Mortgage lending in Island County, Washington
Lenders in Island County, Washington reported 4,063 mortgage applications for 2025, according to the CFPB.
4,063 mortgage applications and 2,506 loans originated in 2025; the denial rate was 17.6% of 3,208 applications decided. The median loan was about $385,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Island County, WA.
- 4,063
- Applications
- 2,506
- Loans originated
- 17.6%
- Denial rate
- 564 denied of 3,208 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,063 | 2,506 |
| 2024 | 3,547 | 2,068 |
| 2023 | 3,154 | 1,887 |
| 2022 | 5,042 | 3,106 |
| 2021 | 9,128 | 6,164 |
| 2020 | 9,539 | 6,536 |
| 2019 | 6,204 | 4,079 |
| 2018 | 5,117 | 3,328 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 168 | 219 |
| Rocket Mortgage | 166 | 207 |
| Boeing Employees' Credit Union | 166 | 274 |
| Navy Federal Credit Union | 158 | 305 |
| CMG Mortgage Inc | 128 | 180 |
| Guild Mortgage Company | 108 | 143 |
| Movement Mortgage, LLC | 74 | 101 |
| Mortgage Research Center | 64 | 128 |
| Global Federal Credit Union | 64 | 109 |
| Peoples Bank | 61 | 109 |
| Crosscountry Mortgage, LLC | 56 | 75 |
| Newrez LLC | 48 | 95 |
| Fairway Independent Mort Corp | 48 | 57 |
| Envoy Mortgage, LTD | 46 | 67 |
| Heritage Bank | 45 | 72 |
| Pennymac Loan Services LLC | 42 | 79 |
| US Bank, N.A. | 41 | 82 |
| Bank of America NA | 41 | 82 |
| Banner Bank | 41 | 59 |
| American Pacific Mortgage Corporation | 31 | 41 |
| loanDepot.com LLC | 29 | 48 |
| Freedom Mortgage Corporation | 29 | 69 |
| Evergreen Moneysource Mortgage Company | 26 | 38 |
| New American Funding, LLC. | 25 | 41 |
| The Loan Store, Inc | 24 | 36 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 27 | no rate: base under 50 |
| Asian | 156 | 19.5% of 118 decided |
| Black or African American | 74 | 23.2% of 56 decided |
| Native Hawaiian or Other Pacific Islander | 14 | no rate: base under 50 |
| White | 2,834 | 16.7% of 2,287 decided |
| 2 or more minority races | 15 | no rate: base under 50 |
| Joint | 217 | 18.3% of 164 decided |
| Race Not Available | 726 | 20.0% of 544 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 202 | 20.3% of 163 decided |
| Not Hispanic or Latino | 2,968 | 17.0% of 2,372 decided |
| Joint | 151 | 13.6% of 118 decided |
| Ethnicity Not Available | 742 | 20.2% of 555 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,165 | 20.4% of 905 decided |
| Female | 728 | 21.5% of 572 decided |
| Joint | 1,798 | 13.3% of 1,448 decided |
| Sex Not Available | 372 | 22.6% of 283 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 105 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved