUSTRIAL CU OF WHATCOM COUNTY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIORITY HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 37.5% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| IDAHO CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wallick & Volk, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 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% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 5493009QB0KBU5M6NP90 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIBRE | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TWINSTAR | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain Pacific Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sound Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED CANOE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 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% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EXPRESS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 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% |
| TIB National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 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 69 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Skagit County
30 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Banner Bank | 5 | $813.1 million |
| WaFd Bank | 4 | $414.7 million |
| Peoples Bank | 4 | $344.6 million |
| Heritage Bank | 3 | $335.5 million |
| KeyBank National Association | 3 | $108.2 million |
| Bank of America, National Association | 2 | $305.6 million |
| Wells Fargo Bank, National Association | 2 | $275.7 million |
| U.S. Bank National Association | 2 | $254.2 million |
| Bank of the Pacific | 2 | $58.8 million |
| JPMorgan Chase Bank, National Association | 1 | $182.7 million |
| Mountain Pacific Bank | 1 | $60.6 million |
| Columbia Bank | 1 | $44.7 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- SAVIBANK, 1020 S Burlington Blvd, Burlington
- SAVIBANK, 1725 E College Way, Mount Vernon
- SAVIBANK, 203 Ball St, Sedro Woolley
- SAVIBANK, 208 E Blackburn Rd, Ste 100, Mount Vernon
- SAVIBANK, 45872 Main St, Concrete
- SAVIBANK, 903 30th St, Anacortes
Get told when this changes
When the next year’s lending figures are out for Skagit 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.