Mortgage lending in Snohomish County
19,763 mortgages were originated in Snohomish 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
- 19,763
- Median rate
- 6.500%
- Median lender fees
- $6,067
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
- $455,000
- Above the going rate (spread over APOR)
- 0.130
- Paid discount points
- 36.1%
- Received lender credits
- 26.2%
- Purchases / refinances
- 45.8% / 33%
- Conventional / FHA / VA
- 87.6% / 7.4% / 4.9%
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 67.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,063,750
- FHA limit
- $1,063,750
- Median home price
- $925,000
- That home, 20% down
- $740,000
A median-priced home with 20% down leaves $323,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. 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 Snohomish County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Boeing Employees Credit Union | 3,261 | $4,397 | 6.125% |
| Rocket Mortgage, LLC | 1,261 | $4,655 | 6.625% |
| United Shore Financial Services, LLC | 1,173 | $7,823 | 6.240% |
| Crosscountry Mortgage, Inc. | 565 | $9,632 | 6.625% |
| CMG Mortgage, Inc. | 561 | $7,727 | 6.625% |
| Guild Mortgage Company | 558 | $6,963 | 6.625% |
| Bank of America, National Association | 543 | $4,989 | 5.990% |
| Movement Mortgage, LLC | 538 | $6,615 | 6.562% |
| U.S. Bank National Association | 514 | $5,193 | 6.250% |
| DHI Mortgage Company, Ltd. | 424 | $3,228 | 5.625% |
What lenders charged here
Lender fees on a $455,000 loan, based on what was actually charged in Snohomish County — not a rule of thumb.
From 13,263 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