Top 3 Mortgage Lenders in Oak Harbor

Whidbey Island Bank stands as the premier local mortgage lender serving Oak Harbor and Whidbey Island with deep community roots since 1996. As a community bank headquartered right in Oak Harbor, they offer personalized service and local underwriting decisions that national lenders can't match. Their mortgage team specializes in serving military families from Naval Air Station Whidbey Island with VA loans and understands the unique housing market of island living. With consistently high ratings for customer satisfaction and competitive rates, they provide the advantage of local decision-making combined with comprehensive mortgage products.

Sound Credit Union has been serving Washington communities since 1940 with a strong presence in Oak Harbor and throughout Island County. Their mortgage team brings extensive experience in navigating the unique Pacific Northwest real estate market, offering competitive rates and flexible terms. They excel at providing personalized guidance through the entire mortgage process, with particular expertise in first-time homebuyer programs and military family lending. As a member-owned financial cooperative, they prioritize member satisfaction over profits, resulting in exceptional customer service ratings and local market knowledge.

Caliber Home Loans maintains a strong local presence in Oak Harbor with experienced loan officers who understand the specific needs of Whidbey Island homebuyers. While part of a national mortgage lender, their Oak Harbor office operates with local expertise and personalized service. They have developed particular strength in serving military personnel and veterans with streamlined VA loan processing. The team is known for their responsive communication and ability to close loans efficiently, with many customers praising their knowledge of local market conditions and competitive rate offerings for both purchase and refinance transactions.