Washington · Q1 2026
What Washington borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 538 lenders.
Published 2026-04-29.
Washington · headline
The gap between Washington's lowest- and highest-cost ranked lenders in 2025 was $8,187 on a typical loan — borrowers using Evergreen Moneysource Mortgage Company paid roughly 378% more than borrowers using JPMorgan Chase Bank, N.A. on similar loans.
Source: FFIEC HMDA 2025 (n=118,803)
In 2025, 538 mortgage lenders originated 118,803 reportable loans in Washington according to FFIEC HMDA data. The median borrower paid $6,839 in total loan costs. That is 61.2% above the national median across all 50 states and DC.
Washington's median total loan cost was $6,839, 61.2% above the national median of $4,242. On a typical loan, that translates to roughly $2,597 more than borrowers paid in the average state.
JPMorgan Chase Bank, N.A. posted the lowest median total loan costs at $2,168, 68.3% below the Washington median. Across the ranked lenders, 9 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Washington are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $4,855 | $3,233 | 10,596 | A |
| 2 | United Wholesale Mortgage | $8,376 | $4,588 | 9,618 | C |
| 3 | Guild Mortgage | $7,927 | $4,780 | 5,443 | B |
| 4 | Movement Mortgage | $7,463 | $3,574 | 4,828 | A |
| 5 | CrossCountry Mortgage | $8,510 | $4,290 | 4,422 | C |
| 6 | CMG Financial | $8,073 | $4,310 | 4,307 | B |
| 7 | Boeing Employees Credit Union | $4,253 | $2,123 | 2,781 | A |
| 8 | Pennymac | $5,940 | $3,027 | 2,676 | A |
| 9 | Newrez | $6,014 | $2,614 | 2,618 | A |
| 10 | U.S. Bank National Association | $4,834 | $1,345 | 2,340 | A |
Washington median total loan cost
Washington borrowers paid a median $6,839 in total loan costs in 2025, based on 118,803 HMDA-reported loans across 538 lenders.
FFIEC HMDA 2025
Lender spread in Washington
In Washington, the gap between JPMorgan Chase Bank, N.A. ($2,168 median) and Evergreen Moneysource Mortgage Company ($10,355 median) was $8,187 on a typical 2025 loan.
FFIEC HMDA 2025
Washington vs. national
Washington closing costs ran 61.2% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Washington was $3,421, with the typical lender clustering tightly around that figure. Discount points appeared on 57% of loans, with a median paid amount of $3,436 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 36% of loans, with a median credit of $598.
Avg $5,069
Median $3,436 when present
Median $598 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Washington) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Washington
Take this further
Our consumer audits use the same HMDA-backed lender data that powers this report, plus state-level fee benchmarks. Catch inflated charges before you sign.
Fair Loan Check · from $19
Upload a Loan Estimate. We compare every fee against state benchmarks and the lender’s HMDA-reported medians.
Audit your Loan Estimate →Fair Closing Check · from $29
Upload your Closing Disclosure. We flag inflated and junk fees line-by-line and draft a negotiation email back to the lender.
Audit your Closing Disclosure →