Mortgage lending in Bellingham, WA
4,777 mortgages were originated in the Bellingham, WA area in 2025, and here is what they cost.
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
- 4,777
- Median rate
- 6.750%
- Median lender fees
- $6,190
- Median loan amount
- $355,000
- Median spread over APOR
- 0.155
- Paid discount points
- 38.2%
- Received lender credits
- 25.9%
- Purchases / refinances
- 49.4% / 29.2%
- 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.
Who lent here
Lenders with at least 50 loans in the Bellingham, WA area, 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% |