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refinance lenders · HMDA 2023–2025

Refinance lenders in Whatcom County, Washington

Fat Boy Data analyzed mortgage refinance activity in Whatcom County, Washington to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,534 applications were decided by 164 lenders between 2023 and 2025.

Whatcom County at a glance

164Active lenders22 with 20+ decisions
80.8%Market approval rate1,240 of 1,534 decided
$405KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,182 loans funded

How Whatcom County compares

Approval rate compared
Whatcom County80.8%Washington79.5%All 616 counties76.5%
Typical loan compared
Whatcom County$405KWashington$455KAll 616 counties$295K

What the data shows

Peoples Bank made the most mortgage refinances in Whatcom County, WA, 96 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 31.

The typical mortgage refinance here is $405K, 11% smaller than the Washington typical of $455K.

Approval rate of all 22 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 33% approved of 24KeyBank National Association: 55% approved of 20Third Federal Savings And Loan Association Of Cleveland: 63% approved of 27Banner Bank: 67% approved of 33Heritage Bank: 67% approved of 21Columbia Bank: 67% approved of 52Bank of America, National Association: 68% approved of 28First Fed Bank: 71% approved of 28Newrez LLC: 76% approved of 33Peoples Bank: 76% approved of 129Whatcom Educational Credit Union: 77% approved of 53Boeing Employees Credit Union: 78% approved of 103Rocket Mortgage, LLC: 85% approved of 65Mutual of Omaha Mortgage, Inc.: 85% approved of 26U.S. Bank National Association: 85% approved of 20United Wholesale Mortgage, LLC: 87% approved of 160Movement Mortgage, LLC: 91% approved of 54Cmg Mortgage, Inc.: 91% approved of 22Evergreen Moneysource Mortgage Company: 92% approved of 61Finance of America Reverse LLC: 93% approved of 29Pennymac Loan Services, LLC: 96% approved of 46Freedom Mortgage Corporation: 100% approved of 31

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Whatcom County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only87%139 / 16096%$505K134
2Peoples Bank76%98 / 12998%$155K96
3Boeing Employees Credit Union78%80 / 10396%$155K77
4Rocket Mortgage, LLC85%55 / 6591%$475K50
5Evergreen Moneysource Mortgage Company92%56 / 6198%$405K55

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 159 more lenders.

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Other lending data for Whatcom County

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Nearby markets

All lending in Whatcom CountyCounty overviewRefinance across WashingtonStatewideSkagit CountyNearby county