Top 3 Mortgage Lenders in Lopez Island

WECU is a highly-rated credit union serving the entire Whatcom County and San Juan Islands region with exceptional mortgage services. They have built a strong reputation for personalized service and competitive rates specifically for island properties. Their mortgage team understands the unique challenges of financing homes in the San Juan Islands, including waterfront properties and rural lending considerations. With over 85 years in business, they offer local decision-making and deep community roots, making them a top choice for Lopez Island residents seeking reliable mortgage financing with excellent customer service.

Peoples Bank has been serving the North Puget Sound region for over a century and has extensive experience with San Juan Islands properties. Their Anacortes branch location makes them particularly accessible for Lopez Island residents, as Anacortes is the primary ferry terminal for the San Juans. They specialize in construction loans and unique property financing, which is valuable for the custom homes often found on Lopez Island. The bank maintains strong local relationships and understands the specific appraisal and insurance considerations for island properties, earning them consistently high customer satisfaction ratings.

Guild Mortgage has a strong presence in the San Juan Islands through their Anacortes office, which regularly serves Lopez Island clients. As a nationwide lender with deep local expertise, they offer the best of both worlds: competitive national rates combined with personalized local service. Their loan officers are experienced with the unique aspects of island property financing, including dealing with septic systems, wells, and the specific challenges of rural Washington lending. With over 60 years in business and excellent customer reviews, they provide reliable mortgage solutions with a focus on customer education and transparent processes.