Whatcom County
Washington · FIPS 53073
According to CFPB HMDA 2024 application volume among U.S. counties, Whatcom County ranks #384 of 3,223, and #9 of 39 in Washington.
Mortgage lending activity in Whatcom County, Washington based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Whatcom County, Washington lenders denied 1,051 of the applications reported here, financing the rest at an average note rate of 7.25%, with applicants self-reporting average annual income of $38K. 247 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.0x, meaning typical borrowers took on mortgages of about 10.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Whatcom County
In Whatcom County, lead originator Whatcom Educational Credit Uni funded 18.3% of 4,186 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 31.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Whatcom County's 7,366 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Whatcom County's $381,774 average loan (deduped against volume peers).
Lenders active in Whatcom County
Whatcom Educational Credit Uni funded 767 of the 4,186 loans originated in Whatcom County, 18.3% of the county. 247 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Whatcom Educational Credit Uni | 767 | 18.3% |
| 2 | Evergreen Moneysource Mortgage Company | 308 | 7.4% |
| 3 | Movement Mortgage, LLC | 231 | 5.5% |
| 4 | Peoples Bank | 228 | 5.4% |
| 5 | United Wholesale Mortgage | 194 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Whatcom County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Whatcom County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.