The fogging looks more like a damaged light seal with the camera, though the attached images are rather small and it's difficult to tell. However it is worth going over your technique with the bulk loading. Are you careful to ensure the "door" is closed while winding the crank? I tend to put my left hand over it to be sure.
It's difficult to tell. Fogging within the camera due to a bad seal would normally be in the same place on every frame. I believe your camera doesn't have a window on the rear door so that's unlikely but it could still be the clasps where the door shuts.
If the felt is damaged, no light should get in during bulk loading. Light could get in when loading the film into the camera and when removing the cassette but it would surely affect the first few frames, not the end of the roll.