Sound Credit Union
Sound Credit Union received 1,660 applications in 2025 and made 793 mortgages, in 43 counties across 10 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 1,286 decisions, 448 were denials — 34.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930021QRU8VXNS6152 |
|---|---|
| Applications received | 1,660 |
| Mortgages made | 793 |
| Denied | 448 |
| Approved, not taken up | 45 |
| Withdrawn or incomplete | 374 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.29 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 117 | 6.300% | $435,000 | 16.8% |
| Refinancing | 187 | 7.250% | $115,000 | 27.3% |
| Cash-out refinancing | 26 | 6.188% | $540,000 | 20.0% |
| Other purposes | 463 | 7.500% | $75,000 | 40.9% |
Where Sound Credit Union lends most
The 43 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pierce County, WA | 375 | 7.250% | 32.0% |
| King County, WA | 192 | 7.250% | 41.3% |
| Snohomish County, WA | 97 | 7.140% | 35.2% |
| Thurston County, WA | 43 | 6.750% | 30.2% |
| Kitsap County, WA | 31 | 6.750% | 27.3% |
| Mason County, WA | 8 | Under 10 loans | 20.0% |
| Lewis County, WA | 6 | Under 10 loans | 25.0% |
| Island County, WA | 5 | Under 10 loans | 14.3% |
| Kittitas County, WA | 4 | Under 10 loans | 20.0% |
| Skagit County, WA | 4 | Under 10 loans | 28.6% |
| Whatcom County, WA | 4 | Under 10 loans | 20.0% |
| Benton County, WA | 3 | Under 10 loans | 40.0% |
| Spokane County, WA | 3 | Under 10 loans | 0.0% |
| Chelan County, WA | 2 | Under 10 loans | 0.0% |
| Clallam County, WA | 2 | Under 10 loans | 33.3% |
| Yakima County, WA | 2 | Under 10 loans | 33.3% |
| Twin Falls County, ID | 1 | Under 10 loans | 0.0% |
| Clackamas County, OR | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Lane County, OR | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 75.0% |
| Cowlitz County, WA | 1 | Under 10 loans | 0.0% |
| Douglas County, WA | 1 | Under 10 loans | 50.0% |
| Grant County, WA | 1 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 1 | Under 10 loans | 50.0% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Okanogan County, WA | 1 | Under 10 loans | 0.0% |
| San Juan County, WA | 1 | Under 10 loans | 0.0% |
| Fairbanks North Star Borough, AK | 0 | Under 10 loans | Not published |
| Benton County, AR | 0 | Under 10 loans | 100.0% |
| Seminole County, FL | 0 | Under 10 loans | 100.0% |
| Ada County, ID | 0 | Under 10 loans | 100.0% |
| Blaine County, ID | 0 | Under 10 loans | Not published |
| Pipestone County, MN | 0 | Under 10 loans | 100.0% |
| Clatsop County, OR | 0 | Under 10 loans | 100.0% |
| Jackson County, OR | 0 | Under 10 loans | 100.0% |
| Multnomah County, OR | 0 | Under 10 loans | 100.0% |
| Philadelphia County, PA | 0 | Under 10 loans | 100.0% |
| Maury County, TN | 0 | Under 10 loans | Not published |
| Loudoun County, VA | 0 | Under 10 loans | Not published |
| Lincoln County, WA | 0 | Under 10 loans | 100.0% |
| Pacific County, WA | 0 | Under 10 loans | 100.0% |
| Walla Walla County, WA | 0 | Under 10 loans | Not published |
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When Sound Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.