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.

Loans originated

7,773

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)

0.201

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.