Lowest closing cost mortgage lenders in Whatcom County County, Washington
In Whatcom County, Washington, homebuyers paid a median of $6,980 in closing costs in 2024 — below the Washington median of $7,966. The county saw 1,812 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, MUTUAL OF OMAHA MORTGAGE, INC. offered the lowest median costs at $3,865, which is $2,275 less than the county median.
Homebuyers in Whatcom County County who chose MUTUAL OF OMAHA MORTGAGE, INC. paid $3,115 less in closing costs than the county median.
County Median Costs
$6,980
−12.4% vs Washington ($7,966)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$3,539
Purchase Originations
1,812
vs Washington Median
12.4% below
$-986
vs National Median
3.5% above
$239
Lender rankings in Whatcom County County
30 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,865 | 6.625% | $1,731 | 11 | −$2,275 | |
| 2 | $4,111 | 6.375% | $1,038 | 37 | −$2,029 | |
| 3 | $4,223 | 6.737% | $1,640 | 16 | −$1,917 | |
| 4 | $4,226 | 6.500% | $1,095 | 21 | −$1,914 | |
| 5 | $4,246 | 7.188% | $1,295 | 10 | −$1,894 | |
| 6 | $4,266 | 6.625% | $1,471 | 160 | −$1,874 | |
| 7 | $4,441 | 6.625% | $1,682 | 21 | −$1,699 | |
| 8 | $4,476 | 6.875% | $1,590 | 38 | −$1,664 | |
| 9 | $4,978 | 6.375% | $1,472 | 10 | −$1,162 | |
| 10 | $5,065 | 6.438% | $1,900 | 10 | −$1,075 | |
| 11 | $5,147 | 7.125% | $1,845 | 12 | −$993 | |
| 12 | $5,376 | 6.750% | $3,500 | 14 | −$764 | |
| 13 | $6,024 | 6.990% | $2,905 | 32 | −$116 | |
| 14 | $6,095 | 6.875% | $3,983 | 62 | −$45 | |
| 15 | $6,256 | 6.875% | $3,300 | 77 | +$116 | |
| 16 | $6,280 | 6.500% | $4,699 | 43 | +$140 | |
| 17 | $6,533 | 6.875% | $3,096 | 36 | +$393 | |
| 18 | $6,675 | 6.375% | $3,639 | 11 | +$535 | |
| 19 | $6,716 | 6.875% | $3,797 | 107 | +$576 | |
| 20 | $7,058 | 7.125% | $4,619 | 22 | +$918 | |
| 21 | $7,268 | 6.624% | $4,945 | 14 | +$1,128 | |
| 22 | $7,294 | 6.995% | $4,069 | 24 | +$1,154 | |
| 23 | $7,436 | 6.625% | $4,795 | 81 | +$1,296 | |
| 24 | $8,334 | 6.625% | $5,497 | 198 | +$2,194 | |
| 25 | $8,525 | 6.625% | $6,126 | 48 | +$2,385 | |
| 26 | $8,587 | 6.625% | $6,055 | 13 | +$2,447 | |
| 27 | $9,438 | 6.990% | $6,261 | 18 | +$3,298 | |
| 28 | $9,818 | 6.625% | $6,250 | 29 | +$3,678 | |
| 29 | $14,874 | 7.125% | $12,099 | 26 | +$8,734 |
Includes lenders with 10+ purchase originations in Whatcom County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Washington → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.