County directory · Washington

CDFI lenders in Snohomish County, WA

5 have a bank or credit-union branch here. 10 more say they serve all of Washington. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 0
Based here: 0
Branch here: 5
Serve all of WA: 10

None of the lender websites we read names Snohomish County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Arlington, Bothell, Camano Island, Darrington, Edmonds, Everett, Gold Bar, Granite Falls, Index, Lake Stevens, Lynnwood, Marysville….

Lenders compared for Snohomish County

11 with local records

Lender	Local records	Loan sizes	Head office
1. Harborstone Credit Union Credit union, Lakewood WA	1 office here; 16 SBA loans here, FY2020–FY2026; 14 home loans here, 2025	ask	52 mi
2. Verity Credit Union Credit union, Seattle WA	1 office here; 25 home loans here, 2025	ask	17 mi
3. Seattle Metropolitan Credit Union Credit union, Seattle WA	1 office here; 11 home loans here, 2025	up to $250,000	26 mi
4. GTE Federal Credit Union Credit union, Tampa FL	14 home loans here, 2025	ask	2,524 mi
5. Champions Funding, LLC Loan fund, Gilbert AZ	13 home loans here, 2025	up to $3M	1,149 mi
6. Change Lending, LLC Loan fund, Anaheim CA	5 home loans here, 2025	up to $3.5M	999 mi
7. MortgageOne, Inc Loan fund, Carlsbad CA	5 home loans here, 2025	$25,000–$2M	1,051 mi
8. Kitsap Credit Union Credit union, Bremerton WA	4 home loans here, 2025	ask	35 mi
9. Rivermark Community Credit Union Credit union, Oregon City OR	3 home loans here, 2025	$500–$50,000	181 mi
10. Native American Bancorporation, Co. Bank holding company, Denver CO	1 office here	ask	1,022 mi
11. Native American Bank, N.A. Bank or thrift, Denver CO	1 office here	ask	1,022 mi

9 of these 11 lenders have received CDFI Fund awards, together $36.9M in fiscal years 1999–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

11 lenders

6 head offices and 37 branches or offices of 11 lenders on this page, within 45 miles of the centre of Snohomish County. Lenders with no office nearby may still lend here; many work by phone and online.

Banks and credit unions with a branch in this county

5 certified CDFIs have at least one office in Snohomish County (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 94 originated home loans for properties in Snohomish County in 2025 under the Home Mortgage Disclosure Act: 0.5% of the 19,765 home loans that all HMDA lenders reported here.

A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

Small business and SBA lending in Snohomish County

Official statistics

Median household income in Snohomish County is $111,246, 13% above the Washington figure of $98,141 (ACS 2020–2024).

Businesses here took 58.3 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Washington county (50.7), rank 13 of 39.

Measure	Snohomish County	Washington
Businesses with paid employees (CBP 2023)	20,258 (10.0% of the state)	202,177
…of which under 20 employees	88%	87%
Businesses without employees (Nonemployer Statistics 2023)	57,400	545,903
Median household income (ACS 2020–2024)	$111,246 (13% above the state)	$98,141
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	1,182 (1,072 7(a), 110 504)	10,783
…per 1,000 businesses with employees	58.3 (rank 13 of 39 Washington counties)	50.7 (median county)
Median SBA 7(a) loan, all lenders	$286,500	$210,000
…with a certified CDFI as lender, CDC or third-party lender	20 (2%)	247 (2%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.5 pts (525 loans; 7% at the SBA maximum)	2.75 pts (6% at the maximum)

Approvals by fiscal year: FY2020 138 · FY2021 166 · FY2022 136 · FY2023 124 · FY2024 218 · FY2025 189 · FY2026 211.

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

SBA loans made here by CDFIs

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 20 SBA approvals (17 7(a) loans and 3 504 projects) for borrowers in Snohomish County in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $14.1M approved.

CDFIs with 3 or more: Harborstone Credit Union (16). 3 more CDFIs made 1 or 2 each.

Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

282 loans and investments totaling $56M (median $75,000) were reported to the CDFI Fund for borrowers and projects in Snohomish County in fiscal year 2022, by 27 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home improvement	153	$21.5M	$100,000
Home purchase	45	$12.3M	$260,000
Non-real estate business	35	$2.4M	$50,000
Non-real estate microenterprise	24	$513,274	$16,045
Consumer	16	$183,825	$5,100
None of the listed purposes	5	$2.2M	$420,000
Other purposes	3	$6.9M

Of 155 individual borrowers whose income was reported, 62% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 5,083 consumer loans in Snohomish County totaling $86.8M (Consumer Loan Report, tract totals, so no median); they counted 37% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 146 · FY2019 96 · FY2020 146 · FY2021 517.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Say they serve all of Washington

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

Housing counseling

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.