Mortgage lending in Whatcom County
4,775 mortgages were originated in Whatcom County, Washington, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,775
- Median rate
- 6.750%
- Median lender fees
- $6,190
- Median loan amount
- $355,000
- Median spread over APOR
- 0.154
- Paid discount points
- 38.2%
- Received lender credits
- 25.9%
- Purchases / refinances
- 49.4% / 29.1%
- Conventional / FHA / VA
- 86.4% / 7.1% / 6.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $664,700
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Whatcom County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| WHATCOM EDUCATIONAL CREDIT UNION | 828 | $4,371 | 7.250% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 319 | $10,030 | 6.625% |
| MOVEMENT MORTGAGE, LLC | 297 | $7,148 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 287 | $7,515 | 6.375% |
| Rocket Mortgage, LLC | 247 | $4,440 | 6.625% |
| Peoples Bank | 203 | $4,996 | 7.500% |
| Boeing Employees Credit Union | 172 | $3,601 | 6.000% |
| Banner Bank | 164 | $4,453 | 6.740% |
| GUILD MORTGAGE COMPANY | 112 | $7,955 | 6.500% |
| PENNYMAC LOAN SERVICES, LLC | 101 | $5,297 | 6.499% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Whatcom County — not a rule of thumb.
From 3,076 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers