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
7.14%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.3% and
one month ago for the week of 2026-10-01, the
average rate was 7.14%.
Oak Harbor's average rate one year ago was 6.13%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.14%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Oak Harbor 30 Year Fixed Rate | 2026-11-05 | 7.14% |
| Oak Harbor 30 Year Fixed Rate Refi | 2026-11-05 | 7.14% |
| Oak Harbor 15 Year Fixed Rate | 2026-11-05 | 6.37% |
| Oak Harbor 15 Year Fixed Rate Refi | 2026-11-05 | 6.47% |
| Oak Harbor 30 Year FHA | 2026-11-05 | 6.85% |
| Oak Harbor 30 Year FHA Refi | 2026-11-05 | 7.13% |
| Oak Harbor 30 Year USDA | 2026-11-05 | 6.8% |
| Oak Harbor 30 Year USDA Refi | 2026-11-05 | 7% |
| Oak Harbor 30 Year VA | 2026-11-05 | 6.45% |
| Oak Harbor 30 Year VA Refi | 2026-11-05 | 6.13% |
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 112 lenders originated 2,506
loans during 2025. The total origination value was $1,001,640,000, with an average loan value of
$399,697.
Oak Harbor's average closing costs are $6,821.
The top Oak Harbor lender as defined by loan originations is QUICKEN LOANS, LLC, with
75 loans originated. Their average total fees are
$8,311, which is $306
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Oak Harbor lenders (with over 10 loans originated) are
Alaska USA Federal Credit Union ($4,449), GUARANTEED RATE, INC. ($5,188), Boeing Employees Credit Union ($5,608), U.S. Bank ($5,610) and NAVY FEDERAL CREDIT UNION ($5,613).
The lowest rate Oak Harbor lenders (with over 10 loans originated) are
Wells Fargo Bank (6.30%), GUILD MORTGAGE COMPANY (6.33%), Boeing Employees Credit Union (6.43%), JPMorgan Chase Bank (6.44%) and NAVY FEDERAL CREDIT UNION (6.46%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $56,475,000 | $84,290,000 | 49.3% | 8.4% |
| CMG MORTGAGE, INC. | $50,220,000 | $61,650,000 | 22.8% | 6.2% |
| QUICKEN LOANS, LLC | $40,190,000 | $58,950,000 | 46.7% | 5.9% |
| Boeing Employees Credit Union | $36,725,000 | $42,310,000 | 15.2% | 4.2% |
| GUILD MORTGAGE COMPANY | $49,005,000 | $39,400,000 | -19.6% | 3.9% |
| MOVEMENT MORTGAGE, LLC | $28,265,000 | $37,760,000 | 33.6% | 3.8% |
| NAVY FEDERAL CREDIT UNION | $37,830,000 | $36,340,000 | -3.9% | 3.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $11,065,000 | $29,350,000 | 165.3% | 2.9% |
| Mortgage Research Center, LLC | $18,255,000 | $29,200,000 | 60.0% | 2.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,545,000 | $24,900,000 | 98.5% | 2.5% |
| ENVOY MORTGAGE, LTD | $22,905,000 | $22,130,000 | -3.4% | 2.2% |
| Alaska USA Federal Credit Union | $19,525,000 | $21,320,000 | 9.2% | 2.1% |
| NEWREZ LLC | $7,840,000 | $18,180,000 | 131.9% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $11,395,000 | $17,970,000 | 57.7% | 1.8% |
| Banner Bank | $7,955,000 | $17,725,000 | 122.8% | 1.8% |
| Peoples Bank | $25,350,000 | $17,695,000 | -30.2% | 1.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $15,235,000 | $17,235,000 | 13.1% | 1.7% |
| U.S. Bank | $9,765,000 | $14,665,000 | 50.2% | 1.5% |
| Wells Fargo Bank | $3,195,000 | $14,005,000 | 338.3% | 1.4% |
| Bank of America | $7,830,000 | $13,385,000 | 70.9% | 1.3% |
| JPMorgan Chase Bank | $2,885,000 | $13,030,000 | 351.6% | 1.3% |
| FREEDOM MORTGAGE CORPORATION | $9,020,000 | $12,895,000 | 43.0% | 1.3% |
| Heritage Bank | $11,420,000 | $10,645,000 | -6.8% | 1.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $12,290,000 | $10,610,000 | -13.7% | 1.1% |
| Century Mortgage Company DBA Century Lending Company | $2,475,000 | $10,570,000 | 327.1% | 1.1% |
| GUARANTEED RATE, INC. | $5,535,000 | $10,170,000 | 83.7% | 1.0% |
| BROKER SOLUTIONS, INC. | $5,540,000 | $10,095,000 | 82.2% | 1.0% |
| LOANDEPOT.COM, LLC | $4,790,000 | $9,905,000 | 106.8% | 1.0% |
| CORNERSTONE HOME LENDING, INC. | $3,505,000 | $9,310,000 | 165.6% | 0.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,395,000 | $8,245,000 | 52.8% | 0.8% |
| The Loan Store, Inc. | $6,785,000 | $8,080,000 | 19.1% | 0.8% |
| Paramount Residential Mortgage Group, Inc. | $2,380,000 | $8,040,000 | 237.8% | 0.8% |
| Arbor Realty Trust, Inc. | $2,525,000 | $6,095,000 | 141.4% | 0.6% |
| Charles Schwab Bank, SSB | $3,265,000 | $5,810,000 | 77.9% | 0.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,770,000 | $5,660,000 | 104.3% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,315,000 | $5,370,000 | 1.0% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,575,000 | $5,285,000 | 47.8% | 0.5% |
| HomeStreet Bank | $1,480,000 | $5,145,000 | 247.6% | 0.5% |
| NFM, INC. | $3,695,000 | $4,875,000 | 31.9% | 0.5% |
| SAMMAMISH MORTGAGE COMPANY | $2,840,000 | $4,775,000 | 68.1% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $3,565,000 | $4,570,000 | 28.2% | 0.5% |
| 1st Security Bank of Washington | $2,705,000 | $4,535,000 | 67.7% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $2,895,000 | $4,375,000 | 51.1% | 0.4% |
| Stifel Bank and Trust | $660,000 | $4,150,000 | 528.8% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $1,485,000 | $4,120,000 | 177.4% | 0.4% |
| SCENIC OAKS FUNDING, INC. | $1,560,000 | $4,015,000 | 157.4% | 0.4% |
| USAA Federal Savings Bank | $3,015,000 | $3,915,000 | 29.9% | 0.4% |
| Washington Trust Bank | $4,355,000 | $3,890,000 | -10.7% | 0.4% |
| WHATCOM EDUCATIONAL CREDIT UNION | $1,545,000 | $3,890,000 | 151.8% | 0.4% |
| ALLIANT CREDIT UNION | $3,050,000 | $3,725,000 | 22.1% | 0.4% |
| OCMBC, INC. | $3,325,000 | n/a | 0.3% | |
| The Federal Savings Bank | $1,860,000 | $3,265,000 | 75.5% | 0.3% |
| Morgan Stanley Private Bank | $5,190,000 | $3,225,000 | -37.9% | 0.3% |
| Washington Federal Bank | $14,300,000 | $3,140,000 | -78.0% | 0.3% |
| KeyBank | $935,000 | $3,100,000 | 231.6% | 0.3% |
| SaviBank | $8,780,000 | $3,095,000 | -64.7% | 0.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $545,000 | $3,085,000 | 466.1% | 0.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $3,025,000 | n/a | 0.3% | |
| Cornerstone First Mortgage, Inc | $1,385,000 | $2,905,000 | 109.7% | 0.3% |
| NBKC BANK | $2,450,000 | $2,795,000 | 14.1% | 0.3% |
| LENDSURE MORTGAGE CORP. | $740,000 | $2,790,000 | 277.0% | 0.3% |
| First Federal Savings and Loan Association of Port Angeles | $875,000 | $2,775,000 | 217.1% | 0.3% |
| BAY EQUITY LLC | $5,360,000 | $2,760,000 | -48.5% | 0.3% |
| Carrington Mortgage Services, LLC | $2,075,000 | $2,535,000 | 22.2% | 0.3% |
| JMAC LENDING, INC. | $2,395,000 | n/a | 0.2% | |
| Raymond James Bank | $2,290,000 | n/a | 0.2% | |
| BMO Harris Bank | $95,000 | $2,200,000 | 2,215.8% | 0.2% |
| City National Bank | $2,120,000 | n/a | 0.2% | |
| Figure Lending LLC | $1,550,000 | $2,120,000 | 36.8% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $830,000 | $2,100,000 | 153.0% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $265,000 | $2,050,000 | 673.6% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $2,350,000 | $2,035,000 | -13.4% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $445,000 | $1,995,000 | 348.3% | 0.2% |
| NEXERA HOLDING LLC | $2,890,000 | $1,930,000 | -33.2% | 0.2% |
| Coastal Community Bank | $1,630,000 | $1,865,000 | 14.4% | 0.2% |
| Umpqua Bank | $2,985,000 | $1,830,000 | -38.7% | 0.2% |
| BETTER MORTGAGE CORPORATION | $355,000 | $1,710,000 | 381.7% | 0.2% |
| FIRST TECHNOLOGY | $950,000 | $1,700,000 | 78.9% | 0.2% |
| Citadel Servicing Corporation | $1,455,000 | $1,680,000 | 15.5% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $1,680,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $1,665,000 | n/a | 0.2% | |
| MEMBER FIRST MORTGAGE, LLC | $1,650,000 | n/a | 0.2% | |
| Citibank | $1,605,000 | n/a | 0.2% | |
| GESA | $1,920,000 | $1,605,000 | -16.4% | 0.2% |
| Merchants Mortgage & Trust Corporation | $1,500,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $895,000 | $1,490,000 | 66.5% | 0.1% |
| Mechanics Bank | $1,480,000 | n/a | 0.1% | |
| UBS Bank USA | $2,525,000 | $1,480,000 | -41.4% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $780,000 | $1,475,000 | 89.1% | 0.1% |
| First Federal Bank | $1,985,000 | $1,455,000 | -26.7% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $355,000 | $1,440,000 | 305.6% | 0.1% |
| SUMMIT FUNDING, INC. | $930,000 | $1,415,000 | 52.2% | 0.1% |
| INDUSTRIAL CU OF WHATCOM COUNTY | $1,410,000 | n/a | 0.1% | |
| Keystone Funding, Inc. | $1,410,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $995,000 | $1,385,000 | 39.2% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $635,000 | $1,370,000 | 115.7% | 0.1% |
| DIRECTORS MORTGAGE, INC. | $1,630,000 | $1,370,000 | -16.0% | 0.1% |
| Farmers Bank & Trust | $285,000 | $1,310,000 | 359.6% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $970,000 | $1,305,000 | 34.5% | 0.1% |
| Qualstar Credit Union | $855,000 | $1,265,000 | 48.0% | 0.1% |
| WASHINGTON STATE EMPLOYEES Credit Union | $4,885,000 | $1,235,000 | -74.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $740,000 | $1,200,000 | 62.2% | 0.1% |
| The Northern Trust Company | $1,190,000 | n/a | 0.1% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $450,000 | $1,180,000 | 162.2% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,145,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $1,055,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $1,020,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $1,000,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $500,000 | $990,000 | 98.0% | 0.1% |
| PLANET HOME LENDING, LLC | $1,270,000 | $985,000 | -22.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,250,000 | $975,000 | -22.0% | 0.1% |
| SOUND | $1,210,000 | $955,000 | -21.1% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,760,000 | $945,000 | -46.3% | 0.1% |
| Flagstar Bank, FSB | $2,000,000 | $945,000 | -52.8% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $315,000 | $940,000 | 198.4% | 0.1% |
| IDAHO CENTRAL | $105,000 | $940,000 | 795.2% | 0.1% |
| SPRING EQ, LLC | $305,000 | $940,000 | 208.2% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $45,000 | $915,000 | 1,933.3% | 0.1% |
| The Central Trust Bank | $915,000 | n/a | 0.1% | |
| GEORGIA'S OWN | $300,000 | $890,000 | 196.7% | 0.1% |
| NorthWest Plus Credit Union | $1,970,000 | $850,000 | -56.9% | 0.1% |
| Ameris Bank | $810,000 | n/a | 0.1% | |
| Sunflower Bank | $790,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $770,000 | n/a | 0.1% | |
| MEGASTAR FINANCIAL CORP. | $750,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $1,140,000 | $735,000 | -35.5% | 0.1% |
| STANFORD Federal Credit Union | $735,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $725,000 | n/a | 0.1% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $720,000 | n/a | 0.1% | |
| INTELLILOAN, INC. | $890,000 | $700,000 | -21.3% | 0.1% |
| Bank of Colorado | $605,000 | n/a | 0.1% | |
| Northpointe Bank | $575,000 | n/a | 0.1% | |
| Plains Commerce Bank | $535,000 | $575,000 | 7.5% | 0.1% |
| UNION HOME MORTGAGE CORP. | $375,000 | $575,000 | 53.3% | 0.1% |
| Commerce Home Mortgage, Inc. | $740,000 | $565,000 | -23.6% | 0.1% |
| NexBank | $655,000 | $555,000 | -15.3% | 0.1% |
| Florida Capital Bank | $545,000 | n/a | 0.1% | |
| Seattle Metropolitan Credit Union | $485,000 | $545,000 | 12.4% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $545,000 | $530,000 | -2.8% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,420,000 | $530,000 | -62.7% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $515,000 | $495,000 | -3.9% | 0.0% |
| PHH Mortgage Corporation | $870,000 | $480,000 | -44.8% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $995,000 | $465,000 | -53.3% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $455,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $3,685,000 | $445,000 | -87.9% | 0.0% |
| North American Savings Bank, F.S.B. | $355,000 | $445,000 | 25.4% | 0.0% |
| Sound Community Bank | $25,000 | $440,000 | 1,660.0% | 0.0% |
| Bell Bank | $435,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $475,000 | $435,000 | -8.4% | 0.0% |
| North Coast Credit Union | $790,000 | $435,000 | -44.9% | 0.0% |
| T2 FINANCIAL LLC | $860,000 | $435,000 | -49.4% | 0.0% |
| LOANPAL, LLC | $415,000 | n/a | 0.0% | |
| HARBORSTONE | $355,000 | $410,000 | 15.5% | 0.0% |
| FirstBank | $405,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $395,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,560,000 | $390,000 | -75.0% | 0.0% |
| Old National Bank | $325,000 | $385,000 | 18.5% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $385,000 | n/a | 0.0% | |
| Stride Bank | $385,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,310,000 | $375,000 | -71.4% | 0.0% |
| SALAL | $105,000 | $375,000 | 257.1% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $595,000 | $365,000 | -38.7% | 0.0% |
| S1L, Inc. | $315,000 | $345,000 | 9.5% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $335,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $790,000 | $335,000 | -57.6% | 0.0% |
| RBC Bank, (Georgia) | $315,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $265,000 | n/a | 0.0% | |
| HomeTrust Bank | $275,000 | $255,000 | -7.3% | 0.0% |
| GTE Federal Credit Union | $245,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $225,000 | $240,000 | 6.7% | 0.0% |
| HORIZON | $205,000 | n/a | 0.0% | |
| PNC Bank | $815,000 | $205,000 | -74.8% | 0.0% |
| KITSAP Credit Union | $200,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $185,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $45,000 | $175,000 | 288.9% | 0.0% |
| OnPoint Community Credit Union | $155,000 | n/a | 0.0% | |
| TWINSTAR | $155,000 | n/a | 0.0% | |
| Discover Bank | $585,000 | $125,000 | -78.6% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $105,000 | n/a | 0.0% | |
| Leader Bank | $105,000 | n/a | 0.0% | |
| Potlatch No. 1 Financial Credit Union | $105,000 | n/a | 0.0% | |
| Solarity Credit Union | $105,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $75,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| HAPO COMMUNITY CREDIT UNION | $55,000 | n/a | 0.0% | |
| VERITY | $375,000 | $55,000 | -85.3% | 0.0% |
Oak Harbor's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.4% market share. In second place, with 6.2%, is CMG MORTGAGE, INC., having originated $61,650,000 in loans. In third place, with 5.9%, is QUICKEN LOANS, LLC, having originated $58,950,000 in loans. In fourth place, with 4.2%, is Boeing Employees Credit Union, having originated $42,310,000 in loans. In fifth place, with 3.9%, is GUILD MORTGAGE COMPANY, having originated $39,400,000 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%) | $833,354 (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 | $799,250 (16.3%) | $1,042,486 (28.4%) | 0.00 | 178 |
| 2023-06-01 | $797,000 (11.8%) | $1,057,236 (24.0%) | 0.00 | 193 |
| 2023-07-01 | $750,000 (7.3%) | $1,022,061 (17.5%) | 0.00 | 202 |
| 2023-08-01 | $744,975 (-1.6%) | $991,910 (7.0%) | 0.00 | 203 |
| 2023-09-01 | $749,450 (-0.1%) | $951,454 (1.1%) | 0.00 | 209 |
| 2023-10-01 | $742,250 (5.4%) | $937,959 (3.1%) | 0.00 | 200 |
| 2023-11-01 | $693,000 (2.7%) | $885,347 (2.1%) | 0.00 | 204 |
| 2023-12-01 | $680,000 (4.6%) | $874,132 (1.5%) | 0.00 | 162 |
| 2024-01-01 | $708,500 (11.0%) | $879,363 (4.6%) | 0.00 | 136 |
| 2024-02-01 | $715,975 (8.8%) | $931,637 (11.8%) | 0.00 | 140 |
| 2024-03-01 | $765,000 (10.3%) | $975,416 (6.5%) | 0.00 | 148 |
| 2024-04-01 | $809,500 (13.6%) | $958,463 (-4.1%) | 0.00 | 222 |
| 2024-05-01 | $798,250 (-0.1%) | $973,484 (-6.6%) | 0.00 | 285 |
| 2024-06-01 | $875,000 (9.8%) | $1,038,341 (-1.8%) | 0.00 | 275 |
| 2024-07-01 | $839,500 (11.9%) | $1,032,733 (1.0%) | 0.00 | 296 |
| 2024-08-01 | $804,500 (8.0%) | $1,025,790 (3.4%) | 0.00 | 305 |
| 2024-09-01 | $822,750 (9.8%) | $1,052,275 (10.6%) | 0.00 | 300 |
| 2024-10-01 | $801,248 (8.0%) | $1,066,288 (13.7%) | 0.00 | 280 |
| 2024-11-01 | $750,000 (8.2%) | $1,119,270 (26.4%) | 0.00 | 255 |
| 2024-12-01 | $697,000 (2.5%) | $1,053,336 (20.5%) | 0.00 | 210 |
| 2025-01-01 | $697,000 (-1.6%) | $1,046,309 (19.0%) | 0.00 | 182 |
| 2025-02-01 | $712,950 (-0.4%) | $1,048,153 (12.5%) | 0.00 | 190 |
| 2025-03-01 | $715,000 (-6.5%) | $1,027,337 (5.3%) | 0.00 | 223 |
| 2025-04-01 | $746,536 (-7.8%) | $1,028,094 (7.3%) | 0.00 | 263 |
| 2025-05-01 | $799,000 (0.1%) | $1,102,913 (13.3%) | 0.00 | 345 |
| 2025-06-01 | $826,238 (-5.6%) | $1,119,896 (7.9%) | 0.00 | 388 |
| 2025-07-01 | $812,000 (-3.3%) | $1,121,989 (8.6%) | 0.00 | 433 |
| 2025-08-01 | $765,000 (-4.9%) | $1,101,654 (7.4%) | 0.00 | 427 |
| 2025-09-01 | $752,375 (-8.6%) | $1,058,170 (0.6%) | 0.00 | 420 |
| 2025-10-01 | $753,988 (-5.9%) | $1,060,426 (-0.6%) | 0.00 | 386 |
| 2025-11-01 | $764,950 (2.0%) | $1,036,331 (-7.4%) | 0.00 | 320 |
| 2025-12-01 | $718,750 (3.1%) | $1,042,677 (-1.0%) | 0.00 | 260 |
| 2026-01-01 | $719,500 (3.2%) | $1,013,740 (-3.1%) | 0.00 | 203 |
| 2026-02-01 | $721,000 (1.1%) | $1,040,077 (-0.8%) | 0.00 | 185 |
| 2026-03-01 | $794,500 (11.1%) | $1,086,244 (5.7%) | 0.00 | 216 |
| 2026-04-01 | $825,000 (10.5%) | $1,067,627 (3.9%) | 0.00 | 272 |
| 2026-05-01 | $824,950 (3.3%) | $1,066,270 (-3.3%) | 0.00 | 368 |
| 2026-06-01 | $799,238 (-3.3%) | $1,043,289 (-6.8%) | 0.00 | 422 |
| 2026-07-01 | $766,250 (-5.6%) | $1,031,391 (-8.1%) | 0.00 | 483 |
| 2026-08-01 | $755,000 (-1.3%) | $996,319 (-9.6%) | 0.00 | 504 |
| 2026-09-01 | $762,459 (1.3%) | $972,629 (-8.1%) | 0.00 | 474 |
| 2026-10-01 | $745,000 (-1.2%) | $963,224 (-9.2%) | 0.00 | 441 |
Oak Harbor's median listing price for 2026-10-01 was $745,000, a difference of
$-8,988
(-1.2%) versus the prior year and
$-17,459 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 2026-10-01 was $963,224, a difference of $-97,202 (-9.2%) versus the prior year and $-9,405 versus the prior month.
For the 2026-10-01 period, Oak Harbor had 441 MLS listings, a difference of -33 listings (-7%) versus the prior month and 55 listings (14%) 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 2026-10-01 was $963,224, a difference of $-97,202 (-9.2%) versus the prior year and $-9,405 versus the prior month.
For the 2026-10-01 period, Oak Harbor had 441 MLS listings, a difference of -33 listings (-7%) versus the prior month and 55 listings (14%) 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 | 1,995 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 | 1,936 sqft |
| 2019-06-01 | 0 days | 1,978 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 | 2,019 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 | 1,987 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 | 1,734 sqft |
| 2022-06-01 | 0 days | 1,894 sqft |
| 2022-07-01 | 0 days | 1,916 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 | 1,930 sqft |
| 2023-03-01 | 0 days | 2,043 sqft |
| 2023-04-01 | 0 days | 2,096 sqft |
| 2023-05-01 | 0 days | 2,024 sqft |
| 2023-06-01 | 0 days | 2,033 sqft |
| 2023-07-01 | 0 days | 2,021 sqft |
| 2023-08-01 | 0 days | 1,980 sqft |
| 2023-09-01 | 0 days | 1,987 sqft |
| 2023-10-01 | 0 days | 1,981 sqft |
| 2023-11-01 | 0 days | 1,915 sqft |
| 2023-12-01 | 0 days | 1,950 sqft |
| 2024-01-01 | 0 days | 2,010 sqft |
| 2024-02-01 | 0 days | 1,992 sqft |
| 2024-03-01 | 0 days | 2,011 sqft |
| 2024-04-01 | 0 days | 2,025 sqft |
| 2024-05-01 | 0 days | 2,082 sqft |
| 2024-06-01 | 0 days | 2,094 sqft |
| 2024-07-01 | 0 days | 2,139 sqft |
| 2024-08-01 | 0 days | 2,090 sqft |
| 2024-09-01 | 0 days | 2,105 sqft |
| 2024-10-01 | 0 days | 2,079 sqft |
| 2024-11-01 | 0 days | 2,009 sqft |
| 2024-12-01 | 0 days | 1,943 sqft |
| 2025-01-01 | 0 days | 1,965 sqft |
| 2025-02-01 | 0 days | 1,891 sqft |
| 2025-03-01 | 0 days | 1,847 sqft |
| 2025-04-01 | 0 days | 1,886 sqft |
| 2025-05-01 | 0 days | 1,972 sqft |
| 2025-06-01 | 0 days | 2,085 sqft |
| 2025-07-01 | 0 days | 2,077 sqft |
| 2025-08-01 | 0 days | 2,032 sqft |
| 2025-09-01 | 0 days | 2,025 sqft |
| 2025-10-01 | 0 days | 2,046 sqft |
| 2025-11-01 | 0 days | 2,072 sqft |
| 2025-12-01 | 0 days | 2,034 sqft |
| 2026-01-01 | 0 days | 2,080 sqft |
| 2026-02-01 | 0 days | 2,034 sqft |
| 2026-03-01 | 0 days | 2,111 sqft |
| 2026-04-01 | 0 days | 2,067 sqft |
| 2026-05-01 | 0 days | 2,083 sqft |
| 2026-06-01 | 0 days | 2,078 sqft |
| 2026-07-01 | 0 days | 2,029 sqft |
| 2026-08-01 | 0 days | 2,008 sqft |
| 2026-09-01 | 0 days | 2,022 sqft |
| 2026-10-01 | 0 days | 1,993 sqft |
Oak Harbor's median listing age (time on market) for 2026-10-01 was 0 days.
Oak Harbor's median square footage for active listings during the 2026-10-01 period was 1,993 sqft. One year prior, the average listing was 2,046 sqft.
Oak Harbor's median square footage for active listings during the 2026-10-01 period was 1,993 sqft. One year prior, the average listing was 2,046 sqft.
Oak Harbor, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,215 | $622,005,000 | $511,938 |
| Refi | 412 | $178,540,000 | $433,350 |
| Cash Out Refi | 362 | $118,950,000 | $328,591 |
| Home Improvement | 278 | $41,860,000 | $150,576 |
| Other | 236 | $39,300,000 | $166,525 |
| NA | 3 | $985,000 | $328,333 |
Oak Harbor's most frequently cited loan purpose was Home Purchase, with 1,215 originations. The 2nd most popular reason was Refi, with 412 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 988 | $470,850,000 | $476,569 |
| 5-6% | 596 | $295,410,000 | $495,654 |
| 7-8% | 456 | $148,130,000 | $324,846 |
| Over 8% | 370 | $56,110,000 | $151,649 |
| <2.5% | 34 | $3,650,000 | $107,353 |
| 4-5% | 19 | $9,805,000 | $516,053 |
| 2.5-3% | 16 | $6,260,000 | $391,250 |
| 3-4% | 8 | $2,460,000 | $307,500 |
During 2025, Oak Harbor's most frequently originated rate bucket was 6-7%, with 988 originations.
Loan Sizing (Oak Harbor, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 769 | $377,725,000 | $491,190 |
| $200k-400k | 617 | $187,805,000 | $304,384 |
| $600k-1000k | 368 | $265,900,000 | $722,554 |
| $100k-200k | 348 | $47,170,000 | $135,546 |
| $100,000 or less | 333 | $18,995,000 | $57,042 |
| $Over $1MM | 71 | $104,045,000 | $1,465,423 |
Oak Harbor's loan sizing saw the bucket of loans from $400k-600k with 769 originations, totaling $377,725,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 653 | $355,645,000 | $544,632 |
| Under 20% | 515 | $46,755,000 | $90,786 |
| 60-80% | 460 | $275,110,000 | $598,065 |
| 20-40% | 370 | $87,560,000 | $236,649 |
| 40-60% | 285 | $126,155,000 | $442,649 |
| Over 100% | 149 | $76,895,000 | $516,074 |
Oak Harbor's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 653 originations, totaling $355,645,000 in origination value.