Safe Rate Rankings

Best Mortgage Lenders in Bellingham

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders42

Total Loans1,887

Median Rate Spread0.09%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,152Fees	0.000%Above	149
2	WHATCOM EDUCATIONAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$1,505Fees	0.117%Above	175
3	Boeing Employees Credit UnionCredit Union	Strong	Strong	Sound	Strong	$1,130Fees	0.029%Below	39
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$324Fees	0.033%Below	30
5	KeyBank National AssociationBank	Strong	Strong	Strong	Sound	$3,672Fees	0.105%Below	23
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,650Fees	0.300%Above	187
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,308Fees	0.100%Below	43
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,230Fees	0.028%Above	102
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,222Fees	0.307%Above	82
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,556Fees	0.230%Above	56
11	Banner BankBank	Strong	Sound	Sound	Strong	$3,036Fees	0.224%Above	45
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,292Fees	0.190%Above	39
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$3,194Fees	0.362%Above	29
14	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,933Fees	0.375%Above	262
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,066Fees	0.354%Above	62
16	RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,427Fees	0.496%Above	50
17	Bank of the PacificBank	Strong	Sound	Acceptable	Strong	$3,492Fees	0.165%Above	22
18	Peoples BankBank	Sound	Acceptable	Acceptable	Exceptional	$3,071Fees	0.141%Above	83
19	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,098Fees	0.462%Above	42
20	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,215Fees	0.392%Above	29
21	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,703Fees	0.322%Above	22
22	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,714Fees	0.210%Below	22
23	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$4,387Fees	0.557%Above	32
24	WASHINGTON FEDERAL BANKBank	Sound	Mediocre	Acceptable	Sound	$4,906Fees	0.260%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.