Port Angeles Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Port Angeles averaged
6.8%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.83% and
one month ago for the week of 2025-05-15, the
average rate was 7%.
Port Angeles's average rate one year ago was 6.94%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.31%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Port Angeles 30 Year Fixed Rate | 2025-06-18 | 6.8% |
| Port Angeles 30 Year Fixed Rate Refi | 2025-06-18 | 7.31% |
| Port Angeles 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Port Angeles 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Port Angeles 30 Year FHA | 2025-06-18 | 0.04% |
| Port Angeles 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Port Angeles 30 Year USDA | 2025-06-18 | 0% |
| Port Angeles 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Port Angeles 30 Year VA | 2025-06-18 | -0.04% |
| Port Angeles 30 Year VA Refi | 2025-06-18 | 0% |
Port Angeles 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 Port Angeles, 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.).
Port Angeles Average Closing Costs & Other Stats
Port Angeles, WA's 90 lenders originated 1,445
loans during 2024. The total origination value was $460,645,000, with an average loan value of
$318,785.
Port Angeles's average closing costs are $5,864.
The top Port Angeles lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
53 loans originated. Their average total fees are
$8,009, which is $563
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Port Angeles lenders (with over 10 loans originated) are
JPMorgan Chase Bank ($5,061), Boeing Employees Credit Union ($5,197), Sound Community Bank ($5,666), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($5,978) and NEWREZ LLC ($6,586).
The lowest rate Port Angeles lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.56%), U.S. Bank (6.63%), HOMESIDE FINANCIAL, LLC (6.64%), UNITED WHOLESALE MORTGAGE, LLC (6.64%) and Boeing Employees Credit Union (6.68%).
Port Angeles, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $31,040,000 | $36,980,000 | 19.1% | 8.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $22,015,000 | $34,310,000 | 55.8% | 7.4% |
| QUICKEN LOANS, LLC | $16,480,000 | $29,110,000 | 76.6% | 6.3% |
| NEWREZ LLC | $9,810,000 | $23,320,000 | 137.7% | 5.1% |
| First Federal Savings and Loan Association of Port Angeles | $28,130,000 | $22,045,000 | -21.6% | 4.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $10,820,000 | $20,115,000 | 85.9% | 4.4% |
| Sound Community Bank | $18,990,000 | $15,820,000 | -16.7% | 3.4% |
| CARDINAL FINANCIAL | $43,960,000 | $15,620,000 | -64.5% | 3.4% |
| CANOPY MORTGAGE, LLC | $14,340,000 | n/a | 3.1% | |
| Flagstar Bank, FSB | $5,555,000 | $13,370,000 | 140.7% | 2.9% |
| Boeing Employees Credit Union | $9,865,000 | $9,975,000 | 1.1% | 2.2% |
| U.S. Bank | $6,710,000 | $9,845,000 | 46.7% | 2.1% |
| MOVEMENT MORTGAGE, LLC | $6,205,000 | $8,530,000 | 37.5% | 1.9% |
| Washington Federal Bank | $4,285,000 | $7,115,000 | 66.0% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $3,200,000 | $6,995,000 | 118.6% | 1.5% |
| 1st Security Bank of Washington | $4,500,000 | $6,355,000 | 41.2% | 1.4% |
| JPMorgan Chase Bank | $3,545,000 | $6,140,000 | 73.2% | 1.3% |
| NAVY FEDERAL CREDIT UNION | $6,435,000 | $6,110,000 | -5.1% | 1.3% |
| WALKER & DUNLOP, LLC | $5,655,000 | n/a | 1.2% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $4,105,000 | $5,595,000 | 36.3% | 1.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $6,825,000 | $5,590,000 | -18.1% | 1.2% |
| BROKER SOLUTIONS, INC. | $4,045,000 | $5,505,000 | 36.1% | 1.2% |
| HOMESIDE FINANCIAL, LLC | $5,240,000 | n/a | 1.1% | |
| USAA Federal Savings Bank | $945,000 | $5,015,000 | 430.7% | 1.1% |
| Wells Fargo Bank | $2,390,000 | $5,000,000 | 109.2% | 1.1% |
| SOUND | $1,460,000 | $4,795,000 | 228.4% | 1.0% |
| Mortgage Research Center, LLC | $4,245,000 | $4,765,000 | 12.2% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $1,450,000 | $4,700,000 | 224.1% | 1.0% |
| CMG MORTGAGE, INC. | $2,400,000 | $4,525,000 | 88.5% | 1.0% |
| GUILD MORTGAGE COMPANY | $3,425,000 | $4,455,000 | 30.1% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $435,000 | $3,125,000 | 618.4% | 0.7% |
| HomeStreet Bank | $965,000 | $3,120,000 | 223.3% | 0.7% |
| AMERICAN FINANCIAL NETWORK, INC. | $285,000 | $3,070,000 | 977.2% | 0.7% |
| KeyBank | $4,110,000 | $2,985,000 | -27.4% | 0.6% |
| The Loan Store, Inc. | $1,000,000 | $2,740,000 | 174.0% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,580,000 | n/a | 0.6% | |
| Umpqua Bank | $1,700,000 | $2,410,000 | 41.8% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $2,000,000 | $2,390,000 | 19.5% | 0.5% |
| HOMEXPRESS MORTGAGE CORP. | $2,265,000 | n/a | 0.5% | |
| BAY EQUITY LLC | $985,000 | $2,190,000 | 122.3% | 0.5% |
| WASHINGTON STATE EMPLOYEES Credit Union | $3,400,000 | $2,150,000 | -36.8% | 0.5% |
| GESA | $440,000 | $2,080,000 | 372.7% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $1,825,000 | $2,080,000 | 14.0% | 0.5% |
| LOANDEPOT.COM, LLC | $2,005,000 | $2,065,000 | 3.0% | 0.4% |
| Cornerstone First Mortgage, Inc | $2,055,000 | n/a | 0.4% | |
| SAMMAMISH MORTGAGE COMPANY | $1,565,000 | $2,010,000 | 28.4% | 0.4% |
| T2 FINANCIAL LLC | $820,000 | $2,005,000 | 144.5% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,520,000 | $1,980,000 | -69.6% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $2,145,000 | $1,905,000 | -11.2% | 0.4% |
| BMO Harris Bank | $1,150,000 | $1,885,000 | 63.9% | 0.4% |
| Banner Bank | $1,395,000 | $1,800,000 | 29.0% | 0.4% |
| Wallick & Volk, Inc. | $480,000 | $1,720,000 | 258.3% | 0.4% |
| 21ST MORTGAGE CORPORATION | $960,000 | $1,635,000 | 70.3% | 0.4% |
| CALCON MUTUAL MORTGAGE LLC | $1,535,000 | n/a | 0.3% | |
| Bank of America | $3,735,000 | $1,430,000 | -61.7% | 0.3% |
| Kitsap Bank | $1,145,000 | $1,415,000 | 23.6% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,405,000 | n/a | 0.3% | |
| Alaska USA Federal Credit Union | $1,215,000 | $1,390,000 | 14.4% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $890,000 | $1,365,000 | 53.4% | 0.3% |
| LENDSURE MORTGAGE CORP. | $1,295,000 | n/a | 0.3% | |
| O BEE | $205,000 | $1,215,000 | 492.7% | 0.3% |
| Figure Lending LLC | $555,000 | $1,165,000 | 109.9% | 0.3% |
| Equity Prime Mortgage LLC | $1,145,000 | n/a | 0.2% | |
| Timberland Bank | $1,080,000 | $1,120,000 | 3.7% | 0.2% |
| Plains Commerce Bank | $415,000 | $1,115,000 | 168.7% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $750,000 | $1,050,000 | 40.0% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,170,000 | $1,010,000 | -68.1% | 0.2% |
| Olympia Federal Savings & Loan Association | $995,000 | n/a | 0.2% | |
| Glacier Bank | $975,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $965,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $950,000 | n/a | 0.2% | |
| NEXERA HOLDING LLC | $815,000 | $845,000 | 3.7% | 0.2% |
| ALLIANT CREDIT UNION | $620,000 | $840,000 | 35.5% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $205,000 | $825,000 | 302.4% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $780,000 | n/a | 0.2% | |
| HAPO COMMUNITY CREDIT UNION | $765,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $235,000 | $745,000 | 217.0% | 0.2% |
| NuVision Federal Credit Union | $745,000 | n/a | 0.2% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $785,000 | $745,000 | -5.1% | 0.2% |
| Discover Bank | $495,000 | $740,000 | 49.5% | 0.2% |
| Servion, Inc. | $155,000 | $740,000 | 377.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $720,000 | n/a | 0.2% | |
| PNC Bank | $85,000 | $715,000 | 741.2% | 0.2% |
| Logan Finance Corporation | $685,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $655,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $625,000 | n/a | 0.1% | |
| First National Bank of America | $600,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $540,000 | $600,000 | 11.1% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $710,000 | $595,000 | -16.2% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $565,000 | n/a | 0.1% | |
| Service Federal Credit Union | $535,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $525,000 | $530,000 | 1.0% | 0.1% |
| Royal Credit Union | $515,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $305,000 | $510,000 | 67.2% | 0.1% |
| PREMIER AMERICA | $505,000 | n/a | 0.1% | |
| Brighton Bank | $485,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $485,000 | n/a | 0.1% | |
| KITSAP Credit Union | $1,415,000 | $485,000 | -65.7% | 0.1% |
| The Federal Savings Bank | $640,000 | $485,000 | -24.2% | 0.1% |
| Presidential Bank, FSB | $475,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $655,000 | $470,000 | -28.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $445,000 | n/a | 0.1% | |
| Ally Bank | $435,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $225,000 | $425,000 | 88.9% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $415,000 | n/a | 0.1% | |
| Peoples Bank | $245,000 | $400,000 | 63.3% | 0.1% |
| DAS Acquisition Company, LLC | $1,090,000 | $395,000 | -63.8% | 0.1% |
| Solarity Credit Union | $395,000 | n/a | 0.1% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $385,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $550,000 | $375,000 | -31.8% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $375,000 | n/a | 0.1% | |
| WHATCOM EDUCATIONAL CREDIT UNION | $300,000 | $375,000 | 25.0% | 0.1% |
| NBKC BANK | $185,000 | $365,000 | 97.3% | 0.1% |
| TJC Mortgage, Inc. | $365,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $695,000 | $360,000 | -48.2% | 0.1% |
| Morgan Stanley Private Bank | $760,000 | $355,000 | -53.3% | 0.1% |
| UBS Bank USA | $355,000 | n/a | 0.1% | |
| PENINSULA COMMUNITY | $210,000 | $350,000 | 66.7% | 0.1% |
| GENEVA FINANCIAL, LLC | $345,000 | n/a | 0.1% | |
| GTE Federal Credit Union | $345,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $345,000 | n/a | 0.1% | |
| Zions Bank | $365,000 | $345,000 | -5.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,400,000 | $335,000 | -76.1% | 0.1% |
| FIRST TECHNOLOGY | $1,715,000 | $335,000 | -80.5% | 0.1% |
| SCENIC OAKS FUNDING, INC. | $335,000 | n/a | 0.1% | |
| Nations Lending Corporation | $385,000 | $330,000 | -14.3% | 0.1% |
| SPOKANE TEACHERS | $330,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $110,000 | $310,000 | 181.8% | 0.1% |
| MERCO Credit Union | $305,000 | n/a | 0.1% | |
| Ameris Bank | $295,000 | n/a | 0.1% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $840,000 | $295,000 | -64.9% | 0.1% |
| MORTGAGEONE, INC. | $295,000 | n/a | 0.1% | |
| Northwest Farm Credit Services, FLCA | $290,000 | n/a | 0.1% | |
| FIBRE FEDERAL CREDIT UNION | $285,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $275,000 | n/a | 0.1% | |
| RED CANOE CREDIT UNION | $1,925,000 | $270,000 | -86.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $245,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $105,000 | $235,000 | 123.8% | 0.1% |
| PLANET HOME LENDING, LLC | $55,000 | $230,000 | 318.2% | 0.0% |
| Carrington Mortgage Services, LLC | $225,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $225,000 | n/a | 0.0% | |
| First Financial Northwest Bank | $215,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $205,000 | n/a | 0.0% | |
| HighTechLending Inc | $195,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $1,160,000 | $195,000 | -83.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $305,000 | $185,000 | -39.3% | 0.0% |
| Cashmere Valley Bank | $175,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $165,000 | n/a | 0.0% | |
| Rivermark Community Credit Union | $160,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $155,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $155,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $155,000 | n/a | 0.0% | |
| Texana Bank | $155,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $135,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,290,000 | $130,000 | -94.3% | 0.0% |
| OnPoint Community Credit Union | $1,280,000 | $125,000 | -90.2% | 0.0% |
| Commerce Home Mortgage, Inc. | $105,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $85,000 | n/a | 0.0% | |
| HomeTrust Bank | $790,000 | $85,000 | -89.2% | 0.0% |
| Lakeview Community Capital, LLC | $35,000 | $85,000 | 142.9% | 0.0% |
| TWINSTAR | $85,000 | n/a | 0.0% | |
| Pacific NW Federal Credit Union | $45,000 | n/a | 0.0% | |
| HORIZON | $35,000 | n/a | 0.0% |
Port Angeles's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.0% market share. In second place, with 7.4%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $34,310,000 in loans. In third place, with 6.3%, is QUICKEN LOANS, LLC, having originated $29,110,000 in loans. In fourth place, with 5.1%, is NEWREZ LLC, having originated $23,320,000 in loans. In fifth place, with 4.8%, is First Federal Savings and Loan Association of Port Angeles, having originated $22,045,000 in loans.
Port Angeles, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 844 | $331,020,000 | $392,204 |
| Cash Out Refi | 214 | $48,850,000 | $228,271 |
| Refi | 153 | $55,615,000 | $363,497 |
| Other | 130 | $15,390,000 | $118,385 |
| Home Improvement | 104 | $9,770,000 | $93,942 |
Port Angeles's most frequently cited loan purpose was Home Purchase, with 844 originations. The 2nd most popular reason was Cash Out Refi, with 214 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 527 | $201,725,000 | $382,780 |
| 7-8% | 336 | $117,630,000 | $350,089 |
| Over 8% | 259 | $35,205,000 | $135,927 |
| 5-6% | 185 | $74,015,000 | $400,081 |
| <2.5% | 23 | $335,000 | $14,565 |
| 4-5% | 17 | $6,885,000 | $405,000 |
| 3-4% | 1 | $515,000 | $515,000 |
During 2024, Port Angeles's most frequently originated rate bucket was 6-7%, with 527 originations.
Loan Sizing (Port Angeles, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 544 | $165,200,000 | $303,676 |
| $400k-600k | 324 | $155,520,000 | $480,000 |
| $100,000 or less | 242 | $13,170,000 | $54,421 |
| $100k-200k | 224 | $32,150,000 | $143,527 |
| $600k-1000k | 99 | $71,745,000 | $724,697 |
| $Over $1MM | 12 | $22,860,000 | $1,905,000 |
Port Angeles's loan sizing saw the bucket of loans from $200k-400k with 544 originations, totaling $165,200,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 443 | $184,605,000 | $416,716 |
| 60-80% | 315 | $133,015,000 | $422,270 |
| Under 20% | 215 | $14,515,000 | $67,512 |
| 20-40% | 171 | $30,035,000 | $175,643 |
| 40-60% | 157 | $53,275,000 | $339,331 |
| Over 100% | 20 | $11,590,000 | $579,500 |
Port Angeles's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 443 originations, totaling $184,605,000 in origination value.