Mortgage Lenders and Brokers in Oak Harbor, 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
Oak Harbor, Washington mortgage lenders include US Bank, N.A.US Bank, N.A.836 Ne Midway Blvd, Oak Harbor, WA 98277A+5.0 ★Texas Ratio: 2.85%, Peoples BankPeoples Bank570 Ne Midway Blvd, Oak Harbor, WA 98277A+5.0 ★Texas Ratio: 0.88%, Wells Fargo Bank NAWells Fargo Bank NA361 Se Pioneer Way, Oak Harbor, WA 98277A+5.0 ★Texas Ratio: 5.36%, Keybank National AssociationKeybank National Association90 Se Pioneer Way, Oak Harbor, WA 98277A+5.0 ★Texas Ratio: 4.81%, Heritage BankHeritage Bank450 Sw Bayshore Dr, Oak Harbor, WA 98277A+5.0 ★Texas Ratio: 1.04%, HMDA LAR 2025-FinalHMDA LAR 2025-FinalOak Harbor, WA, 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%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, and Washington Trust BankWashington Trust Bank10500 Ne 8th St, Bellevue, WA 98004A+5.0 ★Texas Ratio: 4.63%. 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 Oak Harbor, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Harbor 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 Oak Harbor, Washington
Market share is the lender's share of all home loans closed in Oak Harbor, 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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1 office in Oak Harbor 836 Ne Midway Blvd, Oak Harbor, WA 98277 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 5 +3 HELOCs |
0.7% | 55.6% | $425,000 | View |
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1 office in Oak Harbor 570 Ne Midway Blvd, Oak Harbor, WA 98277 A+5.0 ★Texas Ratio: 0.88% |
Conventional, VA, Jumbo, HELOC | 3 +11 HELOCs |
0.4% | 100% | $571,666 | View |
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1 office in Oak Harbor 361 Se Pioneer Way, Oak Harbor, WA 98277 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 3 | 0.4% | 100% | $448,333 | View |
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1 office in Oak Harbor 90 Se Pioneer Way, Oak Harbor, WA 98277 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 0.3% | 66.7% | $245,000 | View |
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1 office in Oak Harbor 450 Sw Bayshore Dr, Oak Harbor, WA 98277 A+5.0 ★Texas Ratio: 1.04% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
HMDA LAR 2025-Final
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Conventional | 2 | 0.3% | 100% | $595,000 | |
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1400 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.91% |
Conventional, VA, Jumbo, HELOC | 6 +6 HELOCs |
0.8% | 85.7% | $716,666 | View |
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504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 5 | 0.7% | 100% | $471,000 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, HELOC | 2 +14 HELOCs |
0.3% | 50% | $390,000 | |
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10500 Ne 8th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 4.63% |
Conventional, Jumbo | 2 | 0.3% | 100% | $690,000 | View |
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404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
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24000 35th Ave SE # 200, Bothell, WA 98021 8990 A+5.0 ★Texas Ratio: 4.83% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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14901 4th Ave SW Ste 107, Burien, WA 98166 A+5.0 ★Texas Ratio: 4.30% |
Conventional | 1 | 0.1% | 100% | $545,000 | View |
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3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1017 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 4.48% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA, VA | 5 | 0.7% | 100% | $341,000 | |
Whatcom Educational Credit Uni
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $165,000 | |
HomeStreet Bank
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.3% | 100% | $885,000 | |
Sammamish Mortgage Company
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Conventional | 1 | 0.1% | 100% | $455,000 | |
Basis Home Loans LLC
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Conventional | 1 | 0.1% | 100% | $805,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 77 +1 HELOCs |
10.7% | 97.5% | $495,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 75 +35 HELOCs |
10.5% | 77.5% | $282,333 | |
Guild Mortgage Company
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Conventional, FHA, VA | 61 | 8.5% | 94.1% | $378,442 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA, Jumbo, HELOC | 52 +3 HELOCs |
7.3% | 100% | $483,846 | |
Rocket Mortgage
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Conventional, FHA, VA | 51 | 7.1% | 92.7% | $315,000 | |
Mortgage Research Center
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VA | 45 | 6.3% | 79.3% | $432,777 | |
Envoy Mortgage, Ltd
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Conventional, FHA, VA, USDA | 35 | 4.9% | 97.2% | $473,857 | |
Global Federal Credit Union
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Conventional, VA, HELOC | 28 +3 HELOCs |
3.9% | 76.3% | $335,357 | |
Freedom Mortgage Corporation
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Conventional, VA | 22 | 3.1% | 96.3% | $453,181 | |
Pennymac Loan Services LLC
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Conventional, VA | 17 | 2.4% | 89.5% | $379,705 | |
Newrez LLC
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Conventional, VA | 15 | 2.1% | 93.8% | $407,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 15 | 2.1% | 100% | $481,666 | |
Primelending
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Conventional, FHA, VA | 12 | 1.7% | 100% | $437,500 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 11 | 1.5% | 100% | $395,909 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 11 | 1.5% | 100% | $408,636 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, VA | 10 | 1.4% | 100% | $523,000 | View |
New American Funding, LLC.
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Conventional, FHA, VA | 10 | 1.4% | 83.3% | $371,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo, HELOC | 8 +2 HELOCs |
1.1% | 72.7% | $445,000 | |
Nationstar Mortgage
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Conventional, VA | 8 | 1.1% | 88.9% | $157,500 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 7 | 1% | 80% | $303,571 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 6 | 0.8% | 100% | $450,000 | View |
Village Capital & Investment
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FHA, VA | 6 | 0.8% | 100% | $468,333 | |
American Pacific Mortgage Corporation
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Conventional, VA, Jumbo | 5 | 0.7% | 100% | $625,000 | |
Originpoint, LLC
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VA | 4 | 0.6% | 100% | $362,500 | |
Kind Lending, LLC
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Conventional, FHA, VA | 4 | 0.6% | 100% | $502,500 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 4 | 0.6% | 66.7% | $407,500 | View |
Paramount Residential Mortgage
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VA | 4 | 0.6% | 100% | $417,500 | |
JMAC Lending, Inc.
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Conventional, FHA | 4 | 0.6% | 100% | $407,500 | |
Cornerstone First Mortgage, LLC
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Conventional, VA | 3 | 0.4% | 100% | $485,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 0.4% | 44.4% | $351,666 | |
Bay Equity LLC
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VA | 3 | 0.4% | 100% | $615,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 2 +2 HELOCs |
0.3% | 100% | $530,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 40% | $85,000 | |
Amerisave Mortgage Company
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Conventional, HELOC | 2 +1 HELOCs |
0.3% | 20% | $115,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $455,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 2 | 0.3% | 100% | $450,000 | |
Guaranteed Rate, Inc.
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VA | 2 | 0.3% | 100% | $570,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.3% | 66.7% | $120,000 | |
Resicentral LLC
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Conventional | 2 | 0.3% | 100% | $300,000 | |
American Financial Network, Inc.
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FHA, VA | 2 | 0.3% | 100% | $385,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $240,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, VA | 2 | 0.3% | 100% | $555,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 100% | $115,000 | View |
Idaho Central Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.1% | 100% | $975,000 | View |
Alliant Credit Union
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Conventional | 1 | 0.1% | 100% | $315,000 | |
American Financial Resources LLC
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VA | 1 | 0.1% | 100% | $555,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.1% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
VA | 1 | 0.1% | 100% | $445,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional, Jumbo | 1 | 0.1% | 100% | $845,000 | View |
Filo Mortgage, LLC
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VA | 1 | 0.1% | 50% | $455,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, Jumbo | 1 | 0.1% | 100% | $845,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.1% | 100% | $435,000 | View |
Discover Bank
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Conventional | 1 | 0.1% | 25% | $125,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.1% | 50% | $475,000 | |
American Financing Corporation
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Bluebird Home Loans LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $495,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.1% | 50% | $545,000 | |
Generations Home Loans, LLC
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FHA | 1 | 0.1% | 100% | $425,000 | |
Intelliloan, Inc.
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VA | 1 | 0.1% | 100% | $375,000 | |
T2 Financial LLC
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VA | 1 | 0.1% | 100% | $435,000 | |
Waterstone Mortgage Corporation
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VA | 1 | 0.1% | 100% | $535,000 | |
Mission Loans, LLC
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FHA | 1 | 0.1% | 100% | $175,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
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A5.0 ★Texas Ratio: 7.51% |
VA | 1 | 0.1% | 100% | $405,000 | View |
Citadel Servicing Corporation
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 50% | $205,000 | |
Stanford Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $735,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.1% | 100% | $575,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $605,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
Star One Credit Union
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Oak Harbor 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 Oak Harbor, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Oak Harbor? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Harbor in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Harbor, WA
Use these to narrow the list above. Each category shows how many Oak Harbor, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Harbor, WA
Independent mortgage companies closed 73.4 percent of home loans in Oak Harbor, Washington in 2025, banks 10.9 percent and credit unions 15.8 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, US Bank, N.A. the largest bank and Boeing Employees' Credit Union the largest credit union. Among lenders headquartered in Washington, Peoples Bank led with 3 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 Oak Harbor, WA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Oak Harbor, Washington with 5 loans, about 0.7 percent of the market. The largest lender headquartered in Washington was Peoples Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oak Harbor, Washington, Cmg Mortgage Inc approved the highest share of completed applications in 2025 at 100 percent, against a 87.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Oak Harbor, Washington in 2025, led by Cmg Mortgage Inc with 7. 50 lenders closed VA loans, led by United Wholesale Mortgage, and 2 closed USDA rural loans. 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. 31 banks and 13 credit unions closed home loans in Oak Harbor, Washington in 2025, alongside 58 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 Oak Harbor, 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 Oak Harbor, 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 Oak Harbor. 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.
