Washington · HMDA 2025
Mortgage lenders in Whatcom County, WA
310 lenders reported 8,552 home-loan applications in Whatcom County in 2025. 4,775 closed as loans ($2.0B), 1,106 were denied — a 18.2% denial rate on decided applications, below the Washington rate of 19.5%. The three most active lenders handled 24% of applications, led by WHATCOM EDUCATIONAL CREDIT UNION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 8,552
- Loans originated
- 4,775
- Purchase / refinance
- 2,361 / 1,391
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Whatcom County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | WHATCOM EDUCATIONAL CREDIT UNION 65 out of 100, Moderate | 1,287 | 15.0% | 22.6% |
| 2 | MOVEMENT MORTGAGE, LLC | 407 | 4.8% | — |
| 3 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 396 | 4.6% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 383 | 4.5% | — |
| 5 | Rocket Mortgage, LLC | 341 | 4.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 333 | 3.9% | — |
| 7 | Peoples Bank 78 out of 100, Strong | 331 | 3.9% | 26.8% |
| 8 | Banner Bank 72 out of 100, Strong | 278 | 3.3% | 35.6% |
| 9 | Boeing Employees Credit Union 75 out of 100, Strong | 269 | 3.1% | 26.5% |
| 10 | NEWREZ LLC | 240 | 2.8% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 204 | 2.4% | 14.1% |
| 12 | GUILD MORTGAGE COMPANY | 180 | 2.1% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 148 | 1.7% | 39.5% |
| 14 | CMG MORTGAGE, INC. | 125 | 1.5% | — |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 122 | 1.4% | 44.7% |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 118 | 1.4% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 110 | 1.3% | — |
| 18 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | 98 | 1.1% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 95 | 1.1% | 32.9% |
| 20 | INDUSTRIAL CU OF WHATCOM COUNTY | 87 | 1.0% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 80 | 0.9% | — |
| 22 | AMERICAN PACIFIC MORTGAGE CORPORATION | 77 | 0.9% | — |
| 23 | SPRING EQ, LLC | 76 | 0.9% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 76 | 0.9% | — |
| 25 | PHH Mortgage Corporation | 76 | 0.9% | — |
| 26 | Mortgage Research Center, LLC | 75 | 0.9% | — |
| 27 | GUARANTEED RATE, INC. | 71 | 0.8% | — |
| 28 | FIGURE LENDING LLC | 70 | 0.8% | — |
| 29 | Umpqua Bank 64 out of 100, Moderate | 67 | 0.8% | 28.5% |
| 30 | Loandepot.Com, LLC | 65 | 0.8% | — |
| 31 | Fairway Independent Mortgage Corporation | 55 | 0.6% | — |
| 32 | CANOPY MORTGAGE, LLC | 54 | 0.6% | — |
| 33 | GUARANTEED RATE AFFINITY, LLC | 53 | 0.6% | — |
| 34 | Broker Solutions, Inc. | 51 | 0.6% | — |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 47 | 0.5% | — |
| 36 | KIND LENDING, LLC | 47 | 0.5% | — |
| 37 | THE LOAN STORE, INC. | 44 | 0.5% | — |
| 38 | KeyBank National Association 63 out of 100, Moderate | 44 | 0.5% | 32.8% |
| 39 | NORTH COAST CREDIT UNION | 42 | 0.5% | — |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 42 | 0.5% | — |
Top 40 of 310 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Washington
- King County 78,011 apps
- Pierce County 42,610 apps
- Snohomish County 36,118 apps
- Spokane County 24,063 apps
- Clark County 23,306 apps
- Thurston County 14,076 apps
- Kitsap County 13,301 apps
- Benton County 9,496 apps
- Yakima County 8,147 apps
- Cowlitz County 5,862 apps
- Skagit County 5,104 apps
- Island County 4,504 apps