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Mortgage lending in Whatcom County, Washington

Lenders in Whatcom County, Washington reported 7,708 mortgage applications for 2025, according to the CFPB.

7,708 mortgage applications and 4,775 loans originated in 2025; the denial rate was 18.2% of 6,090 applications decided. The median loan was about $355,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Bellingham, WA MSA.

7,708
Applications
4,775
Loans originated
18.2%
Denial rate
1,106 denied of 6,090 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Whatcom County, Washington, by year
YearApplicationsOriginated
20257,7084,775
20246,7824,192
20236,5933,948
20229,9656,150
202119,20813,200
202020,03513,375
201912,5808,059
20189,7756,025

The largest lenders here

Lenders in Whatcom County, Washington by loans originated, 2025
LenderOriginatedApplications
Whatcom Educational Credit Uni8281,287
Evergreen Moneysource Mortgage Company319396
Movement Mortgage, LLC297407
United Wholesale Mortgage287381
Rocket Mortgage247333
Peoples Bank203331
Boeing Employees' Credit Union172269
Banner Bank164271
Guild Mortgage Company112156
Pennymac Loan Services LLC101145
Crosscountry Mortgage, LLC78118
US Bank, N.A.77141
CMG Mortgage Inc72120
Newrez LLC65182
American Pacific Mortgage Corporation6477
Residential Wholesale Mortgage6297
Canopy Mortgage, LLC5054
Industrial Cu of Whatcom County4887
Navy Federal Credit Union4695
Fairway Independent Mort Corp4254
JPMorgan Chase Bank, NA4269
Guaranteed Rate Affinity, LLC4053
Nationstar Mortgage3855
Freedom Mortgage Corporation3684
Columbia Bank3666

Applications by race, ethnicity and sex, 2025

By race, Whatcom County, Washington: applications and denial rate
CategoryApplicationsDenial rate
American Indian or Alaska Native6625.5% of 51 decided
Asian40826.1% of 306 decided
Black or African American53no rate: base under 50
Native Hawaiian or Other Pacific Islander16no rate: base under 50
White5,44917.4% of 4,398 decided
2 or more minority races19no rate: base under 50
Joint30611.1% of 243 decided
Race Not Available1,39120.1% of 1,022 decided
By ethnicity, Whatcom County, Washington: applications and denial rate
CategoryApplicationsDenial rate
Hispanic or Latino35625.5% of 278 decided
Not Hispanic or Latino5,75917.4% of 4,627 decided
Jointwithheld
Ethnicity Not Available1,38420.1% of 1,011 decided
Free Form Text Onlyunder 10
By sex, Whatcom County, Washington: applications and denial rate
CategoryApplicationsDenial rate
Male2,30222.8% of 1,800 decided
Female1,35520.3% of 1,101 decided
Joint3,29713.8% of 2,655 decided
Sex Not Available75419.5% of 534 decided

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Rankings this appears in

Sources

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved