BELLINGHAM Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Bellingham averaged
6.58%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.63% and
one month ago for the week of 2025-06-05, the
average rate was 6.91%.
Bellingham's average rate one year ago was 6.81%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.05%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Bellingham 30 Year Fixed Rate | 2025-07-10 | 6.58% |
| Bellingham 30 Year Fixed Rate Refi | 2025-07-10 | 7.05% |
| Bellingham 15 Year Fixed Rate | 2025-07-10 | 5.86% |
| Bellingham 15 Year Fixed Rate Refi | 2025-07-10 | 5.96% |
| Bellingham 30 Year FHA | 2025-07-10 | 6.72% |
| Bellingham 30 Year FHA Refi | 2025-07-10 | 6.52% |
| Bellingham 30 Year USDA | 2025-07-10 | 6.65% |
| Bellingham 30 Year USDA Refi | 2025-07-10 | 6.55% |
| Bellingham 30 Year VA | 2025-07-10 | 6.36% |
| Bellingham 30 Year VA Refi | 2025-07-10 | 5.49% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BELLINGHAM, WA.
BELLINGHAM Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BELLINGHAM, WA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BELLINGHAM Average Closing Costs & Other Stats
BELLINGHAM, WA's 152 lenders originated 4,167
loans during 2024. The total origination value was $1,695,945,000, with an average loan value of
$406,994.
BELLINGHAM's average closing costs are $5,685.
The top BELLINGHAM lender as defined by loan originations is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, with
220 loans originated. Their average total fees are
$9,950, which is $4,349
higher than the next largest lender,
WHATCOM EDUCATIONAL CREDIT UNION.
The lowest fee BELLINGHAM lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB ($2,918), Morgan Stanley Private Bank ($4,258), GUARANTEED RATE AFFINITY, LLC ($4,500), U.S. Bank ($4,781) and Bank of America ($4,928).
The lowest rate BELLINGHAM lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (5.82%), Morgan Stanley Private Bank (6.01%), Bank of America (6.29%), PROVIDENT FUNDING ASSOCIATES, L.P. (6.29%) and KeyBank (6.39%).
BELLINGHAM, WA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| WHATCOM EDUCATIONAL CREDIT UNION | $139,480,000 | $195,485,000 | 40.2% | 11.5% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $127,910,000 | $137,130,000 | 7.2% | 8.1% |
| MOVEMENT MORTGAGE, LLC | $90,960,000 | $100,225,000 | 10.2% | 5.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $55,865,000 | $88,760,000 | 58.9% | 5.2% |
| Wells Fargo Bank | $13,925,000 | $87,710,000 | 529.9% | 5.2% |
| Peoples Bank | $100,690,000 | $87,190,000 | -13.4% | 5.1% |
| QUICKEN LOANS, LLC | $41,550,000 | $55,605,000 | 33.8% | 3.3% |
| GUILD MORTGAGE COMPANY | $44,595,000 | $41,610,000 | -6.7% | 2.5% |
| Boeing Employees Credit Union | $87,155,000 | $36,010,000 | -58.7% | 2.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $34,640,000 | $35,160,000 | 1.5% | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | $16,335,000 | $31,495,000 | 92.8% | 1.9% |
| CMG MORTGAGE, INC. | $23,010,000 | $31,055,000 | 35.0% | 1.8% |
| U.S. Bank | $19,920,000 | $30,385,000 | 52.5% | 1.8% |
| Banner Bank | $39,825,000 | $29,650,000 | -25.5% | 1.7% |
| NEWREZ LLC | $2,525,000 | $28,365,000 | 1,023.4% | 1.7% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $27,205,000 | n/a | 1.6% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $10,010,000 | $26,715,000 | 166.9% | 1.6% |
| Washington Federal Bank | $20,150,000 | $25,405,000 | 26.1% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $21,185,000 | $24,480,000 | 15.6% | 1.4% |
| ORIX REAL ESTATE CAPITAL, LLC | $17,790,000 | n/a | 1.0% | |
| JPMorgan Chase Bank | $16,450,000 | $17,025,000 | 3.5% | 1.0% |
| Bank of the Pacific | $18,190,000 | $16,795,000 | -7.7% | 1.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $15,645,000 | $16,015,000 | 2.4% | 0.9% |
| Mortgage Research Center, LLC | $13,065,000 | $15,075,000 | 15.4% | 0.9% |
| CANOPY MORTGAGE, LLC | $12,455,000 | $14,865,000 | 19.3% | 0.9% |
| Bank of America | $16,245,000 | $14,515,000 | -10.6% | 0.9% |
| Umpqua Bank | $12,575,000 | $13,580,000 | 8.0% | 0.8% |
| North Coast Credit Union | $7,190,000 | $12,245,000 | 70.3% | 0.7% |
| KeyBank | $12,240,000 | $12,060,000 | -1.5% | 0.7% |
| GUARANTEED RATE AFFINITY, LLC | $1,725,000 | $11,680,000 | 577.1% | 0.7% |
| Charles Schwab Bank, SSB | $1,800,000 | $11,010,000 | 511.7% | 0.6% |
| Morgan Stanley Private Bank | $10,435,000 | $11,000,000 | 5.4% | 0.6% |
| BROKER SOLUTIONS, INC. | $6,815,000 | $10,740,000 | 57.6% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $8,545,000 | $10,710,000 | 25.3% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $2,455,000 | $10,525,000 | 328.7% | 0.6% |
| ENVOY MORTGAGE, LTD | $6,150,000 | $9,815,000 | 59.6% | 0.6% |
| LOANDEPOT.COM, LLC | $4,825,000 | $9,430,000 | 95.4% | 0.6% |
| LEADERONE FINANCIAL CORPORATION | $21,375,000 | $9,350,000 | -56.3% | 0.6% |
| SaviBank | $16,595,000 | $9,315,000 | -43.9% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,845,000 | $8,820,000 | 210.0% | 0.5% |
| INDUSTRIAL CU OF WHATCOM COUNTY | $8,510,000 | $8,350,000 | -1.9% | 0.5% |
| USAA Federal Savings Bank | $3,520,000 | $7,095,000 | 101.6% | 0.4% |
| First Federal Savings and Loan Association of Port Angeles | $24,650,000 | $6,840,000 | -72.3% | 0.4% |
| SAMMAMISH MORTGAGE COMPANY | $2,650,000 | $6,340,000 | 139.2% | 0.4% |
| GUARANTEED RATE, INC. | $3,880,000 | $6,315,000 | 62.8% | 0.4% |
| Heritage Bank | $14,930,000 | $6,155,000 | -58.8% | 0.4% |
| The Loan Store, Inc. | $730,000 | $5,710,000 | 682.2% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $4,475,000 | $5,555,000 | 24.1% | 0.3% |
| BMO Harris Bank | $7,080,000 | $5,530,000 | -21.9% | 0.3% |
| HOMEAMERICAN MORTGAGE CORPORATION | $5,420,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $2,825,000 | $5,350,000 | 89.4% | 0.3% |
| NATIONS DIRECT MORTGAGE, LLC | $1,960,000 | $5,160,000 | 163.3% | 0.3% |
| BAY EQUITY LLC | $6,345,000 | $4,935,000 | -22.2% | 0.3% |
| NBKC BANK | $2,045,000 | $4,620,000 | 125.9% | 0.3% |
| Regions Bank | $4,525,000 | n/a | 0.3% | |
| CORNERSTONE HOME LENDING, INC. | $5,510,000 | $4,160,000 | -24.5% | 0.2% |
| 1st Security Bank of Washington | $3,720,000 | $4,145,000 | 11.4% | 0.2% |
| NFM, INC. | $3,105,000 | $3,785,000 | 21.9% | 0.2% |
| Figure Lending LLC | $1,760,000 | $3,740,000 | 112.5% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $2,740,000 | $3,705,000 | 35.2% | 0.2% |
| BETTER MORTGAGE CORPORATION | $1,020,000 | $3,655,000 | 258.3% | 0.2% |
| SCENIC OAKS FUNDING, INC. | $3,480,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $1,865,000 | $3,470,000 | 86.1% | 0.2% |
| UBS Bank USA | $415,000 | $3,430,000 | 726.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $535,000 | $3,415,000 | 538.3% | 0.2% |
| Citibank | $835,000 | $3,385,000 | 305.4% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,620,000 | $3,320,000 | 104.9% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $970,000 | $3,135,000 | 223.2% | 0.2% |
| First Federal Bank | $1,625,000 | $3,095,000 | 90.5% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $13,975,000 | $3,060,000 | -78.1% | 0.2% |
| DIRECTORS MORTGAGE, INC. | $345,000 | $3,040,000 | 781.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,170,000 | $3,020,000 | 39.2% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $2,860,000 | $2,880,000 | 0.7% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $765,000 | $2,865,000 | 274.5% | 0.2% |
| ALLIANT CREDIT UNION | $1,880,000 | $2,680,000 | 42.6% | 0.2% |
| RBC Bank, (Georgia) | $3,870,000 | $2,595,000 | -32.9% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $2,250,000 | $2,575,000 | 14.4% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $1,135,000 | $2,465,000 | 117.2% | 0.1% |
| INSPIRE HOME LOANS INC. | $2,315,000 | $2,400,000 | 3.7% | 0.1% |
| NEXERA HOLDING LLC | $2,510,000 | $2,355,000 | -6.2% | 0.1% |
| Cornerstone First Mortgage, Inc | $2,340,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,435,000 | $2,315,000 | 61.3% | 0.1% |
| Plains Commerce Bank | $595,000 | $2,300,000 | 286.6% | 0.1% |
| LADERA LENDING, INC. | $315,000 | $2,290,000 | 627.0% | 0.1% |
| Alaska USA Federal Credit Union | $7,755,000 | $2,245,000 | -71.1% | 0.1% |
| Loan Simple, Inc. | $545,000 | $2,175,000 | 299.1% | 0.1% |
| EMBRACE HOME LOANS, INC. | $1,005,000 | $1,995,000 | 98.5% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,015,000 | $1,970,000 | 94.1% | 0.1% |
| WASHINGTON STATE EMPLOYEES Credit Union | $6,790,000 | $1,935,000 | -71.5% | 0.1% |
| Washington Trust Bank | $3,760,000 | $1,795,000 | -52.3% | 0.1% |
| PNC Bank | $6,030,000 | $1,785,000 | -70.4% | 0.1% |
| HomeStreet Bank | $1,510,000 | $1,780,000 | 17.9% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,775,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $475,000 | $1,770,000 | 272.6% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,070,000 | $1,730,000 | 61.7% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,060,000 | $1,690,000 | 59.4% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,655,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $2,080,000 | $1,625,000 | -21.9% | 0.1% |
| CARDINAL FINANCIAL | $1,550,000 | n/a | 0.1% | |
| GESA | $1,260,000 | $1,530,000 | 21.4% | 0.1% |
| FIRST TECHNOLOGY | $2,965,000 | $1,505,000 | -49.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $4,965,000 | $1,490,000 | -70.0% | 0.1% |
| RED CANOE CREDIT UNION | $180,000 | $1,480,000 | 722.2% | 0.1% |
| NexBank | $1,975,000 | $1,475,000 | -25.3% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $1,305,000 | $1,465,000 | 12.3% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $205,000 | $1,465,000 | 614.6% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $1,400,000 | n/a | 0.1% | |
| Greenbox Loans, Inc. | $1,365,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,825,000 | $1,340,000 | -26.6% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $1,325,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,260,000 | $1,235,000 | -2.0% | 0.1% |
| ARC HOME LLC | $725,000 | $1,230,000 | 69.7% | 0.1% |
| GEORGIA'S OWN | $315,000 | $1,205,000 | 282.5% | 0.1% |
| HOMESTEAD FUNDING CORP. | $1,200,000 | n/a | 0.1% | |
| Discover Bank | $2,095,000 | $1,085,000 | -48.2% | 0.1% |
| Raymond James Bank | $235,000 | $1,085,000 | 361.7% | 0.1% |
| General Mortgage Capital Corporation | $1,020,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $1,000,000 | n/a | 0.1% | |
| GoPrime Mortgage, Inc. | $1,000,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $895,000 | $995,000 | 11.2% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $925,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $1,570,000 | $900,000 | -42.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $2,300,000 | $900,000 | -60.9% | 0.1% |
| AXIA FINANCIAL, LLC | $405,000 | $890,000 | 119.8% | 0.1% |
| Northwest Farm Credit Services, FLCA | $1,525,000 | $885,000 | -42.0% | 0.1% |
| Solarity Credit Union | $885,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,985,000 | $860,000 | -56.7% | 0.1% |
| Seattle Metropolitan Credit Union | $860,000 | n/a | 0.1% | |
| The Huntington National Bank | $525,000 | $840,000 | 60.0% | 0.0% |
| SPOKANE TEACHERS | $205,000 | $835,000 | 307.3% | 0.0% |
| Bethpage Federal Credit Union | $870,000 | $815,000 | -6.3% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $725,000 | $815,000 | 12.4% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $2,820,000 | $800,000 | -71.6% | 0.0% |
| LENDSURE MORTGAGE CORP. | $465,000 | $790,000 | 69.9% | 0.0% |
| V.I.P. MORTGAGE, INC. | $810,000 | $790,000 | -2.5% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,625,000 | $780,000 | -52.0% | 0.0% |
| SeaTrust Mortgage Company | $755,000 | n/a | 0.0% | |
| Ally Bank | $475,000 | $750,000 | 57.9% | 0.0% |
| Flagstar Bank, FSB | $1,325,000 | $750,000 | -43.4% | 0.0% |
| NEW DAY FINANCIAL, LLC | $1,235,000 | $750,000 | -39.3% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,395,000 | $735,000 | -47.3% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $2,290,000 | $735,000 | -67.9% | 0.0% |
| 5TH STREET CAPITAL, INC. | $725,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $105,000 | $725,000 | 590.5% | 0.0% |
| Timberland Bank | $705,000 | $710,000 | 0.7% | 0.0% |
| TEXAS TECH | $705,000 | n/a | 0.0% | |
| First Financial Northwest Bank | $690,000 | n/a | 0.0% | |
| First Savings Bank | $675,000 | n/a | 0.0% | |
| BNY Mellon | $655,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $455,000 | $655,000 | 44.0% | 0.0% |
| AMWEST FUNDING CORP. | $830,000 | $645,000 | -22.3% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $640,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $275,000 | $640,000 | 132.7% | 0.0% |
| HARBORSTONE | $635,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $605,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $860,000 | $605,000 | -29.7% | 0.0% |
| OnPoint Community Credit Union | $1,080,000 | $605,000 | -44.0% | 0.0% |
| SALAL | $105,000 | $605,000 | 476.2% | 0.0% |
| Alerus Financial | $595,000 | n/a | 0.0% | |
| Axos Bank | $595,000 | n/a | 0.0% | |
| ALTITUDE FINANCIAL CORPORATION | $585,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $335,000 | $585,000 | 74.6% | 0.0% |
| TJC Mortgage, Inc. | $575,000 | n/a | 0.0% | |
| NMSI, INC. | $565,000 | n/a | 0.0% | |
| Bank of England | $445,000 | $555,000 | 24.7% | 0.0% |
| GENEVA FINANCIAL, LLC | $675,000 | $555,000 | -17.8% | 0.0% |
| MICHIGAN MUTUAL, INC. | $555,000 | n/a | 0.0% | |
| NorthWest Plus Credit Union | $185,000 | $555,000 | 200.0% | 0.0% |
| Sunflower Bank | $555,000 | $555,000 | 0.0% | 0.0% |
| City National Bank | $455,000 | $545,000 | 19.8% | 0.0% |
| SOUND | $250,000 | $535,000 | 114.0% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $205,000 | $530,000 | 158.5% | 0.0% |
| SPRING EQ, LLC | $720,000 | $530,000 | -26.4% | 0.0% |
| Strong Home Mortgage, LLC | $525,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $1,670,000 | $505,000 | -69.8% | 0.0% |
| Fifth Third Bank | $505,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $265,000 | $500,000 | 88.7% | 0.0% |
| PRIORITY HOME LENDING, LLC | $475,000 | n/a | 0.0% | |
| MORTGAGE EXPRESS, LLC | $465,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $465,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $465,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $465,000 | n/a | 0.0% | |
| Gateway First Bank | $460,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $455,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $425,000 | $455,000 | 7.1% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $445,000 | n/a | 0.0% | |
| LOANPAL, LLC | $925,000 | $435,000 | -53.0% | 0.0% |
| PHH Mortgage Corporation | $305,000 | $425,000 | 39.3% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $405,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $405,000 | n/a | 0.0% | |
| BANC ONE MORTGAGE CORPORATION | $385,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $385,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $65,000 | $380,000 | 484.6% | 0.0% |
| AMERICAN FINANCING CORPORATION | $325,000 | $375,000 | 15.4% | 0.0% |
| First Horizon Bank | $375,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $55,000 | $370,000 | 572.7% | 0.0% |
| Sound Community Bank | $660,000 | $365,000 | -44.7% | 0.0% |
| T2 FINANCIAL LLC | $810,000 | $365,000 | -54.9% | 0.0% |
| DAS Acquisition Company, LLC | $790,000 | $360,000 | -54.4% | 0.0% |
| MLD MORTGAGE INC. | $345,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $335,000 | n/a | 0.0% | |
| COLUMBIA COMMUNITY CREDIT UNION | $325,000 | n/a | 0.0% | |
| O BEE | $400,000 | $325,000 | -18.8% | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | $555,000 | $315,000 | -43.2% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,100,000 | $305,000 | -72.3% | 0.0% |
| UNITED MORTGAGE CORP | $295,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $275,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $435,000 | $260,000 | -40.2% | 0.0% |
| OCMBC, INC. | $1,465,000 | $245,000 | -83.3% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $730,000 | $235,000 | -67.8% | 0.0% |
| HomeTrust Bank | $1,855,000 | $235,000 | -87.3% | 0.0% |
| AHL FUNDING | $225,000 | n/a | 0.0% | |
| Allied First Bank,sb | $225,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $225,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $1,080,000 | $205,000 | -81.0% | 0.0% |
| WINGS FINANCIAL | $75,000 | $205,000 | 173.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $185,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $175,000 | n/a | 0.0% | |
| GMFS LLC | $165,000 | n/a | 0.0% | |
| Qualstar Credit Union | $125,000 | $150,000 | 20.0% | 0.0% |
| MOUNTAINCREST CREDIT UNION | $65,000 | $125,000 | 92.3% | 0.0% |
| OAKTREE FUNDING CORP. | $115,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $115,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $520,000 | $95,000 | -81.7% | 0.0% |
| Connexus Credit Union | $55,000 | n/a | 0.0% | |
| KITSAP Credit Union | $35,000 | $55,000 | 57.1% | 0.0% |
BELLINGHAM's top lender by overall market share is WHATCOM EDUCATIONAL CREDIT UNION, with 11.5% market share. In second place, with 8.1%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $137,130,000 in loans. In third place, with 5.9%, is MOVEMENT MORTGAGE, LLC, having originated $100,225,000 in loans. In fourth place, with 5.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $88,760,000 in loans. In fifth place, with 5.2%, is Wells Fargo Bank, having originated $87,710,000 in loans.
BELLINGHAM Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - BELLINGHAM (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $422,894 (7.1%) | $517,958 (-4.8%) | 1.57 | 457 |
| 2018-02-01 | $427,916 (9.4%) | $494,876 (-9.3%) | 1.55 | 441 |
| 2018-03-01 | $425,000 (7.9%) | $500,109 (-8.3%) | 1.49 | 450 |
| 2018-04-01 | $439,475 (10.1%) | $512,710 (-5.1%) | 1.49 | 478 |
| 2018-05-01 | $444,925 (11.5%) | $528,770 (-0.6%) | 1.49 | 532 |
| 2018-06-01 | $445,000 (11.5%) | $538,100 (1.7%) | 1.48 | 591 |
| 2018-07-01 | $440,500 (3.9%) | $533,668 (-0.8%) | 1.47 | 630 |
| 2018-08-01 | $421,000 (0.4%) | $522,524 (-3.0%) | 1.41 | 666 |
| 2018-09-01 | $429,000 (4.9%) | $531,273 (-0.2%) | 1.44 | 663 |
| 2018-10-01 | $429,675 (2.5%) | $561,683 (7.1%) | 1.46 | 655 |
| 2018-11-01 | $419,125 (1.2%) | $554,843 (7.5%) | 1.42 | 632 |
| 2018-12-01 | $414,900 (1.2%) | $554,611 (9.1%) | 1.43 | 577 |
| 2019-01-01 | $414,950 (-1.9%) | $559,550 (8.0%) | 1.43 | 504 |
| 2019-02-01 | $427,500 (-0.1%) | $568,775 (14.9%) | 1.44 | 502 |
| 2019-03-01 | $425,671 (0.2%) | $563,976 (12.8%) | 1.39 | 526 |
| 2019-04-01 | $425,171 (-3.3%) | $559,811 (9.2%) | 1.35 | 562 |
| 2019-05-01 | $444,675 (-0.1%) | $570,850 (8.0%) | 1.39 | 612 |
| 2019-06-01 | $450,000 (1.1%) | $572,570 (6.4%) | 1.41 | 679 |
| 2019-07-01 | $448,487 (1.8%) | $565,867 (6.0%) | 1.40 | 723 |
| 2019-08-01 | $447,545 (6.3%) | $558,671 (6.9%) | 1.42 | 781 |
| 2019-09-01 | $448,364 (4.5%) | $558,859 (5.2%) | 1.43 | 840 |
| 2019-10-01 | $448,909 (4.5%) | $558,481 (-0.6%) | 1.45 | 871 |
| 2019-11-01 | $449,950 (7.4%) | $556,269 (0.3%) | 1.48 | 793 |
| 2019-12-01 | $437,250 (5.4%) | $547,773 (-1.2%) | 1.46 | 662 |
| 2020-01-01 | $444,675 (7.2%) | $571,874 (2.2%) | 1.49 | 543 |
| 2020-02-01 | $448,000 (4.8%) | $556,400 (-2.2%) | 1.47 | 522 |
| 2020-03-01 | $445,000 (4.5%) | $554,564 (-1.7%) | 1.40 | 573 |
| 2020-04-01 | $439,450 (3.4%) | $549,065 (-1.9%) | 1.38 | 622 |
| 2020-05-01 | $439,900 (-1.1%) | $548,392 (-3.9%) | 1.34 | 660 |
| 2020-06-01 | $454,500 (1.0%) | $573,392 (0.1%) | 1.34 | 687 |
| 2020-07-01 | $464,950 (3.7%) | $595,001 (5.2%) | 1.35 | 680 |
| 2020-08-01 | $468,750 (4.7%) | $588,022 (5.3%) | 1.34 | 620 |
| 2020-09-01 | $460,425 (2.7%) | $581,272 (4.0%) | 1.32 | 565 |
| 2020-10-01 | $465,000 (3.6%) | $602,693 (7.9%) | 1.33 | 526 |
| 2020-11-01 | $444,950 (-1.1%) | $598,974 (7.7%) | 1.30 | 346 |
| 2020-12-01 | $444,975 (1.8%) | $588,546 (7.4%) | 1.32 | 309 |
| 2021-01-01 | $426,000 (-4.2%) | $603,751 (5.6%) | 1.27 | 249 |
| 2021-02-01 | $435,000 (-2.9%) | $628,372 (12.9%) | 1.27 | 254 |
| 2021-03-01 | $474,475 (6.6%) | $666,014 (20.1%) | 1.35 | 253 |
| 2021-04-01 | $494,500 (12.5%) | $675,563 (23.0%) | 1.34 | 244 |
| 2021-05-01 | $525,000 (19.4%) | $713,375 (30.1%) | 1.39 | 269 |
| 2021-06-01 | $543,750 (19.6%) | $742,078 (29.4%) | 1.43 | 292 |
| 2021-07-01 | $579,500 (24.6%) | $805,577 (35.4%) | 1.53 | 268 |
| 2021-08-01 | $600,000 (28.0%) | $825,561 (40.4%) | 1.60 | 283 |
| 2021-09-01 | $612,500 (33.0%) | $821,753 (41.4%) | 1.63 | 279 |
| 2021-10-01 | $599,900 (29.0%) | $806,732 (33.9%) | 1.60 | 276 |
| 2021-11-01 | $599,825 (34.8%) | $809,161 (35.1%) | 1.60 | 233 |
| 2021-12-01 | $599,450 (34.7%) | $826,450 (40.4%) | 1.62 | 161 |
| 2022-01-01 | $585,000 (37.3%) | $886,385 (46.8%) | 1.58 | 120 |
| 2022-02-01 | $662,494 (52.3%) | $959,469 (52.7%) | 1.72 | 126 |
| 2022-03-01 | $646,825 (36.3%) | $919,265 (38.0%) | 1.62 | 163 |
| 2022-04-01 | $649,000 (31.2%) | $855,378 (26.6%) | 1.55 | 214 |
| 2022-05-01 | $697,000 (32.8%) | $873,039 (22.4%) | 1.59 | 299 |
| 2022-06-01 | $674,375 (24.0%) | $832,217 (12.2%) | 1.50 | 426 |
| 2022-07-01 | $647,000 (11.7%) | $797,970 (-0.9%) | 1.46 | 585 |
| 2022-08-01 | $646,000 (7.7%) | $807,622 (-2.2%) | 1.49 | 624 |
| 2022-09-01 | $637,125 (4.0%) | $814,152 (-0.9%) | 1.49 | 602 |
| 2022-10-01 | $638,975 (6.5%) | $818,858 (1.5%) | 1.50 | 584 |
| 2022-11-01 | $630,500 (5.1%) | $826,388 (2.1%) | 1.52 | 541 |
| 2022-12-01 | $618,000 (3.1%) | $818,528 (-1.0%) | 1.53 | 460 |
| 2023-01-01 | $609,987 (4.3%) | $824,614 (-7.0%) | 1.51 | 366 |
| 2023-02-01 | $599,000 (-9.6%) | $799,626 (-16.7%) | 1.45 | 366 |
| 2023-03-01 | $621,000 (-4.0%) | $816,964 (-11.1%) | 1.46 | 378 |
| 2023-04-01 | $650,000 (0.2%) | $847,225 (-1.0%) | 1.51 | 375 |
| 2023-05-01 | $672,000 (-3.6%) | $863,492 (-1.1%) | 1.52 | 456 |
| 2023-06-01 | $652,274 (-3.3%) | $833,365 (0.1%) | 1.47 | 503 |
| 2023-07-01 | $659,925 (2.0%) | $843,914 (5.8%) | 1.50 | 499 |
| 2023-08-01 | $686,975 (6.3%) | $876,804 (8.6%) | 1.58 | 525 |
| 2023-09-01 | $698,900 (9.7%) | $888,539 (9.1%) | 1.63 | 498 |
| 2023-10-01 | $699,000 (9.4%) | $915,437 (11.8%) | 1.64 | 493 |
| 2023-11-01 | $698,500 (10.8%) | $924,235 (11.8%) | 1.66 | 491 |
| 2023-12-01 | $688,944 (11.5%) | $932,752 (14.0%) | 1.68 | 398 |
| 2024-01-01 | $698,750 (14.6%) | $950,586 (15.3%) | 1.71 | 317 |
| 2024-02-01 | $697,475 (16.4%) | $965,286 (20.7%) | 1.68 | 296 |
| 2024-03-01 | $725,000 (16.8%) | $984,179 (20.5%) | 1.71 | 297 |
| 2024-04-01 | $723,500 (11.3%) | $974,252 (15.0%) | 1.68 | 379 |
| 2024-05-01 | $698,375 (3.9%) | $948,588 (9.9%) | 1.59 | 471 |
| 2024-06-01 | $699,995 (7.3%) | $951,965 (14.2%) | 1.59 | 502 |
| 2024-07-01 | $697,450 (5.7%) | $894,968 (6.1%) | 1.60 | 615 |
| 2024-08-01 | $687,000 (0.0%) | $875,578 (-0.1%) | 1.60 | 646 |
| 2024-09-01 | $686,500 (-1.8%) | $861,160 (-3.1%) | 1.62 | 641 |
| 2024-10-01 | $692,450 (-0.9%) | $857,955 (-6.3%) | 1.63 | 630 |
| 2024-11-01 | $679,000 (-2.8%) | $842,571 (-8.8%) | 1.63 | 576 |
| 2024-12-01 | $656,750 (-4.7%) | $815,006 (-12.6%) | 1.63 | 491 |
| 2025-01-01 | $650,000 (-7.0%) | $794,368 (-16.4%) | 1.62 | 413 |
| 2025-02-01 | $648,000 (-7.1%) | $794,158 (-17.7%) | 1.57 | 442 |
| 2025-03-01 | $676,000 (-6.8%) | $851,093 (-13.5%) | 1.59 | 488 |
| 2025-04-01 | $690,000 (-4.6%) | $856,528 (-12.1%) | 1.60 | 606 |
| 2025-05-01 | $699,000 (0.1%) | $885,155 (-6.7%) | 1.59 | 759 |
| 2025-06-01 | $701,225 (0.2%) | $887,091 (-6.8%) | 1.59 | 835 |
BELLINGHAM's median listing price for 2025-06-01 was $701,225, a difference of
$1,230
(0.2%) versus the prior year and
$2,225 versus the prior month.
BELLINGHAM's median listing price comes in at 159% of the national average.
BELLINGHAM's average listing price for 2025-06-01 was $887,091, a difference of $-64,874 (-6.8%) versus the prior year and $1,936 versus the prior month.
For the 2025-06-01 period, BELLINGHAM had 835 MLS listings, a difference of 76 listings (10%) versus the prior month and 333 listings (66%) versus the prior year.
BELLINGHAM's median listing price comes in at 159% of the national average.
BELLINGHAM's average listing price for 2025-06-01 was $887,091, a difference of $-64,874 (-6.8%) versus the prior year and $1,936 versus the prior month.
For the 2025-06-01 period, BELLINGHAM had 835 MLS listings, a difference of 76 listings (10%) versus the prior month and 333 listings (66%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - BELLINGHAM (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 81 days | 1,908 sqft |
| 2018-02-01 | 75 days | 1,929 sqft |
| 2018-03-01 | 47 days | 1,890 sqft |
| 2018-04-01 | 41 days | 1,899 sqft |
| 2018-05-01 | 37 days | 1,936 sqft |
| 2018-06-01 | 37 days | 1,956 sqft |
| 2018-07-01 | 42 days | 1,940 sqft |
| 2018-08-01 | 40 days | 1,836 sqft |
| 2018-09-01 | 49 days | 1,866 sqft |
| 2018-10-01 | 53 days | 1,948 sqft |
| 2018-11-01 | 57 days | 1,908 sqft |
| 2018-12-01 | 71 days | 1,847 sqft |
| 2019-01-01 | 72 days | 1,820 sqft |
| 2019-02-01 | 64 days | 1,901 sqft |
| 2019-03-01 | 54 days | 1,864 sqft |
| 2019-04-01 | 43 days | 1,810 sqft |
| 2019-05-01 | 39 days | 1,870 sqft |
| 2019-06-01 | 40 days | 1,920 sqft |
| 2019-07-01 | 44 days | 1,917 sqft |
| 2019-08-01 | 48 days | 1,903 sqft |
| 2019-09-01 | 53 days | 1,897 sqft |
| 2019-10-01 | 57 days | 1,893 sqft |
| 2019-11-01 | 64 days | 1,904 sqft |
| 2019-12-01 | 77 days | 1,837 sqft |
| 2020-01-01 | 92 days | 1,835 sqft |
| 2020-02-01 | 87 days | 1,821 sqft |
| 2020-03-01 | 41 days | 1,832 sqft |
| 2020-04-01 | 41 days | 1,779 sqft |
| 2020-05-01 | 54 days | 1,807 sqft |
| 2020-06-01 | 56 days | 1,815 sqft |
| 2020-07-01 | 46 days | 1,848 sqft |
| 2020-08-01 | 45 days | 1,837 sqft |
| 2020-09-01 | 44 days | 1,764 sqft |
| 2020-10-01 | 44 days | 1,785 sqft |
| 2020-11-01 | 57 days | 1,715 sqft |
| 2020-12-01 | 67 days | 1,633 sqft |
| 2021-01-01 | 77 days | 1,565 sqft |
| 2021-02-01 | 54 days | 1,592 sqft |
| 2021-03-01 | 39 days | 1,662 sqft |
| 2021-04-01 | 36 days | 1,647 sqft |
| 2021-05-01 | 28 days | 1,744 sqft |
| 2021-06-01 | 28 days | 1,790 sqft |
| 2021-07-01 | 33 days | 1,832 sqft |
| 2021-08-01 | 30 days | 1,880 sqft |
| 2021-09-01 | 35 days | 1,882 sqft |
| 2021-10-01 | 34 days | 1,882 sqft |
| 2021-11-01 | 39 days | 1,889 sqft |
| 2021-12-01 | 51 days | 1,858 sqft |
| 2022-01-01 | 46 days | 1,712 sqft |
| 2022-02-01 | 29 days | 1,940 sqft |
| 2022-03-01 | 23 days | 1,863 sqft |
| 2022-04-01 | 22 days | 1,857 sqft |
| 2022-05-01 | 22 days | 1,903 sqft |
| 2022-06-01 | 23 days | 1,852 sqft |
| 2022-07-01 | 27 days | 1,830 sqft |
| 2022-08-01 | 36 days | 1,872 sqft |
| 2022-09-01 | 44 days | 1,877 sqft |
| 2022-10-01 | 46 days | 1,904 sqft |
| 2022-11-01 | 58 days | 1,910 sqft |
| 2022-12-01 | 65 days | 1,892 sqft |
| 2023-01-01 | 79 days | 1,870 sqft |
| 2023-02-01 | 76 days | 1,817 sqft |
| 2023-03-01 | 46 days | 1,872 sqft |
| 2023-04-01 | 44 days | 1,864 sqft |
| 2023-05-01 | 37 days | 1,990 sqft |
| 2023-06-01 | 39 days | 1,921 sqft |
| 2023-07-01 | 44 days | 1,951 sqft |
| 2023-08-01 | 43 days | 1,946 sqft |
| 2023-09-01 | 49 days | 1,979 sqft |
| 2023-10-01 | 50 days | 1,996 sqft |
| 2023-11-01 | 56 days | 1,977 sqft |
| 2023-12-01 | 71 days | 1,969 sqft |
| 2024-01-01 | 86 days | 1,967 sqft |
| 2024-02-01 | 73 days | 1,960 sqft |
| 2024-03-01 | 44 days | 1,922 sqft |
| 2024-04-01 | 32 days | 1,914 sqft |
| 2024-05-01 | 30 days | 1,916 sqft |
| 2024-06-01 | 36 days | 1,866 sqft |
| 2024-07-01 | 35 days | 1,850 sqft |
| 2024-08-01 | 40 days | 1,808 sqft |
| 2024-09-01 | 51 days | 1,857 sqft |
| 2024-10-01 | 59 days | 1,892 sqft |
| 2024-11-01 | 60 days | 1,826 sqft |
| 2024-12-01 | 69 days | 1,778 sqft |
| 2025-01-01 | 81 days | 1,770 sqft |
| 2025-02-01 | 59 days | 1,783 sqft |
| 2025-03-01 | 44 days | 1,846 sqft |
| 2025-04-01 | 37 days | 1,868 sqft |
| 2025-05-01 | 36 days | 1,908 sqft |
| 2025-06-01 | 44 days | 1,913 sqft |
BELLINGHAM's median listing age (time on market) for 2025-06-01 was 44 days.
This
is 21%
longer
than the same period one year ago.
BELLINGHAM's median square footage for active listings during the 2025-06-01 period was 1,913 sqft. One year prior, the average listing was 1,866 sqft.
BELLINGHAM's median square footage for active listings during the 2025-06-01 period was 1,913 sqft. One year prior, the average listing was 1,866 sqft.
BELLINGHAM, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,291 | $1,109,095,000 | $484,110 |
| Home Improvement | 565 | $66,885,000 | $118,381 |
| Cash Out Refi | 484 | $139,560,000 | $288,347 |
| Other | 416 | $62,190,000 | $149,495 |
| Refi | 411 | $318,215,000 | $774,246 |
Bellingham's most frequently cited loan purpose was Home Purchase, with 2,291 originations. The 2nd most popular reason was Home Improvement, with 565 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,565 | $767,415,000 | $490,361 |
| Over 8% | 1,150 | $189,770,000 | $165,017 |
| 7-8% | 781 | $397,795,000 | $509,341 |
| 5-6% | 447 | $246,825,000 | $552,181 |
| <2.5% | 69 | $2,435,000 | $35,290 |
| 4-5% | 45 | $22,075,000 | $490,556 |
| 2.5-3% | 5 | $2,055,000 | $411,000 |
| 3-4% | 4 | $1,420,000 | $355,000 |
During 2024, Bellingham's most frequently originated rate bucket was 6-7%, with 1,565 originations.
Loan Sizing (BELLINGHAM, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 1,123 | $551,615,000 | $491,198 |
| $200k-400k | 1,048 | $315,900,000 | $301,431 |
| $100,000 or less | 706 | $38,940,000 | $55,156 |
| $100k-200k | 612 | $82,680,000 | $135,098 |
| $600k-1000k | 561 | $402,785,000 | $717,977 |
| $Over $1MM | 117 | $304,025,000 | $2,598,504 |
BELLINGHAM's loan sizing saw the bucket of loans from $400k-600k with 1,123 originations, totaling $551,615,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,136 | $606,050,000 | $533,495 |
| Under 20% | 968 | $78,630,000 | $81,229 |
| 60-80% | 848 | $555,780,000 | $655,401 |
| 20-40% | 591 | $141,865,000 | $240,042 |
| 40-60% | 453 | $193,795,000 | $427,804 |
| Over 100% | 37 | $38,955,000 | $1,052,838 |
BELLINGHAM's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,136 originations, totaling $606,050,000 in origination value.