Lender in Washington · HMDA 2025
Whatcom Educational Credit Union mortgages in Washington
Whatcom Educational Credit Union's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Whatcom Educational Credit Union originated 277 owner-occupied single-family loans in Washington from 313 completed applications.
Its median conventional purchase loan costs were $4,980 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
277
of 313 applications
Denial rate
6.9%
Purchase · WA 5.9%
Rate spread
+0.12 pts
Conv. · WA +0.10 pts
Loan amount
$485,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 245 | 227 | 6.9% | 6.625% | +0.12 pts | $4,980 | $485,000 |
| Refinance | 41 | 30 | 26.8% | — | −0.04 pts | $2,790 | $425,000 |
| Cash-out refinance | 27 | 20 | 25.9% | — | +0.26 pts | $3,760 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Whatcom Educational Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Whatcom County | 4 | 215 | 8.4% |
| Skagit County | 13 | 28 | 1.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology