Oak Harbor Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Oak Harbor averaged
5.72%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
6.03% and
one month ago for the week of 2022-05-26, the
average rate was 5.12%.
Oak Harbor's average rate one year ago was 2.98%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.95%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Oak Harbor 30 Year Fixed Rate | 2022-06-30 | 5.72% |
| Oak Harbor 30 Year Fixed Rate Refi | 2022-06-30 | 5.95% |
| Oak Harbor 15 Year Fixed Rate | 2022-06-30 | 5.03% |
| Oak Harbor 15 Year Fixed Rate Refi | 2022-06-30 | 5.07% |
| Oak Harbor 30 Year FHA | 2022-06-30 | 5.59% |
| Oak Harbor 30 Year FHA Refi | 2022-06-30 | 5.74% |
| Oak Harbor 30 Year USDA | 2022-06-30 | 5.48% |
| Oak Harbor 30 Year USDA Refi | 2022-06-30 | 5.65% |
| Oak Harbor 30 Year VA | 2022-06-30 | 5.66% |
| Oak Harbor 30 Year VA Refi | 2022-06-30 | 5.46% |
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 lendor, 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, WA's 199 lenders originated 6,335
loans during 2021. The total origination value was $2,218,845,000, with an average loan value of
$350,252.
The top Oak Harbor lender as defined by loan originations is QUICKEN LOANS, LLC, with
235 loans originated. Their average total fees are
$4,925, which is $332
higher than the next largest lender,
CALIBER HOME LOANS, INC..
The lowest fee Oak Harbor lenders (with over 10 loans originated) are
NBKC BANK ($1,917), Bank of the Pacific ($2,891), WASHINGTON STATE EMPLOYEES Credit Union ($3,329), PROVIDENT FUNDING ASSOCIATES, L.P. ($3,364) and Bank of America ($3,408).
The lowest rate Oak Harbor lenders (with over 10 loans originated) are
PROVIDENT FUNDING ASSOCIATES, L.P. (2.76%), BETTER MORTGAGE CORPORATION (2.79%), Bank of the Pacific (2.80%), KeyBank (2.82%) and NBKC BANK (2.87%).
Oak Harbor, WA Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $217,585,000 | $199,265,000 | -8.4% | 9.0% |
| QUICKEN LOANS, LLC | $155,715,000 | $130,530,000 | -16.2% | 5.9% |
| CALIBER HOME LOANS, INC. | $99,530,000 | $121,980,000 | 22.6% | 5.5% |
| Peoples Bank | $103,110,000 | $83,060,000 | -19.4% | 3.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $69,110,000 | $82,260,000 | 19.0% | 3.7% |
| Boeing Employees Credit Union | $47,435,000 | $70,460,000 | 48.5% | 3.2% |
| Alaska USA Federal Credit Union | $850,000 | $64,075,000 | 7,438.2% | 2.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $64,610,000 | $63,580,000 | -1.6% | 2.9% |
| Alaska USA Mortgage Company LLC | $76,475,000 | $61,745,000 | -19.3% | 2.8% |
| Wells Fargo Bank | $40,325,000 | $56,280,000 | 39.6% | 2.5% |
| LOANDEPOT.COM, LLC | $47,080,000 | $50,650,000 | 7.6% | 2.3% |
| FREEDOM MORTGAGE CORPORATION | $63,035,000 | $49,235,000 | -21.9% | 2.2% |
| NAVY FEDERAL CREDIT UNION | $41,580,000 | $45,600,000 | 9.7% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $39,250,000 | $44,020,000 | 12.2% | 2.0% |
| ENVOY MORTGAGE, LTD | $44,760,000 | $39,055,000 | -12.7% | 1.8% |
| Heritage Bank | $34,285,000 | $38,395,000 | 12.0% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $21,205,000 | $33,200,000 | 56.6% | 1.5% |
| HOME POINT FINANCIAL CORPORATION | $20,200,000 | $32,420,000 | 60.5% | 1.5% |
| U.S. Bank | $26,935,000 | $31,360,000 | 16.4% | 1.4% |
| Mortgage Research Center, LLC | $30,300,000 | $29,725,000 | -1.9% | 1.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $26,590,000 | $27,940,000 | 5.1% | 1.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $25,420,000 | $27,680,000 | 8.9% | 1.2% |
| JPMorgan Chase Bank | $23,885,000 | $27,355,000 | 14.5% | 1.2% |
| Bank of America | $24,265,000 | $24,515,000 | 1.0% | 1.1% |
| BETTER MORTGAGE CORPORATION | $11,495,000 | $23,630,000 | 105.6% | 1.1% |
| Washington Federal Bank | $28,485,000 | $22,460,000 | -21.2% | 1.0% |
| Umpqua Bank | $19,890,000 | $22,430,000 | 12.8% | 1.0% |
| Bank of the Pacific | $31,815,000 | $22,350,000 | -29.8% | 1.0% |
| BROKER SOLUTIONS, INC. | $14,740,000 | $22,145,000 | 50.2% | 1.0% |
| FINANCE OF AMERICA MORTGAGE LLC | $17,510,000 | $20,515,000 | 17.2% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $15,115,000 | $19,510,000 | 29.1% | 0.9% |
| KeyBank | $12,790,000 | $18,325,000 | 43.3% | 0.8% |
| Banner Bank | $24,885,000 | $18,030,000 | -27.5% | 0.8% |
| AMERISAVE MORTGAGE CORPORATION | $8,670,000 | $18,015,000 | 107.8% | 0.8% |
| CORNERSTONE HOME LENDING, INC. | $18,360,000 | $17,720,000 | -3.5% | 0.8% |
| NEWREZ LLC | $6,310,000 | $17,285,000 | 173.9% | 0.8% |
| HomeStreet Bank | $10,975,000 | $17,190,000 | 56.6% | 0.8% |
| LEADERONE FINANCIAL CORPORATION | $12,895,000 | $15,845,000 | 22.9% | 0.7% |
| 1st Security Bank of Washington | $17,035,000 | $15,540,000 | -8.8% | 0.7% |
| Victorian Finance, LLC | $1,990,000 | $15,265,000 | 667.1% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $18,430,000 | $14,825,000 | -19.6% | 0.7% |
| SUMMIT FUNDING, INC. | $11,845,000 | $14,440,000 | 21.9% | 0.7% |
| ACADEMY MORTGAGE CORPORATION | $11,040,000 | $14,430,000 | 30.7% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $8,200,000 | $13,865,000 | 69.1% | 0.6% |
| DIRECTORS MORTGAGE, INC. | $7,515,000 | $12,750,000 | 69.7% | 0.6% |
| Flagstar Bank, FSB | $10,000,000 | $12,130,000 | 21.3% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $12,345,000 | $9,430,000 | -23.6% | 0.4% |
| DAS Acquisition Company, LLC | $37,190,000 | $8,910,000 | -76.0% | 0.4% |
| PENRITH HOME LOANS LLC | $5,585,000 | $8,375,000 | 50.0% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $6,775,000 | $8,365,000 | 23.5% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $9,345,000 | $7,860,000 | -15.9% | 0.4% |
| NBKC BANK | $9,830,000 | $7,165,000 | -27.1% | 0.3% |
| PNC Bank | $2,735,000 | $7,140,000 | 161.1% | 0.3% |
| NFM, INC. | $1,760,000 | $7,015,000 | 298.6% | 0.3% |
| LENDUS, LLC | $7,185,000 | $6,645,000 | -7.5% | 0.3% |
| GUARANTEED RATE, INC. | $5,925,000 | $6,445,000 | 8.8% | 0.3% |
| USAA Federal Savings Bank | $13,315,000 | $6,200,000 | -53.4% | 0.3% |
| WASHINGTON STATE EMPLOYEES Credit Union | $3,185,000 | $6,175,000 | 93.9% | 0.3% |
| The Federal Savings Bank | $12,280,000 | $6,020,000 | -51.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $6,015,000 | $5,970,000 | -0.7% | 0.3% |
| Ally Bank | $1,915,000 | $5,885,000 | 207.3% | 0.3% |
| AMERICAN ADVISORS GROUP | $2,175,000 | $5,855,000 | 169.2% | 0.3% |
| BAY EQUITY LLC | $7,205,000 | $5,840,000 | -18.9% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $1,530,000 | $5,420,000 | 254.2% | 0.2% |
| Charles Schwab Bank, SSB | $3,020,000 | $5,290,000 | 75.2% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $6,020,000 | $5,135,000 | -14.7% | 0.2% |
| Strong Home Mortgage, LLC | $3,360,000 | $4,780,000 | 42.3% | 0.2% |
| PLANET HOME LENDING, LLC | $4,135,000 | $4,350,000 | 5.2% | 0.2% |
| North American Savings Bank, F.S.B. | $5,575,000 | $4,265,000 | -23.5% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,250,000 | $4,095,000 | -34.5% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,060,000 | $3,915,000 | 27.9% | 0.2% |
| SUMMIT MORTGAGE CORPORATION | $840,000 | $3,765,000 | 348.2% | 0.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $3,985,000 | $3,725,000 | -6.5% | 0.2% |
| TIAA, FSB | $3,945,000 | $3,685,000 | -6.6% | 0.2% |
| NorthWest Plus Credit Union | $5,840,000 | $3,645,000 | -37.6% | 0.2% |
| MORTGAGE MASTER SERVICE CORPORATION | $2,675,000 | $3,405,000 | 27.3% | 0.2% |
| MANN FINANCIAL INC. | $2,750,000 | $3,360,000 | 22.2% | 0.2% |
| TJC Mortgage, Inc. | $2,910,000 | $3,240,000 | 11.3% | 0.1% |
| LADERA LENDING, INC. | $3,215,000 | $3,225,000 | 0.3% | 0.1% |
| Carrington Mortgage Services, LLC | $3,470,000 | $3,165,000 | -8.8% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $3,710,000 | $3,105,000 | -16.3% | 0.1% |
| Wolfe Financial, Inc | $2,780,000 | $2,875,000 | 3.4% | 0.1% |
| AXIA FINANCIAL, LLC | $6,480,000 | $2,805,000 | -56.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,470,000 | $2,780,000 | 89.1% | 0.1% |
| InterContinental Capital Group, Inc | $3,105,000 | $2,760,000 | -11.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,310,000 | $2,760,000 | 110.7% | 0.1% |
| NexBank | $1,560,000 | $2,700,000 | 73.1% | 0.1% |
| Sound Community Bank | $725,000 | $2,655,000 | 266.2% | 0.1% |
| First Guaranty Mortgage Corporation | $1,250,000 | $2,635,000 | 110.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,890,000 | $2,625,000 | -32.5% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $825,000 | $2,625,000 | 218.2% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $3,975,000 | $2,625,000 | -34.0% | 0.1% |
| Nations Lending Corporation | $2,945,000 | $2,595,000 | -11.9% | 0.1% |
| Hometown Lenders, Inc. | $3,095,000 | $2,570,000 | -17.0% | 0.1% |
| WHATCOM EDUCATIONAL CREDIT UNION | $790,000 | $2,570,000 | 225.3% | 0.1% |
| Morgan Stanley Private Bank | $6,195,000 | $2,535,000 | -59.1% | 0.1% |
| GSF Mortgage Corporation | $900,000 | $2,515,000 | 179.4% | 0.1% |
| Bank of England | $840,000 | $2,420,000 | 188.1% | 0.1% |
| SOUND | $850,000 | $2,360,000 | 177.6% | 0.1% |
| STEARNS LENDING, LLC | $985,000 | $2,345,000 | 138.1% | 0.1% |
| SPRING EQ, LLC | $35,000 | $2,325,000 | 6,542.9% | 0.1% |
| Truist Bank | $2,285,000 | $2,155,000 | -5.7% | 0.1% |
| CMG MORTGAGE, INC. | $2,270,000 | $2,135,000 | -5.9% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $4,655,000 | $2,135,000 | -54.1% | 0.1% |
| FIRST TECHNOLOGY | $7,730,000 | $2,125,000 | -72.5% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $3,225,000 | $2,115,000 | -34.4% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $1,885,000 | $2,115,000 | 12.2% | 0.1% |
| FirstBank | $3,120,000 | $2,040,000 | -34.6% | 0.1% |
| Washington Trust Bank | $5,100,000 | $2,030,000 | -60.2% | 0.1% |
| CITYWIDE HOME LOANS, LLC | $530,000 | $2,015,000 | 280.2% | 0.1% |
| Silicon Valley Bank | $805,000 | $2,005,000 | 149.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,980,000 | n/a | 0.1% | |
| Seattle Metropolitan Credit Union | $820,000 | $1,955,000 | 138.4% | 0.1% |
| BNC National Bank | $4,485,000 | $1,920,000 | -57.2% | 0.1% |
| Columbia State Bank | $2,330,000 | $1,915,000 | -17.8% | 0.1% |
| WESTWOOD MORTGAGE, INC. | $1,935,000 | $1,890,000 | -2.3% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,795,000 | $1,880,000 | 4.7% | 0.1% |
| Plains Commerce Bank | $1,880,000 | n/a | 0.1% | |
| GESA | $2,285,000 | $1,840,000 | -19.5% | 0.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | $2,405,000 | $1,815,000 | -24.5% | 0.1% |
| Solarity Credit Union | $1,080,000 | $1,805,000 | 67.1% | 0.1% |
| Paramount Bank | $1,800,000 | n/a | 0.1% | |
| CIT Bank | $1,790,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $1,520,000 | $1,785,000 | 17.4% | 0.1% |
| The Loan Store, Inc. | $1,770,000 | n/a | 0.1% | |
| Cf Bank | $245,000 | $1,715,000 | 600.0% | 0.1% |
| HARBORSTONE | $1,610,000 | n/a | 0.1% | |
| MUFG Union Bank | $1,920,000 | $1,605,000 | -16.4% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,440,000 | $1,595,000 | 10.8% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,470,000 | $1,590,000 | 8.2% | 0.1% |
| NP, Inc. | $930,000 | $1,585,000 | 70.4% | 0.1% |
| UBS Bank USA | $3,515,000 | $1,575,000 | -55.2% | 0.1% |
| TRISTAR FINANCE, INC. | $385,000 | $1,560,000 | 305.2% | 0.1% |
| SOFI LENDING CORP. | $1,535,000 | n/a | 0.1% | |
| ON Q FINANCIAL, INC. | $2,665,000 | $1,520,000 | -43.0% | 0.1% |
| East West Bank | $1,505,000 | n/a | 0.1% | |
| Pacific Premier Bank | $1,505,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $305,000 | $1,480,000 | 385.2% | 0.1% |
| OPEN MORTGAGE, LLC | $1,120,000 | $1,465,000 | 30.8% | 0.1% |
| Axos Bank | $345,000 | $1,440,000 | 317.4% | 0.1% |
| PHH Mortgage Corporation | $1,310,000 | $1,435,000 | 9.5% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,425,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $940,000 | $1,410,000 | 50.0% | 0.1% |
| Northpointe Bank | $1,045,000 | $1,400,000 | 34.0% | 0.1% |
| Magnolia Bank | $875,000 | $1,390,000 | 58.9% | 0.1% |
| Wallick & Volk, Inc. | $2,125,000 | $1,390,000 | -34.6% | 0.1% |
| City National Bank | $1,885,000 | $1,370,000 | -27.3% | 0.1% |
| ARC HOME LLC | $410,000 | $1,310,000 | 219.5% | 0.1% |
| GENEVA FINANCIAL, LLC | $2,055,000 | $1,310,000 | -36.3% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,145,000 | $1,215,000 | 6.1% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,825,000 | $1,205,000 | -68.5% | 0.1% |
| EMBRACE HOME LOANS, INC. | $795,000 | $1,185,000 | 49.1% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $425,000 | $1,115,000 | 162.4% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,115,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $1,890,000 | $1,115,000 | -41.0% | 0.1% |
| Meridian Bank Corporation | $1,060,000 | $1,105,000 | 4.2% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $2,030,000 | $1,065,000 | -47.5% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,375,000 | $1,060,000 | -22.9% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $1,735,000 | $1,050,000 | -39.5% | 0.0% |
| Lakeview Community Capital, LLC | $325,000 | $1,020,000 | 213.8% | 0.0% |
| PRIORITY HOME LENDING, LLC | $1,260,000 | $1,015,000 | -19.4% | 0.0% |
| First Interstate Bank | $995,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $970,000 | n/a | 0.0% | |
| OCMBC, INC. | $965,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $2,170,000 | $940,000 | -56.7% | 0.0% |
| First Savings Bank | $970,000 | $940,000 | -3.1% | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | $930,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,345,000 | $905,000 | -32.7% | 0.0% |
| Cornerstone First Mortgage, Inc | $295,000 | $880,000 | 198.3% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $870,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $870,000 | n/a | 0.0% | |
| First Republic Bank | $685,000 | $865,000 | 26.3% | 0.0% |
| Figure Lending LLC | $295,000 | $840,000 | 184.7% | 0.0% |
| First Horizon Bank | $795,000 | n/a | 0.0% | |
| VERITY | $100,000 | $795,000 | 695.0% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $790,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $295,000 | $780,000 | 164.4% | 0.0% |
| KS StateBank | $1,840,000 | $770,000 | -58.2% | 0.0% |
| Northwest Farm Credit Services, FLCA | $590,000 | $760,000 | 28.8% | 0.0% |
| First Federal Savings and Loan Association of Port Angeles | $2,465,000 | $745,000 | -69.8% | 0.0% |
| Sunflower Bank | $1,135,000 | $740,000 | -34.8% | 0.0% |
| OAKTREE FUNDING CORP. | $735,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $490,000 | $730,000 | 49.0% | 0.0% |
| Firefighters First Federal Credit Union | $1,145,000 | $715,000 | -37.6% | 0.0% |
| GEORGIA'S OWN | $715,000 | n/a | 0.0% | |
| HomeTrust Bank | $710,000 | n/a | 0.0% | |
| Texana Bank | $690,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $430,000 | $685,000 | 59.3% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $590,000 | $680,000 | 15.3% | 0.0% |
| Discover Bank | $410,000 | $680,000 | 65.9% | 0.0% |
| KITSAP Credit Union | $160,000 | $670,000 | 318.8% | 0.0% |
| NBH Bank | $265,000 | $670,000 | 152.8% | 0.0% |
| Goldman Sachs Bank USA | $2,955,000 | $665,000 | -77.5% | 0.0% |
| LOANPAL, LLC | $650,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $635,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $625,000 | n/a | 0.0% | |
| Financial Funding Solutions, Inc. | $590,000 | $625,000 | 5.9% | 0.0% |
| SALAL | $1,795,000 | $600,000 | -66.6% | 0.0% |
| Goldwater Bank, N.A. | $285,000 | $590,000 | 107.0% | 0.0% |
| HOMESTEAD FUNDING CORP. | $905,000 | $570,000 | -37.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,025,000 | $555,000 | -45.9% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $550,000 | n/a | 0.0% | |
| BKCO MORTGAGE, LLC | $3,330,000 | $545,000 | -83.6% | 0.0% |
| CITIZENS EQUITY FIRST | $545,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $820,000 | $545,000 | -33.5% | 0.0% |
| LO, INC. | $930,000 | $545,000 | -41.4% | 0.0% |
| TCF National Bank | $740,000 | $540,000 | -27.0% | 0.0% |
| First Home Bank | $295,000 | $535,000 | 81.4% | 0.0% |
| INTERCAP LENDING INC. | $285,000 | $535,000 | 87.7% | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $495,000 | $525,000 | 6.1% | 0.0% |
| iQ Credit Union | $520,000 | n/a | 0.0% | |
| DIRECT MORTGAGE, CORP. | $515,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $345,000 | $515,000 | 49.3% | 0.0% |
| Baxter Credit Union | $510,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $505,000 | $510,000 | 1.0% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $505,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $495,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $490,000 | n/a | 0.0% | |
| TAPCO Credit Union | $485,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,810,000 | $480,000 | -73.5% | 0.0% |
| Chicago Financial Services, Inc. | $225,000 | $455,000 | 102.2% | 0.0% |
| THRIVE MORTGAGE, LLC | $590,000 | $455,000 | -22.9% | 0.0% |
| Unitus Community Credit Union | $580,000 | $455,000 | -21.6% | 0.0% |
| VERITAS FUNDING, LLC | $455,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $435,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $435,000 | n/a | 0.0% | |
| ALL WESTERN MORTGAGE, INC. | $165,000 | $425,000 | 157.6% | 0.0% |
| EAGLE HOME MORTGAGE, LLC | $295,000 | $425,000 | 44.1% | 0.0% |
| CU HOME MORTGAGE SOLUTIONS, LLC | $1,470,000 | $415,000 | -71.8% | 0.0% |
| RBC Bank, (Georgia) | $235,000 | $415,000 | 76.6% | 0.0% |
| The Dart Bank | $415,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $245,000 | $405,000 | 65.3% | 0.0% |
| Bank of the West | $1,015,000 | $380,000 | -62.6% | 0.0% |
| EMM LOANS LLC | $380,000 | n/a | 0.0% | |
| First Federal Bank | $235,000 | $375,000 | 59.6% | 0.0% |
| TWINSTAR | $375,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $830,000 | $375,000 | -54.8% | 0.0% |
| HighTechLending Inc | $125,000 | $370,000 | 196.0% | 0.0% |
| Zions Bancorporation, N.A. | $155,000 | $365,000 | 135.5% | 0.0% |
| Commerce Home Mortgage, Inc. | $185,000 | $355,000 | 91.9% | 0.0% |
| PARKSIDE LENDING, LLC | $2,540,000 | $355,000 | -86.0% | 0.0% |
| EVERETT FINANCIAL, INC. | $2,805,000 | $335,000 | -88.1% | 0.0% |
| First Financial Northwest Bank | $335,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $335,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $215,000 | $305,000 | 41.9% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $110,000 | $305,000 | 177.3% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $550,000 | $285,000 | -48.2% | 0.0% |
| TIB The Independent Bankersbank | $425,000 | $285,000 | -32.9% | 0.0% |
| Cathay Bank | $275,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $275,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP. | $480,000 | $275,000 | -42.7% | 0.0% |
| First Mortgage Solutions, LLC | $265,000 | n/a | 0.0% | |
| CHEVRON | $395,000 | $255,000 | -35.4% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $255,000 | n/a | 0.0% | |
| Peoples Bank | $103,110,000 | $255,000 | -99.8% | 0.0% |
| PREMIER AMERICA | $255,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $245,000 | n/a | 0.0% | |
| NATIONWIDE EQUITIES CORPORATION | $245,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $240,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $225,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $225,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $245,000 | $215,000 | -12.2% | 0.0% |
| AMCAP MORTGAGE, LTD. | $195,000 | n/a | 0.0% | |
| Citizens Bank | $1,245,000 | $195,000 | -84.3% | 0.0% |
| Qualstar Credit Union | $895,000 | $185,000 | -79.3% | 0.0% |
| RANLIFE, INC. | $155,000 | $185,000 | 19.4% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $175,000 | n/a | 0.0% | |
| WESTERN EXPRESS LENDING | $175,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $435,000 | $165,000 | -62.1% | 0.0% |
| SPOKANE TEACHERS | $1,085,000 | $160,000 | -85.3% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $155,000 | n/a | 0.0% | |
| Arvest Bank | $255,000 | $145,000 | -43.1% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $495,000 | $135,000 | -72.7% | 0.0% |
| UNITED SECURITY FINANCIAL CORP | $135,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $125,000 | n/a | 0.0% | |
| ADVANTIS | $1,115,000 | $85,000 | -92.4% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $85,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | n/a | 0.0% | |
| HORIZON | $55,000 | n/a | 0.0% |
Oak Harbor's top lender by overall market share is GUILD MORTGAGE COMPANY, with 9.0% market share. In second place, with 5.9%, is QUICKEN LOANS, LLC, having originated $130,530,000 in loans. In third place, with 5.5%, is CALIBER HOME LOANS, INC., having originated $121,980,000 in loans. In third place, with 3.7%, is Peoples Bank, having originated $83,060,000 in loans. In third place, with 3.7%, is HOMEBRIDGE FINANCIAL SERVICES, INC., having originated $82,260,000 in loans.
Oak Harbor, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 2,457 | $757,125,000 | $308,150 |
| Home Purchase | 1,948 | $862,460,000 | $442,741 |
| Cash Out Refi | 1,550 | $525,600,000 | $339,097 |
| Home Improvement | 218 | $35,020,000 | $160,642 |
| Other | 162 | $38,640,000 | $238,519 |
Oak Harbor's most frequently cited loan purpose was Refi, with 2,457 originations. The 2nd most popular reason was Home Purchase, with 1,948 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 2,585 | $942,845,000 | $364,737 |
| 3-4% | 1,885 | $684,735,000 | $363,255 |
| <2.5% | 1,627 | $542,355,000 | $333,347 |
| 4-5% | 150 | $35,170,000 | $234,467 |
| 5-6% | 42 | $5,510,000 | $131,190 |
| 6-7% | 20 | $4,730,000 | $236,500 |
| Over 8% | 16 | $1,150,000 | $71,875 |
| 7-8% | 5 | $635,000 | $127,000 |
During 2021, Oak Harbor's most frequently originated rate bucket was 2.5-3%, with 2,585 originations.
Loan Sizing (Oak Harbor, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,167 | $962,345,000 | $303,866 |
| $400k-600k | 1,654 | $791,360,000 | $478,452 |
| $100k-200k | 852 | $133,370,000 | $156,538 |
| $600k-1000k | 306 | $223,410,000 | $730,098 |
| $100,000 or less | 294 | $17,280,000 | $58,776 |
| $Over $1MM | 62 | $91,080,000 | $1,469,032 |
Oak Harbor's loan sizing saw the bucket of loans from $200k-400k with 3,167 originations, totaling $962,345,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 1,690 | $705,090,000 | $417,213 |
| 80-100% | 1,428 | $603,890,000 | $422,892 |
| 40-60% | 1,387 | $459,745,000 | $331,467 |
| 20-40% | 795 | $176,155,000 | $221,579 |
| Under 20% | 346 | $28,870,000 | $83,439 |
| Over 100% | 297 | $130,125,000 | $438,131 |
Oak Harbor's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,690 originations, totaling $705,090,000 in origination value.
Market Conditions (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 (7.0%) | $610,336 (12.9%) | 0.00 | 220 |
| 2018-02-01 | $399,475 (1.2%) | $607,437 (6.9%) | 0.00 | 213 |
| 2018-03-01 | $420,000 (5.0%) | $640,321 (9.6%) | 0.00 | 224 |
| 2018-04-01 | $429,500 (3.5%) | $631,232 (3.2%) | 0.00 | 254 |
| 2018-05-01 | $439,500 (2.9%) | $653,335 (-0.8%) | 0.00 | 249 |
| 2018-06-01 | $449,000 (5.2%) | $657,117 (3.7%) | 0.00 | 287 |
| 2018-07-01 | $454,500 (3.5%) | $654,328 (5.7%) | 0.00 | 327 |
| 2018-08-01 | $440,000 (0.1%) | $631,033 (5.6%) | 0.00 | 346 |
| 2018-09-01 | $437,000 (1.6%) | $617,236 (2.6%) | 0.00 | 361 |
| 2018-10-01 | $429,700 (1.8%) | $615,893 (4.5%) | 0.00 | 376 |
| 2018-11-01 | $429,450 (2.3%) | $629,276 (8.9%) | 0.00 | 348 |
| 2018-12-01 | $429,000 (4.9%) | $603,052 (3.8%) | 0.00 | 313 |
| 2019-01-01 | $404,925 (-1.2%) | $587,057 (-3.8%) | 0.00 | 303 |
| 2019-02-01 | $417,500 (4.5%) | $580,982 (-4.4%) | 0.00 | 268 |
| 2019-03-01 | $435,671 (3.7%) | $605,297 (-5.5%) | 0.00 | 274 |
| 2019-04-01 | $449,950 (4.8%) | $629,280 (-0.3%) | 0.00 | 294 |
| 2019-05-01 | $474,000 (7.9%) | $642,018 (-1.7%) | 0.00 | 320 |
| 2019-06-01 | $475,000 (5.8%) | $631,524 (-3.9%) | 0.00 | 342 |
| 2019-07-01 | $490,250 (7.9%) | $672,603 (2.8%) | 0.00 | 338 |
| 2019-08-01 | $482,814 (9.7%) | $661,020 (4.8%) | 0.00 | 353 |
| 2019-09-01 | $479,950 (9.8%) | $649,305 (5.2%) | 0.00 | 341 |
| 2019-10-01 | $485,000 (12.9%) | $641,269 (4.1%) | 0.00 | 366 |
| 2019-11-01 | $495,000 (15.3%) | $642,567 (2.1%) | 0.00 | 323 |
| 2019-12-01 | $479,950 (11.9%) | $634,041 (5.1%) | 0.00 | 266 |
| 2020-01-01 | $479,500 (18.4%) | $638,890 (8.8%) | 0.00 | 233 |
| 2020-02-01 | $489,000 (17.1%) | $642,232 (10.5%) | 0.00 | 205 |
| 2020-03-01 | $499,000 (14.5%) | $655,028 (8.2%) | 0.00 | 223 |
| 2020-04-01 | $499,450 (11.0%) | $628,680 (-0.1%) | 0.00 | 238 |
| 2020-05-01 | $529,700 (11.8%) | $681,114 (6.1%) | 0.00 | 224 |
| 2020-06-01 | $532,498 (12.1%) | $679,974 (7.7%) | 0.00 | 214 |
| 2020-07-01 | $547,450 (11.7%) | $716,611 (6.5%) | 0.00 | 206 |
| 2020-08-01 | $579,000 (19.9%) | $747,094 (13.0%) | 0.00 | 182 |
| 2020-09-01 | $569,725 (18.7%) | $780,137 (20.2%) | 0.00 | 168 |
| 2020-10-01 | $550,000 (13.4%) | $775,610 (21.0%) | 0.00 | 160 |
| 2020-11-01 | $592,475 (19.7%) | $862,591 (34.2%) | 0.00 | 104 |
| 2020-12-01 | $592,475 (23.5%) | $882,224 (39.1%) | 0.00 | 79 |
| 2021-01-01 | $595,000 (24.1%) | $849,669 (33.0%) | 0.00 | 58 |
| 2021-02-01 | $575,000 (17.6%) | $835,440 (30.1%) | 0.00 | 55 |
| 2021-03-01 | $587,000 (17.6%) | $819,707 (25.1%) | 0.00 | 56 |
| 2021-04-01 | $599,450 (20.0%) | $859,853 (36.8%) | 0.00 | 66 |
| 2021-05-01 | $599,000 (13.1%) | $853,650 (25.3%) | 0.00 | 80 |
| 2021-06-01 | $624,995 (17.4%) | $920,675 (35.4%) | 0.00 | 99 |
| 2021-07-01 | $658,500 (20.3%) | $901,381 (25.8%) | 0.00 | 107 |
| 2021-08-01 | $599,500 (3.5%) | $869,911 (16.4%) | 0.00 | 119 |
| 2021-09-01 | $621,975 (9.2%) | $875,778 (12.3%) | 0.00 | 106 |
| 2021-10-01 | $614,950 (11.8%) | $849,249 (9.5%) | 0.00 | 102 |
| 2021-11-01 | $686,500 (15.9%) | $916,584 (6.3%) | 0.00 | 74 |
| 2021-12-01 | $604,475 (2.0%) | $813,116 (-7.8%) | 0.00 | 60 |
| 2022-01-01 | $675,000 (13.5%) | $833,810 (-1.9%) | 0.00 | 41 |
| 2022-02-01 | $674,450 (17.3%) | $820,036 (-1.8%) | 0.00 | 41 |
| 2022-03-01 | $699,450 (19.2%) | $822,681 (0.4%) | 0.00 | 49 |
| 2022-04-01 | $665,000 (10.9%) | $817,867 (-4.9%) | 0.00 | 61 |
| 2022-05-01 | $692,500 (15.6%) | $815,281 (-4.5%) | 0.00 | 122 |
| 2022-06-01 | $729,750 (16.8%) | $867,088 (-5.8%) | 0.00 | 170 |
Oak Harbor's median listing price for 2022-06-01 was $729,750, a difference of
$104,755
(16.8%) versus the prior year and
$37,250 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 2022-06-01 was $867,088, a difference of $-53,587 (-5.8%) versus the prior year and $51,807 versus the prior month.
For the 2022-06-01 period, Oak Harbor had 170 MLS listings, a difference of 48 listings (39%) versus the prior month and 71 listings (72%) 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 2022-06-01 was $867,088, a difference of $-53,587 (-5.8%) versus the prior year and $51,807 versus the prior month.
For the 2022-06-01 period, Oak Harbor had 170 MLS listings, a difference of 48 listings (39%) versus the prior month and 71 listings (72%) 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 | 1,950 sqft |
| 2018-02-01 | 0 days | 2,016 sqft |
| 2018-03-01 | 0 days | 2,016 sqft |
| 2018-04-01 | 0 days | 1,993 sqft |
| 2018-05-01 | 0 days | 1,997 sqft |
| 2018-06-01 | 0 days | 2,039 sqft |
| 2018-07-01 | 0 days | 2,058 sqft |
| 2018-08-01 | 0 days | 2,015 sqft |
| 2018-09-01 | 0 days | 1,962 sqft |
| 2018-10-01 | 0 days | 1,948 sqft |
| 2018-11-01 | 0 days | 1,953 sqft |
| 2018-12-01 | 0 days | 1,872 sqft |
| 2019-01-01 | 0 days | 1,817 sqft |
| 2019-02-01 | 0 days | 1,805 sqft |
| 2019-03-01 | 0 days | 1,828 sqft |
| 2019-04-01 | 0 days | 1,874 sqft |
| 2019-05-01 | 0 days | 1,964 sqft |
| 2019-06-01 | 0 days | 1,980 sqft |
| 2019-07-01 | 0 days | 2,000 sqft |
| 2019-08-01 | 0 days | 1,980 sqft |
| 2019-09-01 | 0 days | 1,978 sqft |
| 2019-10-01 | 0 days | 1,960 sqft |
| 2019-11-01 | 0 days | 1,982 sqft |
| 2019-12-01 | 0 days | 1,875 sqft |
| 2020-01-01 | 0 days | 1,891 sqft |
| 2020-02-01 | 0 days | 1,903 sqft |
| 2020-03-01 | 0 days | 1,890 sqft |
| 2020-04-01 | 0 days | 1,908 sqft |
| 2020-05-01 | 0 days | 1,955 sqft |
| 2020-06-01 | 0 days | 1,887 sqft |
| 2020-07-01 | 0 days | 1,947 sqft |
| 2020-08-01 | 0 days | 1,997 sqft |
| 2020-09-01 | 0 days | 1,965 sqft |
| 2020-10-01 | 0 days | 1,964 sqft |
| 2020-11-01 | 0 days | 2,072 sqft |
| 2020-12-01 | 0 days | 1,996 sqft |
| 2021-01-01 | 0 days | 2,051 sqft |
| 2021-02-01 | 0 days | 1,984 sqft |
| 2021-03-01 | 0 days | 1,922 sqft |
| 2021-04-01 | 0 days | 2,049 sqft |
| 2021-05-01 | 0 days | 1,904 sqft |
| 2021-06-01 | 0 days | 1,944 sqft |
| 2021-07-01 | 0 days | 2,014 sqft |
| 2021-08-01 | 0 days | 1,984 sqft |
| 2021-09-01 | 0 days | 2,000 sqft |
| 2021-10-01 | 0 days | 2,010 sqft |
| 2021-11-01 | 0 days | 2,082 sqft |
| 2021-12-01 | 0 days | 1,946 sqft |
| 2022-01-01 | 0 days | 2,064 sqft |
| 2022-02-01 | 0 days | 1,928 sqft |
| 2022-03-01 | 0 days | 1,934 sqft |
| 2022-04-01 | 0 days | 1,844 sqft |
| 2022-05-01 | 0 days | 1,739 sqft |
| 2022-06-01 | 0 days | 1,915 sqft |
Oak Harbor's median listing age (time on market) for 2022-06-01 was 0 days.
Oak Harbor's median square footage for active listings during the 2022-06-01 period was 1,915 sqft. One year prior, the average listing was 1,944 sqft.
Oak Harbor's median square footage for active listings during the 2022-06-01 period was 1,915 sqft. One year prior, the average listing was 1,944 sqft.
