What loan types does Whatcom Educational Credit Union offer?

Whatcom Educational Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Whatcom Educational Credit Union offer mortgages?

Whatcom Educational Credit Union offers mortgages in 1 states: WA.

How competitive are Whatcom Educational Credit Union's mortgage rates?

Whatcom Educational Credit Union has an overall pricing score of 57.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Whatcom Educational Credit Union?

Whatcom Educational Credit Union is a Credit Union headquartered in Bellingham, WA.

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Whatcom Educational Credit Union

Credit Union•Bellingham, WAHQ•Direct•Reviews near you on Google

Whatcom Educational Credit Union has 208 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Jumbo

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Whatcom Educational Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+13.6 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

173 loans · 0.18% above market

Strong

Top 40% of lenders

4/5

Jumbo

27 loans · 0.04% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

179 loans · 0.13% above market

Strong

Top 40% of lenders

4/5

Refinance

29 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	173	83.2%	+0.181%Above	$1,574Fees
Jumbo Loans	Strong	Strong	Strong	Strong	27	13.0%	+0.044%Above	$344Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume173

Mix83.2%

Spread

+0.181%Above

Fees

$1,574Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume27

Mix13.0%

Spread

+0.044%Above

Fees

$344Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Sound	179	86.1%	+0.131%Above	$1,441Fees
Refinance	Sound	Sound	Sound	Strong	29	13.9%	+0.166%Above	$1,729Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume179

Mix86.1%

Spread

+0.131%Above

Fees

$1,441Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume29

Mix13.9%

Spread

+0.166%Above

Fees

$1,729Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

208

Applications

326

Volume

$104 million

Pricing & Closing

Avg Rate Spread

+0.136%

vs. market APOR

Avg Net Fees

$1,482

Origination − Credits

Pullthrough Rate

63.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$502,500

Avg Borrower Income

$186,659

Avg Property Value

$738,894

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 200200+None

West1

Top Metro Areas by Place Specialization Score

Bellingham, WAMetro

Volume 175Mix 84.13% of portfolio

100/100

Exceptional

Mount Vernon, WAMetro

Volume 14Mix 6.73% of portfolio

59/100

Sound

Top States by Place Specialization Score

WashingtonState

Volume 207Mix 99.52% of portfolio

79/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.