Mortgage Lenders and Brokers in Cottage Lake, 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
Cottage Lake, Washington mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA504 N Olympic Ave, Arlington, WA 98223A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.910 O Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 2.85%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, Bank of America NABank of America NA3230 172nd St Ne, Arlington, WA 98223A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA1018 8th St, Anacortes, WA 98221A+5.0 ★Texas Ratio: 5.36%, 1st Security Bank of Washington1st Security Bank of Washington100 W 1st St, Aberdeen, WA 98520A+5.0 ★Texas Ratio: 4.31%, Keybank National AssociationKeybank National Association100 N Broadway St, Aberdeen, WA 98520A+5.0 ★Texas Ratio: 4.81%, Columbia BankColumbia Bank404 North West Avenue, Arlington, WA 98223A+5.0 ★Texas Ratio: 2.28%, Washington Trust BankWashington Trust Bank10500 Ne 8th St, Bellevue, WA 98004A+5.0 ★Texas Ratio: 4.63%, and Hsbc Bank USA, NAHsbc Bank USA, NA196 Bellevue Way Ne, Bellevue, WA 98004A+5.0 ★Texas Ratio: 4.86%. 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 Cottage Lake, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cottage Lake 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 Cottage Lake, Washington
Market share is the lender's share of all home loans closed in Cottage Lake, 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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504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 31 +1 HELOCs |
8.1% | 93.9% | $1,382,741 | View |
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910 O Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 26 +8 HELOCs |
6.8% | 83.9% | $1,576,153 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, Jumbo, HELOC | 20 +76 HELOCs |
5.2% | 87% | $1,033,000 | |
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3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 19 +21 HELOCs |
4.9% | 100% | $1,159,736 | View |
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1018 8th St, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 13 | 3.4% | 92.9% | $1,955,000 | View |
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100 W 1st St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.31% |
Conventional, Jumbo | 4 | 1% | 100% | $1,605,000 | View |
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100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.8% | 50% | $1,045,000 | View |
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404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +4 HELOCs |
0.5% | 100% | $870,000 | View |
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10500 Ne 8th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 4.63% |
Conventional | 2 | 0.5% | 100% | $870,000 | View |
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196 Bellevue Way Ne, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 2 | 0.5% | 66.7% | $1,100,000 | View |
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300 110th Ave Ne, Bellevue, WA 98004 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 2 | 0.5% | 100% | $2,305,000 | View |
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1400 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.91% |
Conventional, Jumbo, HELOC | 1 +6 HELOCs |
0.3% | 100% | $3,005,000 | View |
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921 Hildebrand Ln Ne, Bainbridge Island, WA 98110 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,735,000 | View |
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10900 Ne 4th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,095,000 | View |
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1202 Outlet Collection Way SW Ste 107, Auburn, WA 98001 6541 A5.0 ★Texas Ratio: 8.08% |
Conventional | 1 | 0.3% | 50% | $45,000 | View |
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244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,475,000 | View |
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1017 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 4.48% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,425,000 | View |
Sammamish Mortgage Company
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Conventional, Jumbo | 5 | 1.3% | 83.3% | $999,000 | |
Evergreen Moneysource Mortgage Company
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,105,000 | |
Whatcom Educational Credit Uni
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,015,000 | |
HomeStreet Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, Jumbo | 38 | 9.9% | 90.9% | $791,842 | |
Cmg Mortgage Inc
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Conventional, Jumbo, HELOC | 15 +2 HELOCs |
3.9% | 100% | $991,666 | |
Movement Mortgage, LLC
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Conventional, VA, Jumbo | 15 | 3.9% | 100% | $945,666 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 14 +3 HELOCs |
3.6% | 77.8% | $1,026,428 | |
First Technology Federal Credit Union
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Conventional, Jumbo, HELOC | 12 +9 HELOCs |
3.1% | 92.3% | $1,056,666 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 11 | 2.9% | 91.7% | $801,363 | |
Originpoint, LLC
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Conventional, FHA, VA, Jumbo | 10 | 2.6% | 90.9% | $1,068,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 8 | 2.1% | 100% | $887,500 | |
Guild Mortgage Company
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Conventional, Jumbo | 8 | 2.1% | 100% | $1,042,500 | |
Fairway Independent Mort Corp
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Conventional, Jumbo | 8 | 2.1% | 100% | $853,750 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo, HELOC | 5 +1 HELOCs |
1.3% | 83.3% | $1,071,000 | |
Newrez LLC
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Conventional, Jumbo | 5 | 1.3% | 50% | $889,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 5 | 1.3% | 83.3% | $1,459,000 | View |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
1% | 100% | $942,500 | View |
Better Mortgage Corporation
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Conventional, HELOC | 4 +1 HELOCs |
1% | 50% | $657,500 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, Jumbo | 4 | 1% | 100% | $925,000 | View |
Generations Home Loans, LLC
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Conventional, Jumbo | 4 | 1% | 100% | $1,032,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +3 HELOCs |
0.8% | 100% | $548,333 | |
Global Federal Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
0.8% | 100% | $945,000 | |
loanDepot.com LLC
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Conventional, FHA, Jumbo | 3 | 0.8% | 100% | $1,031,666 | |
General Mortgage Capital Corporation
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Conventional | 3 | 0.8% | 100% | $778,333 | |
Nfm, Inc
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Conventional | 3 | 0.8% | 75% | $911,666 | |
American Pacific Mortgage Corporation
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Conventional | 3 | 0.8% | 100% | $728,333 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 3 | 0.8% | 100% | $968,333 | View |
The Loan Store, Inc
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Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.5% | 100% | $1,085,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.5% | 100% | $1,890,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.5% | 33.3% | $180,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,270,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 2 | 0.5% | 66.7% | $970,000 | View |
Deephaven Mortgage LLC
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Conventional | 2 | 0.5% | 100% | $630,000 | |
American Financial Network, Inc.
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,540,000 | |
Bay Equity LLC
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,050,000 | |
Ony Glo, Inc.
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Conventional | 2 | 0.5% | 100% | $740,000 | |
Member First Mortgage, LLC
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Conventional, Jumbo | 2 | 0.5% | 50% | $1,060,000 | |
Zillow Home Loans, LLC
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,350,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,155,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,285,000 | View |
Digital Federal Credit Union
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,115,000 | |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,785,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $675,000 | View |
Everett Financial, Inc.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,205,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 50% | $255,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Kind Lending, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,295,000 | |
PHH Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $3,005,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.3% | 100% | $755,000 | View |
Synergy One Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $1,015,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,445,000 | View |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,895,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.3% | 100% | $915,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.3% | 100% | $1,005,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.3% | 100% | $1,015,000 | View |
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A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.3% | 100% | $505,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Direct Mortgage Loans, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,305,000 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 0.3% | 50% | $1,285,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $975,000 | |
RBC Bank (Georgia), N.A.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,345,000 | |
Nuvision Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $735,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 50% | $645,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 100% | $775,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,365,000 | |
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A5.0 ★Texas Ratio: 10.53% |
Conventional | 1 | 0.3% | 100% | $835,000 | |
Alliant Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cottage Lake 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 Cottage Lake, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Cottage Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cottage Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cottage Lake, WA
Use these to narrow the list above. Each category shows how many Cottage Lake, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Cottage Lake, WA
Independent mortgage companies closed 52.1 percent of home loans in Cottage Lake, Washington in 2025, banks 36.7 percent and credit unions 11.2 percent. Sammamish Mortgage Company was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Boeing Employees' Credit Union the largest credit union. Among lenders headquartered in Washington, Boeing Employees' Credit Union led with 20 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 Cottage Lake, WA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Cottage Lake, Washington with 31 loans, about 8.1 percent of the market. The largest lender headquartered in Washington was Boeing Employees' Credit Union with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Cottage Lake, Washington in 2025, led by Rocket Mortgage with 1. 4 lenders closed VA loans, led by Movement Mortgage, LLC. 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. 35 banks and 15 credit unions closed home loans in Cottage Lake, Washington in 2025, alongside 47 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 Cottage Lake, 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 Cottage Lake, 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 Cottage Lake. 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.
