Mortgage Lenders and Brokers in Roy, 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
Roy, Washington mortgage lenders include Columbia BankColumbia Bank404 North West Avenue, Arlington, WA 98223A+5.0 ★Texas Ratio: 2.28%, Sound Credit UnionSound Credit Union1202 Outlet Collection Way SW Ste 107, Auburn, WA 98001 6541A5.0 ★Texas Ratio: 8.08%, TAPCO Credit UnionTAPCO Credit Union19371 STATE ROUTE 410 E, Bonney Lake, WA 98391A+5.0 ★Texas Ratio: 2.45%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, Keybank National AssociationKeybank National Association100 N Broadway St, Aberdeen, WA 98520A+5.0 ★Texas Ratio: 4.81%, Qualstar Credit UnionQualstar Credit Union24000 35th Ave SE # 200, Bothell, WA 98021 8990A+5.0 ★Texas Ratio: 4.83%, Mechanics BankMechanics Bank921 Hildebrand Ln Ne, Bainbridge Island, WA 98110A+5.0 ★Texas Ratio: 1.81%, Sunflower Bank, N.A.Sunflower Bank, N.A.244 W Main Ave, Spokane, WA 99201A5.0 ★Texas Ratio: 10.77%, Peak Credit UnionPeak Credit Union416 E MARKET ST, ABERDEEN, WA 98520A5.0 ★Texas Ratio: 7.97%, and Harborstone Credit UnionHarborstone Credit Union20608 State Route 410 E, Bonney Lake, WA 98391 8366A5.0 ★Texas Ratio: 8.21%. 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 Roy, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Roy 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 Roy, Washington
Market share is the lender's share of all home loans closed in Roy, 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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404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28% |
Conventional, VA, HELOC | 4 +1 HELOCs |
2.3% | 100% | $290,000 | View |
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1202 Outlet Collection Way SW Ste 107, Auburn, WA 98001 6541 A5.0 ★Texas Ratio: 8.08% |
Conventional | 3 | 1.7% | 100% | $618,333 | View |
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19371 STATE ROUTE 410 E, Bonney Lake, WA 98391 A+5.0 ★Texas Ratio: 2.45% |
Conventional | 3 | 1.7% | 75% | $141,666 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, HELOC | 2 +7 HELOCs |
1.2% | 100% | $385,000 | |
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100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 1.2% | 66.7% | $390,000 | View |
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24000 35th Ave SE # 200, Bothell, WA 98021 8990 A+5.0 ★Texas Ratio: 4.83% |
Conventional | 2 | 1.2% | 100% | $95,000 | View |
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921 Hildebrand Ln Ne, Bainbridge Island, WA 98110 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.6% | 100% | $385,000 | View |
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244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77% |
VA | 1 | 0.6% | 100% | $355,000 | View |
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416 E MARKET ST, ABERDEEN, WA 98520 A5.0 ★Texas Ratio: 7.97% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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20608 State Route 410 E, Bonney Lake, WA 98391 8366 A5.0 ★Texas Ratio: 8.21% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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504 N Olympic Ave, Arlington, WA 98223 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
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8665 Martin Way E, LACEY, WA 98516 A5.0 ★Texas Ratio: 9.15% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA | 2 | 1.2% | 100% | $490,000 | |
HomeStreet Bank
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Spokane Firefighters Credit Un
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Wsecu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 24 | 13.9% | 96% | $521,666 | |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 7.5% | 81.2% | $395,769 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 11 | 6.4% | 100% | $636,818 | |
Movement Mortgage, LLC
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Conventional, FHA | 10 | 5.8% | 100% | $469,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 7 | 4% | 100% | $589,285 | |
Mortgage Research Center
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VA | 6 | 3.5% | 66.7% | $536,666 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 2.9% | 100% | $533,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.9% | 83.3% | $297,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 5 | 2.9% | 100% | $467,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 2.9% | 100% | $337,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 4 | 2.3% | 100% | $457,500 | View |
Newrez LLC
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VA | 4 | 2.3% | 100% | $500,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 4 | 2.3% | 100% | $565,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
1.7% | 75% | $401,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 3 | 1.7% | 100% | $358,333 | |
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A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA | 3 | 1.7% | 100% | $301,666 | View |
Nationstar Mortgage
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Conventional | 3 | 1.7% | 100% | $218,333 | |
Guaranteed Rate, Inc.
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VA | 2 | 1.2% | 100% | $545,000 | |
Primelending
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Conventional, FHA | 2 | 1.2% | 100% | $300,000 | |
NOVA Financial & Investment Corporation
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Conventional, VA | 2 | 1.2% | 100% | $685,000 | |
Envoy Mortgage, Ltd
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FHA, VA | 2 | 1.2% | 100% | $475,000 | |
Global Federal Credit Union
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Conventional | 2 | 1.2% | 100% | $570,000 | |
Directors Mortgage, Inc
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Conventional, FHA | 2 | 1.2% | 100% | $400,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 1.2% | 100% | $215,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, VA | 2 | 1.2% | 100% | $385,000 | |
American Financial Resources LLC
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VA | 1 | 0.6% | 100% | $415,000 | |
Freedom Northwest Credit Union
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Kind Lending, LLC
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FHA | 1 | 0.6% | 100% | $725,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.6% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $315,000 | View |
United Trust Bank
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VA | 1 | 0.6% | 100% | $475,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 100% | $85,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.6% | 100% | $355,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.6% | 100% | $515,000 | |
Real Genius LLC
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Conventional | 1 | 0.6% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.6% | 100% | $465,000 | View |
T2 Financial LLC
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FHA | 1 | 0.6% | 100% | $415,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $515,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.6% | 100% | $495,000 | |
New American Funding, LLC.
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VA | 1 | 0.6% | 100% | $805,000 | |
Florida Capital Bank, N.A
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VA | 1 | 0.6% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $115,000 | View |
Paramount Residential Mortgage
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VA | 1 | 0.6% | 100% | $625,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.6% | 20% | $75,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.6% | 100% | $325,000 | |
Village Capital & Investment
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VA | 1 | 0.6% | 100% | $575,000 | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Roy 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 Roy, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Roy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Roy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Roy, WA
Use these to narrow the list above. Each category shows how many Roy, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Roy, WA
Independent mortgage companies closed 79.2 percent of home loans in Roy, Washington in 2025, banks 11.6 percent and credit unions 9.2 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, Columbia Bank the largest bank and Sound Credit Union the largest credit union. Among lenders headquartered in Washington, Sound Credit Union 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 Roy, WA
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Roy, Washington with 4 loans, about 2.3 percent of the market. The largest lender headquartered in Washington was Sound Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Roy, Washington in 2025, led by United Wholesale Mortgage with 8. 22 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. 16 banks and 14 credit unions closed home loans in Roy, Washington in 2025, alongside 38 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 Roy, 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 Roy, 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 Roy. 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.
