BELLINGHAM Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bellingham averaged 3.2% for the week of 2021-12-02, compared to the national average of 3.11% for the same period.

The average rate for the prior week (2021-11-24) was 3.29% and one month ago for the week of 2021-10-28, the average rate was 3.13%.

Bellingham's average rate one year ago was 2.61%.

For refis of the same type during the week of 2021-12-02, the average rate was 3.39%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-12-02 3.11%
Bellingham 30 Year Fixed Rate 2021-12-02 3.2%
Bellingham 30 Year Fixed Rate Refi 2021-12-02 3.39%
Bellingham 15 Year Fixed Rate 2021-12-02 2.92%
Bellingham 15 Year Fixed Rate Refi 2021-12-02 2.66%
Bellingham 30 Year FHA 2021-12-02 3.26%
Bellingham 30 Year FHA Refi 2021-12-02 3.44%
Bellingham 30 Year USDA 2021-12-02 2.95%
Bellingham 30 Year USDA Refi 2021-12-02 3.29%
Bellingham 30 Year VA 2021-12-02 3.33%
Bellingham 30 Year VA Refi 2021-12-02 2.93%
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 lendor, 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.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
CALIBER HOME LOANS, INC. 1,192 3.20% $4,133
Umpqua Bank 1,089 3.31% $4,522
Peoples Bank 650 3.28% $3,797
WHATCOM EDUCATIONAL CREDIT UNION 643 3.39% $3,495
Bank of the Pacific 551 3.02% $2,996
QUICKEN LOANS, LLC 478 3.20% $5,658
GUILD MORTGAGE COMPANY 274 3.22% $4,257
UNITED WHOLESALE MORTGAGE, LLC 219 3.06% $4,466
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 196 3.35% $4,004
Banner Bank 186 3.35% $3,854
HOMEBRIDGE FINANCIAL SERVICES, INC. 155 3.27% $4,536
Wells Fargo Bank, National Association 138 3.36% $3,138
U.S. Bank National Association 138 3.26% $3,116
MOVEMENT MORTGAGE, LLC 121 3.30% $3,919
LOANDEPOT.COM, LLC 92 3.12% $4,884
JPMorgan Chase Bank, National Association 90 3.39% $3,815
LEADERONE FINANCIAL CORPORATION 74 3.07% $2,752
KeyBank National Association 73 3.27% $3,318
BETTER MORTGAGE CORPORATION 72 2.84% $3,419
Washington Federal Bank, National Association 70 3.73% $6,721
BKCO MORTGAGE, LLC 57 3.25% $2,512
Heritage Bank 56 3.12% $4,376
PENNYMAC LOAN SERVICES, LLC 55 3.12% $4,788
AMERICAN PACIFIC MORTGAGE CORPORATION 47 3.37% $4,873
AMERISAVE MORTGAGE CORPORATION 46 2.85% $4,641
Boeing Employees Credit Union 42 3.34% $3,634
INDUSTRIAL CU OF WHATCOM COUNTY 42 3.29% $2,061
BROKER SOLUTIONS, INC. 41 3.19% $4,530
Bank of America, National Association 40 3.36% $4,480
Flagstar Bank, FSB 38 3.30% $4,566
FINANCE OF AMERICA MORTGAGE LLC 36 3.29% $3,856
NEWREZ LLC 32 3.33% $3,524
InterContinental Capital Group, Inc 32 3.13% $5,817
NAVY FEDERAL CREDIT UNION 30 3.25% $5,428
BAY EQUITY LLC 28 3.31% $5,792
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 28 3.15% $3,391
PROVIDENT FUNDING ASSOCIATES, L.P. 27 3.16% $2,871
Strong Home Mortgage, LLC 26 3.01% $1,712
CHERRY CREEK MORTGAGE, LLC 25 3.26% $2,538
HOME POINT FINANCIAL CORPORATION 24 3.13% $4,966
MUTUAL OF OMAHA MORTGAGE, INC. 22 3.15% $2,105
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 22 3.29% $6,201
NATIONSTAR MORTGAGE LLC 21 3.50% $6,220
1st Security Bank of Washington 20 3.02% $4,787
FirstBank 20 3.07% $2,091
Columbia State Bank 19 3.05% $3,316
CORNERSTONE HOME LENDING, INC. 18 2.97% $4,611
CROSSCOUNTRY MORTGAGE, LLC 17 3.00% $2,721
ACADEMY MORTGAGE CORPORATION 16 3.19% $5,959
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 3.44% $7,115
NFM, INC. 16 2.92% $4,994
CELEBRITY HOME LOANS, LLC 16 3.42% $2,557
The Federal Savings Bank 13 3.14% $8,901
HomeStreet Bank 13 3.12% $4,181
FREEDOM MORTGAGE CORPORATION 12 3.31% $1,820
ZILLOW HOME LOANS, LLC 12 2.99% $2,857
Servion, Inc. 11 4.05% $4,283
SAMMAMISH MORTGAGE COMPANY 11 3.24% $3,656
NBKC BANK 11 3.12% $2,120
USAA Federal Savings Bank 11 3.57% $5,142
Citizens Bank, National Association 10 3.11% $4,193
North American Savings Bank, F.S.B. 10 2.89% $1,755
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 10 3.23% $6,847
AXIA FINANCIAL, LLC 10 3.18% $4,159
LADERA LENDING, INC. 10 3.01% $3,710
PENRITH HOME LOANS LLC 9 2.97% $4,245
ON Q FINANCIAL, INC. 9 3.43% $4,553
NexBank 9 3.28% $3,656
PLANET HOME LENDING, LLC 9 3.59% $4,980
AMERICAN FINANCIAL NETWORK, INC. 8 3.09% $4,905
MUFG Union Bank, National Association 7 3.11% $4,159
Morgan Stanley Private Bank, National Association 7 3.13% $3,246
RBC Bank, (Georgia) National Association 7 3.05% $1,658
Northwest Farm Credit Services, FLCA 7 3.25% $10,381
GUARANTEED RATE, INC. 7 3.61% $4,633
ROUNDPOINT MORTGAGE SERVICING CORPORATION 7 3.36% $2,163
Charles Schwab Bank, SSB 7 2.81% $4,047
BNC National Bank 7 2.91% $3,788
Ally Bank 7 3.23% $9,410
Cf Bank, National Association 7 3.00% $1,571
PRIMARY RESIDENTIAL MORTGAGE, INC. 7 2.95% $3,417
Wolfe Financial, Inc 6 2.98% $9,545
PENTAGON FEDERAL CREDIT UNION 6 3.06% $2,408
Paramount Residential Mortgage Group, Inc. 6 2.96% $5,748
LENDUS, LLC 6 3.23% $3,759
Truist Bank 6 3.41% $3,195
SOVEREIGN LENDING GROUP INCORPORATED 6 2.92% $3,722
First Savings Bank 6 3.08% $10,706
Wyndham Capital Mortgage, Inc. 6 3.02% $3,583
Hometown Lenders, Inc. 6 2.98% $5,268
RANLIFE, INC. 6 2.81% $4,923
Alaska USA Mortgage Company LLC 5 3.00% $5,770
WASHINGTON STATE EMPLOYEES Credit Union 5 3.25% $2,696
DAS Acquisition Company, LLC 5 2.99% $4,181
Watermark Capital, Inc. 5 2.75% $2,674
LENDERFI, INC. 5 3.15% $1,191
AMERICAN FINANCING CORPORATION 5 3.15% $4,420
WESTWOOD MORTGAGE, INC. 5 3.25% $4,054
Sound Community Bank 5 3.00% $3,647
FIRST TECHNOLOGY 5 3.08% $4,567
NMSI, INC. 4 3.25% $10,507
Citibank, National Association 4 3.06% $4,170
TJC Mortgage, Inc. 4 3.03% $3,523
EVERETT FINANCIAL, INC. 4 2.75% $1,425
EMM LOANS LLC 4 3.25% $7,621
AMERICAN INTERNET MORTGAGE, INC. 4 3.13% $3,706
SOFI LENDING CORP. 4 3.25% $3,465
PREMIA MORTGAGE, LLC 4 2.28% $5,157
Qualstar Credit Union 4 4.00% $5,798
SECURITYNATIONAL MORTGAGE COMPANY 4 2.91% $5,903
CHURCHILL MORTGAGE CORPORATION 4 3.50% $3,281
SUMMIT FUNDING, INC. 4 3.53% $5,802
FIRST CHOICE LOAN SERVICES INC. 4 3.40% $583
Nations Lending Corporation 3 3.71% $9,613
CMG MORTGAGE, INC. 3 3.12% $5,072
UBS Bank USA 3 3.21% $4,108
TOP FLITE FINANCIAL, INC. 3 3.17% $7,605
ARC HOME LLC 3 3.33% $5,692
CITYWIDE HOME LOANS, LLC 3 3.58% $3,959
Wallick & Volk, Inc. 3 3.42% $3,243
Third Federal Savings and Loan Association of Cleveland 3 2.89% $1,292
T2 FINANCIAL LLC 3 3.50% $3,552
Stifel Bank and Trust 3 3.08% $2,598
Cashmere Valley Bank 3 3.21% $1,850
BAYSHORE MORTGAGE FUNDING, LLC 3 3.33% $4,886
MANN FINANCIAL INC. 3 3.42% $2,947
HOMESTEAD FUNDING CORP. 3 3.04% $2,769
NATIONS DIRECT MORTGAGE, LLC 3 3.33% $2,815
OAKTREE FUNDING CORP. 3 3.08% $1,259
PREMIER MORTGAGE RESOURCES, L.L.C. 3 3.42% $8,375
PHH Mortgage Corporation 3 3.63% $4,179
CU HOME MORTGAGE SOLUTIONS, LLC 3 3.58% $1,959
Zions Bancorporation, N.A. 2 3.44% $3,771
AMERICAN FINANCIAL RESOURCES, INC. 2 3.31% $5,417
Amerifirst Financial, Inc. 2 3.44% $2,996
AmeriHome Mortgage Company, LLC 2 3.63% $1,589
ASSEMBLIES OF GOD Credit Union 2 3.19% $2,401
Bank of England 2 3.00% $2,969
Bank of the West 2 3.31% $4,515
Barrington Bank & Trust Company, N.A. 2 3.43% $2,955
BBVA USA 2 3.19% $11,865
CANOPY MORTGAGE, LLC 2 2.88% $4,223
Carrington Mortgage Services, LLC 2 2.94% $4,556
City National Bank 2 3.24% $3,601
COLUMBIA COMMUNITY CREDIT UNION 2 2.88% $4,640
Commerce Home Mortgage, Inc. 2 3.06% $2,308
DIRECTORS MORTGAGE, INC. 2 2.88% $12,308
ENVOY MORTGAGE, LTD 2 3.06% $5,932
First Home Bank 2 2.75% $5,300
Franklin Loan Corporation 2 2.94% $2,987
GESA 2 2.75% $6,470
HighTechLending Inc 2 3.06% $5,965
KELLER MORTGAGE, LLC 2 2.94% $2,070
LOANPAL, LLC 2 3.25% $5,233
LOANSNAP, INC. 2 2.81% $1,470
MORTGAGE MASTER SERVICE CORPORATION 2 3.19% $5,243
NETWORK CAPITAL FUNDING CORPORATION 2 3.75% $1,740
NEXERA HOLDING LLC 2 3.06% $2,323
NorthWest Plus Credit Union 2 3.25% $6,975
NOVA FINANCIAL & INVESTMENT CORPORATION 2 2.94% $3,300
PNC Bank, National Association 2 3.44% $4,155
ROYAL UNITED MORTGAGE LLC 2 3.31% $13,952
Semper Home Loans, Inc. 2 4.00% $3,812
SOUND 2 3.25% $3,848
The Loan Store, Inc. 2 2.88% $5,526
TIAA, FSB 2 3.25% $3,110
MICHIGAN MUTUAL, INC. 1 2.88% $2,517
ONY GLO, INC. 1 3.75% $2,824
Merchants Bank of Indiana 1 2.63% $3,277
PARKSIDE LENDING, LLC 1 3.00% $2,083
Manufacturers and Traders Trust Company 1 3.50% $7,794
LO, INC. 1 2.63% $3,758
LOANLEADERS OF AMERICA, INC. 1 2.88% $2,501
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.00% $1,660
LAKEVIEW LOAN SERVICING, LLC 1 3.38% $1,938
KITSAP Credit Union 1 3.63% $3,192
PLAZA HOME MORTGAGE, INC. 1 3.13% $6,390
Wheatland Bank 1 2.75% $5,496
KINECTA 1 2.88% $7,077
PREMIER LENDING, INC. 1 2.50% $12,097
JMAC LENDING, INC. 1 3.50% $1,918
Presidential Bank, FSB 1 3.88% $3,371
JAMES B. NUTTER & COMPANY 1 3.38% $3,877
iQ Credit Union 1 2.75% $1,811
PRIORITY HOME LENDING, LLC 1 3.38% $2,799
Prosperity Home Mortgage, LLC 1 3.50% $3,357
INLAND BANK & TRUST 1 3.88% $2,816
PURDUE FEDERAL CREDIT UNION 1 3.25% $2,412
IDAHO CENTRAL 1 3.25% $3,209
HSBC BANK USA, NATIONAL ASSOCIATION 1 3.32% $2,958
HOMEXPRESS MORTGAGE CORP. 1 5.75% $3,855
GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $3,025
RELIANCE FIRST CAPITAL, LLC 1 8.13% $7,668
Republic Bank & Trust Company 1 3.38% $4,093
GSF Mortgage Corporation 1 3.25% $3,082
WINGS FINANCIAL 1 3.00% $3,416
Goldwater Bank, N.A. 1 2.88% $5,425
GLOBAL 1 3.00% $4,937
Arvest Bank 1 2.88% $4,831
GENEVA FINANCIAL, LLC 1 3.38% $4,083
Sierra Pacific Mortgage Company, Inc. 1 3.00% $7,383
Gateway First Bank 1 3.38% $2,768
Solarity Credit Union 1 3.13% $6,456
AmRes Corporation 1 3.63% $6,471
First Republic Bank 1 3.45% $4,183
First National Bank of America 1 7.38% $11,653
SPOKANE TEACHERS 1 3.13% $5,421
SPRING EQ, LLC 1 2.50% $1,482
STEARNS LENDING, LLC 1 2.88% $7,723
First Midwest Bank 1 2.75% $5,343
First Interstate Bank 1 3.25% $2,892
First Internet Bank of Indiana 1 3.25% $2,300
Summit Mortgage Corporation 1 2.88% $2,500
SUMMIT MORTGAGE CORPORATION 1 2.88% $2,017
Sunflower Bank, National Association 1 2.88% $3,952
SUN WEST MORTGAGE COMPANY, INC. 1 2.63% $0
First Guaranty Mortgage Corporation 1 2.63% $1,845
The Central Trust Bank 1 2.38% $1,207
First Federal Bank 1 3.63% $3,111
AMERICAN HERITAGE LENDING, INC. 1 2.63% $3,666
First American Bank 1 3.00% $3,826
THRIVE MORTGAGE, LLC 1 3.38% $3,816
THRIVENT Federal Credit Union 1 3.00% $4,634
ADVANTIS 1 2.88% $2,237
TIB The Independent Bankersbank, National Association 1 2.75% $2,364
FBC MORTGAGE, LLC 1 3.00% $1,839
EMBRACE HOME LOANS, INC. 1 3.13% $1,102
EagleBank 1 3.38% $3,173
Truity Federal Credit Union 1 3.38% $1,550
DUPACO COMMUNITY 1 3.63% $4,474
Discover Bank 1 3.99% $0
DHI MORTGAGE COMPANY, LTD. 1 3.50% $2,513
Unitus Community Credit Union 1 2.88% $2,965
Community First National Bank 1 2.75% $2,163
Colten Mortgage, LLC 1 3.63% $3,642
V.I.P. MORTGAGE, INC. 1 3.38% $11,706
CITIZENS EQUITY FIRST 1 3.50% $2,148
Citadel Servicing Corporation 1 6.25% $11,758
Cache Valley Bank 1 2.63% $1,134
Washington Trust Bank 1 3.50% $4,215
BMO Harris Bank National Association 1 3.63% $3,738
Axos Bank 1 2.63% $2,101
WESTERN EXPRESS LENDING 1 3.25% $4,071
NBH Bank 1 2.99% $4,911
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 3.00% $6,283
Mortgage Research Center, LLC 1 2.75% $2,533
MORTGAGE LENDING GROUP LLC 1 2.85% $3,923
Austin Capital Bank SSB 1 3.38% $2,540
Notre Dame Federal Credit Union Corporation 1 3.25% $2,952
Aurora Financial, LLC 1 3.63% $2,067
MORIA DEVELOPMENT, INC. 1 3.38% $6,116

BELLINGHAM, WA's 251 lenders originated 13,364 loans during 2020. The total origination value was $4,364,010,000, with an average loan value of $326,550.

The top BELLINGHAM lender as defined by loan originations is CALIBER HOME LOANS, INC., with 1,192 loans originated. Their average total fees are $4,133, which is $389 lower than the next largest lender, Umpqua Bank.

The lowest fee BELLINGHAM lenders (with over 10 loans originated) are Strong Home Mortgage, LLC ($1,712), North American Savings Bank, F.S.B. ($1,755), FREEDOM MORTGAGE CORPORATION ($1,820), INDUSTRIAL CU OF WHATCOM COUNTY ($2,061) and FirstBank ($2,091).

The lowest rate BELLINGHAM lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.84%), AMERISAVE MORTGAGE CORPORATION (2.85%), North American Savings Bank, F.S.B. (2.89%), NFM, INC. (2.92%) and CORNERSTONE HOME LENDING, INC. (2.97%).

BELLINGHAM, WA Lender 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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Umpqua Bank $328,885,000 $588,635,000 79.0% 13.5%
Caliber Home Loans Inc $278,105,000 $536,715,000 93.0% 12.3%
Whatcom Educational Credit Union $219,825,000 $325,385,000 48.0% 7.5%
Peoples Bank $1,070,000 $301,250,000 28,054.2% 6.9%
Bank of The Pacific $153,405,000 $262,880,000 71.4% 6.0%
Quicken Loans $113,115,000 $252,175,000 122.9% 5.8%
Guild Mortgage Company $102,805,000 $124,185,000 20.8% 2.8%
United Shore Financial Services LLC $52,395,000 $100,095,000 91.0% 2.3%
Banner Bank $65,480,000 $99,370,000 51.8% 2.3%
US BANK, N.A. $41,060,000 $93,740,000 128.3% 2.1%
FAIRWAY INDEPENDENT MORT CORP $50,315,000 $85,850,000 70.6% 2.0%
WELLS FARGO BANK NA $94,170,000 $84,680,000 -10.1% 1.9%
HomeBridge Financial Services, Inc. $28,275,000 $76,785,000 171.6% 1.8%
Washington Federal $63,680,000 $68,125,000 7.0% 1.6%
MOVEMENT MORTGAGE, LLC $19,975,000 $55,360,000 177.1% 1.3%
JPMorgan Chase Bank, NA $43,755,000 $52,825,000 20.7% 1.2%
Freedom Mortgage Corporation $6,960,000 $52,275,000 651.1% 1.2%
First Federal Savings and Loan Association of Port Angeles $11,715,000 $50,555,000 331.5% 1.2%
KeyBank National Association $35,265,000 $47,500,000 34.7% 1.1%
loanDepot LLC $23,010,000 $45,920,000 99.6% 1.1%
Better Mortgage Corporation $6,445,000 $36,935,000 473.1% 0.8%
PENNYMAC LOAN SERVICES LLC $10,730,000 $34,960,000 225.8% 0.8%
Boeing Employees' Credit Union (BECU) $33,460,000 $33,300,000 -0.5% 0.8%
LeaderOne Financial Corp. $3,045,000 $31,605,000 937.9% 0.7%
Bank of America NA $28,875,000 $28,445,000 -1.5% 0.7%
American Pacific Mortgage Corporation $9,345,000 $27,430,000 193.5% 0.6%
Heritage Bank $54,005,000 $26,195,000 -51.5% 0.6%
New American Funding (dba for Broker Solutions Inc) $9,725,000 $25,505,000 162.3% 0.6%
Amerisave Mortgage Corporation $2,815,000 $22,360,000 694.3% 0.5%
Finance of America Mortgage LLC $10,780,000 $18,365,000 70.4% 0.4%
Nationstar Mortgage $14,830,000 $17,965,000 21.1% 0.4%
Mortgage Research Center LLC $10,330,000 $17,515,000 69.6% 0.4%
NAVY FEDERAL CREDIT UNION $12,330,000 $16,775,000 36.1% 0.4%
USAA FEDERAL SAVINGS BANK $17,350,000 $16,565,000 -4.5% 0.4%
Industrial Credit Union $11,915,000 $16,520,000 38.6% 0.4%
Home Point Financial Corporation $2,680,000 $16,280,000 507.5% 0.4%
NEWREZ LLC $6,305,000 $16,245,000 157.7% 0.4%
Flagstar Bank $12,725,000 $16,095,000 26.5% 0.4%
Midland States Bank $13,505,000 n/a 0.3%
Cardinal Financial Company LP $2,260,000 $13,440,000 494.7% 0.3%
The Federal Savings Bank $5,860,000 $13,365,000 128.1% 0.3%
Bay Equity LLC $4,570,000 $13,325,000 191.6% 0.3%
Cherry Creek Mortgage Co. Inc. $1,490,000 $12,195,000 718.5% 0.3%
Intercontinental Capital Group, Inc. $5,335,000 $11,650,000 118.4% 0.3%
Spokane Teachers Credit Union $9,640,000 $11,565,000 20.0% 0.3%
Mid America Mortgage Inc. $4,400,000 $11,325,000 157.4% 0.3%
Evergreen Moneysource Mortgage Company $4,780,000 $11,100,000 132.2% 0.3%
Synergy One Lending $5,255,000 $10,505,000 99.9% 0.2%
Jones Lang LaSalle Multifamily $10,080,000 n/a 0.2%
Provident Funding Associates $8,840,000 $9,095,000 2.9% 0.2%
Lakeview Loan Servicing, LLC $3,660,000 $8,880,000 142.6% 0.2%
Columbia State Bank $3,625,000 $8,860,000 144.4% 0.2%
FirstBank $2,545,000 $8,500,000 234.0% 0.2%
1st Security Bank of Washington $3,795,000 $8,335,000 119.6% 0.2%
CORNERSTONE HOME LENDING, INC. $4,605,000 $8,270,000 79.6% 0.2%
NBKC Bank $8,265,000 $7,850,000 -5.0% 0.2%
PRIMELENDING $3,985,000 $7,720,000 93.7% 0.2%
WALKER & DUNLOP, LLC $7,695,000 n/a 0.2%
Academy Mortgage Corporation $7,325,000 $6,955,000 -5.1% 0.2%
Alaska USA Mortgage Company, LLC $4,780,000 $6,740,000 41.0% 0.2%
Midwest Equity Mortgage LLC $1,350,000 $6,405,000 374.4% 0.1%
North American Savings Bank $1,405,000 $6,125,000 335.9% 0.1%
Northwest Farm Credit Services, FLCA $1,495,000 $5,730,000 283.3% 0.1%
Charles Schwab Bank $995,000 $5,550,000 457.8% 0.1%
Ladera Lending, Inc. $1,980,000 $5,535,000 179.5% 0.1%
NFM, Inc. $5,510,000 n/a 0.1%
HomeStreet Bank $14,245,000 $5,080,000 -64.3% 0.1%
On Q Financial Inc. $1,545,000 $4,885,000 216.2% 0.1%
Mortgage Lenders of America LLC $4,860,000 n/a 0.1%
American Financial Network Inc. $3,715,000 $4,845,000 30.4% 0.1%
Sammamish Mortgage Company $3,050,000 $4,785,000 56.9% 0.1%
Sovereign Lending Group, Inc $4,730,000 n/a 0.1%
Highlands Residential Mortgage Ltd $4,620,000 n/a 0.1%
WMS Series LLC $2,465,000 $4,340,000 76.1% 0.1%
Planet Home Lending LLC $2,080,000 $4,250,000 104.3% 0.1%
Morgan Stanley Private Bank NA $1,290,000 $4,175,000 223.6% 0.1%
Guaranteed Rate Inc. $5,145,000 $3,975,000 -22.7% 0.1%
Axia Financial LLC $1,150,000 $3,945,000 243.0% 0.1%
TJC Mortgage, Inc. $670,000 $3,850,000 474.6% 0.1%
CARRINGTON MORTGAGE SERVICES $5,410,000 $3,840,000 -29.0% 0.1%
Sun West Mortgage Company Inc. $1,150,000 $3,840,000 233.9% 0.1%
NewDay Financial LLC dba NewDay USA $2,245,000 $3,805,000 69.5% 0.1%
Paramount Residential Mortgage Group Inc. $1,545,000 $3,800,000 146.0% 0.1%
BNC NATIONAL BANK $2,300,000 $3,790,000 64.8% 0.1%
Servion, Inc. $1,385,000 $3,755,000 171.1% 0.1%
Pentagon Federal Credit Union $645,000 $3,690,000 472.1% 0.1%
CBNA $4,140,000 $3,600,000 -13.0% 0.1%
Wyndham Capital Mortgage $1,015,000 $3,500,000 244.8% 0.1%
First Technology Credit Union $1,330,000 $3,450,000 159.4% 0.1%
RANLife, Inc. $3,435,000 n/a 0.1%
TCF National Bank $4,660,000 $3,430,000 -26.4% 0.1%
Wolfe Financial Inc. DBA Integrity Mortgage Group $1,635,000 $3,385,000 107.0% 0.1%
Branch Banking And Trust Co $3,305,000 n/a 0.1%
AAG $1,800,000 $3,240,000 80.0% 0.1%
AimLoan.com $405,000 $3,215,000 693.8% 0.1%
Network Capital Funding Corporation $440,000 $3,210,000 629.5% 0.1%
MUFG Union Bank, NA $2,445,000 $3,195,000 30.7% 0.1%
American Financing Corporation $1,010,000 $3,095,000 206.4% 0.1%
UBS Bank USA $405,000 $2,945,000 627.2% 0.1%
Primary Residential Mortgage Inc. $1,170,000 $2,930,000 150.4% 0.1%
First Savings Bank $1,515,000 $2,885,000 90.4% 0.1%
RED MORTGAGE CAPITAL, LLC $2,855,000 n/a 0.1%
Citibank, N.A. $1,955,000 $2,840,000 45.3% 0.1%
Homestead Funding Corp. $345,000 $2,715,000 687.0% 0.1%
DAS Acquisition Company, LLC $1,065,000 $2,525,000 137.1% 0.1%
Churchill Mortgage Corporation $125,000 $2,500,000 1,900.0% 0.1%
NMSI Inc $2,490,000 n/a 0.1%
CMG Mortgage Inc. $1,995,000 $2,440,000 22.3% 0.1%
SecurityNational Mortgage Company $840,000 $2,420,000 188.1% 0.1%
Third Federal Savings and Loan $3,690,000 $2,390,000 -35.2% 0.1%
Cf Bank National Association $1,930,000 $2,365,000 22.5% 0.1%
Washington State Employees Credit Union $3,955,000 $2,335,000 -41.0% 0.1%
Supreme Lending/ Everett Financial Inc. $1,515,000 $2,315,000 52.8% 0.1%
LendUS LLC dba RPM Mortgage $3,350,000 $2,275,000 -32.1% 0.1%
PHH MORTGAGE CORPORATION $800,000 $2,205,000 175.6% 0.1%
Washington Trust Bank $175,000 $2,180,000 1,145.7% 0.0%
Farmers Bank & Trust $2,175,000 n/a 0.0%
Watermark Home Loans $1,745,000 $2,165,000 24.1% 0.0%
Hometown Lenders LLC $305,000 $2,135,000 600.0% 0.0%
Sound Community Bank $8,235,000 $2,125,000 -74.2% 0.0%
Directors Mortgage, Inc. $1,115,000 $2,120,000 90.1% 0.0%
Open Mortgage LLC $295,000 $2,025,000 586.4% 0.0%
TIAA, FSB $3,575,000 $1,980,000 -44.6% 0.0%
First Choice Loan Services Inc. $5,190,000 $1,975,000 -61.9% 0.0%
Premier Mortgage Resources LLC $1,200,000 $1,970,000 64.2% 0.0%
Bayshore Mortgage Funding LLC $1,055,000 $1,890,000 79.1% 0.0%
Village Capital & Investment $1,890,000 n/a 0.0%
RBC Bank (Georgia), N.A. $1,945,000 $1,855,000 -4.6% 0.0%
Finance of America Reverse LLC $1,965,000 $1,815,000 -7.6% 0.0%
Mortgage Solutions of Colorado LLC $620,000 $1,795,000 189.5% 0.0%
Barrington Bank & Trust $775,000 $1,790,000 131.0% 0.0%
Premia Mortgage, LLC $1,040,000 $1,770,000 70.2% 0.0%
Westwood Mortgage $965,000 $1,765,000 82.9% 0.0%
NW Plus CU $1,420,000 $1,755,000 23.6% 0.0%
Nations Lending Corporation $705,000 $1,655,000 134.8% 0.0%
Qualstar Credit Union $1,105,000 $1,610,000 45.7% 0.0%
SoFi Lending Corp $1,595,000 n/a 0.0%
American Financial Resources Inc. $905,000 $1,575,000 74.0% 0.0%
Summit Funding Inc. $1,490,000 $1,575,000 5.7% 0.0%
Dominion Financial Services $1,565,000 n/a 0.0%
Alaska USA Federal Credit Union $1,070,000 $1,555,000 45.3% 0.0%
COMPASS BANK $775,000 $1,530,000 97.4% 0.0%
Northpointe Bank $720,000 $1,480,000 105.6% 0.0%
LoanPal $1,430,000 $1,450,000 1.4% 0.0%
LenderFi, Inc. $1,550,000 $1,405,000 -9.4% 0.0%
V.I.P. Mortgage Inc. $1,000,000 $1,400,000 40.0% 0.0%
Nations Direct Mortgage LLC $640,000 $1,345,000 110.2% 0.0%
Reverse Mortgage Funding LLC $665,000 $1,345,000 102.3% 0.0%
BM REAL ESTATE SERVICES, INC. $1,820,000 $1,335,000 -26.6% 0.0%
WEI Mortgage LLC $1,310,000 n/a 0.0%
E Mortgage Management LLC $790,000 $1,305,000 65.2% 0.0%
Keller Mortgage LLC $470,000 $1,265,000 169.1% 0.0%
SALAL CREDIT UNION $245,000 $1,260,000 414.3% 0.0%
HighTechLending Inc. $695,000 $1,255,000 80.6% 0.0%
Truity Credit Union $1,615,000 $1,255,000 -22.3% 0.0%
BANK OF THE WEST $1,120,000 $1,230,000 9.8% 0.0%
City National Bank $505,000 $1,205,000 138.6% 0.0%
FIRST REPUBLIC BANK $1,205,000 n/a 0.0%
Commerce Home Mortgage Inc. $1,200,000 n/a 0.0%
ZB, N.A. $1,190,000 n/a 0.0%
Cashmere Valley Bank $1,180,000 n/a 0.0%
Sierra Pacific Mortgage $445,000 $1,170,000 162.9% 0.0%
PNC BANK NA $1,350,000 $1,160,000 -14.1% 0.0%
Stifel Bank and Trust $250,000 $1,135,000 354.0% 0.0%
AmeriHomeMortgageCompany,LL $430,000 $1,115,000 159.3% 0.0%
Semper Home Loans, Inc $645,000 $1,115,000 72.9% 0.0%
Stearns Lending $1,935,000 $1,105,000 -42.9% 0.0%
Mortgage Express $385,000 $1,095,000 184.4% 0.0%
GESA Credit Union $315,000 $1,090,000 246.0% 0.0%
Sound Credit Union $1,095,000 $1,040,000 -5.0% 0.0%
CU Home Mortgage Solutions LLC $400,000 $1,030,000 157.5% 0.0%
Low VA Rates $400,000 $1,025,000 156.3% 0.0%
Oaktree Funding Corporation $105,000 $1,025,000 876.2% 0.0%
top flite financial, inc. $1,025,000 n/a 0.0%
Union Home Mortgage Company $975,000 n/a 0.0%
Citywide Home Loans A Utah Corporation $965,000 n/a 0.0%
Axos Bank $935,000 n/a 0.0%
T2 Financial LLC $935,000 n/a 0.0%
Bank of England $520,000 $915,000 76.0% 0.0%
Assemblies Of God Credit Union $910,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $185,000 $905,000 389.2% 0.0%
Nudge Funding LLC $905,000 n/a 0.0%
Mann Mortgage LLC $895,000 n/a 0.0%
Red Canoe Credit Union $885,000 n/a 0.0%
Unitus Community Credit Union $850,000 n/a 0.0%
Wings Financial Credit Union $1,570,000 $850,000 -45.9% 0.0%
Michigan Mutual, Inc. DBA MiMutual Mortgage $245,000 $830,000 238.8% 0.0%
Cascade Financial Services $820,000 n/a 0.0%
First Midwest Bank $820,000 n/a 0.0%
OGI Mortgage Bankers $1,440,000 $820,000 -43.1% 0.0%
Envoy Mortgage Ltd. $1,780,000 $810,000 -54.5% 0.0%
GSF Mortgage Corporation $395,000 $810,000 105.1% 0.0%
Sunflower Bank, N.A. $805,000 $805,000 0.0% 0.0%
First Internet Bank $765,000 $800,000 4.6% 0.0%
Ethos Lending LLC $790,000 n/a 0.0%
Citadel Servicing Corporation $1,650,000 $765,000 -53.6% 0.0%
GATEWAY MORTGAGE GROUP $1,995,000 $765,000 -61.7% 0.0%
Advantis Credit Union $760,000 n/a 0.0%
First American Bank $720,000 n/a 0.0%
Goldwater Bank National Association $610,000 $720,000 18.0% 0.0%
M&T Bank $580,000 $710,000 22.4% 0.0%
Nexera Holding LLC $710,000 n/a 0.0%
Connexus Credit Union $695,000 n/a 0.0%
US Mortgage of Florida $695,000 n/a 0.0%
Residential Mortgage LLC $405,000 $690,000 70.4% 0.0%
Amerifirst Financial Inc. $675,000 n/a 0.0%
Columbia Credit Union $335,000 $655,000 95.5% 0.0%
Timberland Bank $410,000 $650,000 58.5% 0.0%
Franklin Loan Center $640,000 n/a 0.0%
East West Bank $635,000 n/a 0.0%
Bank 2 $1,495,000 $630,000 -57.9% 0.0%
Discover Bank $835,000 $630,000 -24.6% 0.0%
NOVA Financial & Investment Corporation dba: Nova Home Loans $630,000 n/a 0.0%
Dupaco Community Credit Union $620,000 n/a 0.0%
Reliance First Capital LLC $165,000 $600,000 263.6% 0.0%
City Lending Inc $580,000 n/a 0.0%
Civic Financial Services $500,000 $545,000 9.0% 0.0%
First Home Bank $540,000 n/a 0.0%
Mortgage Master Service Corporation $690,000 $525,000 -23.9% 0.0%
SPRING EQ, LLC $500,000 $520,000 4.0% 0.0%
Premier Lending Inc. $515,000 n/a 0.0%
Purdue Federal Credit Union $510,000 n/a 0.0%
Royal United Mortgage LLC $155,000 $510,000 229.0% 0.0%
Thrivent Federal Credit Union $505,000 n/a 0.0%
LoanSnap Inc $500,000 n/a 0.0%
Geneva Financial LLC $495,000 n/a 0.0%
UIF Corporation $495,000 n/a 0.0%
Angel Oak Mortgage Solutions $255,000 $490,000 92.2% 0.0%
Lenox Financial Mortgage Corp. $475,000 n/a 0.0%
Merchants Bank of Indiana $475,000 n/a 0.0%
THE CENTRAL TRUST BANK $475,000 n/a 0.0%
FIRST INTERSTATE BANK $400,000 $470,000 17.5% 0.0%
HAPO COMMUNITY CREDIT UNION $85,000 $465,000 447.1% 0.0%
Mid-Continent Funding, Inc. $455,000 n/a 0.0%
Alliant Credit Union $150,000 $430,000 186.7% 0.0%
BMO Harris Bank N.A. $835,000 $430,000 -48.5% 0.0%
American Nationwide Mortgage Company $425,000 n/a 0.0%
Republic Bank & Trust Company $375,000 $425,000 13.3% 0.0%
Mortgage Lending Group LLC $415,000 n/a 0.0%
Prosperity Home Mortgage LLC $405,000 n/a 0.0%
Belem Servicing, LLC dba Patriot Home Mortgage $760,000 $395,000 -48.0% 0.0%
KINECTA FEDERAL CREDIT UNION $215,000 $395,000 83.7% 0.0%
Kitsap Credit Union $395,000 n/a 0.0%
Longbridge Financial, LLC $285,000 $395,000 38.6% 0.0%
Magnolia Bank Incorporated $355,000 $380,000 7.0% 0.0%
BOKF NA $580,000 $355,000 -38.8% 0.0%
Crescent Mortgage Company $345,000 n/a 0.0%
Liberty Home Mortgage Corp $345,000 n/a 0.0%
First Guaranty Mortgage Corporation $680,000 $340,000 -50.0% 0.0%
Lakeview Community Capital, LLC $275,000 $335,000 21.8% 0.0%
Parkside Lending LLC $385,000 $335,000 -13.0% 0.0%
Solarity Credit Union $335,000 n/a 0.0%
Contour Mortgage Corporation $330,000 n/a 0.0%
James B. Nutter & Company $330,000 n/a 0.0%
Aurora Financial $395,000 $325,000 -17.7% 0.0%
AUSTIN CAPITAL BANK SSB $325,000 n/a 0.0%
DHI Mortgage Company Limited $325,000 n/a 0.0%
Plaza Home Mortgage Inc. $315,000 $325,000 3.2% 0.0%
Quorum Federal Credit Union $325,000 n/a 0.0%
NBH Bank $105,000 $315,000 200.0% 0.0%
Verity Credit Union $35,000 $310,000 785.7% 0.0%
Ark-La-Tex Financial Services LLC $305,000 n/a 0.0%
CIT BANK N.A. $940,000 $305,000 -67.6% 0.0%
Community First National Bank $275,000 $305,000 10.9% 0.0%
EagleBank $305,000 n/a 0.0%
FIRST NATIONAL BANK OF AMERICA $75,000 $305,000 306.7% 0.0%
Global Credit Union $305,000 n/a 0.0%
KS StateBank $515,000 $305,000 -40.8% 0.0%
Credit Human Federal Credit Union $135,000 $295,000 118.5% 0.0%
JMAC Lending Incorporated $295,000 n/a 0.0%
21ST MORTGAGE $165,000 $290,000 75.8% 0.0%
HSBC BANK USA, NA $290,000 n/a 0.0%
CITY 1ST MORTGAGE SERVICES, LC $285,000 n/a 0.0%
Equity Prime Mortgage LLC $285,000 n/a 0.0%
Flat Branch Mortgage Inc. $435,000 $285,000 -34.5% 0.0%
Horizon Credit Union $285,000 n/a 0.0%
American Residential Lending $405,000 $275,000 -32.1% 0.0%
Impac Mortgage Corp. dba CashCall Mortgage $825,000 $275,000 -66.7% 0.0%
Cache Valley Bank $265,000 n/a 0.0%
Florida Capital Bank National Association $265,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC $485,000 $265,000 -45.4% 0.0%
Industrial and Commercial Bank of China (USA) NA $255,000 n/a 0.0%
PRIORITY HOME LENDING, LLC $285,000 $255,000 -10.5% 0.0%
ARVEST BANK $245,000 n/a 0.0%
IQ CREDIT UNION $245,000 n/a 0.0%
Peoples Mortgage Company $345,000 $245,000 -29.0% 0.0%
TIB The Independent Bankers Bank $245,000 n/a 0.0%
LendingHome Funding Corporation $155,000 $235,000 51.6% 0.0%
Notre Dame Federal Credit Union $225,000 n/a 0.0%
Amcap Mortgage Ltd. $485,000 $215,000 -55.7% 0.0%
Embrace Home Loans, Inc. $700,000 $215,000 -69.3% 0.0%
Homeside Financial LLC $215,000 n/a 0.0%
Best Capital Funding $205,000 n/a 0.0%
Colten Mortgage $205,000 n/a 0.0%
Bank-Fund Staff Federal Credit Union $550,000 $195,000 -64.5% 0.0%
Citizens Equity First Credit Union (CEFCU) $195,000 n/a 0.0%
Summit Mortgage Corporation $195,000 n/a 0.0%
FBC Mortgage LLC $185,000 n/a 0.0%
Independent Bank $185,000 n/a 0.0%
Colonial Savings $175,000 n/a 0.0%
Idaho Central Credit Union $165,000 n/a 0.0%
Presidential Bank FSB $165,000 n/a 0.0%
Hanscom Federal Credit Union $155,000 n/a 0.0%
Land Home Financial Services Inc. $145,000 n/a 0.0%
Summit Mortgage Corporation $145,000 n/a 0.0%
Thrive Mortgage LLC $145,000 n/a 0.0%
Guaranty Trust Company $135,000 n/a 0.0%
Inland Bank and Trust $565,000 $135,000 -76.1% 0.0%
Altra Federal Credit Union $105,000 $125,000 19.0% 0.0%
State Department Federal Credit Union $125,000 n/a 0.0%
United States Senate Federal Credit Union $195,000 $45,000 -76.9% 0.0%

BELLINGHAM's top lender by overall market share is Umpqua Bank, with 13.5% market share. In second place, with 12.3%, is Caliber Home Loans Inc, having originated $536,715,000 in loans. In third place, with 7.5%, is Whatcom Educational Credit Union, having originated $325,385,000 in loans. In third place, with 6.9%, is Peoples Bank, having originated $301,250,000 in loans. In third place, with 6.0%, is Bank of The Pacific, having originated $262,880,000 in loans.


BELLINGHAM, WA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 5,918 $1,859,500,000 $314,211
Home Purchase 3,740 $1,429,040,000 $382,096
Cash Out Refi 3,077 $974,895,000 $316,833
Other 354 $61,610,000 $174,040
Home Improvement 275 $38,965,000 $141,691

Bellingham's most frequently cited loan purpose was Refi, with 5,918 originations. The 2nd most popular reason was Home Purchase, with 3,740 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 6,489 $2,153,635,000 $331,890
2.5-3% 4,766 $1,573,990,000 $330,254
<2.5% 1,110 $352,950,000 $317,973
4-5% 663 $193,305,000 $291,561
5-6% 145 $26,405,000 $182,103
6-7% 49 $4,555,000 $92,959
Over 8% 20 $3,720,000 $186,000
7-8% 15 $1,765,000 $117,667

During 2020, Bellingham's most frequently originated rate bucket was 3-4%, with 6,489 originations.

Loan Sizing (BELLINGHAM, WA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 7,904 $2,367,120,000 $299,484
$400k-600k 2,716 $1,260,350,000 $464,046
$100k-200k 1,802 $284,100,000 $157,658
$100,000 or less 550 $31,900,000 $58,000
$600k-1000k 298 $219,610,000 $736,946
$Over $1MM 94 $200,930,000 $2,137,553

BELLINGHAM's loan sizing saw the bucket of loans from $200k-400k with 7,904 originations, totaling $2,367,120,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 4,955 $1,827,545,000 $368,828
40-60% 3,275 $962,195,000 $293,800
80-100% 3,007 $1,120,365,000 $372,586
20-40% 1,122 $236,600,000 $210,873
Under 20% 558 $43,810,000 $78,513
Over 100% 106 $45,460,000 $428,868

BELLINGHAM's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 4,955 originations, totaling $1,827,545,000 in origination value.