Top 3 Mortgage Lenders in Ferndale

WECU stands as the premier local mortgage lender in Ferndale, deeply embedded in the Whatcom County community for over 85 years. As a member-owned credit union, they offer highly competitive rates and personalized service that consistently earns exceptional customer satisfaction ratings. Their mortgage team specializes in first-time homebuyer programs and offers comprehensive guidance through the entire lending process. With multiple local branches including their Ferndale location, they provide convenient in-person service combined with deep knowledge of the local real estate market, making them the top choice for Ferndale residents seeking mortgage solutions.

Peoples Bank has been serving Whatcom County communities since 1922, with a strong physical presence in Ferndale. Their mortgage division receives consistently high marks for their local decision-making authority and community-focused approach. The bank specializes in construction loans and lot financing, which is particularly valuable in Ferndale's growing market. Customers praise their responsive loan officers, transparent communication, and ability to close loans efficiently. As a community bank with deep roots in the area, they understand the unique aspects of Ferndale's housing market and provide tailored mortgage solutions with the personal touch that larger national lenders often lack.

Guild Mortgage's Bellingham branch serves the entire Whatcom County area, including Ferndale, and brings six decades of national expertise combined with strong local market knowledge. They are particularly noted for their exceptional customer service and wide variety of loan programs, including specialized options for military families and first-time homebuyers. Their local loan officers have extensive experience with Ferndale's specific market conditions and work closely with real estate agents throughout the area. Guild receives high marks for their streamlined digital process and commitment to finding the right mortgage solution for each borrower's unique situation, making them a top regional choice for Ferndale homebuyers.