Oak Harbor Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Oak Harbor averaged
7.11%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
6.8% and
one month ago for the week of 2023-08-17, the
average rate was 6.61%.
Oak Harbor's average rate one year ago was 5.64%.
For refis of the same type during the week of 2023-09-21, the average rate
was 5.64%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
| Oak Harbor 30 Year Fixed Rate | 2023-09-21 | 7.11% |
| Oak Harbor 30 Year Fixed Rate Refi | 2023-09-21 | 5.64% |
| Oak Harbor 15 Year Fixed Rate | 2023-09-21 | 6.44% |
| Oak Harbor 15 Year Fixed Rate Refi | 2023-09-21 | 6.94% |
| Oak Harbor 30 Year FHA | 2023-09-21 | 7.07% |
| Oak Harbor 30 Year FHA Refi | 2023-09-21 | 6.94% |
| Oak Harbor 30 Year USDA | 2023-09-21 | 7.12% |
| Oak Harbor 30 Year USDA Refi | 2023-09-21 | 7.02% |
| Oak Harbor 30 Year VA | 2023-09-21 | 6.44% |
| Oak Harbor 30 Year VA Refi | 2023-09-21 | 6.62% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Oak Harbor, WA.
Oak Harbor 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 Oak Harbor, 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.).
Oak Harbor Average Closing Costs & Other Stats
Oak Harbor, WA's 164 lenders originated 3,024
loans during 2022. The total origination value was $1,836,480,000, with an average loan value of
$607,302.
Oak Harbor's average closing costs are $6,115.
The top Oak Harbor lender as defined by loan originations is QUICKEN LOANS, LLC, with
74 loans originated. Their average total fees are
$7,719, which is $1,153
higher than the next largest lender,
CALIBER HOME LOANS, INC..
The lowest fee Oak Harbor lenders (with over 10 loans originated) are
Boeing Employees Credit Union ($3,586), KeyBank ($3,953), NAVY FEDERAL CREDIT UNION ($4,327), Bank of America ($4,432) and Wells Fargo Bank ($4,641).
The lowest rate Oak Harbor lenders (with over 10 loans originated) are
Bank of America (3.54%), PENNYMAC LOAN SERVICES, LLC (3.90%), LOANDEPOT.COM, LLC (4.00%), Wells Fargo Bank (4.11%) and Boeing Employees Credit Union (4.15%).
Oak Harbor, 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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| VERITY | $795,000 | $717,030,000 | 90,092.5% | 39.0% |
| GUILD MORTGAGE COMPANY | $199,265,000 | $67,100,000 | -66.3% | 3.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $82,260,000 | $56,095,000 | -31.8% | 3.1% |
| Boeing Employees Credit Union | $70,460,000 | $55,570,000 | -21.1% | 3.0% |
| QUICKEN LOANS, LLC | $130,530,000 | $50,895,000 | -61.0% | 2.8% |
| CALIBER HOME LOANS, INC. | $121,980,000 | $48,185,000 | -60.5% | 2.6% |
| Peoples Bank | $255,000 | $47,145,000 | 18,388.2% | 2.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $63,580,000 | $43,620,000 | -31.4% | 2.4% |
| NAVY FEDERAL CREDIT UNION | $45,600,000 | $33,830,000 | -25.8% | 1.8% |
| Heritage Bank | $38,395,000 | $32,470,000 | -15.4% | 1.8% |
| Alaska USA Mortgage Company LLC | $61,745,000 | $31,130,000 | -49.6% | 1.7% |
| Umpqua Bank | $22,430,000 | $25,345,000 | 13.0% | 1.4% |
| Washington Federal Bank | $22,460,000 | $24,435,000 | 8.8% | 1.3% |
| Mortgage Research Center, LLC | $29,725,000 | $24,235,000 | -18.5% | 1.3% |
| Wells Fargo Bank | $56,280,000 | $24,165,000 | -57.1% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $44,020,000 | $23,540,000 | -46.5% | 1.3% |
| U.S. Bank | $31,360,000 | $22,325,000 | -28.8% | 1.2% |
| ENVOY MORTGAGE, LTD | $39,055,000 | $21,320,000 | -45.4% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $19,510,000 | $19,285,000 | -1.2% | 1.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $27,940,000 | $14,715,000 | -47.3% | 0.8% |
| JPMorgan Chase Bank | $27,355,000 | $14,530,000 | -46.9% | 0.8% |
| LOANDEPOT.COM, LLC | $50,650,000 | $13,210,000 | -73.9% | 0.7% |
| Banner Bank | $18,030,000 | $12,725,000 | -29.4% | 0.7% |
| KeyBank | $18,325,000 | $12,610,000 | -31.2% | 0.7% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $27,680,000 | $12,490,000 | -54.9% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $33,200,000 | $12,140,000 | -63.4% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $49,235,000 | $11,100,000 | -77.5% | 0.6% |
| Bank of America | $24,515,000 | $10,695,000 | -56.4% | 0.6% |
| ACADEMY MORTGAGE CORPORATION | $14,430,000 | $9,805,000 | -32.1% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $17,720,000 | $9,490,000 | -46.4% | 0.5% |
| HomeStreet Bank | $17,190,000 | $9,405,000 | -45.3% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $32,420,000 | $9,145,000 | -71.8% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $18,015,000 | $8,235,000 | -54.3% | 0.4% |
| DAS Acquisition Company, LLC | $8,910,000 | $7,850,000 | -11.9% | 0.4% |
| BROKER SOLUTIONS, INC. | $22,145,000 | $7,615,000 | -65.6% | 0.4% |
| Victorian Finance, LLC | $15,265,000 | $7,390,000 | -51.6% | 0.4% |
| BAY EQUITY LLC | $5,840,000 | $7,370,000 | 26.2% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $5,420,000 | $7,155,000 | 32.0% | 0.4% |
| UBS Bank USA | $1,575,000 | $6,905,000 | 338.4% | 0.4% |
| MUFG Union Bank | $1,605,000 | $6,640,000 | 313.7% | 0.4% |
| Morgan Stanley Private Bank | $2,535,000 | $6,530,000 | 157.6% | 0.4% |
| PNC Bank | $7,140,000 | $6,200,000 | -13.2% | 0.3% |
| 1st Security Bank of Washington | $15,540,000 | $6,115,000 | -60.6% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $13,865,000 | $6,045,000 | -56.4% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $14,825,000 | $6,030,000 | -59.3% | 0.3% |
| DIRECTORS MORTGAGE, INC. | $12,750,000 | $5,505,000 | -56.8% | 0.3% |
| Goldman Sachs Bank USA | $665,000 | $5,460,000 | 721.1% | 0.3% |
| FINANCE OF AMERICA MORTGAGE LLC | $20,515,000 | $5,140,000 | -74.9% | 0.3% |
| FIRST TECHNOLOGY | $2,125,000 | $5,110,000 | 140.5% | 0.3% |
| NFM, INC. | $7,015,000 | $5,095,000 | -27.4% | 0.3% |
| First Federal Savings and Loan Association of Port Angeles | $745,000 | $5,020,000 | 573.8% | 0.3% |
| CMG MORTGAGE, INC. | $2,135,000 | $4,945,000 | 131.6% | 0.3% |
| BETTER MORTGAGE CORPORATION | $23,630,000 | $4,680,000 | -80.2% | 0.3% |
| LEADERONE FINANCIAL CORPORATION | $15,845,000 | $4,555,000 | -71.3% | 0.2% |
| The Federal Savings Bank | $6,020,000 | $4,220,000 | -29.9% | 0.2% |
| GUARANTEED RATE, INC. | $6,445,000 | $3,795,000 | -41.1% | 0.2% |
| WASHINGTON STATE EMPLOYEES Credit Union | $6,175,000 | $3,630,000 | -41.2% | 0.2% |
| North American Savings Bank, F.S.B. | $4,265,000 | $3,560,000 | -16.5% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $9,430,000 | $3,550,000 | -62.4% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,205,000 | $3,460,000 | 187.1% | 0.2% |
| Truist | $2,155,000 | $3,405,000 | 58.0% | 0.2% |
| Flagstar Bank, FSB | $12,130,000 | $3,245,000 | -73.2% | 0.2% |
| AXIA FINANCIAL, LLC | $2,805,000 | $2,995,000 | 6.8% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $8,365,000 | $2,825,000 | -66.2% | 0.2% |
| NEW DAY FINANCIAL, LLC | $5,970,000 | $2,760,000 | -53.8% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,860,000 | $2,640,000 | -66.4% | 0.1% |
| Stifel Bank and Trust | $2,600,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $5,855,000 | $2,545,000 | -56.5% | 0.1% |
| NEWREZ LLC | $17,285,000 | $2,525,000 | -85.4% | 0.1% |
| Alaska USA Federal Credit Union | $64,075,000 | $2,325,000 | -96.4% | 0.1% |
| SUMMIT FUNDING, INC. | $14,440,000 | $2,195,000 | -84.8% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $2,625,000 | $2,140,000 | -18.5% | 0.1% |
| CITYWIDE HOME LOANS, LLC | $2,015,000 | $2,120,000 | 5.2% | 0.1% |
| NexBank | $2,700,000 | $2,120,000 | -21.5% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $2,115,000 | $2,115,000 | 0.0% | 0.1% |
| Columbia State Bank | $1,915,000 | $2,090,000 | 9.1% | 0.1% |
| Sound Community Bank | $2,655,000 | $2,035,000 | -23.4% | 0.1% |
| NorthWest Plus Credit Union | $3,645,000 | $2,030,000 | -44.3% | 0.1% |
| NBKC BANK | $7,165,000 | $2,025,000 | -71.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,095,000 | $1,945,000 | -52.5% | 0.1% |
| ON Q FINANCIAL, INC. | $1,520,000 | $1,825,000 | 20.1% | 0.1% |
| PENRITH HOME LOANS LLC | $8,375,000 | $1,785,000 | -78.7% | 0.1% |
| USAA Federal Savings Bank | $6,200,000 | $1,640,000 | -73.5% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,115,000 | $1,625,000 | 45.7% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $3,725,000 | $1,605,000 | -56.9% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $2,135,000 | $1,565,000 | -26.7% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $2,115,000 | $1,565,000 | -26.0% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $2,780,000 | $1,540,000 | -44.6% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $135,000 | $1,535,000 | 1,037.0% | 0.1% |
| Figure Lending LLC | $840,000 | $1,470,000 | 75.0% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $870,000 | $1,460,000 | 67.8% | 0.1% |
| ALLIANT CREDIT UNION | $940,000 | $1,440,000 | 53.2% | 0.1% |
| MORTGAGE LENDING GROUP LLC | $1,420,000 | n/a | 0.1% | |
| SOUND | $2,360,000 | $1,395,000 | -40.9% | 0.1% |
| Northpointe Bank | $1,400,000 | $1,390,000 | -0.7% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $215,000 | $1,370,000 | 537.2% | 0.1% |
| OPEN MORTGAGE, LLC | $1,465,000 | $1,370,000 | -6.5% | 0.1% |
| Luther Burbank Savings | $1,305,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $1,595,000 | $1,290,000 | -19.1% | 0.1% |
| SALAL | $600,000 | $1,285,000 | 114.2% | 0.1% |
| Wallick & Volk, Inc. | $1,390,000 | $1,270,000 | -8.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,980,000 | $1,240,000 | -37.4% | 0.1% |
| Farmers Bank & Trust | $1,230,000 | n/a | 0.1% | |
| WESTWOOD MORTGAGE, INC. | $1,890,000 | $1,185,000 | -37.3% | 0.1% |
| Bank of the West | $380,000 | $1,150,000 | 202.6% | 0.1% |
| Charles Schwab Bank, SSB | $5,290,000 | $1,150,000 | -78.3% | 0.1% |
| MLD MORTGAGE INC. | $780,000 | $1,130,000 | 44.9% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,115,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $3,105,000 | $1,085,000 | -65.1% | 0.1% |
| SPRING EQ, LLC | $2,325,000 | $1,080,000 | -53.5% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,060,000 | $1,070,000 | 0.9% | 0.1% |
| American Bank | $1,055,000 | n/a | 0.1% | |
| Quontic Bank | $1,055,000 | n/a | 0.1% | |
| STANFORD Federal Credit Union | $1,045,000 | n/a | 0.1% | |
| First Republic Bank | $865,000 | $1,040,000 | 20.2% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,915,000 | $1,025,000 | -73.8% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,050,000 | $1,020,000 | -2.9% | 0.1% |
| Plains Commerce Bank | $1,880,000 | $990,000 | -47.3% | 0.1% |
| MOUNTAIN AMERICA | $980,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $3,165,000 | $975,000 | -69.2% | 0.1% |
| Equity Prime Mortgage LLC | $125,000 | $940,000 | 652.0% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,065,000 | $940,000 | -11.7% | 0.1% |
| WHATCOM EDUCATIONAL CREDIT UNION | $2,570,000 | $930,000 | -63.8% | 0.1% |
| KITSAP Credit Union | $670,000 | $895,000 | 33.6% | 0.0% |
| UMB Bank | $885,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $165,000 | $870,000 | 427.3% | 0.0% |
| LADERA LENDING, INC. | $3,225,000 | $860,000 | -73.3% | 0.0% |
| Armed Forces Bank | $820,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,135,000 | $815,000 | -84.1% | 0.0% |
| EVERETT FINANCIAL, INC. | $335,000 | $765,000 | 128.4% | 0.0% |
| Hometown Lenders, Inc. | $2,570,000 | $750,000 | -70.8% | 0.0% |
| MANN FINANCIAL INC. | $3,360,000 | $740,000 | -78.0% | 0.0% |
| Qualstar Credit Union | $185,000 | $735,000 | 297.3% | 0.0% |
| NP, Inc. | $1,585,000 | $720,000 | -54.6% | 0.0% |
| Franklin Loan Corporation | $715,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $705,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $550,000 | $705,000 | 28.2% | 0.0% |
| Axos Bank | $1,440,000 | $695,000 | -51.7% | 0.0% |
| Ally Bank | $5,885,000 | $690,000 | -88.3% | 0.0% |
| AMERICAN FINANCING CORPORATION | $730,000 | $690,000 | -5.5% | 0.0% |
| First-Citizens Bank & Trust Company | $685,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP. | $275,000 | $680,000 | 147.3% | 0.0% |
| First Guaranty Mortgage Corporation | $2,635,000 | $675,000 | -74.4% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $650,000 | n/a | 0.0% | |
| BKCO MORTGAGE, LLC | $545,000 | $645,000 | 18.3% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,410,000 | $645,000 | -54.3% | 0.0% |
| INTERCAP LENDING INC. | $535,000 | $645,000 | 20.6% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $645,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $645,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $645,000 | n/a | 0.0% | |
| BLUELEAF LENDING, LLC | $635,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $155,000 | $605,000 | 290.3% | 0.0% |
| Raymond James Bank | $605,000 | n/a | 0.0% | |
| GESA | $1,840,000 | $595,000 | -67.7% | 0.0% |
| CU HOME MORTGAGE SOLUTIONS, LLC | $415,000 | $590,000 | 42.2% | 0.0% |
| GSF Mortgage Corporation | $2,515,000 | $575,000 | -77.1% | 0.0% |
| Bank of the Pacific | $22,350,000 | $560,000 | -97.5% | 0.0% |
| ADVANCIAL | $555,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $225,000 | $555,000 | 146.7% | 0.0% |
| ADVANTIS | $85,000 | $540,000 | 535.3% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $540,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $540,000 | n/a | 0.0% | |
| RED CANOE CREDIT UNION | $540,000 | n/a | 0.0% | |
| Sunflower Bank | $740,000 | $535,000 | -27.7% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $240,000 | $520,000 | 116.7% | 0.0% |
| Bethpage Federal Credit Union | $510,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $505,000 | n/a | 0.0% | |
| Florida Capital Bank | $505,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $570,000 | $505,000 | -11.4% | 0.0% |
| Arvest Bank | $145,000 | $490,000 | 237.9% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $625,000 | $485,000 | -22.4% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $680,000 | $480,000 | -29.4% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $475,000 | n/a | 0.0% | |
| HomeTrust Bank | $710,000 | $475,000 | -33.1% | 0.0% |
| RANLIFE, INC. | $185,000 | $475,000 | 156.8% | 0.0% |
| The Central Trust Bank | $475,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $2,760,000 | $470,000 | -83.0% | 0.0% |
| GENEVA FINANCIAL, LLC | $1,310,000 | $465,000 | -64.5% | 0.0% |
| Seattle Metropolitan Credit Union | $1,955,000 | $455,000 | -76.7% | 0.0% |
| TRISTAR FINANCE, INC. | $1,560,000 | $445,000 | -71.5% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $435,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $455,000 | $425,000 | -6.6% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| PRIORITY HOME LENDING, LLC | $1,015,000 | $405,000 | -60.1% | 0.0% |
| TAPCO Credit Union | $485,000 | $405,000 | -16.5% | 0.0% |
| CANVAS CREDIT UNION | $385,000 | n/a | 0.0% | |
| Nations Lending Corporation | $2,595,000 | $385,000 | -85.2% | 0.0% |
| PREMIA MORTGAGE, LLC | $375,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $1,020,000 | $365,000 | -64.2% | 0.0% |
| The Huntington National Bank | $365,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $355,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $1,815,000 | $355,000 | -80.4% | 0.0% |
| ARC HOME LLC | $1,310,000 | $345,000 | -73.7% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $345,000 | n/a | 0.0% | |
| MORTGAGE MASTER SERVICE CORPORATION | $3,405,000 | $345,000 | -89.9% | 0.0% |
| Strong Home Mortgage, LLC | $4,780,000 | $335,000 | -93.0% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $325,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $325,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $760,000 | $325,000 | -57.2% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,880,000 | $315,000 | -83.2% | 0.0% |
| PLANET HOME LENDING, LLC | $4,350,000 | $315,000 | -92.8% | 0.0% |
| First Financial Northwest Bank | $335,000 | $305,000 | -9.0% | 0.0% |
| First Savings Bank | $940,000 | $305,000 | -67.6% | 0.0% |
| LENDSURE MORTGAGE CORP. | $305,000 | n/a | 0.0% | |
| First National Bank of America | $295,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $285,000 | $285,000 | 0.0% | 0.0% |
| Magnolia Bank | $1,390,000 | $285,000 | -79.5% | 0.0% |
| S1L, Inc. | $275,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $265,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $1,425,000 | $255,000 | -82.1% | 0.0% |
| Discover Bank | $680,000 | $255,000 | -62.5% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $255,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $75,000 | $250,000 | 233.3% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $245,000 | n/a | 0.0% | |
| THE MONEY SOURCE INC. | $245,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,590,000 | $215,000 | -86.5% | 0.0% |
| PHH Mortgage Corporation | $1,435,000 | $205,000 | -85.7% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $305,000 | $205,000 | -32.8% | 0.0% |
| Goldwater Bank, N.A. | $590,000 | $195,000 | -66.9% | 0.0% |
| Wyndham Capital Mortgage, Inc. | $1,785,000 | $175,000 | -90.2% | 0.0% |
| Austin Capital Bank SSB | $155,000 | n/a | 0.0% | |
| O BEE | $155,000 | n/a | 0.0% | |
| America's Credit Union | $135,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $1,185,000 | $135,000 | -88.6% | 0.0% |
| UNIVERSITY CREDIT UNION | $135,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $125,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $415,000 | $125,000 | -69.9% | 0.0% |
| SPOKANE TEACHERS | $160,000 | $125,000 | -21.9% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $115,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Washington Trust Bank | $2,030,000 | $85,000 | -95.8% | 0.0% |
| GEORGIA'S OWN | $715,000 | $65,000 | -90.9% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | $65,000 | 0.0% | 0.0% |
| MOUNTAINCREST CREDIT UNION | $55,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $55,000 | n/a | 0.0% |
Oak Harbor's top lender by overall market share is VERITY, with 39.0% market share. In second place, with 3.7%, is GUILD MORTGAGE COMPANY, having originated $67,100,000 in loans. In third place, with 3.1%, is HOMEBRIDGE FINANCIAL SERVICES, INC., having originated $56,095,000 in loans. In fourth place, with 3.0%, is Boeing Employees Credit Union, having originated $55,570,000 in loans. In fifth place, with 2.8%, is QUICKEN LOANS, LLC, having originated $50,895,000 in loans.
Oak Harbor Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Oak Harbor (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 | $409,925 (5.2%) | $598,723 (9.2%) | 0.00 | 222 |
| 2018-02-01 | $405,738 (1.5%) | $596,354 (3.9%) | 0.00 | 212 |
| 2018-03-01 | $415,000 (3.1%) | $627,566 (6.2%) | 0.00 | 220 |
| 2018-04-01 | $428,975 (3.4%) | $622,783 (1.5%) | 0.00 | 250 |
| 2018-05-01 | $439,925 (1.8%) | $644,290 (-2.6%) | 0.00 | 248 |
| 2018-06-01 | $459,000 (7.1%) | $655,047 (4.0%) | 0.00 | 283 |
| 2018-07-01 | $459,000 (3.2%) | $646,173 (5.0%) | 0.00 | 324 |
| 2018-08-01 | $444,450 (0.4%) | $626,404 (4.4%) | 0.00 | 343 |
| 2018-09-01 | $438,500 (0.8%) | $618,977 (3.5%) | 0.00 | 360 |
| 2018-10-01 | $429,975 (2.4%) | $614,022 (5.1%) | 0.00 | 370 |
| 2018-11-01 | $432,000 (2.9%) | $622,463 (9.3%) | 0.00 | 340 |
| 2018-12-01 | $429,000 (3.4%) | $591,618 (3.8%) | 0.00 | 310 |
| 2019-01-01 | $402,450 (-1.8%) | $575,513 (-3.9%) | 0.00 | 298 |
| 2019-02-01 | $421,975 (4.0%) | $576,757 (-3.3%) | 0.00 | 273 |
| 2019-03-01 | $437,000 (5.3%) | $595,588 (-5.1%) | 0.00 | 278 |
| 2019-04-01 | $449,000 (4.7%) | $610,777 (-1.9%) | 0.00 | 294 |
| 2019-05-01 | $464,950 (5.7%) | $626,809 (-2.7%) | 0.00 | 318 |
| 2019-06-01 | $474,400 (3.4%) | $621,861 (-5.1%) | 0.00 | 337 |
| 2019-07-01 | $487,400 (6.2%) | $657,760 (1.8%) | 0.00 | 345 |
| 2019-08-01 | $484,927 (9.1%) | $651,750 (4.1%) | 0.00 | 366 |
| 2019-09-01 | $484,968 (10.6%) | $640,585 (3.5%) | 0.00 | 367 |
| 2019-10-01 | $487,250 (13.3%) | $635,978 (3.6%) | 0.00 | 364 |
| 2019-11-01 | $495,000 (14.6%) | $639,667 (2.8%) | 0.00 | 327 |
| 2019-12-01 | $481,000 (12.1%) | $630,310 (6.5%) | 0.00 | 266 |
| 2020-01-01 | $477,250 (18.6%) | $630,893 (9.6%) | 0.00 | 231 |
| 2020-02-01 | $486,950 (15.4%) | $636,821 (10.4%) | 0.00 | 207 |
| 2020-03-01 | $499,000 (14.2%) | $650,301 (9.2%) | 0.00 | 226 |
| 2020-04-01 | $499,500 (11.3%) | $637,268 (4.3%) | 0.00 | 237 |
| 2020-05-01 | $525,000 (12.9%) | $672,461 (7.3%) | 0.00 | 231 |
| 2020-06-01 | $528,249 (11.4%) | $674,974 (8.5%) | 0.00 | 219 |
| 2020-07-01 | $543,850 (11.6%) | $706,818 (7.5%) | 0.00 | 211 |
| 2020-08-01 | $582,500 (20.1%) | $745,795 (14.4%) | 0.00 | 182 |
| 2020-09-01 | $567,238 (17.0%) | $779,383 (21.7%) | 0.00 | 173 |
| 2020-10-01 | $549,000 (12.7%) | $779,159 (22.5%) | 0.00 | 169 |
| 2020-11-01 | $591,988 (19.6%) | $868,586 (35.8%) | 0.00 | 109 |
| 2020-12-01 | $587,850 (22.2%) | $875,402 (38.9%) | 0.00 | 81 |
| 2021-01-01 | $575,000 (20.5%) | $849,699 (34.7%) | 0.00 | 59 |
| 2021-02-01 | $574,500 (18.0%) | $823,348 (29.3%) | 0.00 | 60 |
| 2021-03-01 | $580,500 (16.3%) | $848,874 (30.5%) | 0.00 | 60 |
| 2021-04-01 | $599,900 (20.1%) | $864,246 (35.6%) | 0.00 | 70 |
| 2021-05-01 | $599,000 (14.1%) | $846,803 (25.9%) | 0.00 | 84 |
| 2021-06-01 | $625,000 (18.3%) | $923,461 (36.8%) | 0.00 | 100 |
| 2021-07-01 | $625,000 (14.9%) | $883,824 (25.0%) | 0.00 | 111 |
| 2021-08-01 | $601,238 (3.2%) | $865,445 (16.0%) | 0.00 | 122 |
| 2021-09-01 | $627,485 (10.6%) | $871,126 (11.8%) | 0.00 | 109 |
| 2021-10-01 | $599,950 (9.3%) | $839,866 (7.8%) | 0.00 | 103 |
| 2021-11-01 | $678,750 (14.7%) | $904,871 (4.2%) | 0.00 | 77 |
| 2021-12-01 | $602,475 (2.5%) | $812,722 (-7.2%) | 0.00 | 63 |
| 2022-01-01 | $650,000 (13.0%) | $813,953 (-4.2%) | 0.00 | 42 |
| 2022-02-01 | $660,500 (15.0%) | $815,813 (-0.9%) | 0.00 | 42 |
| 2022-03-01 | $712,350 (22.7%) | $820,582 (-3.3%) | 0.00 | 51 |
| 2022-04-01 | $665,000 (10.9%) | $799,760 (-7.5%) | 0.00 | 63 |
| 2022-05-01 | $687,500 (14.8%) | $812,072 (-4.1%) | 0.00 | 126 |
| 2022-06-01 | $713,000 (14.1%) | $852,964 (-7.6%) | 0.00 | 175 |
| 2022-07-01 | $699,000 (11.8%) | $870,180 (-1.5%) | 0.00 | 231 |
| 2022-08-01 | $756,988 (25.9%) | $927,310 (7.2%) | 0.00 | 229 |
| 2022-09-01 | $750,000 (19.5%) | $940,895 (8.0%) | 0.00 | 226 |
| 2022-10-01 | $704,500 (17.4%) | $909,810 (8.3%) | 0.00 | 229 |
| 2022-11-01 | $674,923 (-0.6%) | $867,519 (-4.1%) | 0.00 | 225 |
| 2022-12-01 | $650,000 (7.9%) | $860,921 (5.9%) | 0.00 | 176 |
| 2023-01-01 | $638,225 (-1.8%) | $840,978 (3.3%) | 0.00 | 155 |
| 2023-02-01 | $658,000 (-0.4%) | $833,904 (2.2%) | 0.00 | 133 |
| 2023-03-01 | $693,475 (-2.7%) | $915,891 (11.6%) | 0.00 | 133 |
| 2023-04-01 | $712,475 (7.1%) | $998,916 (24.9%) | 0.00 | 148 |
| 2023-05-01 | $799,500 (16.3%) | $1,044,715 (28.7%) | 0.00 | 177 |
| 2023-06-01 | $797,000 (11.8%) | $1,061,467 (24.4%) | 0.00 | 192 |
| 2023-07-01 | $750,000 (7.3%) | $1,025,194 (17.8%) | 0.00 | 202 |
| 2023-08-01 | $744,975 (-1.6%) | $991,910 (7.0%) | 0.00 | 203 |
Oak Harbor's median listing price for 2023-08-01 was $744,975, a difference of
$-12,013
(-1.6%) versus the prior year and
$-5,025 versus the prior month.
Oak Harbor's median listing price comes in at 0% of the national average.
Oak Harbor's average listing price for 2023-08-01 was $991,910, a difference of $64,600 (7.0%) versus the prior year and $-33,284 versus the prior month.
For the 2023-08-01 period, Oak Harbor had 203 MLS listings, a difference of 1 listings (0%) versus the prior month and -26 listings (-11%) versus the prior year.
Oak Harbor's median listing price comes in at 0% of the national average.
Oak Harbor's average listing price for 2023-08-01 was $991,910, a difference of $64,600 (7.0%) versus the prior year and $-33,284 versus the prior month.
For the 2023-08-01 period, Oak Harbor had 203 MLS listings, a difference of 1 listings (0%) versus the prior month and -26 listings (-11%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Oak Harbor (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,942 sqft |
| 2018-02-01 | 0 days | 2,007 sqft |
| 2018-03-01 | 0 days | 1,993 sqft |
| 2018-04-01 | 0 days | 2,026 sqft |
| 2018-05-01 | 0 days | 2,015 sqft |
| 2018-06-01 | 0 days | 2,039 sqft |
| 2018-07-01 | 0 days | 2,062 sqft |
| 2018-08-01 | 0 days | 2,016 sqft |
| 2018-09-01 | 0 days | 1,965 sqft |
| 2018-10-01 | 0 days | 1,943 sqft |
| 2018-11-01 | 0 days | 1,953 sqft |
| 2018-12-01 | 0 days | 1,865 sqft |
| 2019-01-01 | 0 days | 1,798 sqft |
| 2019-02-01 | 0 days | 1,808 sqft |
| 2019-03-01 | 0 days | 1,822 sqft |
| 2019-04-01 | 0 days | 1,864 sqft |
| 2019-05-01 | 0 days | 1,935 sqft |
| 2019-06-01 | 0 days | 1,972 sqft |
| 2019-07-01 | 0 days | 1,988 sqft |
| 2019-08-01 | 0 days | 1,969 sqft |
| 2019-09-01 | 0 days | 1,961 sqft |
| 2019-10-01 | 0 days | 1,956 sqft |
| 2019-11-01 | 0 days | 1,955 sqft |
| 2019-12-01 | 0 days | 1,862 sqft |
| 2020-01-01 | 0 days | 1,879 sqft |
| 2020-02-01 | 0 days | 1,897 sqft |
| 2020-03-01 | 0 days | 1,895 sqft |
| 2020-04-01 | 0 days | 1,937 sqft |
| 2020-05-01 | 0 days | 1,963 sqft |
| 2020-06-01 | 0 days | 1,874 sqft |
| 2020-07-01 | 0 days | 1,935 sqft |
| 2020-08-01 | 0 days | 1,970 sqft |
| 2020-09-01 | 0 days | 1,960 sqft |
| 2020-10-01 | 0 days | 1,964 sqft |
| 2020-11-01 | 0 days | 2,068 sqft |
| 2020-12-01 | 0 days | 1,976 sqft |
| 2021-01-01 | 0 days | 2,051 sqft |
| 2021-02-01 | 0 days | 1,980 sqft |
| 2021-03-01 | 0 days | 1,984 sqft |
| 2021-04-01 | 0 days | 2,020 sqft |
| 2021-05-01 | 0 days | 1,892 sqft |
| 2021-06-01 | 0 days | 1,945 sqft |
| 2021-07-01 | 0 days | 2,040 sqft |
| 2021-08-01 | 0 days | 1,962 sqft |
| 2021-09-01 | 0 days | 1,998 sqft |
| 2021-10-01 | 0 days | 2,007 sqft |
| 2021-11-01 | 0 days | 2,057 sqft |
| 2021-12-01 | 0 days | 1,941 sqft |
| 2022-01-01 | 0 days | 2,064 sqft |
| 2022-02-01 | 0 days | 1,973 sqft |
| 2022-03-01 | 0 days | 1,933 sqft |
| 2022-04-01 | 0 days | 1,843 sqft |
| 2022-05-01 | 0 days | 1,736 sqft |
| 2022-06-01 | 0 days | 1,896 sqft |
| 2022-07-01 | 0 days | 1,920 sqft |
| 2022-08-01 | 0 days | 1,963 sqft |
| 2022-09-01 | 0 days | 1,991 sqft |
| 2022-10-01 | 0 days | 1,928 sqft |
| 2022-11-01 | 0 days | 1,890 sqft |
| 2022-12-01 | 0 days | 1,904 sqft |
| 2023-01-01 | 0 days | 1,850 sqft |
| 2023-02-01 | 0 days | 1,931 sqft |
| 2023-03-01 | 0 days | 2,043 sqft |
| 2023-04-01 | 0 days | 2,096 sqft |
| 2023-05-01 | 0 days | 2,027 sqft |
| 2023-06-01 | 0 days | 2,042 sqft |
| 2023-07-01 | 0 days | 2,021 sqft |
| 2023-08-01 | 0 days | 1,980 sqft |
Oak Harbor's median listing age (time on market) for 2023-08-01 was 0 days.
Oak Harbor's median square footage for active listings during the 2023-08-01 period was 1,980 sqft. One year prior, the average listing was 1,963 sqft.
Oak Harbor's median square footage for active listings during the 2023-08-01 period was 1,980 sqft. One year prior, the average listing was 1,963 sqft.
Oak Harbor, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,397 | $670,985,000 | $480,304 |
| Cash Out Refi | 597 | $226,195,000 | $378,886 |
| Home Improvement | 410 | $692,740,000 | $1,689,610 |
| Refi | 337 | $113,705,000 | $337,404 |
| Other | 283 | $132,855,000 | $469,452 |
Oak Harbor's most frequently cited loan purpose was Home Purchase, with 1,397 originations. The 2nd most popular reason was Cash Out Refi, with 597 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 742 | $332,090,000 | $447,561 |
| 4-5% | 707 | $424,765,000 | $600,799 |
| 5-6% | 669 | $496,125,000 | $741,592 |
| 6-7% | 337 | $262,495,000 | $778,917 |
| 2.5-3% | 224 | $91,280,000 | $407,500 |
| 7-8% | 132 | $175,780,000 | $1,331,667 |
| <2.5% | 118 | $37,900,000 | $321,186 |
| Over 8% | 88 | $12,900,000 | $146,591 |
During 2022, Oak Harbor's most frequently originated rate bucket was 3-4%, with 742 originations.
Loan Sizing (Oak Harbor, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 998 | $301,270,000 | $301,874 |
| $400k-600k | 860 | $413,000,000 | $480,233 |
| $100k-200k | 419 | $58,425,000 | $139,439 |
| $100,000 or less | 362 | $20,470,000 | $56,547 |
| $600k-1000k | 306 | $217,490,000 | $710,752 |
| $Over $1MM | 79 | $825,825,000 | $10,453,481 |
Oak Harbor's loan sizing saw the bucket of loans from $200k-400k with 998 originations, totaling $301,270,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 716 | $354,370,000 | $494,930 |
| 60-80% | 673 | $344,565,000 | $511,984 |
| Under 20% | 545 | $47,315,000 | $86,817 |
| 40-60% | 468 | $183,590,000 | $392,286 |
| 20-40% | 419 | $100,315,000 | $239,415 |
| Over 100% | 180 | $797,670,000 | $4,431,500 |
Oak Harbor's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 716 originations, totaling $354,370,000 in origination value.