Mortgage lender closing cost rankings in Washington (2024)
In Washington, homebuyers paid a median of $7,966 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.62% across 68,654 purchase originations. The most active lender was UNITED WHOLESALE MORTGAGE, LLC with 4,841 originations. The lowest-cost lender (with 50+ loans) was Seattle Metropolitan Credit Union at $0.
Median Total Costs
$7,966
+18.2% vs national ($6,741)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$3,642
Purchase Originations
68,654
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 50,951 | 6.625% | $6,663 |
| fha | 9,656 | 6.490% | $15,732 |
| va | 7,954 | 6.125% | $10,066 |
| usda | 93 | 6.250% | $10,946 |
Lowest closing cost lenders in Washington
Ranked by median total loan costs among lenders with 50+ purchase originations in Washington.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.000% | $0 | 52 | −$7,966 | |
| 2 | $74 | 5.750% | $0 | 163 | −$7,892 | |
| 3 | $1,773 | 5.500% | $0 | 330 | −$6,193 | |
| 4 | $2,911 | 6.375% | $500 | 1,291 | −$5,055 | |
| 5 | $3,576 | 6.500% | $899 | 64 | −$4,390 | |
| 6 | $3,642 | 5.500% | $0 | 1,507 | −$4,324 | |
| 7 | $3,672 | 6.625% | $795 | 157 | −$4,294 | |
| 8 | $3,691 | 6.625% | $1 | 113 | −$4,275 | |
| 9 | $3,788 | 6.375% | $710 | 54 | −$4,178 | |
| 10 | $4,131 | 6.625% | $1,389 | 98 | −$3,835 | |
| 11 | $4,167 | 6.125% | $0 | 727 | −$3,799 | |
| 12 | $4,373 | 6.625% | $1,470 | 197 | −$3,593 | |
| 13 | $4,393 | 6.500% | $439 | 507 | −$3,573 | |
| 14 | $4,516 | 6.433% | $1,574 | 128 | −$3,450 | |
| 15 | $4,682 | 6.375% | $735 | 2,137 | −$3,284 | |
| 16 | $4,749 | 6.625% | $924 | 218 | −$3,217 | |
| 17 | $4,751 | 6.125% | $250 | 236 | −$3,215 | |
| 18 | $4,846 | 6.500% | $1,380 | 70 | −$3,120 | |
| 19 | $4,854 | 6.250% | $1,100 | 79 | −$3,112 | |
| 20 | $4,873 | 5.975% | $815 | 230 | −$3,093 | |
| 21 | $4,967 | 6.500% | $1,180 | 119 | −$2,999 | |
| 22 | $5,120 | 6.375% | $1,150 | 413 | −$2,846 | |
| 23 | $5,150 | 6.438% | $2,878 | 62 | −$2,816 | |
| 24 | $5,155 | 6.490% | $1,550 | 151 | −$2,811 | |
| 25 | $5,167 | 6.875% | $1,980 | 66 | −$2,799 |
Includes lenders with 50+ purchase originations in Washington. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
King County
18,551 originations
Pierce County
8,818 originations
Snohomish County
7,975 originations
Spokane County
5,269 originations
Clark County
5,010 originations
Kitsap County
3,055 originations
Thurston County
2,857 originations
Benton County
2,180 originations
Whatcom County
1,812 originations
Yakima County
1,453 originations
Cowlitz County
1,061 originations
Skagit County
1,000 originations
Franklin County
845 originations
Island County
827 originations
Mason County
820 originations
Grant County
772 originations
Lewis County
682 originations
Grays Harbor County
675 originations
Clallam County
648 originations
Kittitas County
554 originations
Chelan County
539 originations
Walla Walla County
449 originations
Douglas County
424 originations
Stevens County
327 originations
Whitman County
298 originations
Okanogan County
251 originations
Jefferson County
244 originations
Pacific County
232 originations
Asotin County
188 originations
Klickitat County
155 originations
Adams County
122 originations
Pend Oreille County
120 originations
Lincoln County
116 originations
Skamania County
108 originations
See Washington closing cost details, fee benchmarks, and county comparisons → Washington Closing Costs Guide
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.