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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Bellingham
Updated February 5, 2026
Market Overview
42
Total Lenders
1,887
Total Loans
0.09%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,152 | +0.000% | 149 | |
2 | WHATCOM EDUCATIONAL CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,505 | +0.117% | 175 | |
3 | Boeing Employees Credit Union | Strong | Strong | Sound | Strong | $1,130 | -0.029% | 39 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $324 | -0.033% | 30 | |
5 | KeyBank National Association | Strong | Strong | Strong | Sound | $3,672 | -0.105% | 23 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,650 | +0.300% | 187 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,308 | -0.100% | 43 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,230 | +0.028% | 102 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,222 | +0.307% | 82 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,556 | +0.230% | 56 | |
11 | Banner Bank | Strong | Sound | Sound | Strong | $3,036 | +0.224% | 45 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,292 | +0.190% | 39 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $3,194 | +0.362% | 29 | |
14 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $4,933 | +0.375% | 262 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,066 | +0.354% | 62 | |
16 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,427 | +0.496% | 50 | |
17 | Bank of the Pacific | Strong | Sound | Acceptable | Strong | $3,492 | +0.165% | 22 | |
18 | Peoples Bank | Sound | Acceptable | Acceptable | Exceptional | $3,071 | +0.141% | 83 | |
19 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,098 | +0.462% | 42 | |
20 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $4,215 | +0.392% | 29 | |
21 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $1,703 | +0.322% | 22 | |
22 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $3,714 | -0.210% | 22 | |
23 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $4,387 | +0.557% | 32 | |
24 | WASHINGTON FEDERAL BANK | Sound | Mediocre | Acceptable | Sound | $4,906 | +0.260% | 25 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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