Mortgage lenders in Whatcom County
4,775 mortgages were made in Whatcom County, Washington, in 2025, by 313 lenders. The median rate their borrowers got was 6.750% on a median loan of $355,000. Of 6,090 decisions, 1,106 were denials — 18.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| WHATCOM EDUCATIONAL CREDIT UNION | 828 | 7.250% | $155,000 | 20.8% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 319 | 6.500% | $455,000 | 0.6% |
| MOVEMENT MORTGAGE, LLC | 297 | 6.562% | $435,000 | 4.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 287 | 6.375% | $475,000 | 13.4% |
| Rocket Mortgage, LLC | 247 | 6.625% | $305,000 | 17.4% |
| Peoples Bank | 203 | 7.500% | $255,000 | 24.9% |
| Boeing Employees Credit Union | 172 | 6.000% | $155,000 | 25.3% |
| Banner Bank | 164 | 6.740% | $225,000 | 24.0% |
| GUILD MORTGAGE COMPANY | 112 | 6.495% | $415,000 | 6.5% |
| PENNYMAC LOAN SERVICES, LLC | 101 | 6.499% | $475,000 | 12.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 78 | 6.750% | $430,000 | 2.5% |
| U.S. Bank National Association | 77 | 7.650% | $285,000 | 31.3% |
| CMG MORTGAGE, INC. | 72 | 6.500% | $515,000 | 4.8% |
| NEWREZ LLC | 65 | 6.625% | $295,000 | 23.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 64 | 6.750% | $420,000 | 4.5% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 62 | 6.750% | $460,000 | 4.6% |
| CANOPY MORTGAGE, LLC | 50 | 6.438% | $410,000 | 0.0% |
| INDUSTRIAL CU OF WHATCOM COUNTY | 48 | Not published | $285,000 | 13.3% |
| Navy Federal Credit Union | 46 | 7.250% | $235,000 | 25.4% |
| JPMorgan Chase Bank, National Association | 42 | 6.245% | $415,000 | 6.5% |
| Fairway Independent Mortgage Corporation | 42 | 6.688% | $430,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 40 | 6.625% | $420,000 | 2.4% |
| NATIONSTAR MORTGAGE LLC | 38 | 8.625% | $95,000 | 13.0% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.250% | $430,000 | 2.5% |
| Umpqua Bank | 36 | 8.250% | $185,000 | 33.9% |
| Bank of America, National Association | 35 | 6.125% | $205,000 | 51.3% |
| THE LOAN STORE, INC. | 35 | 6.625% | $365,000 | 14.6% |
| KIND LENDING, LLC | 33 | 6.625% | $475,000 | 19.5% |
| Mortgage Research Center, LLC | 32 | 5.990% | $445,000 | 23.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 32 | 6.188% | $395,000 | 18.0% |
| Loandepot.Com, LLC | 31 | 6.875% | $255,000 | 36.0% |
| SPRING EQ, LLC | 27 | 9.200% | $105,000 | 53.2% |
| ENVOY MORTGAGE, LTD | 27 | 6.500% | $475,000 | 10.0% |
| KeyBank National Association | 26 | 6.563% | $345,000 | 25.7% |
| NORTH COAST CREDIT UNION | 24 | Not published | $315,000 | 21.9% |
| HOMEAMERICAN MORTGAGE CORPORATION | 23 | 4.999% | $575,000 | 7.7% |
| FIRST FED BANK | 22 | Not published | $490,000 | 21.4% |
| Broker Solutions, Inc. | 21 | 7.125% | $315,000 | 19.2% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.250% | $495,000 | 5.0% |
| FIGURE LENDING LLC | 18 | 10.288% | $95,000 | 31.6% |
| GUARANTEED RATE, INC. | 17 | 6.750% | $505,000 | 13.6% |
| LOWER, LLC | 17 | 6.500% | $495,000 | 15.0% |
| Wells Fargo Bank, National Association | 16 | 6.063% | $395,000 | 23.8% |
| OriginPoint, LLC | 16 | 6.313% | $690,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 16 | 6.813% | $315,000 | 5.9% |
| Plains Commerce Bank | 15 | 6.500% | $415,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 6.990% | $195,000 | 30.4% |
| RESICENTRAL, LLC | 14 | 6.558% | $445,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 14 | 6.688% | $480,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.640% | $105,000 | 28.2% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.750% | $295,000 | 50.0% |
| Eastside Funding LLC | 13 | 12.000% | $295,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.313% | $565,000 | 7.7% |
| RBC Bank, (Georgia) National Association | 12 | 5.625% | $305,000 | 7.7% |
| SaviBank | 12 | Not published | $650,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.990% | $155,000 | 40.0% |
| SAMMAMISH MORTGAGE COMPANY | 11 | 6.250% | $465,000 | 0.0% |
| WASHINGTON FEDERAL BANK | 11 | 7.625% | $555,000 | 8.3% |
| Click n' Close, Inc. | 11 | 6.625% | $315,000 | 0.0% |
| ALLIANT CREDIT UNION | 10 | 7.750% | $190,000 | 41.2% |
| Global Federal Credit Union | 10 | 6.600% | $310,000 | 23.1% |
| NFM, INC. | 10 | 6.870% | $545,000 | 8.3% |
| Heritage Bank | 10 | 7.740% | $225,000 | 23.1% |
| GEORGIA'S OWN | 10 | 7.750% | $350,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 3.3% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 72.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Washington Trust Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| 1st Security Bank of Washington | 8 | Under 10 loans | Under 10 loans | 10.0% |
| LEADERONE FINANCIAL CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 65.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 66.7% |
| CLEAREDGE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| IDAHO CENTRAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 10.0% |
| GESA | 7 | Under 10 loans | Under 10 loans | 22.2% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| QUALSTAR CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 75.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 70.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 57.1% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEMBER FIRST MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 30.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HARBORSTONE | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| MORTGAGE ACCESS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 63.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 22.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Sound Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Pacific | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sound Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OREGON COMMUNITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NorthWest Plus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Timberland Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Liberty Mortgage, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED CANOE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPOKANE TEACHERS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Olympia Federal Savings & Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 113 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Whatcom County
48 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Peoples Bank | 9 | $1.2 billion |
| Banner Bank | 5 | $459.9 million |
| WaFd Bank | 5 | $440.5 million |
| JPMorgan Chase Bank, National Association | 4 | $632.7 million |
| U.S. Bank National Association | 4 | $524.3 million |
| KeyBank National Association | 4 | $196.1 million |
| Bank of the Pacific | 3 | $186.8 million |
| Columbia Bank | 3 | $158.1 million |
| First Fed Bank | 3 | $144.7 million |
| Bank of America, National Association | 2 | $556.1 million |
| Wells Fargo Bank, National Association | 2 | $353.7 million |
| Heritage Bank | 2 | $159.8 million |
| Mountain Pacific Bank | 1 | $83.8 million |
| Washington Trust Bank | 1 | $21.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- SAVIBANK, 1910 Broadway, Bellingham
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When the next year’s lending figures are out for Whatcom County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.