Olympia FHA Loan Rates, Closing Costs & Stats

OLYMPIA-LACEY-TUMWATER, WA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Olympia's 87 lenders originated 614 FHA loans during 2024. The total origination value was $244,580,000, with an average FHA loan value of $398,339.

    Olympia FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Olympia averaged 6.47% for the week of 2025-05-23, compared to the national average (all FHA variants) of 6.612% for the same period.

    Olympia's average FHA mortgage closing costs are $11,059.

    The average rate for the prior week (2025-05-16) was 6.5% and one month ago for the week of 2025-04-18, the average rate was 6.52%.

    The average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-05-23, the average rate was 5.96%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Olympia FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Olympia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 69 6.40% $16,454
    UNITED WHOLESALE MORTGAGE, LLC 48 5.91% $16,789
    MOVEMENT MORTGAGE, LLC 39 6.56% $15,691
    QUICKEN LOANS, LLC 36 6.03% $16,718
    CROSSCOUNTRY MORTGAGE, LLC 32 6.65% $17,416
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 26 6.62% $16,423
    NEWREZ LLC 21 6.25% $16,281
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 17 6.87% $16,417
    FREEDOM MORTGAGE CORPORATION 14 6.32% $18,631
    WASHINGTON STATE EMPLOYEES Credit Union 12 6.20% $11,247
    BAY EQUITY LLC 11 6.59% $15,772
    PENNYMAC LOAN SERVICES, LLC 10 5.94% $15,415
    BROKER SOLUTIONS, INC. 10 6.55% $18,616
    MLD MORTGAGE INC. 10 6.10% $14,178
    Paramount Residential Mortgage Group, Inc. 9 6.40% $15,761
    CMG MORTGAGE, INC. 8 6.33% $15,738
    1st Security Bank of Washington 7 6.11% $16,398
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.19% $18,454
    NFM, INC. 5 6.55% $16,016
    T2 FINANCIAL LLC 5 7.25% $14,431
    HomeStreet Bank 5 6.15% $15,433
    NOVA FINANCIAL & INVESTMENT CORPORATION 5 6.70% $16,483
    Equity Prime Mortgage LLC 4 6.94% $15,823
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.59% $21,783
    MID AMERICA MORTGAGE, INC. 4 6.78% $16,129
    Cornerstone First Mortgage, Inc 4 6.66% $17,885
    NATIONS DIRECT MORTGAGE, LLC 4 5.13% $25,614
    PREMIER MORTGAGE RESOURCES, L.L.C. 4 6.81% $15,355
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.25% $21,311
    The Loan Store, Inc. 3 5.58% $17,298
    Carrington Mortgage Services, LLC 3 6.04% $20,054
    American Mortgage & Equity Consultants, Inc. 3 6.42% $17,719
    INSPIRE HOME LOANS INC. 3 5.79% $13,674
    CANOPY MORTGAGE, LLC 3 7.08% $14,839
    MASON MCDUFFIE MORTGAGE CORPORATION 3 6.54% $12,463
    LOANDEPOT.COM, LLC 3 6.08% $19,489
    GUARANTEED RATE, INC. 3 6.22% $15,934
    ZILLOW HOME LOANS, LLC 2 6.38% $15,392
    AMERICAN FINANCIAL NETWORK, INC. 2 7.25% $19,374
    CARDINAL FINANCIAL 2 5.75% $26,161
    Century Mortgage Company DBA Century Lending Company 2 6.38% $10,367
    DHI MORTGAGE COMPANY, LTD. 2 5.19% $11,118
    FIRST COLONY MORTGAGE CORPORATION 2 6.25% $15,927
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 5.88% $18,931
    JPMorgan Chase Bank 2 6.38% $6,865
    Mr. Cooper ( Nationstar Mortgage ) 2 6.44% $7,910
    Nations Lending Corporation 2 6.56% $20,083
    PHH Mortgage Corporation 2 6.56% $12,582
    PLANET HOME LENDING, LLC 2 6.31% $14,125
    S1L, Inc. 2 6.88% $16,171
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.63% $15,717
    Sierra Pacific Mortgage Company, Inc. 2 6.00% $21,756
    SUN WEST MORTGAGE COMPANY, INC. 2 7.43% $14,688
    M&T Bank 1 6.75% $9,810
    LAND HOME FINANCIAL SERVICES, INC. 1 6.88% $17,508
    LAKEVIEW LOAN SERVICING, LLC 1 7.13% $7,429
    VILLAGE CAPITAL MORTGAGE 1 6.38% $12,255
    Lakeview Community Capital, LLC 1 6.75% $8,061
    KeyBank 1 6.00% $9,671
    INTELLILOAN, INC. 1 6.00% $9,700
    OCMBC, INC. 1 5.50% $26,005
    OPEN MORTGAGE, LLC 1 7.63% $13,388
    Home Mortgage Alliance Corp 1 6.25% $15,099
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.25% $11,694
    V.I.P. MORTGAGE, INC. 1 7.38% $13,635
    Wallick & Volk, Inc. 1 7.25% $5,791
    PLAZA HOME MORTGAGE, INC. 1 7.75% $16,298
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.38% $13,694
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $28,352
    Prosperity Home Mortgage, LLC 1 7.38% $14,578
    Flagstar Bank, FSB 1 6.12% $12,406
    Boeing Employees Credit Union 1 6.25% $15,028
    SeaTrust Mortgage Company 1 6.63% $21,107
    Wells Fargo Bank 1 5.88% $13,920
    Willamette Valley Bank 1 7.88% $13,929
    SUMMIT FUNDING, INC. 1 6.63% $15,186
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.99% $17,492
    FIRST CONTINENTAL MORTGAGE, LTD. 1 6.75% $15,184
    DIRECTORS MORTGAGE, INC. 1 7.38% $12,370
    MLB RESIDENTIAL LENDING, LLC 1 5.50% $13,893
    Loan Simple, Inc. 1 6.75% $14,613
    MORIA DEVELOPMENT, INC. 1 5.75% $25,224
    Mortgage Research Center, LLC 1 6.63% $16,095
    LOANPAL, LLC 1 5.88% $20,826
    MOUNTAIN WEST FINANCIAL, INC. 1 7.00% $16,572
    LEADERONE FINANCIAL CORPORATION 1 6.50% $20,120
    CALCON MUTUAL MORTGAGE LLC 1 6.75% $22,961

    The top Olympia FHA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 69 FHA loans originated. Their average total fees are $16,454, which is $335 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Olympia FHA lenders (with over 10 loans originated) are WASHINGTON STATE EMPLOYEES Credit Union ($11,247), MLD MORTGAGE INC. ($14,178), PENNYMAC LOAN SERVICES, LLC ($15,415), MOVEMENT MORTGAGE, LLC ($15,691) and BAY EQUITY LLC ($15,772).

    The lowest rate Olympia FHA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.91%), PENNYMAC LOAN SERVICES, LLC (5.94%), QUICKEN LOANS, LLC (6.03%), MLD MORTGAGE INC. (6.10%) and WASHINGTON STATE EMPLOYEES Credit Union (6.20%).

    Olympia FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    OLYMPIA-LACEY-TUMWATER, WA THURSTON 2022 $477,250 $610,950 $738,500 $917,800
    OLYMPIA-LACEY-TUMWATER, WA THURSTON 2023 $546,250 $699,300 $845,300 $1,050,500

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Olympia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $351,868 (17.3%) $392,814 (11.9%) 1.30 377
    2018-02-01 $362,221 (11.5%) $408,388 (11.7%) 1.32 372
    2018-03-01 $357,425 (5.9%) $421,339 (13.4%) 1.25 368
    2018-04-01 $371,738 (9.7%) $426,456 (11.2%) 1.26 411
    2018-05-01 $386,975 (13.8%) $434,337 (9.4%) 1.29 484
    2018-06-01 $379,975 (12.4%) $436,870 (10.0%) 1.27 571
    2018-07-01 $372,495 (14.6%) $426,735 (9.4%) 1.24 624
    2018-08-01 $374,990 (17.8%) $440,441 (15.4%) 1.26 694
    2018-09-01 $375,000 (16.1%) $445,474 (14.8%) 1.26 715
    2018-10-01 $379,925 (13.3%) $447,496 (13.4%) 1.29 687
    2018-11-01 $387,475 (14.1%) $452,453 (14.9%) 1.31 609
    2018-12-01 $389,000 (11.2%) $447,883 (15.2%) 1.34 571
    2019-01-01 $387,448 (10.1%) $461,031 (17.4%) 1.34 494
    2019-02-01 $390,858 (7.9%) $469,921 (15.1%) 1.32 446
    2019-03-01 $402,849 (12.7%) $489,587 (16.2%) 1.32 445
    2019-04-01 $419,995 (13.0%) $514,402 (20.6%) 1.33 451
    2019-05-01 $403,236 (4.2%) $502,176 (15.6%) 1.26 487
    2019-06-01 $399,900 (5.2%) $498,602 (14.1%) 1.25 532
    2019-07-01 $401,925 (7.9%) $499,197 (17.0%) 1.26 552
    2019-08-01 $399,655 (6.6%) $496,704 (12.8%) 1.27 563
    2019-09-01 $399,286 (6.5%) $494,496 (11.0%) 1.28 587
    2019-10-01 $399,000 (5.0%) $491,741 (9.9%) 1.29 602
    2019-11-01 $399,000 (3.0%) $489,910 (8.3%) 1.31 554
    2019-12-01 $397,000 (2.1%) $499,188 (11.5%) 1.32 403
    2020-01-01 $404,475 (4.4%) $521,194 (13.1%) 1.35 325
    2020-02-01 $389,425 (-0.4%) $495,222 (5.4%) 1.27 354
    2020-03-01 $379,499 (-5.8%) $488,225 (-0.3%) 1.19 406
    2020-04-01 $397,000 (-5.5%) $496,620 (-3.5%) 1.24 427
    2020-05-01 $409,900 (1.7%) $511,917 (1.9%) 1.25 441
    2020-06-01 $406,225 (1.6%) $514,133 (3.1%) 1.20 421
    2020-07-01 $399,800 (-0.5%) $509,681 (2.1%) 1.16 422
    2020-08-01 $405,000 (1.3%) $527,675 (6.2%) 1.16 408
    2020-09-01 $417,500 (4.6%) $541,091 (9.4%) 1.20 390
    2020-10-01 $414,950 (4.0%) $542,562 (10.3%) 1.19 376
    2020-11-01 $449,950 (12.8%) $622,000 (27.0%) 1.32 198
    2020-12-01 $439,969 (10.8%) $645,786 (29.4%) 1.31 176
    2021-01-01 $463,000 (14.5%) $652,206 (25.1%) 1.38 159
    2021-02-01 $449,500 (15.4%) $634,027 (28.0%) 1.31 143
    2021-03-01 $434,350 (14.5%) $608,676 (24.7%) 1.23 170
    2021-04-01 $447,463 (12.7%) $585,324 (17.9%) 1.21 187
    2021-05-01 $462,500 (12.8%) $592,604 (15.8%) 1.23 228
    2021-06-01 $479,495 (18.0%) $591,387 (15.0%) 1.26 240
    2021-07-01 $470,000 (17.6%) $580,832 (14.0%) 1.24 259
    2021-08-01 $487,250 (20.3%) $580,804 (10.1%) 1.30 303
    2021-09-01 $497,000 (19.0%) $588,718 (8.8%) 1.33 293
    2021-10-01 $490,000 (18.1%) $585,659 (7.9%) 1.31 296
    2021-11-01 $492,450 (9.5%) $591,108 (-5.0%) 1.32 217
    2021-12-01 $493,500 (12.2%) $601,189 (-6.9%) 1.34 179
    2022-01-01 $489,999 (5.8%) $595,582 (-8.7%) 1.32 123
    2022-02-01 $506,988 (12.8%) $621,090 (-2.0%) 1.32 129
    2022-03-01 $499,950 (15.1%) $624,510 (2.6%) 1.25 134
    2022-04-01 $519,990 (16.2%) $634,480 (8.4%) 1.24 181
    2022-05-01 $549,575 (18.8%) $660,430 (11.5%) 1.26 277
    2022-06-01 $548,700 (14.4%) $664,153 (12.3%) 1.22 392
    2022-07-01 $549,000 (16.8%) $648,460 (11.6%) 1.24 525
    2022-08-01 $548,425 (12.6%) $643,111 (10.7%) 1.27 566
    2022-09-01 $542,495 (9.2%) $629,446 (6.9%) 1.27 534
    2022-10-01 $549,975 (12.2%) $630,326 (7.6%) 1.29 515
    2022-11-01 $536,575 (9.0%) $627,881 (6.2%) 1.29 506
    2022-12-01 $545,000 (10.4%) $627,715 (4.4%) 1.35 460
    2023-01-01 $548,500 (11.9%) $682,794 (14.6%) 1.36 378
    2023-02-01 $537,485 (6.0%) $684,838 (10.3%) 1.30 298
    2023-03-01 $535,738 (7.2%) $696,836 (11.6%) 1.26 264
    2023-04-01 $554,990 (6.7%) $726,605 (14.5%) 1.29 240
    2023-05-01 $569,900 (3.7%) $728,612 (10.3%) 1.29 283
    2023-06-01 $552,238 (0.6%) $695,273 (4.7%) 1.24 326
    2023-07-01 $579,450 (5.6%) $716,295 (10.5%) 1.32 360
    2023-08-01 $577,583 (5.3%) $722,106 (12.3%) 1.33 401
    2023-09-01 $576,550 (6.3%) $721,506 (14.6%) 1.34 406
    2023-10-01 $582,200 (5.9%) $733,089 (16.3%) 1.37 408
    2023-11-01 $575,000 (7.2%) $746,524 (18.9%) 1.37 473
    2023-12-01 $568,000 (4.2%) $754,473 (20.2%) 1.39 391
    2024-01-01 $558,199 (1.8%) $743,630 (8.9%) 1.36 344
    2024-02-01 $569,998 (6.1%) $747,227 (9.1%) 1.37 336
    2024-03-01 $556,200 (3.8%) $731,502 (5.0%) 1.31 356
    2024-04-01 $559,495 (0.8%) $690,645 (-5.0%) 1.30 388
    2024-05-01 $574,450 (0.8%) $699,839 (-4.0%) 1.31 489
    2024-06-01 $595,000 (7.7%) $722,759 (4.0%) 1.35 500
    2024-07-01 $592,000 (2.2%) $714,567 (-0.2%) 1.35 564
    2024-08-01 $585,000 (1.3%) $693,798 (-3.9%) 1.36 567
    2024-09-01 $584,975 (1.5%) $691,900 (-4.1%) 1.38 545
    2024-10-01 $582,216 (0.0%) $695,230 (-5.2%) 1.37 536
    2024-11-01 $589,450 (2.5%) $697,338 (-6.6%) 1.41 488
    2024-12-01 $592,950 (4.4%) $700,553 (-7.2%) 1.47 402
    2025-01-01 $594,958 (6.6%) $701,249 (-5.7%) 1.49 378
    2025-02-01 $599,970 (5.3%) $701,626 (-6.1%) 1.46 349
    2025-03-01 $599,995 (7.9%) $700,338 (-4.3%) 1.41 407
    2025-04-01 $587,700 (5.0%) $691,913 (0.2%) 1.36 447
    Olympia's median listing price for 2025-04-01 was $587,700, a difference of $28,205 (5.0%) versus the prior year and $-12,295 versus the prior month.

    Olympia's median listing price comes in at 136% of the national average.

    Olympia's average listing price for 2025-04-01 was $691,913, a difference of $1,268 (0.2%) versus the prior year and $-8,425 versus the prior month.

    For the 2025-04-01 period, Olympia had 447 MLS listings, a difference of 40 listings (10%) versus the prior month and 59 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Olympia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 61 days 2,095 sqft
    2018-02-01 38 days 2,138 sqft
    2018-03-01 33 days 2,149 sqft
    2018-04-01 30 days 2,191 sqft
    2018-05-01 26 days 2,201 sqft
    2018-06-01 32 days 2,227 sqft
    2018-07-01 31 days 2,199 sqft
    2018-08-01 34 days 2,207 sqft
    2018-09-01 39 days 2,154 sqft
    2018-10-01 43 days 2,170 sqft
    2018-11-01 50 days 2,189 sqft
    2018-12-01 61 days 2,176 sqft
    2019-01-01 65 days 2,153 sqft
    2019-02-01 62 days 2,166 sqft
    2019-03-01 41 days 2,213 sqft
    2019-04-01 30 days 2,261 sqft
    2019-05-01 27 days 2,171 sqft
    2019-06-01 31 days 2,160 sqft
    2019-07-01 34 days 2,156 sqft
    2019-08-01 38 days 2,098 sqft
    2019-09-01 42 days 2,086 sqft
    2019-10-01 45 days 2,059 sqft
    2019-11-01 51 days 2,035 sqft
    2019-12-01 51 days 2,019 sqft
    2020-01-01 51 days 2,017 sqft
    2020-02-01 30 days 1,978 sqft
    2020-03-01 26 days 1,891 sqft
    2020-04-01 33 days 1,927 sqft
    2020-05-01 36 days 1,989 sqft
    2020-06-01 32 days 2,021 sqft
    2020-07-01 24 days 1,997 sqft
    2020-08-01 25 days 2,006 sqft
    2020-09-01 28 days 2,015 sqft
    2020-10-01 31 days 1,942 sqft
    2020-11-01 39 days 2,041 sqft
    2020-12-01 39 days 1,974 sqft
    2021-01-01 37 days 1,983 sqft
    2021-02-01 29 days 1,920 sqft
    2021-03-01 23 days 1,849 sqft
    2021-04-01 25 days 1,844 sqft
    2021-05-01 12 days 1,883 sqft
    2021-06-01 15 days 1,950 sqft
    2021-07-01 25 days 1,964 sqft
    2021-08-01 19 days 2,023 sqft
    2021-09-01 29 days 2,031 sqft
    2021-10-01 29 days 1,914 sqft
    2021-11-01 36 days 1,855 sqft
    2021-12-01 38 days 1,915 sqft
    2022-01-01 38 days 1,855 sqft
    2022-02-01 19 days 1,912 sqft
    2022-03-01 26 days 1,893 sqft
    2022-04-01 16 days 1,950 sqft
    2022-05-01 16 days 1,979 sqft
    2022-06-01 17 days 2,033 sqft
    2022-07-01 26 days 2,020 sqft
    2022-08-01 35 days 2,020 sqft
    2022-09-01 39 days 2,027 sqft
    2022-10-01 44 days 2,055 sqft
    2022-11-01 49 days 2,004 sqft
    2022-12-01 60 days 2,000 sqft
    2023-01-01 69 days 2,057 sqft
    2023-02-01 69 days 2,032 sqft
    2023-03-01 49 days 2,127 sqft
    2023-04-01 33 days 2,155 sqft
    2023-05-01 30 days 2,131 sqft
    2023-06-01 30 days 2,084 sqft
    2023-07-01 34 days 2,116 sqft
    2023-08-01 35 days 2,143 sqft
    2023-09-01 41 days 2,168 sqft
    2023-10-01 45 days 2,199 sqft
    2023-11-01 51 days 2,189 sqft
    2023-12-01 58 days 2,120 sqft
    2024-01-01 70 days 2,040 sqft
    2024-02-01 40 days 1,980 sqft
    2024-03-01 39 days 1,948 sqft
    2024-04-01 35 days 1,998 sqft
    2024-05-01 28 days 2,029 sqft
    2024-06-01 36 days 2,079 sqft
    2024-07-01 37 days 2,117 sqft
    2024-08-01 44 days 2,107 sqft
    2024-09-01 47 days 2,062 sqft
    2024-10-01 48 days 2,055 sqft
    2024-11-01 48 days 2,098 sqft
    2024-12-01 63 days 2,095 sqft
    2025-01-01 67 days 2,111 sqft
    2025-02-01 42 days 2,103 sqft
    2025-03-01 37 days 2,101 sqft
    2025-04-01 33 days 2,007 sqft
    Olympia's median listing age (time on market) for 2025-04-01 was 33 days. This is -6% shorter than the same period one year ago.

    Olympia's median square footage for active listings during the 2025-04-01 period was 2,007 sqft. One year prior, the average listing was 1,998 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).