Sound Community Bank mortgage approval rate & lending review
Sound Community Bank decided 547 mortgage applications and funded 410 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sound Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sound Community Bank at a glance
Approval is 7.1 points below the 83.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 79% | 287 / 363 | 99% | $95K | 284 |
| Cash-out refinance | 66% | 54 / 82 | 98% | $95K | 53 |
| Refinance | 71% | 22 / 31 | 100% | $405K | 22 |
| Investment property purchase | 85% | 33 / 39 | 91% | $245K | 30 |
Sound Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 76% | $95K | 536 | 402 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Sound Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Thurston County, WA | Mortgage lenders | 76% | 38 | 29 |
The county markets where Sound Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Sound Community Bank
What is Sound Community Bank's mortgage approval rate?
Sound Community Bank approved 76.2% of the 547 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points below the 83.3% national rate for the same mix of loan types.
How often do borrowers take the loan Sound Community Bank offers?
Borrowers accepted 98% of the loans Sound Community Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Sound Community Bank make?
The typical home purchase mortgage loan Sound Community Bank made was $95K; across all loan types its typical loan ran from $95K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sound Community Bank lend?
Sound Community Bank decided applications in 8 of the states Fat Boy Data covers, most of them in Washington, Oregon and California.
Can I apply to Sound Community Bank directly?
Yes. Sound Community Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sound Community Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Sound Community Bank treats applications, then get a rate quote from the lender.