Mortgage lending in Thurston County
7,770 mortgages were originated in Thurston 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
- 7,770
- Median rate
- 6.625%
- Median lender fees
- $6,530
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
- $365,000
- Above the going rate (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
- Median home price
- $510,000
- That home, 20% down
- $408,000
A median-priced home with 20% down leaves $424,750 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 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, 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