Mortgage lending in Olympia-Lacey-Tumwater, WA
7,773 mortgages were originated in the Olympia-Lacey-Tumwater, WA area in 2025, and here is what they cost.
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
- 7,773
- Median rate
- 6.625%
- Median lender fees
- $6,530
- Median loan amount
- $365,000
- Median spread over APOR
- 0.201
- Paid discount points
- 42.3%
- Received lender credits
- 20.1%
- 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.
Who lent here
Lenders with at least 50 loans in the Olympia-Lacey-Tumwater, WA area, 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% |