Mortgage lending in Thurston County
7,770 mortgages were originated in Thurston 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
- 7,770
- Median rate
- 6.625%
- Median lender fees
- $6,530
- Median loan amount
- $365,000
- Median spread over APOR
- 0.200
- Paid discount points
- 42.3%
- Received lender credits
- 20.2%
- Purchases / refinances
- 45.7% / 32.9%
- Conventional / FHA / VA
- 70% / 8.2% / 21.7%
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 71% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $586,500
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 Thurston County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 687 | — | 7.240% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 545 | $7,544 | 6.000% |
| GUILD MORTGAGE COMPANY | 537 | $8,991 | 6.500% |
| Rocket Mortgage, LLC | 525 | $4,550 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 286 | $9,590 | 6.575% |
| TWINSTAR | 283 | — | 7.500% |
| MOVEMENT MORTGAGE, LLC | 276 | $8,187 | 6.625% |
| O Bee Credit Union | 238 | — | 8.000% |
| Boeing Employees Credit Union | 224 | — | 6.490% |
| NEWREZ LLC | 211 | $7,764 | 6.125% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Thurston County — not a rule of thumb.
From 5,517 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