WHATCOM EDUCATIONAL CREDIT UNION
WHATCOM EDUCATIONAL CREDIT UNION received 1,631 applications in 2025 and made 1,016 mortgages, in 25 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $155,000. Of 1,329 decisions, 301 were denials — 22.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493003Q3L1PO9NBVK64 |
|---|---|
| Applications received | 1,631 |
| Mortgages made | 1,016 |
| Denied | 301 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 302 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0405 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 | 279 | 6.375% | $455,000 | 8.8% |
| Refinancing | 49 | 5.939% | $430,000 | 27.9% |
| Cash-out refinancing | 179 | 7.250% | $155,000 | 18.6% |
| Other purposes | 509 | 7.250% | $105,000 | 29.2% |
Where WHATCOM EDUCATIONAL CREDIT UNION lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Whatcom County, WA | 828 | 7.250% | 20.8% |
| Skagit County, WA | 95 | 7.250% | 22.8% |
| Snohomish County, WA | 25 | 7.250% | 35.0% |
| King County, WA | 20 | 6.875% | 32.3% |
| Pierce County, WA | 12 | 6.875% | 36.8% |
| Island County, WA | 10 | 7.250% | 26.7% |
| Thurston County, WA | 6 | Under 10 loans | 45.5% |
| Spokane County, WA | 5 | Under 10 loans | 16.7% |
| Kitsap County, WA | 4 | Under 10 loans | 0.0% |
| Clallam County, WA | 3 | Under 10 loans | 40.0% |
| Yakima County, WA | 2 | Under 10 loans | 33.3% |
| Benton County, WA | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 66.7% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Kittitas 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 | 50.0% |
| Chelan County, WA | 0 | Under 10 loans | 100.0% |
| Cowlitz County, WA | 0 | Under 10 loans | Not published |
| Douglas County, WA | 0 | Under 10 loans | Not published |
| Grant County, WA | 0 | Under 10 loans | 100.0% |
| Klickitat County, WA | 0 | Under 10 loans | Not published |
| Lewis County, WA | 0 | Under 10 loans | 100.0% |
| Walla Walla County, WA | 0 | Under 10 loans | 100.0% |
| Whitman County, WA | 0 | Under 10 loans | Not published |
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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.