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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 Conventional Mortgage Company Lenders in Bellingham
Updated February 5, 2026
Market Overview
25
Total Lenders
1,887
Total Loans
0.09%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $3,257 | -0.268% | 13 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,152 | +0.000% | 149 | |
3 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,650 | +0.300% | 187 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,230 | +0.028% | 102 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,308 | -0.100% | 43 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,475 | +0.216% | 16 | |
7 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $4,588 | +0.336% | 13 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,682 | +0.037% | 12 | |
9 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Sound | Sound | $1,824 | +0.217% | 11 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,222 | +0.307% | 82 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,066 | +0.354% | 62 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,556 | +0.230% | 56 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,292 | +0.190% | 39 | |
14 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,933 | +0.375% | 262 | |
15 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,098 | +0.462% | 42 | |
16 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,489 | +0.391% | 18 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,492 | -0.135% | 14 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,213 | -0.069% | 12 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,245 | +0.280% | 11 | |
20 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,427 | +0.496% | 50 | |
21 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,215 | +0.392% | 29 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,703 | +0.322% | 22 | |
23 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,001 | +0.248% | 13 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,387 | +0.557% | 32 | |
25 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $3,322 | +0.301% | 17 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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