MOUNT VERNON - ANACORTES Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Mount Vernon - Anacortes averaged 6.28% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 5.88% and one month ago for the week of 2024-09-05, the average rate was 6.11%.

Mount Vernon - Anacortes's average rate one year ago was 7.35%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.62%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Mount Vernon - Anacortes 30 Year Fixed Rate 2024-10-10 6.28%
Mount Vernon - Anacortes 30 Year Fixed Rate Refi 2024-10-10 6.62%
Mount Vernon - Anacortes 15 Year Fixed Rate 2024-10-10 5.51%
Mount Vernon - Anacortes 15 Year Fixed Rate Refi 2024-10-10 6.01%
Mount Vernon - Anacortes 30 Year FHA 2024-10-10 6.16%
Mount Vernon - Anacortes 30 Year FHA Refi 2024-10-10 5.9%
Mount Vernon - Anacortes 30 Year USDA 2024-10-10 6.08%
Mount Vernon - Anacortes 30 Year USDA Refi 2024-10-10 5.98%
Mount Vernon - Anacortes 30 Year VA 2024-10-10 5.72%
Mount Vernon - Anacortes 30 Year VA Refi 2024-10-10 5.95%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MOUNT VERNON-ANACORTES, WA.

MOUNT VERNON - ANACORTES Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the MOUNT VERNON-ANACORTES, WA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 53 6.99% $11,524
UNITED WHOLESALE MORTGAGE, LLC 52 6.63% $8,556
QUICKEN LOANS, LLC 51 6.61% $7,548
CMG MORTGAGE, INC. 44 6.70% $9,402
GUILD MORTGAGE COMPANY 42 6.93% $8,843
MOVEMENT MORTGAGE, LLC 34 7.08% $9,288
Boeing Employees Credit Union 30 6.39% $5,546
Peoples Bank 30 7.07% $6,688
AMERICAN PACIFIC MORTGAGE CORPORATION 29 6.85% $8,781
Washington Federal Bank 25 6.81% $8,853
Banner Bank 22 6.72% $5,293
CROSSCOUNTRY MORTGAGE, LLC 22 6.98% $9,567
HOMEBRIDGE FINANCIAL SERVICES, INC. 20 6.24% $11,469
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 18 6.86% $7,987
WHATCOM EDUCATIONAL CREDIT UNION 17 6.46% $5,446
JPMorgan Chase Bank 15 6.69% $5,910
BAY EQUITY LLC 15 7.04% $9,651
BROKER SOLUTIONS, INC. 15 7.03% $10,659
ACADEMY MORTGAGE CORPORATION 15 6.57% $7,746
Wells Fargo Bank 14 6.55% $3,521
CORNERSTONE HOME LENDING, INC. 13 6.97% $9,111
U.S. Bank 12 6.21% $5,093
PENNYMAC LOAN SERVICES, LLC 9 6.32% $8,987
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 6.72% $13,078
LOANDEPOT.COM, LLC 8 6.90% $10,341
NorthWest Plus Credit Union 7 6.88% $6,736
KeyBank 7 6.11% $5,495
Alaska USA Federal Credit Union 7 6.70% $8,959
Umpqua Bank 7 6.46% $8,889
NAVY FEDERAL CREDIT UNION 6 6.44% $7,703
1st Security Bank of Washington 6 6.85% $10,391
AMERICAN FINANCIAL NETWORK, INC. 6 6.96% $8,038
LEADERONE FINANCIAL CORPORATION 6 6.79% $6,974
NEWREZ LLC 5 7.34% $7,183
Mr. Cooper ( Nationstar Mortgage ) 5 5.92% $13,806
PENRITH HOME LOANS LLC 5 6.85% $7,187
Morgan Stanley Private Bank 5 5.88% $3,778
Bank of America 5 6.48% $4,329
PREMIER MORTGAGE RESOURCES, L.L.C. 5 7.22% $5,374
Heritage Bank 4 6.53% $6,534
CALIBER HOME LOANS, INC. 4 6.53% $9,886
ENVOY MORTGAGE, LTD 4 6.25% $3,967
NFM, INC. 4 6.81% $5,120
PROVIDENT FUNDING ASSOCIATES, L.P. 4 6.22% $8,276
RESIDENTIAL WHOLESALE MORTGAGE, INC. 4 7.12% $4,731
USAA Federal Savings Bank 4 6.81% $4,749
Washington Trust Bank 3 6.13% $5,447
DAS Acquisition Company, LLC 3 6.92% $14,571
The Huntington National Bank 3 7.21% $5,901
SAMMAMISH MORTGAGE COMPANY 3 6.58% $2,587
MANN FINANCIAL INC. 3 6.88% $6,139
SOUND 2 5.63% $2,845
Sound Community Bank 2 8.25% $6,550
Paramount Residential Mortgage Group, Inc. 2 8.38% $6,749
Century Mortgage Company DBA Century Lending Company 2 6.38% $13,522
T2 FINANCIAL LLC 2 6.50% $7,207
BMO Harris Bank 2 6.19% $9,629
ADVANCIAL 2 7.25% $16,387
BETTER MORTGAGE CORPORATION 2 6.94% $5,710
PNC Bank 2 6.25% $6,413
LAKEVIEW LOAN SERVICING, LLC 2 6.56% $11,680
Bank of the Pacific 2 6.19% $9,500
NBKC BANK 2 7.00% $5,844
Academy Bank 2 6.19% $5,761
WASHINGTON STATE EMPLOYEES Credit Union 2 6.13% $3,048
GUARANTEED RATE, INC. 2 6.49% $5,674
Qualstar Credit Union 2 7.44% $5,169
GESA 2 7.19% $9,209
Flagstar Bank, FSB 2 6.62% $4,327
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 7.50% $11,740
Citibank 2 7.13% $14,075
RED CANOE CREDIT UNION 2 5.38% $29,725
DIRECTORS MORTGAGE, INC. 2 7.63% $21,044
Ross Mortgage Company, Inc. 2 6.31% $8,498
RBC Bank, (Georgia) 1 6.00% $2,697
WINGS FINANCIAL 1 5.25% $6,499
SPOKANE TEACHERS 1 6.25% $6,946
SUMMIT MORTGAGE CORPORATION 1 6.62% $8,997
The Loan Store, Inc. 1 6.50% $11,851
THRIVE MORTGAGE, LLC 1 5.38% $20,583
TRISTAR FINANCE, INC. 1 6.50% $3,724
Truist 1 6.63% $4,873
UBS Bank USA 1 5.38% $5,995
ARC HOME LLC 1 7.25% $4,930
AMERISAVE MORTGAGE CORPORATION 1 6.99% $4,493
Zions Bank 1 5.13% $3,921
American Mortgage & Equity Consultants, Inc. 1 8.13% $10,568
AMCAP MORTGAGE, LTD. 1 8.13% $7,847
Glacier Bank 1 6.38% $11,343
Arvest Bank 1 7.25% $5,843
HomeStreet Bank 1 6.88% $3,601
HOMEXPRESS MORTGAGE CORP. 1 9.00% $13,513
INTERNATIONAL CITY MORTGAGE, INC. 1 6.25% $4,559
JMAC LENDING, INC. 1 9.88% $16,185
FREEDOM MORTGAGE CORPORATION 1 7.13% $10,597
First National Bank of America 1 8.88% $11,240
MASON MCDUFFIE MORTGAGE CORPORATION 1 6.88% $7,028
CITYWIDE HOME LOANS, LLC 1 5.50% $10,393
City National Bank of Florida 1 6.50% $4,050
M&T Bank 1 6.50% $4,100
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.00% $10,838
City National Bank 1 6.10% $4,566
Neighborhood Loans, Inc. 1 6.50% $3,802
NexBank 1 7.63% $3,857
NMSI, INC. 1 5.88% $9,291
Northwest Farm Credit Services, FLCA 1 7.25% $10,039
CIBC Bank USA 1 5.88% $3,939
NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.25% $0
OCMBC, INC. 1 9.88% $11,472
OnPoint Community Credit Union 1 5.50% $5,081
ON Q FINANCIAL, INC. 1 8.99% $12,469
PENTAGON FEDERAL CREDIT UNION 1 6.13% $8,485
PLANET HOME LENDING, LLC 1 6.13% $2,170
BAY-VALLEY MORTGAGE GROUP 1 7.50% $7,626
PRIORITY HOME LENDING, LLC 1 6.99% $17,236
Prosperity Home Mortgage, LLC 1 6.88% $15,680
GENEVA FINANCIAL, LLC 1 6.38% $2,556

MOUNT VERNON - ANACORTES Average Closing Costs & Other Stats

MOUNT VERNON-ANACORTES, WA's 117 lenders originated 2,184 loans during 2023. The total origination value was $770,090,000, with an average loan value of $352,605.

MOUNT VERNON - ANACORTES's average closing costs are $6,166.

The top MOUNT VERNON - ANACORTES lender as defined by loan originations is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, with 53 loans originated. Their average total fees are $11,524, which is $2,968 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee MOUNT VERNON - ANACORTES lenders (with over 10 loans originated) are Wells Fargo Bank ($3,521), U.S. Bank ($5,093), Banner Bank ($5,293), WHATCOM EDUCATIONAL CREDIT UNION ($5,446) and Boeing Employees Credit Union ($5,546).

The lowest rate MOUNT VERNON - ANACORTES lenders (with over 10 loans originated) are U.S. Bank (6.21%), HOMEBRIDGE FINANCIAL SERVICES, INC. (6.24%), Boeing Employees Credit Union (6.39%), WHATCOM EDUCATIONAL CREDIT UNION (6.46%) and Wells Fargo Bank (6.55%).

MOUNT VERNON-ANACORTES, WA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $8,930,000 $39,855,000 346.3% 5.2%
Boeing Employees Credit Union $60,040,000 $38,680,000 -35.6% 5.0%
UNITED WHOLESALE MORTGAGE, LLC $44,985,000 $38,275,000 -14.9% 5.0%
Peoples Bank $86,610,000 $35,395,000 -59.1% 4.6%
QUICKEN LOANS, LLC $54,155,000 $31,275,000 -42.2% 4.1%
CMG MORTGAGE, INC. $3,990,000 $28,920,000 624.8% 3.8%
GUILD MORTGAGE COMPANY $46,470,000 $27,395,000 -41.0% 3.6%
Prudential Huntoon Paige Associates, LLC $24,065,000 n/a 3.1%
Coastal Community Bank $23,365,000 n/a 3.0%
MOVEMENT MORTGAGE, LLC $5,290,000 $21,280,000 302.3% 2.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $23,630,000 $20,585,000 -12.9% 2.7%
U.S. Bank $27,500,000 $17,545,000 -36.2% 2.3%
CROSSCOUNTRY MORTGAGE, LLC $17,550,000 $17,430,000 -0.7% 2.3%
Banner Bank $26,660,000 $16,735,000 -37.2% 2.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $65,705,000 $14,780,000 -77.5% 1.9%
Washington Federal Bank $38,030,000 $14,665,000 -61.4% 1.9%
NAVY FEDERAL CREDIT UNION $15,310,000 $14,005,000 -8.5% 1.8%
BROKER SOLUTIONS, INC. $19,150,000 $12,410,000 -35.2% 1.6%
WHATCOM EDUCATIONAL CREDIT UNION $11,335,000 $12,200,000 7.6% 1.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,555,000 $12,090,000 -31.1% 1.6%
SaviBank $11,460,000 n/a 1.5%
ACADEMY MORTGAGE CORPORATION $20,400,000 $10,845,000 -46.8% 1.4%
Umpqua Bank $71,275,000 $9,560,000 -86.6% 1.2%
Heritage Bank $14,785,000 $9,115,000 -38.3% 1.2%
CORNERSTONE HOME LENDING, INC. $16,150,000 $9,035,000 -44.1% 1.2%
PENNYMAC LOAN SERVICES, LLC $9,210,000 $8,875,000 -3.6% 1.2%
Mortgage Research Center, LLC $9,690,000 $8,500,000 -12.3% 1.1%
JPMorgan Chase Bank $16,370,000 $8,410,000 -48.6% 1.1%
BAY EQUITY LLC $14,415,000 $7,775,000 -46.1% 1.0%
Wells Fargo Bank $19,065,000 $7,750,000 -59.3% 1.0%
Bank of America $11,655,000 $7,715,000 -33.8% 1.0%
1st Security Bank of Washington $8,215,000 $6,335,000 -22.9% 0.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $6,980,000 $5,535,000 -20.7% 0.7%
North Coast Credit Union $5,310,000 n/a 0.7%
NEWREZ LLC $3,550,000 $4,835,000 36.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $4,360,000 $4,810,000 10.3% 0.6%
ENVOY MORTGAGE, LTD $8,375,000 $4,470,000 -46.6% 0.6%
NFM, INC. $5,465,000 $4,235,000 -22.5% 0.5%
LOANDEPOT.COM, LLC $22,485,000 $4,150,000 -81.5% 0.5%
Alaska USA Federal Credit Union $2,245,000 $4,095,000 82.4% 0.5%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,540,000 $4,090,000 165.6% 0.5%
Flagstar Bank, FSB $10,010,000 $3,495,000 -65.1% 0.5%
KeyBank $13,830,000 $3,435,000 -75.2% 0.4%
USAA Federal Savings Bank $945,000 $3,370,000 256.6% 0.4%
AMERICAN FINANCIAL NETWORK, INC. $3,300,000 n/a 0.4%
Morgan Stanley Private Bank $2,400,000 $3,035,000 26.5% 0.4%
MANN FINANCIAL INC. $2,565,000 $2,945,000 14.8% 0.4%
TRIAD FINANCIAL SERVICES, INC. $775,000 $2,655,000 242.6% 0.3%
CALIBER HOME LOANS, INC. $89,840,000 $2,620,000 -97.1% 0.3%
GUARANTEED RATE, INC. $3,250,000 $2,615,000 -19.5% 0.3%
NorthWest Plus Credit Union $5,810,000 $2,605,000 -55.2% 0.3%
LEADERONE FINANCIAL CORPORATION $3,010,000 $2,450,000 -18.6% 0.3%
PENRITH HOME LOANS LLC $4,095,000 $2,325,000 -43.2% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $2,000,000 $2,275,000 13.8% 0.3%
DAS Acquisition Company, LLC $1,960,000 $2,170,000 10.7% 0.3%
Citibank $2,045,000 n/a 0.3%
DIRECTORS MORTGAGE, INC. $3,860,000 $2,005,000 -48.1% 0.3%
PREMIER MORTGAGE RESOURCES, L.L.C. $3,570,000 $1,995,000 -44.1% 0.3%
The Huntington National Bank $1,110,000 $1,965,000 77.0% 0.3%
HomeStreet Bank $3,850,000 $1,950,000 -49.4% 0.3%
FREEDOM MORTGAGE CORPORATION $6,400,000 $1,945,000 -69.6% 0.3%
PENTAGON FEDERAL CREDIT UNION $2,195,000 $1,905,000 -13.2% 0.2%
GESA $3,790,000 $1,850,000 -51.2% 0.2%
Century Mortgage Company DBA Century Lending Company $1,805,000 n/a 0.2%
TWINSTAR $1,780,000 n/a 0.2%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $925,000 $1,770,000 91.4% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,535,000 $1,740,000 13.4% 0.2%
Washington Trust Bank $3,225,000 $1,695,000 -47.4% 0.2%
WASHINGTON STATE EMPLOYEES Credit Union $5,925,000 $1,665,000 -71.9% 0.2%
PNC Bank $1,820,000 $1,640,000 -9.9% 0.2%
BMO Harris Bank $855,000 $1,520,000 77.8% 0.2%
Figure Lending LLC $1,240,000 $1,450,000 16.9% 0.2%
RED CANOE CREDIT UNION $1,450,000 n/a 0.2%
First Federal Savings and Loan Association of Port Angeles $5,440,000 $1,435,000 -73.6% 0.2%
Paramount Residential Mortgage Group, Inc. $5,920,000 $1,410,000 -76.2% 0.2%
Pacific Premier Bank $1,395,000 n/a 0.2%
Bank of the Pacific $2,225,000 $1,310,000 -41.1% 0.2%
PLANET HOME LENDING, LLC $2,430,000 $1,295,000 -46.7% 0.2%
UBS Bank USA $905,000 $1,265,000 39.8% 0.2%
Chickasaw Community Bank $5,425,000 $1,260,000 -76.8% 0.2%
Third Federal Savings and Loan Association of Cleveland $1,045,000 $1,230,000 17.7% 0.2%
HOMEXPRESS MORTGAGE CORP. $1,215,000 n/a 0.2%
ADVANCIAL $1,150,000 n/a 0.1%
ON Q FINANCIAL, INC. $2,165,000 $1,095,000 -49.4% 0.1%
T2 FINANCIAL LLC $700,000 $1,095,000 56.4% 0.1%
AMERISAVE MORTGAGE CORPORATION $3,575,000 $1,085,000 -69.7% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $285,000 $1,070,000 275.4% 0.1%
SAMMAMISH MORTGAGE COMPANY $1,060,000 $1,065,000 0.5% 0.1%
LAKEVIEW LOAN SERVICING, LLC $3,245,000 $1,015,000 -68.7% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $465,000 $1,010,000 117.2% 0.1%
SUMMIT FUNDING, INC. $2,355,000 $975,000 -58.6% 0.1%
HomeTrust Bank $385,000 $965,000 150.6% 0.1%
NBKC BANK $4,220,000 $965,000 -77.1% 0.1%
BETTER MORTGAGE CORPORATION $2,275,000 $920,000 -59.6% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $920,000 n/a 0.1%
Truist $3,230,000 $905,000 -72.0% 0.1%
Credence Funding Corporation $890,000 n/a 0.1%
The Federal Savings Bank $3,100,000 $870,000 -71.9% 0.1%
Citadel Servicing Corporation $865,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $3,015,000 $845,000 -72.0% 0.1%
City National Bank $915,000 $805,000 -12.0% 0.1%
Prosperity Home Mortgage, LLC $805,000 n/a 0.1%
CIBC Bank USA $795,000 n/a 0.1%
Ross Mortgage Company, Inc. $790,000 n/a 0.1%
City National Bank of Florida $785,000 n/a 0.1%
Northwest Farm Credit Services, FLCA $440,000 $785,000 78.4% 0.1%
CARDINAL FINANCIAL $1,775,000 $770,000 -56.6% 0.1%
Carrington Mortgage Services, LLC $2,560,000 $770,000 -69.9% 0.1%
CITYWIDE HOME LOANS, LLC $700,000 $755,000 7.9% 0.1%
First Savings Bank $345,000 $755,000 118.8% 0.1%
SIRVA MORTGAGE, INC. $735,000 n/a 0.1%
Equity Prime Mortgage LLC $730,000 n/a 0.1%
Citizens Bank $910,000 $715,000 -21.4% 0.1%
SOUND $650,000 $700,000 7.7% 0.1%
Willamette Valley Bank $300,000 $695,000 131.7% 0.1%
RF Renovo Management Company, LLC $690,000 n/a 0.1%
Neighborhood Loans, Inc. $645,000 n/a 0.1%
Qualstar Credit Union $575,000 $640,000 11.3% 0.1%
STANFORD Federal Credit Union $1,085,000 $630,000 -41.9% 0.1%
ALLIANT CREDIT UNION $530,000 $585,000 10.4% 0.1%
Glacier Bank $585,000 n/a 0.1%
Academy Bank $125,000 $560,000 348.0% 0.1%
Ixonia Bank $555,000 n/a 0.1%
NMSI, INC. $555,000 n/a 0.1%
SUMMIT MORTGAGE CORPORATION $545,000 n/a 0.1%
The Central Trust Bank $405,000 $545,000 34.6% 0.1%
21ST MORTGAGE CORPORATION $185,000 $525,000 183.8% 0.1%
Utah Power $525,000 n/a 0.1%
PRIORITY HOME LENDING, LLC $1,570,000 $515,000 -67.2% 0.1%
VERITY $159,415,000 $505,000 -99.7% 0.1%
LO, INC. $495,000 n/a 0.1%
BKCO MORTGAGE, LLC $1,590,000 $485,000 -69.5% 0.1%
DEEPHAVEN MORTGAGE LLC $485,000 n/a 0.1%
THRIVE MORTGAGE, LLC $465,000 $475,000 2.2% 0.1%
JMAC LENDING, INC. $465,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $2,205,000 $465,000 -78.9% 0.1%
OnPoint Community Credit Union $465,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $880,000 $445,000 -49.4% 0.1%
Commerce Home Mortgage, Inc. $445,000 n/a 0.1%
NexBank $3,245,000 $425,000 -86.9% 0.1%
GUARANTEED RATE AFFINITY, LLC $1,205,000 $415,000 -65.6% 0.1%
SPOKANE TEACHERS $205,000 $415,000 102.4% 0.1%
The Loan Store, Inc. $415,000 n/a 0.1%
TRISTAR FINANCE, INC. $1,165,000 $415,000 -64.4% 0.1%
American Mortgage & Equity Consultants, Inc. $995,000 $395,000 -60.3% 0.1%
NATIONS DIRECT MORTGAGE, LLC $485,000 $395,000 -18.6% 0.1%
Greenbox Loans, Inc. $375,000 n/a 0.0%
NEXERA HOLDING LLC $375,000 n/a 0.0%
PHH Mortgage Corporation $1,880,000 $375,000 -80.1% 0.0%
RBC Bank, (Georgia) $355,000 $365,000 2.8% 0.0%
Sound Community Bank $680,000 $365,000 -46.3% 0.0%
ARC HOME LLC $700,000 $355,000 -49.3% 0.0%
Arvest Bank $355,000 n/a 0.0%
OCMBC, INC. $345,000 n/a 0.0%
WINGS FINANCIAL $345,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $335,000 n/a 0.0%
Zions Bank $355,000 $335,000 -5.6% 0.0%
First National Bank of America $1,290,000 $325,000 -74.8% 0.0%
Loan Simple, Inc. $425,000 $325,000 -23.5% 0.0%
M&T Bank $995,000 $295,000 -70.4% 0.0%
Discover Bank $380,000 $285,000 -25.0% 0.0%
iQ Credit Union $700,000 $285,000 -59.3% 0.0%
BAY-VALLEY MORTGAGE GROUP $275,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $780,000 $265,000 -66.0% 0.0%
RANLIFE, INC. $850,000 $265,000 -68.8% 0.0%
Bethpage Federal Credit Union $510,000 $255,000 -50.0% 0.0%
DOMINION FINANCIAL SERVICES, LLC $245,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $930,000 $235,000 -74.7% 0.0%
SPRING EQ, LLC $970,000 $210,000 -78.4% 0.0%
Signature Federal Credit Union $195,000 n/a 0.0%
INDUSTRIAL CU OF WHATCOM COUNTY $175,000 n/a 0.0%
Plains Commerce Bank $155,000 n/a 0.0%
Nations Lending Corporation $280,000 $135,000 -51.8% 0.0%
GENEVA FINANCIAL, LLC $1,085,000 $105,000 -90.3% 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $105,000 n/a 0.0%
Ukrainian Federal Credit Union $105,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $95,000 n/a 0.0%
SALAL $615,000 $90,000 -85.4% 0.0%
America's Credit Union $255,000 $85,000 -66.7% 0.0%
Firefighters First Federal Credit Union $45,000 $75,000 66.7% 0.0%
FIRST TECHNOLOGY $1,060,000 $75,000 -92.9% 0.0%
HARBORSTONE $155,000 $75,000 -51.6% 0.0%
RESIDENTIAL BANCORP $1,385,000 $75,000 -94.6% 0.0%
GTE Federal Credit Union $55,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $55,000 n/a 0.0%
O BEE $650,000 $55,000 -91.5% 0.0%
MOUNTAINCREST CREDIT UNION $200,000 $25,000 -87.5% 0.0%

MOUNT VERNON - ANACORTES's top lender by overall market share is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, with 5.2% market share. In second place, with 5.0%, is Boeing Employees Credit Union, having originated $38,680,000 in loans. In third place, with 5.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $38,275,000 in loans. In fourth place, with 4.6%, is Peoples Bank, having originated $35,395,000 in loans. In fifth place, with 4.1%, is QUICKEN LOANS, LLC, having originated $31,275,000 in loans.

MOUNT VERNON-ANACORTES, WA Average Rent (2023)

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For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
98221 Mount Vernon-Anacortes, WA MSA $1,030 $1,220 $1,540 $2,190 $2,540
98229 Mount Vernon-Anacortes, WA MSA $1,070 $1,140 $1,400 $1,990 $2,380
98232 Mount Vernon-Anacortes, WA MSA $1,380 $1,630 $2,060 $2,930 $3,400
98233 Mount Vernon-Anacortes, WA MSA $920 $1,090 $1,380 $1,960 $2,280
98235 Mount Vernon-Anacortes, WA MSA $980 $1,140 $1,440 $2,050 $2,380
98237 Mount Vernon-Anacortes, WA MSA $940 $1,110 $1,400 $1,990 $2,310
98238 Mount Vernon-Anacortes, WA MSA $830 $980 $1,240 $1,760 $2,050
98241 Mount Vernon-Anacortes, WA MSA $1,510 $1,570 $1,840 $2,520 $2,960
98255 Mount Vernon-Anacortes, WA MSA $1,020 $1,190 $1,500 $2,130 $2,480
98257 Mount Vernon-Anacortes, WA MSA $990 $1,170 $1,480 $2,100 $2,440
98263 Mount Vernon-Anacortes, WA MSA $1,020 $1,190 $1,500 $2,130 $2,480
98267 Mount Vernon-Anacortes, WA MSA $1,060 $1,140 $1,380 $1,890 $2,200
98273 Mount Vernon-Anacortes, WA MSA $830 $980 $1,240 $1,760 $2,050
98274 Mount Vernon-Anacortes, WA MSA $1,050 $1,240 $1,570 $2,230 $2,590
98283 Mount Vernon-Anacortes, WA MSA $940 $1,110 $1,400 $1,990 $2,310
98284 Mount Vernon-Anacortes, WA MSA $1,020 $1,190 $1,500 $2,130 $2,480
98292 Mount Vernon-Anacortes, WA MSA $1,700 $1,750 $2,050 $2,750 $3,210

2022 Average & Median Rent Data Statistics
MOUNT VERNON-ANACORTES, WA average 1BR rent: $1,226, median: $1,170
MOUNT VERNON-ANACORTES, WA average 2BR rent: $1,525, median: $1,480
MOUNT VERNON-ANACORTES, WA average 3BR rent: $2,147, median: $2,100

MOUNT VERNON-ANACORTES, WA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,242 $561,250,000 $451,892
Home Improvement 347 $38,665,000 $111,427
Other 228 $28,190,000 $123,640
Cash Out Refi 216 $60,230,000 $278,843
Refi 151 $81,755,000 $541,424

Mount Vernon - Anacortes's most frequently cited loan purpose was Home Purchase, with 1,242 originations. The 2nd most popular reason was Home Improvement, with 347 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 693 $328,565,000 $474,120
Over 8% 490 $74,030,000 $151,082
7-8% 452 $167,040,000 $369,558
5-6% 297 $138,835,000 $467,458
4-5% 155 $24,735,000 $159,581
<2.5% 29 $1,135,000 $39,138
2.5-3% 3 $985,000 $328,333
3-4% 1 $2,195,000 $2,195,000

During 2023, Mount Vernon - Anacortes's most frequently originated rate bucket was 6-7%, with 693 originations.

Loan Sizing (MOUNT VERNON-ANACORTES, WA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 598 $182,550,000 $305,268
$400k-600k 574 $275,730,000 $480,366
$100,000 or less 457 $25,735,000 $56,313
$100k-200k 327 $44,625,000 $136,468
$600k-1000k 187 $133,925,000 $716,176
$Over $1MM 41 $107,525,000 $2,622,561

MOUNT VERNON - ANACORTES's loan sizing saw the bucket of loans from $200k-400k with 598 originations, totaling $182,550,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 619 $285,565,000 $461,333
Under 20% 541 $41,215,000 $76,183
60-80% 408 $223,660,000 $548,186
20-40% 286 $60,380,000 $211,119
40-60% 220 $100,060,000 $454,818
Over 100% 45 $24,905,000 $553,444

MOUNT VERNON - ANACORTES's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 619 originations, totaling $285,565,000 in origination value.