Mortgage Lenders and Brokers in Birch Bay, Washington
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Birch Bay, Washington mortgage lenders include US Bank, N.A.US Bank, N.A.910 O Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 2.85%, Industrial CU of Whatcom CountyIndustrial CU of Whatcom County1225 W Bakerview Rd Ste A, Bellingham, WA 98226 9691A+5.0 ★Texas Ratio: 1.33%, Peoples BankPeoples Bank1218 Commercial Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 0.88%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, Banner BankBanner Bank1400 Commercial Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 2.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA504 N Olympic Ave, Arlington, WA 98223A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1018 8th St, Anacortes, WA 98221A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA3230 172nd St Ne, Arlington, WA 98223A+5.0 ★Texas Ratio: 4.14%, First Fed BankFirst Fed Bank323 High School Rd Ne, Bainbridge Island, WA 98110A5.0 ★Texas Ratio: 12.33%, and 1st Security Bank of Washington1st Security Bank of Washington100 W 1st St, Aberdeen, WA 98520A+5.0 ★Texas Ratio: 4.31%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Birch Bay, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Birch Bay are listed first, then lenders elsewhere in Washington, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Birch Bay, Washington
Market share is the lender's share of all home loans closed in Birch Bay, Washington. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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910 O Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 8 +4 HELOCs |
2.5% | 88.9% | $307,500 | View |
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1225 W Bakerview Rd Ste A, Bellingham, WA 98226 9691 A+5.0 ★Texas Ratio: 1.33% |
Conventional, VA, Jumbo | 8 | 2.5% | 88.9% | $451,250 | View |
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1218 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 0.88% |
Conventional, Jumbo, HELOC | 7 +6 HELOCs |
2.2% | 77.8% | $583,571 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, HELOC | 6 +8 HELOCs |
1.9% | 85.7% | $408,333 | |
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1400 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 5 +8 HELOCs |
1.6% | 62.5% | $281,000 | View |
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504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 4 | 1.2% | 100% | $440,000 | View |
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1018 8th St, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.9% | 75% | $415,000 | View |
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3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +6 HELOCs |
0.6% | 66.7% | $460,000 | View |
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323 High School Rd Ne, Bainbridge Island, WA 98110 A5.0 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.6% | 50% | $430,000 | View |
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100 W 1st St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.31% |
Conventional, FHA | 2 | 0.6% | 100% | $420,000 | View |
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20608 State Route 410 E, Bonney Lake, WA 98391 8366 A5.0 ★Texas Ratio: 8.21% |
Conventional | 2 | 0.6% | 100% | $355,000 | View |
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404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $995,000 | View |
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100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81% |
Conventional, Jumbo | 1 | 0.3% | 100% | $965,000 | View |
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24000 35th Ave SE # 200, Bothell, WA 98021 8990 A+5.0 ★Texas Ratio: 4.83% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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312 N Ruby St, Ellensburg, WA 98926 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,115,000 | View |
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1017 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 4.48% |
Conventional | 1 | 0.3% | 100% | $765,000 | View |
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3110 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.3% | 50% | $335,000 | View |
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5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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202 Front Ave SW, Castle Rock, WA 98611 A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA, VA | 28 | 8.7% | 100% | $468,571 | |
Whatcom Educational Credit Uni
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Conventional, VA, HELOC | 24 +26 HELOCs |
7.5% | 92.3% | $342,083 | |
HMDA LAR 2025-Final
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Conventional | 2 | 0.6% | 100% | $460,000 | |
Sammamish Mortgage Company
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Conventional | 1 | 0.3% | 100% | $465,000 | |
Wsecu
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Conventional, Jumbo | 1 | 0.3% | 50% | $955,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 25 | 7.8% | 92.9% | $517,400 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 23 | 7.1% | 79.3% | $288,478 | |
Movement Mortgage, LLC
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Conventional, FHA, Jumbo | 20 | 6.2% | 87% | $356,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 3.4% | 84.6% | $419,545 | |
Guild Mortgage Company
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Conventional, VA | 11 | 3.4% | 100% | $425,000 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 2.5% | 80% | $437,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 7 | 2.2% | 100% | $313,571 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
1.9% | 100% | $583,333 | |
Nationstar Mortgage
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Conventional | 6 | 1.9% | 100% | $105,000 | |
Mortgage Research Center
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VA | 6 | 1.9% | 66.7% | $513,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
1.6% | 100% | $315,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 1.2% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA | 4 | 1.2% | 100% | $270,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 4 | 1.2% | 100% | $265,000 | View |
RBC Bank (Georgia), N.A.
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Conventional, HELOC | 3 +2 HELOCs |
0.9% | 100% | $345,000 | |
Residential Wholesale Mortgage
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Conventional | 3 | 0.9% | 100% | $468,333 | |
Mutual of Omaha Mortgage
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Conventional, VA | 3 | 0.9% | 75% | $341,666 | |
The Loan Store, Inc
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Conventional, VA | 3 | 0.9% | 100% | $395,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +3 HELOCs |
0.6% | 100% | $155,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $330,000 | |
loanDepot.com LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $105,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $270,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 2 | 0.6% | 100% | $660,000 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.6% | 100% | $345,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 2 | 0.6% | 66.7% | $380,000 | |
Global Federal Credit Union
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Conventional, Jumbo | 2 | 0.6% | 100% | $450,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.6% | 66.7% | $600,000 | |
Nfm, Inc
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Conventional | 2 | 0.6% | 100% | $510,000 | |
21St Mortgage
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Conventional | 2 | 0.6% | 40% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.6% | 66.7% | $205,000 | View |
Paramount Residential Mortgage
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Conventional | 2 | 0.6% | 100% | $460,000 | |
Arc Home LLC
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Conventional | 1 | 0.3% | 100% | $765,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
Originpoint, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $815,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,085,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Directors Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $545,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 20% | $95,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
American Financing Corporation
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Conventional | 1 | 0.3% | 50% | $315,000 | |
Weichert Financial Services
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $555,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.3% | 100% | $455,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 1 | 0.3% | 50% | $1,105,000 | View |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.3% | 100% | $655,000 | View |
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A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $835,000 | |
New American Funding, LLC.
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VA | 1 | 0.3% | 100% | $505,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $885,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.3% | 100% | $755,000 | View |
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A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.3% | 100% | $695,000 | View |
Stanford Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $555,000 | |
Fairway Independent Mort Corp
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VA | 1 | 0.3% | 100% | $665,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $275,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $155,000 | |
First Technology Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.3% | 100% | $525,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Georgia'S Own Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Oregon Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Farmers Insurance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Idaho Central Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Birch Bay Mortgage Rate Trends
Daily average mortgage rates for Washington compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Birch Bay, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Birch Bay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Birch Bay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Birch Bay, WA
Use these to narrow the list above. Each category shows how many Birch Bay, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Birch Bay, WA
Independent mortgage companies closed 66.1 percent of home loans in Birch Bay, Washington in 2025, banks 17.7 percent and credit unions 16.1 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, US Bank, N.A. the largest bank and Industrial CU of Whatcom County the largest credit union. Among lenders headquartered in Washington, Industrial CU of Whatcom County led with 8 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Washington. Graduated state real estate excise tax paid by the seller: 1.1 percent up to $525,000, 1.28 percent from $525,000 to $1.525 million, 2.75 percent to $3.025 million and 3 percent above, plus local REET usually 0.25 to 0.5 percent; no mortgage tax.
More Washington Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Birch Bay, WA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Birch Bay, Washington with 8 loans, about 2.5 percent of the market. The largest lender headquartered in Washington was Industrial CU of Whatcom County with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Birch Bay, Washington in 2025, led by Movement Mortgage, LLC with 6. 18 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 28 banks and 18 credit unions closed home loans in Birch Bay, Washington in 2025, alongside 51 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Birch Bay, Washington during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Birch Bay, Washington for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Birch Bay. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
