Mortgage Lenders and Brokers in Bellingham, Washington
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Bellingham, Washington mortgage lenders include Peoples BankPeoples Bank3100 Woburn St, Bellingham, WA 98226A+5.0 ★Texas Ratio: 0.88%, Banner BankBanner Bank1600 Cornwall Ave, Bellingham, WA 98225A+5.0 ★Texas Ratio: 2.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1336 Cornwall Ave, Bellingham, WA 98225A+5.0 ★Texas Ratio: 3.68%, Industrial CU of Whatcom CountyIndustrial CU of Whatcom County1225 W Bakerview Rd Ste A, Bellingham, WA 98226 9691A+5.0 ★Texas Ratio: 1.33%, US Bank, N.A.US Bank, N.A.4040 Meridian St, Bellingham, WA 98226A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA3101 Woburn St, Bellingham, WA 98226A+5.0 ★Texas Ratio: 5.36%, First Fed BankFirst Fed Bank1215 12th St Ste 105, Bellingham, WA 98225A5.0 ★Texas Ratio: 12.33%, North Coast Credit UnionNorth Coast Credit Union3250 Northwest Ave, Bellingham, WA 98225 1318A+5.0 ★Texas Ratio: 2.91%, Bank of America NABank of America NA4251 Guide Meridian, Bellingham, WA 98226A+5.0 ★Texas Ratio: 4.14%, and Washington Trust BankWashington Trust Bank2210 Rimland Dr, Bellingham, WA 98226A+5.0 ★Texas Ratio: 4.63%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bellingham, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bellingham are listed first, then lenders elsewhere in Washington, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bellingham, Washington
Market share is the lender's share of all home loans closed in Bellingham, Washington. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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3 offices in Bellingham 3100 Woburn St, Bellingham, WA 98226 A+5.0 ★Texas Ratio: 0.88% |
Conventional, Jumbo, HELOC | 29 +30 HELOCs |
2.6% | 87.9% | $604,655 | View |
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4 offices in Bellingham 1600 Cornwall Ave, Bellingham, WA 98225 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, VA, Jumbo, HELOC | 22 +19 HELOCs |
2% | 88% | $483,636 | View |
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3 offices in Bellingham 1336 Cornwall Ave, Bellingham, WA 98225 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 17 +3 HELOCs |
1.5% | 100% | $555,000 | View |
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1225 W Bakerview Rd Ste A, Bellingham, WA 98226 9691 A+5.0 ★Texas Ratio: 1.33% |
Conventional, USDA, Jumbo | 17 | 1.5% | 81.8% | $345,000 | View |
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1 office in Bellingham 4040 Meridian St, Bellingham, WA 98226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 14 +16 HELOCs |
1.3% | 87.5% | $455,000 | View |
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1 office in Bellingham 3101 Woburn St, Bellingham, WA 98226 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 8 | 0.7% | 72.7% | $446,250 | View |
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2 offices in Bellingham 1215 12th St Ste 105, Bellingham, WA 98225 A5.0 ★Texas Ratio: 12.33% |
Conventional, VA | 7 | 0.6% | 100% | $409,285 | View |
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3250 Northwest Ave, Bellingham, WA 98225 1318 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 7 | 0.6% | 87.5% | $403,571 | View |
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2 offices in Bellingham 4251 Guide Meridian, Bellingham, WA 98226 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 6 +8 HELOCs |
0.5% | 100% | $890,000 | View |
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1 office in Bellingham 2210 Rimland Dr, Bellingham, WA 98226 A+5.0 ★Texas Ratio: 4.63% |
Conventional, Jumbo, HELOC | 4 +3 HELOCs |
0.4% | 100% | $837,500 | View |
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4 offices in Bellingham 1221 N State St, Bellingham, WA 98225 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, Jumbo, HELOC | 4 +2 HELOCs |
0.4% | 66.7% | $465,000 | View |
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1 office in Bellingham 3102 Newmarket St, Bellingham, WA 98226 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 3 +7 HELOCs |
0.3% | 100% | $548,333 | View |
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2 offices in Bellingham 1500 Cornwall Ave, Bellingham, WA 98225 A+5.0 ★Texas Ratio: 4.48% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $945,000 | View |
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2 offices in Bellingham 265 York St, Bellingham, WA 98225 A+5.0 ★Texas Ratio: 1.04% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Whatcom Educational Credit Uni
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Conventional, VA, Jumbo, HELOC | 95 +215 HELOCs |
8.6% | 86.4% | $506,368 | |
Boeing Employees' Credit Union
1066 Lakeway Dr, Bellingham, WA 98229 2020 |
Conventional, Jumbo, HELOC | 24 +46 HELOCs |
2.2% | 96% | $525,833 | |
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100 W 1st St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.31% |
Conventional, VA, Jumbo | 3 | 0.3% | 100% | $588,333 | View |
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1202 Outlet Collection Way SW Ste 107, Auburn, WA 98001 6541 A5.0 ★Texas Ratio: 8.08% |
Conventional | 2 | 0.2% | 100% | $115,000 | View |
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312 N Ruby St, Ellensburg, WA 98926 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 2 | 0.2% | 100% | $1,130,000 | View |
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24000 35th Ave SE # 200, Bothell, WA 98021 8990 A+5.0 ★Texas Ratio: 4.83% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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117 Aplets Way, Cashmere, WA 98815 A+5.0 ★Texas Ratio: 1.44% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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22807 44th Ave W, Mountlake Terrace, WA 98043 A5.0 ★Texas Ratio: 6.90% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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Pendleton Avenue and North 12th Street, Fort Lewis, WA 98433 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.1% | 100% | $575,000 | View |
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5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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117 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 3.23% |
Conventional, Jumbo | 1 | 0.1% | 100% | $965,000 | View |
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20608 State Route 410 E, Bonney Lake, WA 98391 8366 A5.0 ★Texas Ratio: 8.21% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1620 Lake Tapps PKWY SE Ste 101, Auburn, WA 98092 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA, VA, Jumbo | 112 | 10.2% | 99.2% | $470,625 | |
Sammamish Mortgage Company
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Conventional, VA | 2 | 0.2% | 100% | $660,000 | |
HMDA LAR 2025-Final
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Conventional, VA, Jumbo | 2 | 0.2% | 100% | $880,000 | |
Olympia Federal Savings & Loan
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Conventional | 1 | 0.1% | 100% | $455,000 | |
HomeStreet Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 112 +2 HELOCs |
10.2% | 97.5% | $475,357 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 92 +4 HELOCs |
8.4% | 90.3% | $515,543 | |
Rocket Mortgage
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Conventional, FHA, VA | 80 | 7.3% | 84.5% | $371,250 | |
Residential Wholesale Mortgage
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Conventional, VA | 28 | 2.5% | 100% | $487,857 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo, HELOC | 25 +1 HELOCs |
2.3% | 100% | $507,400 | |
Guild Mortgage Company
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Conventional, FHA, VA, Jumbo | 24 | 2.2% | 96% | $459,166 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 21 | 1.9% | 88% | $493,095 | |
Fairway Independent Mort Corp
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Conventional, Jumbo | 17 | 1.5% | 100% | $486,764 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, Jumbo | 16 | 1.5% | 94.1% | $490,625 | |
Newrez LLC
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Conventional, VA, Jumbo | 15 | 1.4% | 69.6% | $355,666 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 15 | 1.4% | 100% | $413,666 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, Jumbo, HELOC | 14 +2 HELOCs |
1.3% | 93.8% | $622,857 | |
The Loan Store, Inc
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Conventional | 11 | 1% | 100% | $432,272 | |
Envoy Mortgage, Ltd
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Conventional, VA, Jumbo | 9 | 0.8% | 100% | $516,111 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 8 +3 HELOCs |
0.7% | 88.9% | $412,500 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 8 +1 HELOCs |
0.7% | 100% | $621,250 | |
Originpoint, LLC
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Conventional, VA, Jumbo | 8 | 0.7% | 100% | $810,000 | |
Kind Lending, LLC
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Conventional, VA | 7 | 0.6% | 77.8% | $492,142 | |
Nationstar Mortgage
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Conventional | 7 | 0.6% | 87.5% | $165,000 | |
Mutual of Omaha Mortgage
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Conventional | 7 | 0.6% | 100% | $566,428 | |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 6 | 0.5% | 100% | $546,666 | |
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A5.0 ★Texas Ratio: 6.81% |
Conventional, VA, Jumbo | 6 | 0.5% | 100% | $518,333 | View |
Triad Financial Services, Inc.
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Conventional | 6 | 0.5% | 92.3% | $120,000 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 6 | 0.5% | 100% | $520,000 | |
loanDepot.com LLC
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Conventional, VA, Jumbo, HELOC | 5 +1 HELOCs |
0.5% | 62.5% | $559,000 | |
Provident Funding Associates
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Conventional | 5 | 0.5% | 83.3% | $511,000 | |
Lower, LLC
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Conventional | 5 | 0.5% | 100% | $405,000 | |
Spring Eq, LLC
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Conventional | 5 | 0.5% | 31.2% | $113,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 5 | 0.5% | 100% | $353,000 | |
Sage Home Loans Corporation
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Conventional | 4 | 0.4% | 100% | $565,000 | |
Resicentral LLC
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Conventional | 4 | 0.4% | 100% | $357,500 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 4 | 0.4% | 100% | $627,500 | View |
Discover Bank
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Conventional | 4 | 0.4% | 50% | $127,500 | |
Generations Home Loans, LLC
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Conventional | 4 | 0.4% | 100% | $342,500 | |
Mortgage Research Center
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VA, Jumbo | 4 | 0.4% | 100% | $702,500 | |
New American Funding, LLC.
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Conventional | 4 | 0.4% | 80% | $322,500 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 4 | 0.4% | 100% | $777,500 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 4 | 0.4% | 66.7% | $250,000 | View |
Global Federal Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
0.3% | 100% | $391,666 | |
Primelending
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Conventional | 3 | 0.3% | 100% | $338,333 | |
Lakeview Loan Servicing, LLC
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Conventional | 3 | 0.3% | 75% | $98,333 | |
Nbkc Bank
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Conventional, VA | 3 | 0.3% | 100% | $598,333 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 3 | 0.3% | 100% | $665,000 | View |
American Financing Corporation
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Conventional, FHA | 3 | 0.3% | 100% | $251,666 | |
Bay Equity LLC
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Conventional | 3 | 0.3% | 100% | $511,666 | |
21St Mortgage
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Conventional | 3 | 0.3% | 42.9% | $118,333 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 3 | 0.3% | 100% | $535,000 | View |
Alliant Credit Union
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Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.2% | 100% | $1,015,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 2 +2 HELOCs |
0.2% | 66.7% | $265,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.2% | 100% | $230,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.2% | 100% | $565,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.2% | 100% | $840,000 | View |
Sun West Mortgage Company, Inc
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Conventional, VA, Jumbo | 2 | 0.2% | 66.7% | $650,000 | |
Credit Human Federal Credit Un
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Conventional | 2 | 0.2% | 100% | $110,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 0.2% | 100% | $545,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.2% | 40% | $320,000 | View |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 2 | 0.2% | 100% | $895,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.2% | 100% | $355,000 | |
Member First Mortgage, LLC
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Conventional | 2 | 0.2% | 100% | $435,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.2% | 100% | $960,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 2 | 0.2% | 50% | $1,020,000 | View |
ClearEdge Lending LLC
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Conventional | 2 | 0.2% | 66.7% | $265,000 | |
Toyota Financial Savings Bank
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Conventional, Jumbo | 2 | 0.2% | 100% | $495,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, Jumbo | 2 | 0.2% | 100% | $515,000 | View |
Nexera Holding LLC
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Conventional | 2 | 0.2% | 100% | $325,000 | |
Top Flite Financial, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $705,000 | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $415,000 | View |
First Technology Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 33.3% | $375,000 | |
Genisys Credit Union
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Conventional | 1 | 0.1% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $635,000 | View |
Alameda Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.1% | 100% | $965,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $545,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $615,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.1% | 100% | $625,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.1% | 20% | $35,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $465,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $425,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.1% | 100% | $665,000 | View |
American Liberty Mortgage Inco
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FHA | 1 | 0.1% | 100% | $595,000 | |
Credit Union Mortgage Associat
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Conventional, Jumbo | 1 | 0.1% | 100% | $845,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $625,000 | |
Mountain America Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $115,000 | |
Strong Home Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $615,000 | |
Weichert Financial Services
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $525,000 | |
Stg Mortgage Inc
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,135,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $625,000 | View |
Empeople Credit Union
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Conventional | 1 | 0.1% | 100% | $485,000 | |
Ardri LLC
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Conventional | 1 | 0.1% | 100% | $545,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 0.1% | 100% | $905,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $645,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $505,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $365,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.1% | 100% | $565,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $645,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.1% | 100% | $935,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 50% | $325,000 | |
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A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.16% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Wings Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Idaho Central Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Bellingham Mortgage Rate Trends
Daily average mortgage rates for Washington compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bellingham, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Bellingham? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bellingham in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bellingham, WA
Use these to narrow the list above. Each category shows how many Bellingham, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Bellingham, WA
Independent mortgage companies closed 69.4 percent of home loans in Bellingham, Washington in 2025, banks 15.4 percent and credit unions 15.3 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, Peoples Bank the largest bank and Industrial CU of Whatcom County the largest credit union. Among lenders headquartered in Washington, Peoples Bank led with 29 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Washington. Graduated state real estate excise tax paid by the seller: 1.1 percent up to $525,000, 1.28 percent from $525,000 to $1.525 million, 2.75 percent to $3.025 million and 3 percent above, plus local REET usually 0.25 to 0.5 percent; no mortgage tax.
More Washington Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bellingham, WA
By home loans closed in 2025, Peoples Bank was the largest mortgage lender in Bellingham, Washington with 29 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Bellingham, Washington, Evergreen Moneysource Mortgage Company approved the highest share of completed applications in 2025 at 99.2 percent, against a 90.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Bellingham, Washington in 2025, led by United Wholesale Mortgage with 8. 28 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 45 banks and 25 credit unions closed home loans in Bellingham, Washington in 2025, alongside 79 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bellingham, Washington during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bellingham, Washington for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bellingham. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
