Mortgage Lenders and Brokers in Ferndale, 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
Ferndale, Washington mortgage lenders include Banner BankBanner Bank1815 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 2.91%, Peoples BankPeoples Bank1895 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 0.88%, US Bank, N.A.US Bank, N.A.2031 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1825 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 3.68%, Washington FederalWashington Federal2045 Main St, Ferndale, WA 98248A+5.0 ★Texas Ratio: 4.48%, First Fed BankFirst Fed Bank1860 Main St, Ferndale, WA 98248A5.0 ★Texas Ratio: 12.33%, North Coast Credit UnionNorth Coast Credit Union5657 Riverside Dr, Ferndale, WA 98248A+5.0 ★Texas Ratio: 2.91%, Industrial CU of Whatcom CountyIndustrial CU of Whatcom County1739 LaBounty Dr, Ferndale, WA 98248A+5.0 ★Texas Ratio: 1.33%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, and Qualstar Credit UnionQualstar Credit Union24000 35th Ave SE # 200, Bothell, WA 98021 8990A+5.0 ★Texas Ratio: 4.83%. 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 Ferndale, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ferndale 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 Ferndale, Washington
Market share is the lender's share of all home loans closed in Ferndale, 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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1 office in Ferndale 1815 Main St, Ferndale, WA 98248 A+5.0 ★Texas Ratio: 2.91% |
Conventional, VA, Jumbo, HELOC | 9 +9 HELOCs |
2.6% | 100% | $680,555 | View |
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1 office in Ferndale 1895 Main St, Ferndale, WA 98248 A+5.0 ★Texas Ratio: 0.88% |
Conventional, HELOC | 4 +10 HELOCs |
1.2% | 80% | $495,000 | View |
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1 office in Ferndale 2031 Main St, Ferndale, WA 98248 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 4 +5 HELOCs |
1.2% | 66.7% | $330,000 | View |
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1 office in Ferndale 1825 Main St, Ferndale, WA 98248 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.6% | 100% | $420,000 | View |
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1 office in Ferndale 2045 Main St, Ferndale, WA 98248 A+5.0 ★Texas Ratio: 4.48% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $555,000 | View |
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1 office in Ferndale 1860 Main St, Ferndale, WA 98248 A5.0 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 0.3% | 50% | $925,000 | View |
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5657 Riverside Dr, Ferndale, WA 98248 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 7 | 2.1% | 87.5% | $395,000 | View |
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1739 LaBounty Dr, Ferndale, WA 98248 A+5.0 ★Texas Ratio: 1.33% |
Conventional | 5 | 1.5% | 100% | $149,000 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional, HELOC | 3 +12 HELOCs |
0.9% | 75% | $491,666 | |
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24000 35th Ave SE # 200, Bothell, WA 98021 8990 A+5.0 ★Texas Ratio: 4.83% |
Conventional | 2 | 0.6% | 100% | $225,000 | View |
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5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57% |
Conventional | 2 | 0.6% | 66.7% | $150,000 | View |
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100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.3% | 50% | $55,000 | View |
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3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $695,000 | View |
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22807 44th Ave W, Mountlake Terrace, WA 98043 A5.0 ★Texas Ratio: 6.90% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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1048 116th Ave NE, Bellevue, WA 98004 4640 A+5.0 ★Texas Ratio: 4.83% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3230 172nd St Ne, Arlington, WA 98223 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Whatcom Educational Credit Uni
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Conventional, Jumbo, HELOC | 29 +58 HELOCs |
8.5% | 100% | $455,000 | |
Evergreen Moneysource Mortgage Company
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Conventional, VA, Jumbo | 28 | 8.2% | 100% | $505,357 | |
HomeStreet Bank
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Conventional | 2 | 0.6% | 100% | $660,000 | |
HMDA LAR 2025-Final
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Conventional | 2 | 0.6% | 100% | $465,000 | |
Wsecu
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $465,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 32 +3 HELOCs |
9.4% | 89.2% | $526,875 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 25 +1 HELOCs |
7.3% | 96.3% | $460,600 | |
Homeamerican Mortgage Corporation
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Conventional, FHA, VA | 23 | 6.7% | 92.3% | $538,478 | |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 6.2% | 85.7% | $325,952 | |
Guild Mortgage Company
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Conventional, FHA, VA | 17 | 5% | 100% | $413,823 | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 10 | 2.9% | 100% | $525,000 | |
Residential Wholesale Mortgage
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Conventional, FHA | 9 | 2.6% | 100% | $467,222 | |
Spring Eq, LLC
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Conventional | 8 | 2.3% | 100% | $97,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 7 | 2.1% | 100% | $469,285 | |
Newrez LLC
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Conventional | 6 | 1.8% | 75% | $190,000 | |
loanDepot.com LLC
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Conventional, FHA | 6 | 1.8% | 60% | $306,666 | |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 5 +1 HELOCs |
1.5% | 100% | $521,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 4 | 1.2% | 100% | $360,000 | |
Lower, LLC
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Conventional, FHA | 4 | 1.2% | 100% | $590,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 0.9% | 100% | $315,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 0.9% | 100% | $495,000 | |
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A5.0 ★Texas Ratio: 6.81% |
Conventional | 3 | 0.9% | 100% | $515,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 0.9% | 100% | $521,666 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $355,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.6% | 100% | $635,000 | |
Directors Mortgage, Inc
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Conventional, FHA | 2 | 0.6% | 100% | $250,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.6% | 41.7% | $140,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.6% | 66.7% | $445,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.6% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $55,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +3 HELOCs |
0.3% | 100% | $565,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $775,000 | |
Originpoint, LLC
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Conventional | 1 | 0.3% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 100% | $735,000 | View |
Fundloans Capital
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Conventional | 1 | 0.3% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 100% | $455,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $475,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.3% | 50% | $715,000 | |
Nbkc Bank
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VA, Jumbo | 1 | 0.3% | 100% | $835,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 50% | $85,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.3% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
VA | 1 | 0.3% | 100% | $565,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.3% | 100% | $535,000 | View |
Sun West Mortgage Company, Inc
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VA | 1 | 0.3% | 100% | $745,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $705,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Weichert Financial Services
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Conventional | 1 | 0.3% | 100% | $515,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.3% | 100% | $675,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $385,000 | |
First Federal Savings Bank
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Conventional | 1 | 0.3% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
Mortgage Research Center
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VA | 1 | 0.3% | 50% | $495,000 | |
Member First Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $435,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $575,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Blaze Credit Union
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Conventional | 1 | 0.3% | 100% | $65,000 | |
21St Mortgage
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Conventional | 1 | 0.3% | 25% | $95,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $485,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 33.3% | $25,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $605,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.3% | 100% | $285,000 | |
Georgia'S Own Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Idaho Central Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ferndale 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 Ferndale, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Ferndale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ferndale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ferndale, WA
Use these to narrow the list above. Each category shows how many Ferndale, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Ferndale, WA
Independent mortgage companies closed 74.2 percent of home loans in Ferndale, Washington in 2025, banks 10.3 percent and credit unions 15.5 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, Banner Bank the largest bank and North Coast Credit Union the largest credit union. Among lenders headquartered in Washington, Banner Bank led with 9 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 Ferndale, WA
By home loans closed in 2025, Banner Bank was the largest mortgage lender in Ferndale, Washington with 9 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Ferndale, Washington in 2025, led by Movement Mortgage, LLC with 3. 14 lenders closed VA loans, led by United Wholesale Mortgage. 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. 23 banks and 14 credit unions closed home loans in Ferndale, Washington in 2025, alongside 51 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 Ferndale, 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 Ferndale, 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 Ferndale. 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.
