Mortgage lending in Cowlitz County
3,302 mortgages were originated in Cowlitz County, Washington, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,302
- Median rate
- 6.875%
- Median lender fees
- $7,306
- Median loan amount
- $285,000
- Median spread over APOR
- 0.350
- Paid discount points
- 42.7%
- Received lender credits
- 21.3%
- Purchases / refinances
- 47.3% / 31.9%
- Conventional / FHA / VA
- 72.6% / 17.7% / 9.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cowlitz County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FIBRE | 466 | $5,067 | 7.500% |
| GUILD MORTGAGE COMPANY | 312 | $8,432 | 6.750% |
| RED CANOE CREDIT UNION | 255 | $391 | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 193 | $9,595 | 6.125% |
| Rocket Mortgage, LLC | 193 | $5,812 | 6.500% |
| DAS Acquisition Company, LLC | 122 | $12,835 | 6.625% |
| Fairway Independent Mortgage Corporation | 81 | $10,778 | 6.750% |
| CMG MORTGAGE, INC. | 68 | $8,572 | 6.625% |
| V.I.P. MORTGAGE, INC. | 61 | $11,737 | 6.250% |
| COLUMBIA COMMUNITY CREDIT UNION | 58 | — | 6.500% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Cowlitz County — not a rule of thumb.
From 2,299 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers