Mortgage lending in Franklin County
2,013 mortgages were originated in Franklin 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
- 2,013
- Median rate
- 6.625%
- Median lender fees
- $7,417
- Median loan amount
- $305,000
- Median spread over APOR
- 0.319
- Paid discount points
- 45.9%
- Received lender credits
- 19.8%
- Purchases / refinances
- 53.5% / 28.2%
- Conventional / FHA / VA
- 74.4% / 19% / 6.1%
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 73.4% 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 Franklin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GESA | 240 | $4,188 | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 121 | $9,523 | 6.125% |
| 1st Security Bank of Washington | 119 | $13,161 | 6.125% |
| Rocket Mortgage, LLC | 113 | $6,735 | 6.625% |
| CMG MORTGAGE, INC. | 108 | $7,736 | 6.500% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 98 | $10,554 | 6.375% |
| NUMERICA CREDIT UNION | 91 | — | 8.000% |
| Umpqua Bank | 70 | — | 7.000% |
| DHI MORTGAGE COMPANY, LTD. | 59 | $8,242 | 5.500% |
| HAPO COMMUNITY CREDIT UNION | 58 | $795 | 7.375% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Franklin County — not a rule of thumb.
From 1,478 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