Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$451Fees	0.548%Below	17
2	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$3,257Fees	0.268%Below	13
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$324Fees	0.033%Below	30
4	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,672Fees	0.105%Below	23
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,997Fees	0.033%Below	12
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$493Fees	0.252%Below	11
7	WHATCOM EDUCATIONAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Strong	Exceptional	$1,505Fees	0.117%Above	175
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,152Fees	0.000%Above	149
9	Boeing Employees Credit UnionCredit Union	Strong	Strong	Strong	Sound	Strong	$1,130Fees	0.029%Below	39
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,967Fees	0.015%Below	14
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,650Fees	0.300%Above	187
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,230Fees	0.028%Above	102
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,308Fees	0.100%Below	43
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,194Fees	0.362%Above	29
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,475Fees	0.216%Above	16
16	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,588Fees	0.336%Above	13
17	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,682Fees	0.037%Above	12
18	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,824Fees	0.217%Above	11
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,222Fees	0.307%Above	82
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,066Fees	0.354%Above	62
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,556Fees	0.230%Above	56
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,292Fees	0.190%Above	39
23	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,933Fees	0.375%Above	262
24	Peoples BankBank	Strong	Acceptable	Strong	Sound	Exceptional	$3,071Fees	0.141%Above	83
25	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,098Fees	0.462%Above	42
26	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,489Fees	0.391%Above	18
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,492Fees	0.135%Below	14
28	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,213Fees	0.069%Below	12
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,245Fees	0.280%Above	11
30	RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,427Fees	0.496%Above	50
31	Banner BankBank	Strong	Acceptable	Strong	Sound	Strong	$3,036Fees	0.224%Above	45
32	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,215Fees	0.392%Above	29
33	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,703Fees	0.322%Above	22
34	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Sound	$2,588Fees	0.282%Above	13
35	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,001Fees	0.248%Above	13
36	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,387Fees	0.557%Above	32
37	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,322Fees	0.301%Above	17
38	Bank of the PacificBank	Sound	Acceptable	Acceptable	Sound	Strong	$3,492Fees	0.165%Above	22
39	WASHINGTON FEDERAL BANKBank	Sound	Mediocre	Strong	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.