Mortgage Lenders and Brokers in Ocean Shores, 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
Ocean Shores, Washington mortgage lenders include Timberland BankTimberland Bank361 Damon Rd, Ocean Shores, WA 98569A+5.0 ★Texas Ratio: 3.23%, 1st Security Bank of Washington1st Security Bank of Washington698 Ocean Shores Boulevard, Ocean Shores, WA 98569A+5.0 ★Texas Ratio: 4.31%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, US Bank, N.A.US Bank, N.A.910 O Ave, Anacortes, WA 98221A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA504 N Olympic Ave, Arlington, WA 98223A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank404 North West Avenue, Arlington, WA 98223A+5.0 ★Texas Ratio: 2.28%, Peak Credit UnionPeak Credit Union900 POINT BROWN AVE NE, OCEAN SHORES, WA 98569A5.0 ★Texas Ratio: 7.97%, 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%, and First Fed BankFirst Fed Bank323 High School Rd Ne, Bainbridge Island, WA 98110A5.0 ★Texas Ratio: 12.33%. 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 Ocean Shores, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ocean Shores 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 Ocean Shores, Washington
Market share is the lender's share of all home loans closed in Ocean Shores, 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 Ocean Shores 361 Damon Rd, Ocean Shores, WA 98569 A+5.0 ★Texas Ratio: 3.23% |
Conventional | 5 | 1.3% | 62.5% | $219,000 | View |
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1 office in Ocean Shores 698 Ocean Shores Boulevard, Ocean Shores, WA 98569 A+5.0 ★Texas Ratio: 4.31% |
Conventional, VA, HELOC | 4 +3 HELOCs |
1% | 100% | $142,500 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, HELOC | 9 +12 HELOCs |
2.3% | 90% | $266,111 | |
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910 O Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 5 | 1.3% | 71.4% | $323,000 | View |
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504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 1% | 100% | $390,000 | View |
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404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28% |
Conventional, VA, HELOC | 3 +1 HELOCs |
0.8% | 100% | $455,000 | View |
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900 POINT BROWN AVE NE, OCEAN SHORES, WA 98569 A5.0 ★Texas Ratio: 7.97% |
Conventional, HELOC | 2 +15 HELOCs |
0.5% | 100% | $355,000 | View |
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3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $440,000 | View |
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1018 8th St, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.5% | 66.7% | $235,000 | View |
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323 High School Rd Ne, Bainbridge Island, WA 98110 A5.0 ★Texas Ratio: 12.33% |
USDA | 1 | 0.3% | 100% | $105,000 | View |
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51 NE State Route 300 Ste D, Belfair, WA 98528 8654 A5.0 ★Texas Ratio: 6.36% |
Conventional | 1 | 0.3% | 100% | $45,000 | 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% | 50% | $125,000 | View |
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145 W Chance A La Mer Nw, Ocean Shores, WA 98569 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
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1620 Lake Tapps PKWY SE Ste 101, Auburn, WA 98092 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
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1210 S Hayford Rd, Airway Heights, WA 99001 A+5.0 ★Texas Ratio: 2.22% |
Conventional | 1 | 0.3% | 100% | $495,000 | View |
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244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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20608 State Route 410 E, Bonney Lake, WA 98391 8366 A5.0 ★Texas Ratio: 8.21% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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19371 STATE ROUTE 410 E, Bonney Lake, WA 98391 A+5.0 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 50% | $215,000 | View |
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300 W Main St, Battle Ground, WA 98604 4410 A+5.0 ★Texas Ratio: 5.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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1218 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 0.88% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Evergreen Moneysource Mortgage Company
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Conventional | 4 | 1% | 100% | $360,000 | |
Wsecu
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Conventional, FHA, HELOC | 2 +2 HELOCs |
0.5% | 50% | $380,000 | |
Sammamish Mortgage Company
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Conventional, VA | 2 | 0.5% | 100% | $345,000 | |
HomeStreet Bank
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $475,000 | |
Olympia Federal Savings & Loan
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 50 | 12.6% | 76.8% | $268,800 | |
Guild Mortgage Company
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Conventional, FHA, VA | 28 | 7.1% | 100% | $243,928 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 26 +2 HELOCs |
6.6% | 83.9% | $356,153 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, VA | 25 | 6.3% | 89.3% | $263,400 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 17 | 4.3% | 90% | $327,941 | |
New American Funding, LLC.
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Conventional, FHA, VA | 16 | 4% | 100% | $218,125 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 11 | 2.8% | 100% | $322,272 | |
Mortgage Research Center
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Conventional, VA | 11 | 2.8% | 84.6% | $340,454 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 8 | 2% | 100% | $307,500 | |
Guaranteed Rate, Inc.
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Conventional, VA | 8 | 2% | 100% | $283,750 | |
Newrez LLC
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Conventional, VA | 8 | 2% | 88.9% | $233,750 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 8 | 2% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
1.5% | 100% | $338,333 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 6 | 1.5% | 100% | $233,333 | |
Greenbox Loans
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Conventional | 6 | 1.5% | 100% | $150,000 | |
loanDepot.com LLC
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Conventional, VA | 5 | 1.3% | 83.3% | $327,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 5 | 1.3% | 100% | $251,000 | View |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.3% | 100% | $275,000 | |
Nationstar Mortgage
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Conventional | 5 | 1.3% | 100% | $109,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 5 | 1.3% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 4 | 1% | 100% | $267,500 | View |
Freedom Mortgage Corporation
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FHA, VA | 3 | 0.8% | 100% | $278,333 | |
Pennymac Loan Services LLC
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Conventional | 3 | 0.8% | 60% | $128,333 | |
Synergy One Lending, Inc.
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Conventional | 3 | 0.8% | 100% | $221,666 | |
Credit Human Federal Credit Un
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Conventional | 3 | 0.8% | 100% | $241,666 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.8% | 100% | $238,333 | |
New Day Financial, LLC.
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VA | 3 | 0.8% | 50% | $301,666 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.5% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA | 2 | 0.5% | 100% | $275,000 | View |
Kind Lending, LLC
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Conventional | 2 | 0.5% | 100% | $535,000 | |
Bay Equity LLC
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Conventional | 2 | 0.5% | 66.7% | $275,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $380,000 | |
Planet Home Lending, LLC
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Conventional | 2 | 0.5% | 100% | $70,000 | |
Generations Home Loans, LLC
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Conventional | 2 | 0.5% | 100% | $210,000 | |
Tjc Mortgage Inc
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Conventional, FHA | 2 | 0.5% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 0.89% |
FHA | 2 | 0.5% | 100% | $445,000 | View |
Summit Funding.Inc
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Conventional | 2 | 0.5% | 100% | $215,000 | |
Lower, LLC
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Conventional | 2 | 0.5% | 100% | $250,000 | |
Paramount Residential Mortgage
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Conventional, VA | 2 | 0.5% | 100% | $515,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $75,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $555,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.3% | 100% | $245,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 14.3% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.3% | 100% | $385,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $485,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.3% | 100% | $505,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $255,000 | |
T2 Financial LLC
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VA | 1 | 0.3% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
V.I.P. Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $335,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.3% | 100% | $275,000 | |
First Continental Mortgage, Ltd.
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $345,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.3% | 50% | $365,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.3% | 100% | $225,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Compass Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $345,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 50% | $65,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $395,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Consolidated Community Credit
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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 | |
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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 |
Ocean Shores 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 Ocean Shores, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Ocean Shores? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ocean Shores in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ocean Shores, WA
Use these to narrow the list above. Each category shows how many Ocean Shores, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Ocean Shores, WA
Independent mortgage companies closed 80.6 percent of home loans in Ocean Shores, Washington in 2025, banks 12.4 percent and credit unions 7.1 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, Timberland Bank the largest bank and Boeing Employees' Credit Union the largest credit union. Among lenders headquartered in Washington, Timberland Bank led with 5 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 Ocean Shores, WA
By home loans closed in 2025, Timberland Bank was the largest mortgage lender in Ocean Shores, Washington with 5 loans, about 1.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ocean Shores, Washington, Rocket Mortgage approved the highest share of completed applications in 2025 at 76.8 percent, against a 87.1 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.
20 lenders closed FHA loans in Ocean Shores, Washington in 2025, led by Rocket Mortgage with 5. 27 lenders closed VA loans, led by Rocket 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. 29 banks and 14 credit unions closed home loans in Ocean Shores, Washington in 2025, alongside 65 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 Ocean Shores, 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 Ocean Shores, 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 Ocean Shores. 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.
