Purchase Originations
119
Median Total Costs
$7,097
+6.2% vs national ($6,680)
↑ $477 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,070
Median Lender Credits
$100
Denial Rate
6.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.375% | $7,097 | $3,070 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 119 | 6.375% | $7,097 | #97 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,210 | 6.000% | — | 75 | −$887 | |
| 2 | $6,337 | 6.188% | — | 14 | −$760 | |
| 3 | $7,033 | 5.500% | — | 1 | −$64 | |
| 4 | $7,502 | 6.750% | — | 6 | +$405 | |
| 5 | $8,086 | 6.938% | — | 8 | +$989 | |
| 6 | $8,086 | 6.750% | — | 2 | +$989 | |
| 7 | $8,536 | 6.875% | — | 1 | +$1,439 | |
| 8 | $9,493 | 6.375% | — | 3 | +$2,396 | |
| 9 | $10,262 | 6.625% | — | 8 | +$3,165 | |
| 10 | $23,985 | 6.750% | — | 1 | +$16,888 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Olympia Federal Savings & Loan Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $7,097 | $7,127 | −$30 (−0.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.