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Updated: December 2, 2024

2025 Mortgage Loan Limits: Whatcom County, Washington

Property Type2025 Loan Limit
1-Unit Homes$806,500
2-Unit Homes$1,032,650
3-Unit Homes$1,248,150
4-Unit Homes$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

Whatcom County, Washington, mortgage loan limits apply in:

Whatcom County 2025 mortgage loan limits include the following cities: Acme, Bellingham, Birch Bay, Blaine, Custer, Deming, Everson, Ferndale, Geneva, Glacier, Kendall, Lynden, Maple Falls, Marietta-Alderwood, Nooksack, Peaceful Valley, Point Roberts, Sudden Valley, Sumas

Historical Charts: Mortgage Loan Limits in Whatcom County, Washington

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Whatcom County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Mortgage Statistics from Whatcom County, Washington

Mortgage statistics for Whatcom County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

MortgagesTotal
Purchase Mortgages (2018-2023)15301
Loan TypeRelative Share
Conventional83.81%
FHA8.99%
VA6.38%
USDA0.82%
Property TypeRelative Share
1-Unit Homes97.84%
2-Unit Homes1.73%
3-Unit Homes0.11%
4-Unit Homes0.32%
Borrower StatusRelative Share
One Applicant40.66%
Two or More Applicants59.34%
GenderRelative Share
Male24.91%
Female16.94%
Joint Sex49.09%
Not Available9.06%
RaceRelative Share
American Indian / Alaska Native0.71%
Asian4.70%
Black / African American0.64%
Native Hawaiian / Other Pacific Islander0.21%
White70.95%
Mixed Race3.69%
Other Race19.10%
EthnicityRelative Share
Hispanic or Latino3.38%
Not Hispanic or Latino74.38%
Joint Ethnicity2.62%
Other Ethnicity19.62%

Whatcom County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Whatcom County, Washington

Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Whatcom County, Washington. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Okanogan County

View Loan Limits →

San Juan County

View Loan Limits →

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