Mortgage lending in Franklin County
2,013 mortgages were originated in Franklin County, Washington, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $305,000
- Above the going rate (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
- Median home price
- $425,000
- That home, 20% down
- $340,000
A median-priced home with 20% down leaves $492,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
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, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers