Washington Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Washington averaged 6.97% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 6.82% and one month ago for the week of 2023-10-19, the average rate was 7.41%.

    Washington's average rate one year ago was 6.39%.

    For refis of the same type during the week of 2023-11-22, the average rate was 5.97%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Washington 30 Year Fixed Rate 2023-11-22 6.97%
    Washington 30 Year Fixed Rate Refi 2023-11-22 5.97%
    Washington 15 Year Fixed Rate 2023-11-22 6.14%
    Washington 15 Year Fixed Rate Refi 2023-11-22 5.21%
    Washington 30 Year FHA 2023-11-22 -0.04%
    Washington 30 Year FHA Refi 2023-11-22 -1.79%
    Washington 30 Year USDA 2023-11-22 -0.79%
    Washington 30 Year USDA Refi 2023-11-22 -0.2%
    Washington 30 Year VA 2023-11-22 -0.56%
    Washington 30 Year VA Refi 2023-11-22 -2.27%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Washington.

    Washington 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 Washington market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 6,639 4.65% $7,799
    CALIBER HOME LOANS, INC. 6,463 4.83% $6,826
    UNITED WHOLESALE MORTGAGE, LLC 4,598 4.90% $7,558
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4,265 4.93% $7,512
    Wells Fargo Bank 3,364 4.15% $4,421
    KeyBank 3,072 3.89% $6,500
    GUILD MORTGAGE COMPANY 3,028 4.95% $8,211
    Boeing Employees Credit Union 2,993 4.42% $4,885
    CROSSCOUNTRY MORTGAGE, LLC 2,604 5.22% $9,293
    LOANDEPOT.COM, LLC 2,489 4.20% $7,295
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2,473 4.91% $8,182
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2,403 5.11% $9,592
    JPMorgan Chase Bank 2,283 4.38% $5,464
    ACADEMY MORTGAGE CORPORATION 2,169 5.00% $10,094
    Umpqua Bank 2,144 4.55% $6,930
    U.S. Bank 2,019 4.31% $6,349
    MOVEMENT MORTGAGE, LLC 1,543 5.07% $8,614
    Bank of America 1,445 3.83% $5,925
    AMERICAN PACIFIC MORTGAGE CORPORATION 1,359 5.05% $9,472
    FINANCE OF AMERICA MORTGAGE LLC 1,230 4.76% $7,574
    CORNERSTONE HOME LENDING, INC. 1,188 5.01% $10,979
    HomeStreet Bank 1,171 4.49% $7,637
    PNC Bank 1,160 3.99% $6,111
    Flagstar Bank, FSB 1,086 4.51% $7,139
    FIRST TECHNOLOGY 1,069 4.00% $7,183
    BROKER SOLUTIONS, INC. 1,054 4.92% $8,711
    1st Security Bank of Washington 1,013 4.68% $9,861
    BAY EQUITY LLC 942 5.19% $8,835
    PENNYMAC LOAN SERVICES, LLC 911 4.20% $8,249
    Mr. Cooper ( Nationstar Mortgage ) 875 4.39% $10,098
    GESA 845 3.92% $6,293
    HOME POINT FINANCIAL CORPORATION 748 4.44% $7,262
    BETTER MORTGAGE CORPORATION 723 3.69% $6,286
    GUARANTEED RATE, INC. 702 4.75% $7,036
    Banner Bank 663 4.60% $7,636
    NFM, INC. 654 4.91% $8,717
    DHI MORTGAGE COMPANY, LTD. 637 4.25% $4,895
    SPOKANE TEACHERS 609 4.61% $5,942
    WASHINGTON STATE EMPLOYEES Credit Union 596 4.52% $3,741
    AMERISAVE MORTGAGE CORPORATION 592 4.21% $9,129
    MUFG Union Bank 579 4.12% $5,889
    EAGLE HOME MORTGAGE, LLC 568 4.61% $9,790
    PRIMELENDING, A PLAINSCAPITAL COMPANY 564 5.01% $9,445
    Hometown Lenders, Inc. 544 5.14% $8,349
    Washington Federal Bank 521 4.55% $12,625
    HOMESIDE FINANCIAL, LLC 499 5.03% $7,861
    CARDINAL FINANCIAL 499 4.71% $9,844
    PREMIER MORTGAGE RESOURCES, L.L.C. 484 5.21% $10,518
    Sunflower Bank 482 4.75% $6,170
    NAVY FEDERAL CREDIT UNION 463 4.61% $5,097
    Morgan Stanley Private Bank 452 3.82% $4,515
    PENRITH HOME LOANS LLC 452 4.98% $7,911
    Peoples Bank 451 4.81% $6,244
    Paramount Residential Mortgage Group, Inc. 450 5.13% $7,666
    CMG MORTGAGE, INC. 442 4.76% $8,458
    AXIA FINANCIAL, LLC 436 4.96% $9,554
    EVERETT FINANCIAL, INC. 422 5.30% $2,993
    FREEDOM MORTGAGE CORPORATION 416 4.52% $7,454
    Alaska USA Mortgage Company LLC 408 4.39% $5,927
    PRIMARY RESIDENTIAL MORTGAGE, INC. 405 4.98% $7,208
    Washington Trust Bank 398 4.39% $5,225
    NexBank 380 4.67% $8,345
    SUMMIT FUNDING, INC. 374 5.39% $7,941
    ENVOY MORTGAGE, LTD 361 4.99% $7,174
    NEWREZ LLC 356 4.33% $6,435
    CHURCHILL MORTGAGE CORPORATION 335 5.18% $7,157
    DIRECTORS MORTGAGE, INC. 331 4.95% $10,104
    PRIORITY HOME LENDING, LLC 316 4.97% $9,204
    MANN FINANCIAL INC. 313 5.05% $8,352
    SAMMAMISH MORTGAGE COMPANY 294 4.70% $8,208
    Sierra Pacific Mortgage Company, Inc. 286 4.69% $5,951
    NUMERICA CREDIT UNION 286 4.94% $7,141
    WHATCOM EDUCATIONAL CREDIT UNION 286 4.29% $4,556
    NBKC BANK 284 4.44% $4,503
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 280 4.36% $6,251
    LEADERONE FINANCIAL CORPORATION 275 5.10% $6,400
    PROVIDENT FUNDING ASSOCIATES, L.P. 266 4.44% $5,178
    First Republic Bank 254 3.60% $4,830
    Charles Schwab Bank, SSB 250 3.59% $5,428
    LAKEVIEW LOAN SERVICING, LLC 240 4.40% $4,953
    COLUMBIA COMMUNITY CREDIT UNION 236 4.57% $4,878
    OnPoint Community Credit Union 230 4.74% $4,168
    Glacier Bank 219 4.40% $8,993
    iQ Credit Union 208 4.52% $3,061
    Wheatland Bank 207 5.13% $6,523
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 204 5.28% $8,440
    Northpointe Bank 203 4.84% $8,284
    HOMEAMERICAN MORTGAGE CORPORATION 200 4.27% $2,313
    HAPO COMMUNITY CREDIT UNION 195 4.95% $6,154
    SUMMIT MORTGAGE CORPORATION 195 4.87% $6,830
    Willamette Valley Bank 194 4.93% $7,680
    S1L, Inc. 192 5.19% $6,994
    TWINSTAR 191 4.56% $3,220
    Columbia State Bank 187 4.55% $5,831
    Truist 178 4.72% $6,928
    MUTUAL OF OMAHA MORTGAGE, INC. 176 4.67% $6,630
    Solarity Credit Union 176 4.68% $4,113
    ZILLOW HOME LOANS, LLC 174 4.41% $6,100
    Citibank 174 3.82% $6,441
    CHERRY CREEK MORTGAGE, LLC 169 4.33% $1,722
    Sound Community Bank 168 4.87% $6,646
    Ally Bank 166 3.97% $7,414
    ON Q FINANCIAL, INC. 164 4.89% $8,859
    UBS Bank USA 157 3.79% $5,296
    Yakima Federal Savings and Loan Association 155 4.44% $5,448
    TRISTAR FINANCE, INC. 153 4.15% $6,506
    Gateway First Bank 152 4.89% $5,667
    MORTGAGE MASTER SERVICE CORPORATION 152 4.64% $8,205
    CU HOME MORTGAGE SOLUTIONS, LLC 147 4.49% $4,231
    Strong Home Mortgage, LLC 146 4.07% $3,625
    Olympia Federal Savings & Loan Association 143 3.88% $4,277
    Cashmere Valley Bank 140 4.99% $4,219
    Timberland Bank 139 4.65% $6,555
    First Home Bank 139 4.61% $8,569
    First-Citizens Bank & Trust Company 136 4.34% $7,908
    North American Savings Bank, F.S.B. 136 4.58% $4,873
    FIBRE FEDERAL CREDIT UNION 134 4.44% $5,110
    First National Bank of America 133 7.98% $13,101
    Luther Burbank Savings 131 4.55% $6,476
    First Federal Savings and Loan Association of Port Angeles 131 4.38% $5,184
    AMERICAN FINANCING CORPORATION 125 4.36% $6,846
    Wallick & Volk, Inc. 120 5.16% $7,344
    PENTAGON FEDERAL CREDIT UNION 118 3.60% $8,254
    INSPIRE HOME LOANS INC. 118 4.69% $11,775
    MORTGAGE EXPRESS, LLC 116 5.07% $6,027
    GENEVA FINANCIAL, LLC 116 5.22% $9,956
    RED CANOE CREDIT UNION 109 4.89% $6,766
    Prosperity Home Mortgage, LLC 107 5.07% $7,664
    SOUND 107 3.69% $3,600
    MLD MORTGAGE INC. 105 5.26% $7,600
    Seattle Metropolitan Credit Union 105 5.68% $6,531
    CANOPY MORTGAGE, LLC 104 4.39% $5,647
    TBI MORTGAGE COMPANY 103 4.04% $8,925
    Bank of the Pacific 103 4.59% $4,718
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 101 5.37% $8,448
    Victorian Finance, LLC 99 4.90% $6,587
    Citadel Servicing Corporation 98 6.64% $14,212
    PACIFIC RESIDENTIAL MORTGAGE, LLC 97 4.89% $8,609
    HSBC BANK USA, NATIONAL ASSOCIATION 97 4.02% $6,218
    HORIZON 96 5.30% $6,026
    Carrington Mortgage Services, LLC 91 4.54% $8,358
    Heritage Bank 90 4.99% $7,654
    BKCO MORTGAGE, LLC 90 5.23% $5,786
    Potlatch No. 1 Financial Credit Union 89 4.79% $4,391
    CITYWIDE HOME LOANS, LLC 89 5.19% $9,192
    ANGEL OAK MORTGAGE SOLUTIONS LLC 88 5.82% $11,904
    LADERA LENDING, INC. 84 4.41% $7,846
    Qualstar Credit Union 84 4.31% $4,190
    DAS Acquisition Company, LLC 84 5.07% $9,011
    NATIONS DIRECT MORTGAGE, LLC 83 5.25% $7,206
    Wyndham Capital Mortgage, Inc. 83 4.15% $3,480
    BNC National Bank 81 4.50% $5,841
    The Huntington National Bank 81 4.51% $7,957
    PLANET HOME LENDING, LLC 80 4.53% $7,950
    KBHS HOME LOANS, LLC 80 4.61% $8,028
    South Pacific Financial Corporation 80 4.64% $13,760
    PULTE MORTGAGE LLC 79 4.05% $3,388
    Mortgage Research Center, LLC 79 5.06% $5,971
    Stifel Bank and Trust 75 3.47% $3,978
    PHH Mortgage Corporation 74 4.13% $7,807
    NETWORK CAPITAL FUNDING CORPORATION 73 4.49% $8,323
    LPMC, LLC 72 5.19% $5,666
    SALAL 71 4.31% $6,243
    East West Bank 71 4.46% $7,411
    America's Credit Union 70 3.93% $4,651
    The Federal Savings Bank 69 4.69% $11,236
    MORTGAGE SOLUTIONS OF COLORADO, LLC 69 4.61% $12,103
    USAA Federal Savings Bank 68 5.33% $7,342
    FIRST CENTENNIAL MORTGAGE CORPORATION 67 4.81% $4,948
    AmeriHome Mortgage Company, LLC 65 4.65% $7,156
    T2 FINANCIAL LLC 63 4.94% $7,923
    NEXERA HOLDING LLC 63 7.31% $12,790
    Quontic Bank 62 6.41% $17,167
    AMCAP MORTGAGE, LTD. 62 5.38% $6,767
    Bank of the West 61 4.37% $6,393
    Bank of England 60 5.18% $8,520
    IDAHO CENTRAL 59 4.73% $5,799
    GUIDANCE RESIDENTIAL, LLC 59 5.34% $9,022
    KITSAP Credit Union 58 4.48% $6,718
    M&T Bank 57 4.02% $5,432
    Zions Bank 57 4.47% $5,410
    FirstBank 56 3.63% $3,492
    TJC Mortgage, Inc. 56 4.56% $8,904
    Goldwater Bank, N.A. 55 4.76% $11,290
    WESTWOOD MORTGAGE, INC. 55 5.01% $8,282
    Cathay Bank 54 4.87% $4,354
    GUARANTY HOME MORTGAGE CORPORATION 53 4.54% $6,700
    PREMIER LENDING, INC. 53 4.42% $6,255
    O BEE 53 4.66% $7,178
    KELLER MORTGAGE, LLC 52 4.27% $4,283
    MOUNTAIN AMERICA 52 6.00% $12,095
    Northwest Farm Credit Services, FLCA 52 4.99% $9,970
    Commerce Home Mortgage, Inc. 50 4.87% $9,387
    Alaska USA Federal Credit Union 49 4.78% $3,828
    City National Bank 49 3.64% $4,721
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 48 5.17% $5,332
    NorthWest Plus Credit Union 47 4.53% $6,786
    BMO Harris Bank 47 4.49% $5,991
    Third Federal Savings and Loan Association of Cleveland 46 2.99% $1,753
    Arvest Bank 45 4.24% $5,906
    MORTGAGE LENDING GROUP LLC 45 4.59% $9,030
    PREMIA MORTGAGE, LLC 45 5.09% $2,754
    CALCON MUTUAL MORTGAGE LLC 44 5.10% $12,273
    PLAZA HOME MORTGAGE, INC. 44 4.80% $9,449
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 43 4.34% $6,869
    Lakeview Community Capital, LLC 43 4.41% $6,023
    Goldman Sachs Bank USA 42 3.40% $5,942
    Austin Capital Bank SSB 41 4.90% $9,277
    HOMEXPRESS MORTGAGE CORP. 40 6.52% $14,103
    MASON MCDUFFIE MORTGAGE CORPORATION 39 5.23% $6,585
    Unitus Community Credit Union 39 4.47% $4,241
    NMSI, INC. 39 5.12% $7,822
    TOP FLITE FINANCIAL, INC. 38 5.25% $12,944
    Baker Boyer National Bank 38 4.56% $4,813
    SOFI LENDING CORP. 38 3.92% $6,338
    Citizens Bank 38 3.92% $4,703
    GSF Mortgage Corporation 38 4.67% $11,830
    ARC HOME LLC 38 5.32% $10,475
    SWBC MORTGAGE CORPORATION 37 4.48% $5,069
    Shea Mortgage Inc. 37 5.12% $5,478
    First Guaranty Mortgage Corporation 35 4.43% $7,752
    Silicon Valley Bank 35 3.11% $4,908
    V.I.P. MORTGAGE, INC. 34 4.79% $9,168
    LOANPAL, LLC 33 4.03% $10,238
    The Central Trust Bank 33 4.49% $4,333
    LENDSURE MORTGAGE CORP. 33 6.41% $16,287
    Devon Bank 33 5.34% $10,560
    First Savings Bank 33 4.58% $8,159
    BNY Mellon 32 3.65% $5,456
    ONY GLO, INC. 32 4.19% $5,417
    LAND HOME FINANCIAL SERVICES, INC. 31 5.06% $8,130
    Rivermark Community Credit Union 31 4.21% $5,508
    RESIDENTIAL BANCORP 31 4.34% $7,322
    ADVANTIS 31 4.69% $4,679
    HOMESTEAD FUNDING CORP. 31 4.13% $4,703
    Century Mortgage Company DBA Century Lending Company 31 5.18% $5,105
    AMERICAN INTERNET MORTGAGE, INC. 31 3.82% $5,883
    Bethpage Federal Credit Union 30 4.95% $5,635
    MEGASTAR FINANCIAL CORP. 30 4.60% $14,414
    Loan Simple, Inc. 30 5.28% $8,230
    First Interstate Bank 29 5.18% $5,644
    SECURITYNATIONAL MORTGAGE COMPANY 29 5.28% $6,813
    Summit Mortgage Corporation 29 5.92% $7,287
    Nations Lending Corporation 28 4.74% $8,701
    MICHIGAN MUTUAL, INC. 28 4.91% $6,621
    REDWOOD RESIDENTIAL ACQUISITION CORPORATION 28 4.23% $12,751
    ADVANCIAL 28 5.41% $8,483
    OCMBC, INC. 28 6.31% $14,870
    WINGS FINANCIAL 27 4.25% $4,251
    Plains Commerce Bank 27 4.88% $8,117
    UIF CORPORATION 26 4.75% $6,091
    GUARANTEED RATE AFFINITY, LLC 26 5.42% $4,253
    Discover Bank 25 4.56% $0
    Amerifirst Financial, Inc. 25 5.52% $5,559
    MORIA DEVELOPMENT, INC. 25 5.26% $7,831
    SIRVA MORTGAGE, INC. 25 5.14% $2,752
    Servion, Inc. 24 4.49% $5,577
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 24 5.59% $6,733
    NOVA FINANCIAL & INVESTMENT CORPORATION 24 5.46% $6,002
    UNITED MORTGAGE CORP 24 5.00% $8,587
    DIGITAL Federal Credit Union 24 3.91% $6,197
    FIRST CONTINENTAL MORTGAGE, LTD. 23 4.95% $7,022
    Watermark Capital, Inc. 23 4.00% $5,530
    MID AMERICA MORTGAGE, INC. 23 4.15% $5,747
    EMM LOANS LLC 23 4.52% $10,187
    Axos Bank 23 4.62% $8,835
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 22 4.62% $9,295
    RBC Bank, (Georgia) 22 4.89% $2,808
    PANORAMA MORTGAGE GROUP, LLC 22 6.07% $14,010
    STANFORD Federal Credit Union 21 4.29% $5,621
    ROYAL UNITED MORTGAGE LLC 20 5.54% $9,874
    VERITAS FUNDING, LLC 20 4.89% $11,884
    JMAC LENDING, INC. 20 4.37% $10,335
    Franklin Loan Corporation 20 5.50% $9,414
    Raymond James Bank 20 3.73% $4,600
    First Mortgage Solutions, LLC 19 3.76% $3,080
    Greenbox Loans, Inc. 19 7.69% $15,841
    RANLIFE, INC. 19 4.81% $8,600
    IMPAC MORTGAGE CORP. 17 4.94% $6,646
    NATIONS RELIABLE LENDING, LLC 17 4.91% $7,031
    CRESCENT MORTGAGE COMPANY 17 5.01% $5,993
    THRIVE MORTGAGE, LLC 17 5.14% $9,678
    DEEPHAVEN MORTGAGE LLC 17 6.92% $20,453
    ALLIANT CREDIT UNION 17 3.95% $4,497
    EMBRACE HOME LOANS, INC. 16 4.85% $5,476
    United Fidelity Funding Corp. 16 5.82% $19,169
    ANGEL OAK HOME LOANS LLC 16 6.20% $7,316
    HOME MORTGAGE ALLIANCE, LLC 15 5.33% $4,452
    Pacific NW Federal Credit Union 15 4.63% $5,027
    NP, Inc. 15 3.70% $4,125
    ATHAS CAPITAL GROUP, INC. 15 7.54% $16,001
    Barrington Bank & Trust Company, N.A. 14 5.01% $7,303
    NATIONAL COOPERATIVE BANK, N.A. 14 4.51% $4,043
    Platinum Home Mortgage Corporation 14 5.29% $8,320
    People's Community Federal Credit Union 14 3.48% $2,071
    STAR ONE CREDIT UNION 14 4.04% $4,461
    Toyota Financial Savings Bank 14 3.39% $8,146
    NATIONWIDE MORTGAGE BANKERS, INC. 13 5.35% $11,557
    UNION HOME MORTGAGE CORP. 13 5.29% $4,129
    NEW WAVE LENDING GROUP INC 13 5.13% $6,642
    DRAPER AND KRAMER MORTGAGE CORP. 13 4.31% $6,002
    The Loan Store, Inc. 13 3.94% $8,056
    Bank of Hope 12 4.21% $5,109
    TRIAD FINANCIAL SERVICES, INC. 12 6.27% $10,494
    STEARNS LENDING, LLC 12 3.17% $7,567
    Florida Capital Bank 12 3.38% $8,290
    Network Funding, L.P. 11 4.26% $6,320
    JMJ FINANCIAL GROUP 11 5.89% $11,023
    INTERCAP LENDING INC. 11 5.02% $5,501
    First Internet Bank of Indiana 11 4.47% $4,502
    SUN WEST MORTGAGE COMPANY, INC. 10 4.85% $7,939
    LENOX FINANCIAL MORTGAGE CORPORATION 10 4.84% $9,619
    Amalgamated Bank 10 3.95% $6,734
    NuVision Federal Credit Union 10 4.88% $7,634
    KINECTA 10 4.45% $20,392
    FUNDLOANS CAPITAL 10 6.61% $18,829
    PENINSULA COMMUNITY 10 4.89% $4,067
    US MORTGAGE CORPORATION 9 3.83% $6,419
    SOVEREIGN LENDING GROUP INCORPORATED 9 3.75% $6,994
    Magnolia Bank 9 5.04% $9,341
    Cornerstone First Mortgage, Inc 9 5.60% $11,897
    Evolve Bank & Trust 9 4.83% $4,956
    21ST MORTGAGE CORPORATION 9 7.31% $4,712
    CHEVRON 9 4.18% $6,437
    RELIANCE FIRST CAPITAL, LLC 9 4.67% $10,946
    Financial Funding Solutions, Inc. 8 2.95% $4,741
    VAN DYK MORTGAGE CORPORATION 8 4.97% $6,512
    Bell Bank 8 4.80% $7,076
    ML Mortgage Corp. 8 5.19% $9,003
    VISION ONE MORTGAGE, INC. 8 3.94% $6,649
    LOANLEADERS OF AMERICA, INC. 8 5.50% $10,088
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 8 4.83% $5,203
    Golden Empire Mortgage, Inc. 8 5.11% $7,593
    FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers 8 5.56% $7,308
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 8 4.67% $4,862
    BEST FINANCE CAPITAL, INC. 7 5.13% $11,134
    Armed Forces Bank 7 4.95% $3,762
    BLUELEAF LENDING, LLC 7 3.95% $10,890
    CIBC Bank USA 7 3.52% $6,152
    CITY FIRST MORTGAGE SERVICES, L.L.C. 7 5.38% $5,662
    Consolidated Federal Credit Union 7 4.84% $7,793
    GREENSTATE CREDIT UNION 7 5.73% $8,257
    Ixonia Bank 7 6.69% $9,562
    Kwik Mortgage Corporation 7 4.39% $7,602
    OAKTREE FUNDING CORP. 7 7.80% $20,124
    THRIVENT Federal Credit Union 7 3.77% $4,755
    U S WIDE FINANCIAL LLC 7 4.50% $2,385
    Waterstone Mortgage Corporation 7 5.34% $7,726
    Seattle Bank 6 3.92% $57,025
    Luxury Mortgage Corp. 6 5.75% $16,446
    TIB The Independent Bankersbank 6 4.38% $9,018
    Pacific Lending LLC 6 4.58% $7,660
    DELMAR FINANCIAL COMPANY 6 3.94% $4,500
    PIKE CREEK MORTGAGE SERVICES, INC. 6 3.14% $4,053
    Stride Bank 6 5.60% $6,947
    Chicago Financial Services, Inc. 6 4.50% $4,358
    MORTGAGE EQUITY PARTNERS LLC 6 4.69% $5,632
    Baxter Credit Union 6 5.10% $4,835
    JLB CORPORATION 6 4.15% $7,699
    FIRST COMMUNITY MORTGAGE, INC. 6 7.13% $10,991
    Firefighters First Federal Credit Union 6 4.27% $1,509
    Great Southern Bank 5 3.88% $4,667
    Colten Mortgage, LLC 5 3.85% $5,128
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 5 5.33% $5,476
    Academy Bank 5 4.30% $3,627
    American Mortgage & Equity Consultants, Inc. 5 5.15% $7,671
    Ameris Bank 5 5.33% $5,928
    CITIZENS EQUITY FIRST 5 4.08% $1,247
    Old National Bank 5 4.40% $3,925
    Christian Community Credit Union 5 4.03% $8,464
    Simmons Bank 5 5.18% $4,377
    First Western Trust Bank 5 5.53% $3,149
    F&A Federal Credit Union 5 4.15% $2,259
    HOME FUNDING CORPORATION 5 6.07% $12,747
    Opportunity Bank of Montana 5 5.70% $6,511
    MORTGAGE ACCESS CORP. 5 4.42% $4,948
    LANDED HOME LOANS LLC 4 5.59% $6,979
    Equity Prime Mortgage LLC 4 5.16% $9,527
    IVY MORTGAGE, INC. 4 4.13% $3,941
    ALLIED MORTGAGE GROUP, INC. 4 4.16% $9,115
    PLUS RELOCATION MORTGAGE, LLC 4 5.15% $8,899
    First Horizon Bank 4 4.34% $4,983
    Wauna Federal Credit Union 4 3.75% $8,349
    Semper Home Loans, Inc. 4 3.44% $5,170
    FBC MORTGAGE, LLC 4 4.16% $4,543
    Colonial Savings, F.A. 4 4.63% $7,092
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 5.50% $10,696
    CANOPY 4 5.22% $6,553
    AMERICAN ADVISORS GROUP 4 3.87% $4,277
    Midwest Community Bank 4 4.62% $4,534
    Deere Employees Credit Union 4 3.50% $3,489
    NORTHWEST COMMUNITY 4 5.84% $10,789
    BOKF 4 4.25% $3,899
    BEST CAPITAL FUNDING 4 4.37% $7,703
    MK LENDING CORP. 4 5.88% $15,717
    DIRECT MORTGAGE, CORP. 4 5.34% $9,307
    Ukrainian Federal Credit Union 4 3.69% $5,737
    CONTOUR MORTGAGE CORPORATION 4 4.47% $13,133
    Deseret First Credit Union 4 3.81% $6,454
    UMB Bank 4 3.66% $3,132
    The Northern Trust Company 4 4.63% $4,349
    COMMUNITY MORTGAGE FUNDING, LLC 4 4.09% $9,967
    FAY SERVICING, LLC 3 4.21% $6,667
    Pinnacle Bank 3 5.50% $6,107
    AHL FUNDING 3 5.88% $11,817
    Constant Investments, Inc. 3 5.63% $6,877
    MidFirst Bank 3 4.71% $8,592
    PREMIER AMERICA 3 4.08% $5,431
    MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 3 3.46% $7,829
    Cf Bank 3 3.67% $2,495
    BECKAM FUNDING CORP. 3 4.08% $6,172
    BAYSHORE MORTGAGE FUNDING, LLC 3 4.71% $9,274
    UNITED 3 5.00% $5,722
    United Nations Federal Credit Union 3 2.96% $8,003
    Bank of Idaho 3 5.66% $8,462
    FIRST COLONY MORTGAGE CORPORATION 3 5.92% $11,785
    AmRes Corporation 3 3.71% $4,013
    AMERICAN HERITAGE LENDING, INC. 3 5.71% $3,510
    WESCOM CENTRAL CREDIT UNION 3 3.63% $5,853
    ALAMEDA MORTGAGE CORPORATION 3 5.46% $8,722
    IAA Credit Union 3 4.04% $3,123
    Paramount Bank 3 5.17% $7,702
    Figure Lending LLC 3 3.92% $10,335
    Notre Dame Federal Credit Union Corporation 3 4.67% $5,735
    HighTechLending Inc 3 4.79% $7,522
    Utah Power 2 5.75% $6,129
    Dollar Bank, Federal Savings Bank 2 5.25% $6,233
    5TH STREET CAPITAL, INC. 2 6.06% $14,642
    Bank-Fund Staff Federal Credit Union 2 2.44% $3,949
    AMERICAN FINANCIAL RESOURCES, INC. 2 4.38% $13,766
    CHU & ASSOCIATES, INC. 2 4.93% $8,181
    Bank Iowa 2 5.50% $4,768
    UNITED SECURITY FINANCIAL CORP 2 6.13% $3,859
    UNIFY FINANCIAL Credit Union 2 3.99% $2,001
    The Camden National Bank 2 5.38% $4,312
    AIR ACADEMY 2 4.63% $5,132
    Low VA Rates, LLC 2 4.69% $5,046
    First International Bank & Trust 2 5.13% $8,755
    TRUWEST Credit Union 2 4.25% $3,575
    Gold Coast Bank 2 4.63% $3,137
    Mutual Federal Bank 2 3.88% $6,401
    South State Bank 2 5.69% $2,507
    Financial Partners Credit Union 2 4.00% $4,636
    RUOFF MORTGAGE COMPANY, INC. 2 4.38% $4,527
    City National Bank of Florida 2 4.31% $4,733
    Fifth Third Bank 2 4.44% $3,420
    LIBERTY HOME MORTGAGE CORPORATION 2 6.00% $7,860
    SeaTrust Mortgage Company 2 7.31% $7,715
    Truity Federal Credit Union 2 4.19% $9,272
    Clackamas Federal Credit Union 2 6.38% $6,147
    Capital Bank 2 5.50% $3,172
    TOTAL MORTGAGE SERVICES, LLC 2 4.00% $7,406
    SECURITY SERVICE 2 5.50% $3,458
    NBH Bank 2 4.56% $5,149
    OPEN MORTGAGE, LLC 2 3.44% $8,504
    INFINITY EQUITY GROUP, INC. 2 5.94% $4,195
    Metro City Bank 2 7.13% $8,467
    MORTGAGEONE, INC. 2 6.38% $4,769
    Signature Federal Credit Union 2 5.19% $7,024
    INTELLILOAN, INC. 2 3.69% $7,709
    THE MORTGAGE COMPANY 2 3.56% $4,796
    QUORUM FEDERAL CREDIT UNION 2 3.75% $3,885
    First Federal Bank 2 6.69% $8,389
    Aurora Financial, LLC 2 4.75% $2,486
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 5.53% $2,758
    FIRST COMMUNITY 2 4.44% $3,876
    ASSEMBLIES OF GOD Credit Union 2 5.13% $6,556
    Lend Smart Mortgage, LLC 2 5.25% $5,898
    First Bank 2 4.75% $4,745
    Elements Financial Federal Credit Union 2 4.25% $3,867
    VALLEY STRONG CREDIT UNION 2 4.31% $8,557
    MOUNTAIN WEST FINANCIAL, INC. 1 4.88% $3,535
    Neighborhood Loans, Inc. 1 5.75% $4,276
    MORTGAGE CAPITAL PARTNERS, INC. 1 4.63% $7,039
    NEW DAY FINANCIAL, LLC 1 5.88% $6,207
    NEW WEST LENDING, INC. 1 7.13% $8,320
    Meridian Bank Corporation 1 5.37% $5,538
    MAYO EMPLOYEES FEDERAL CREDIT UNION 1 5.13% $6,575
    NORTHROP GRUMMAN Federal Credit Union 1 3.75% $4,812
    Northwest Federal Credit Union 1 7.38% $2,885
    LEGEND LENDING CORPORATION 1 5.50% $10,064
    KEYPOINT 1 3.13% $33,437
    JUSTICE Federal Credit Union 1 4.00% $9,209
    ONE NEVADA CREDIT UNION 1 6.13% $2,863
    INROADS 1 6.50% $8,190
    Operating Engineers Local Union #3 1 3.00% $2,655
    OREGON COMMUNITY 1 7.13% $9,857
    OREGONIANS CREDIT UNION 1 3.25% $3,606
    Oregon State Credit Union 1 5.88% $7,196
    Orion Federal Credit Union 1 3.88% $2,958
    Independent Bank 1 4.50% $5,353
    I.L.W.U. CREDIT UNION 1 6.13% $2,600
    HONDA Federal Credit Union 1 3.13% $3,621
    Hometown Equity Mortgage, LLC 1 6.38% $8,156
    Heritage Bank 1 6.38% $13,184
    Peoples Bank 1 5.62% $9,631
    Great Western Bank 1 3.13% $2,792
    GREAT LAKES 1 5.25% $4,938
    GoPrime Mortgage, Inc. 1 3.63% $3,012
    GOOGAIN, INC. 1 5.63% $3,623
    GOLDEN WEST ALLIANCE, INC. 1 6.88% $7,454
    FRANKLIN MINT 1 5.25% $2,768
    FLAT BRANCH MORTGAGE, INC. 1 3.13% $2,586
    First United Bank and Trust Company 1 5.63% $6,408
    First United Bank 1 3.25% $4,140
    First State Bank 1 3.63% $3,394
    First Standard Financial Corp. 1 3.38% $3,758
    PROPONENT Federal Credit Union 1 3.63% $4,798
    First National Bank of Omaha 1 6.88% $1,410
    First National Bank 1 5.75% $4,081
    First National Bank 1 5.37% $2,953
    PURDUE FEDERAL CREDIT UNION 1 3.50% $4,246
    First Federal Savings Bank of Twin Falls 1 5.63% $4,381
    First Federal Bank of Kansas City 1 4.38% $5,367
    First American Bank 1 5.50% $6,810
    RESIDENTIAL MORTGAGE, LLC 1 5.99% $2,208
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.00% $4,781
    FineMark National Bank & Trust 1 5.00% $3,195
    Royal Credit Union 1 6.25% $14,909
    FIDELITY BANK 1 3.88% $3,844
    Fidelity Bank 1 5.50% $5,082
    SEA WEST COAST GUARD FEDERAL CREDIT UNION 1 2.69% $4,508
    Service Federal Credit Union 1 5.13% $6,979
    EVANSVILLE TEACHERS 1 2.88% $3,721
    Encompass Lending Group, LP 1 5.99% $7,428
    Southwest Airlines Federal Credit Union 1 4.50% $9,239
    SPOKANE FIREFIGHTERS CREDIT UNION 1 4.13% $5,095
    DATA MORTGAGE, INC. 1 3.38% $6,034
    Dacotah Bank 1 5.00% $6,762
    Cornerstone National Bank & Trust Company 1 4.63% $3,571
    State Department Federal Credit Union 1 5.00% $9,894
    S&T Bank 1 3.75% $3,056
    COMMUNITYAMERICA 1 4.63% $13,956
    Commerce Bank 1 5.88% $4,339
    City Bank 1 6.00% $4,950
    TEACHERS 1 4.00% $2,909
    TEXAS TECH 1 5.75% $6,294
    The Bank of New Glarus 1 5.88% $8,037
    Chickasaw Community Bank 1 5.63% $4,004
    The Park National Bank 1 4.75% $3,290
    The Union Bank Company 1 6.75% $13,311
    CHARTWAY FEDERAL CREDIT UNION 1 4.75% $5,137
    AFFINITY 1 5.88% $2,711
    CDC Federal Credit Union 1 4.88% $8,359
    CASTLE & COOKE MORTGAGE, LLC 1 5.25% $11,285
    Carrollton Bank 1 5.25% $4,361
    TOWER 1 3.25% $4,711
    CAMPOS FINANCIAL CORP. 1 3.63% $4,913
    Cache Valley Bank 1 5.38% $2,069
    BELEM SERVICING LLC 1 3.50% $13,165
    Bank of Utah 1 5.25% $10,638
    Bank of Springfield 1 6.25% $2,818
    Bank Forward 1 5.13% $8,204
    VANTAGE WEST 1 6.50% $3,139
    Bank First, N.A. 1 3.50% $957
    VILLAGE CAPITAL MORTGAGE 1 4.50% $8,291
    Assurance Financial Group, L.L.C. 1 6.25% $16,185
    AMWEST FUNDING CORP. 1 3.25% $356,859
    Warsaw Federal Savings and Loan Association 1 6.38% $3,113
    AMERICAN FINANCE HOUSE LARIBA 1 4.99% $7,487
    WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 5.88% $2,659
    WRIGHT-PATT CREDIT UNION, INC. 1 7.25% $2,863
    NASA Federal Credit Union 1 5.63% $6,905
    MYCUMORTGAGE, LLC 1 3.75% $4,533
    MOUNTAINCREST CREDIT UNION 1 3.63% $4,499

    Washington Average Closing Costs & Other Stats

    Washington's 565 lenders originated 235,688 loans during 2022. The total origination value was $163,076,670,000, with an average loan value of $691,918.

    Washington's average closing costs are $5,945.

    The top Washington lender as defined by loan originations is QUICKEN LOANS, LLC, with 6,639 loans originated. Their average total fees are $7,799, which is $973 higher than the next largest lender, CALIBER HOME LOANS, INC..

    The lowest fee Washington lenders (with over 10 loans originated) are Discover Bank ($0), CHERRY CREEK MORTGAGE, LLC ($1,722), Third Federal Savings and Loan Association of Cleveland ($1,753), People's Community Federal Credit Union ($2,071) and HOMEAMERICAN MORTGAGE CORPORATION ($2,313).

    The lowest rate Washington lenders (with over 10 loans originated) are Third Federal Savings and Loan Association of Cleveland (2.99%), Silicon Valley Bank (3.11%), STEARNS LENDING, LLC (3.17%), Florida Capital Bank (3.38%) and Toyota Financial Savings Bank (3.39%).

    Washington 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 $138,560,000 $61,851,695,000 44,538.9% 37.9%
    Boeing Employees Credit Union $5,165,280,000 $4,674,210,000 -9.5% 2.9%
    CALIBER HOME LOANS, INC. $12,033,170,000 $4,174,765,000 -65.3% 2.6%
    QUICKEN LOANS, LLC $11,753,535,000 $3,779,915,000 -67.8% 2.3%
    KeyBank $4,924,685,000 $3,766,230,000 -23.5% 2.3%
    Wells Fargo Bank $5,976,380,000 $3,429,675,000 -42.6% 2.1%
    UNITED WHOLESALE MORTGAGE, LLC $6,326,045,000 $3,257,000,000 -48.5% 2.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,118,785,000 $3,152,180,000 -55.7% 1.9%
    Umpqua Bank $4,058,215,000 $2,796,945,000 -31.1% 1.7%
    JPMorgan Chase Bank $4,832,955,000 $2,529,165,000 -47.7% 1.6%
    U.S. Bank $3,724,810,000 $2,373,775,000 -36.3% 1.5%
    CROSSCOUNTRY MORTGAGE, LLC $2,425,930,000 $2,195,915,000 -9.5% 1.3%
    GUILD MORTGAGE COMPANY $4,898,945,000 $1,980,930,000 -59.6% 1.2%
    Bank of America $3,115,640,000 $1,882,995,000 -39.6% 1.2%
    LOANDEPOT.COM, LLC $6,771,840,000 $1,800,700,000 -73.4% 1.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $3,383,545,000 $1,726,625,000 -49.0% 1.1%
    PNC Bank $1,634,520,000 $1,704,315,000 4.3% 1.0%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $3,001,970,000 $1,484,010,000 -50.6% 0.9%
    ACADEMY MORTGAGE CORPORATION $2,634,930,000 $1,414,940,000 -46.3% 0.9%
    HomeStreet Bank $2,275,940,000 $1,275,760,000 -43.9% 0.8%
    FIRST TECHNOLOGY $1,602,920,000 $1,192,380,000 -25.6% 0.7%
    MOVEMENT MORTGAGE, LLC $2,249,615,000 $1,058,000,000 -53.0% 0.6%
    Banner Bank $1,354,650,000 $999,275,000 -26.2% 0.6%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,995,325,000 $966,775,000 -51.5% 0.6%
    Washington Federal Bank $961,345,000 $953,315,000 -0.8% 0.6%
    PENNYMAC LOAN SERVICES, LLC $2,946,085,000 $846,735,000 -71.3% 0.5%
    CORNERSTONE HOME LENDING, INC. $1,811,135,000 $845,375,000 -53.3% 0.5%
    First Republic Bank $277,670,000 $827,410,000 198.0% 0.5%
    FINANCE OF AMERICA MORTGAGE LLC $2,291,630,000 $803,515,000 -64.9% 0.5%
    1st Security Bank of Washington $1,529,330,000 $770,620,000 -49.6% 0.5%
    Flagstar Bank, FSB $1,736,515,000 $758,675,000 -56.3% 0.5%
    MUFG Union Bank $632,510,000 $758,490,000 19.9% 0.5%
    Mortgage Research Center, LLC $1,173,550,000 $715,630,000 -39.0% 0.4%
    SPOKANE TEACHERS $879,055,000 $699,650,000 -20.4% 0.4%
    WALKER & DUNLOP, LLC $563,045,000 $697,380,000 23.9% 0.4%
    NAVY FEDERAL CREDIT UNION $931,760,000 $669,300,000 -28.2% 0.4%
    BROKER SOLUTIONS, INC. $1,350,775,000 $661,000,000 -51.1% 0.4%
    Citibank $698,155,000 $656,505,000 -6.0% 0.4%
    Washington Trust Bank $696,125,000 $623,525,000 -10.4% 0.4%
    BAY EQUITY LLC $826,785,000 $606,990,000 -26.6% 0.4%
    GESA $651,440,000 $595,275,000 -8.6% 0.4%
    FREEDOM MORTGAGE CORPORATION $2,882,085,000 $553,545,000 -80.8% 0.3%
    WASHINGTON STATE EMPLOYEES Credit Union $828,935,000 $547,740,000 -33.9% 0.3%
    GUARANTEED RATE, INC. $1,178,700,000 $526,795,000 -55.3% 0.3%
    HOME POINT FINANCIAL CORPORATION $2,390,675,000 $514,920,000 -78.5% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $1,313,300,000 $512,875,000 -60.9% 0.3%
    Morgan Stanley Private Bank $463,890,000 $511,380,000 10.2% 0.3%
    NUMERICA CREDIT UNION $576,345,000 $487,685,000 -15.4% 0.3%
    DHI MORTGAGE COMPANY, LTD. $592,025,000 $466,930,000 -21.1% 0.3%
    CMG MORTGAGE, INC. $629,575,000 $463,260,000 -26.4% 0.3%
    NFM, INC. $638,725,000 $444,090,000 -30.5% 0.3%
    Peoples Bank $5,120,000 $441,260,000 8,518.4% 0.3%
    BERKADIA COMMERCIAL MORTGAGE LLC $300,755,000 $425,110,000 41.3% 0.3%
    EAGLE HOME MORTGAGE, LLC $413,270,000 $416,115,000 0.7% 0.3%
    BETTER MORTGAGE CORPORATION $3,345,640,000 $406,355,000 -87.9% 0.2%
    Metropolitan Life Insurance Co $404,135,000 n/a 0.2%
    Columbia State Bank $417,795,000 $403,695,000 -3.4% 0.2%
    East West Bank $274,270,000 $397,150,000 44.8% 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,241,150,000 $386,720,000 -68.8% 0.2%
    AMERISAVE MORTGAGE CORPORATION $1,415,450,000 $373,345,000 -73.6% 0.2%
    First Federal Savings and Loan Association of Port Angeles $483,220,000 $364,720,000 -24.5% 0.2%
    Hometown Lenders, Inc. $407,710,000 $336,900,000 -17.4% 0.2%
    Paramount Residential Mortgage Group, Inc. $599,255,000 $335,880,000 -44.0% 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $551,765,000 $332,440,000 -39.7% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $690,540,000 $325,500,000 -52.9% 0.2%
    AXIA FINANCIAL, LLC $638,790,000 $310,520,000 -51.4% 0.2%
    Heritage Bank $1,290,000 $303,490,000 23,426.4% 0.2%
    Alaska USA Mortgage Company LLC $501,860,000 $301,135,000 -40.0% 0.2%
    Charles Schwab Bank, SSB $521,160,000 $298,040,000 -42.8% 0.2%
    PENRITH HOME LOANS LLC $646,635,000 $273,650,000 -57.7% 0.2%
    EVERETT FINANCIAL, INC. $89,075,000 $273,135,000 206.6% 0.2%
    iQ Credit Union $363,355,000 $271,685,000 -25.2% 0.2%
    WHATCOM EDUCATIONAL CREDIT UNION $451,465,000 $263,620,000 -41.6% 0.2%
    Luther Burbank Savings $157,760,000 $252,810,000<