Lowest closing cost mortgage lenders in King County County, Washington
In King County, Washington, homebuyers paid a median of $6,665 in closing costs in 2024 — below the Washington median of $7,966. The county saw 18,551 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Seattle Metropolitan Credit Union offered the lowest median costs at $0, which is $6,383 less than the county median.
Homebuyers in King County County who chose Seattle Metropolitan Credit Union paid $6,665 less in closing costs than the county median.
County Median Costs
$6,665
−16.3% vs Washington ($7,966)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,245
Purchase Originations
18,551
vs Washington Median
16.3% below
$-1,301
vs National Median
1.1% below
$-76
Lender rankings in King County County
127 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.000% | $0 | 18 | −$6,383 | |
| 2 | $9 | 5.625% | $0 | 82 | −$6,374 | |
| 3 | $1,504 | 6.250% | $0 | 731 | −$4,879 | |
| 4 | $3,484 | 5.625% | $0 | 62 | −$2,899 | |
| 5 | $3,743 | 6.500% | $1 | 72 | −$2,640 | |
| 6 | $3,898 | 6.000% | $0 | 80 | −$2,485 | |
| 7 | $4,067 | 6.312% | $250 | 48 | −$2,316 | |
| 8 | $4,211 | 6.375% | $495 | 10 | −$2,172 | |
| 9 | $4,389 | 6.500% | $406 | 300 | −$1,994 | |
| 10 | $4,864 | 6.438% | $924 | 38 | −$1,519 | |
| 11 | $4,904 | 6.250% | $1,100 | 26 | −$1,479 | |
| 12 | $4,941 | 6.875% | $1,400 | 15 | −$1,442 | |
| 13 | $4,975 | 5.995% | $394 | 12 | −$1,408 | |
| 14 | $4,981 | 5.625% | $1,465 | 15 | −$1,402 | |
| 15 | $4,983 | 6.500% | $1,896 | 51 | −$1,400 | |
| 16 | $5,012 | 6.375% | $728 | 1,047 | −$1,371 | |
| 17 | $5,035 | 6.750% | $1,295 | 16 | −$1,348 | |
| 18 | $5,054 | 6.370% | $1,495 | 22 | −$1,329 | |
| 19 | $5,072 | 5.950% | $815 | 139 | −$1,311 | |
| 20 | $5,091 | 6.375% | $1,150 | 190 | −$1,292 | |
| 21 | $5,110 | 6.875% | $1,380 | 41 | −$1,273 | |
| 22 | $5,151 | 6.500% | $1,372 | 131 | −$1,232 | |
| 23 | $5,161 | 6.375% | $1,550 | 113 | −$1,222 | |
| 24 | $5,219 | 7.125% | $1,380 | 28 | −$1,164 | |
| 25 | $5,257 | 6.500% | $2,239 | 796 | −$1,126 | |
| 26 | $5,330 | 6.490% | $1,195 | 39 | −$1,053 | |
| 27 | $5,341 | 7.125% | $2,028 | 16 | −$1,042 | |
| 28 | $5,422 | 6.500% | $1,200 | 12 | −$961 | |
| 29 | $5,467 | 6.562% | $2,111 | 16 | −$916 | |
| 30 | $5,470 | 6.625% | $1,495 | 24 | −$913 | |
| 31 | $5,482 | 6.500% | $1,075 | 179 | −$901 | |
| 32 | $5,484 | 6.375% | $1,095 | 11 | −$899 | |
| 33 | $5,516 | 6.375% | $1,095 | 610 | −$867 | |
| 34 | $5,548 | 6.125% | $1,090 | 136 | −$835 | |
| 35 | $5,695 | 6.500% | $2,449 | 55 | −$688 | |
| 36 | $5,704 | 6.625% | $1,670 | 13 | −$679 | |
| 37 | $5,713 | 6.188% | $1,499 | 56 | −$670 | |
| 38 | $5,721 | 5.875% | $1,195 | 68 | −$662 | |
| 39 | $5,747 | 5.875% | $1,353 | 514 | −$636 | |
| 40 | $5,824 | 6.990% | $1,495 | 100 | −$559 | |
| 41 | $5,827 | 6.500% | $1,569 | 25 | −$556 | |
| 42 | $5,833 | 6.375% | $1,200 | 298 | −$550 | |
| 43 | $5,875 | 6.375% | $2,687 | 17 | −$508 | |
| 44 | $5,897 | 6.375% | $1,250 | 114 | −$486 | |
| 45 | $5,927 | 6.875% | $2,290 | 11 | −$456 | |
| 46 | $5,941 | 6.625% | $2,245 | 18 | −$442 | |
| 47 | $5,966 | 5.870% | $1,250 | 251 | −$417 | |
| 48 | $6,053 | 6.250% | $1,496 | 148 | −$330 | |
| 49 | $6,140 | 6.500% | $2,290 | 20 | −$243 | |
| 50 | $6,175 | 6.375% | $995 | 22 | −$208 | |
| 51 | $6,311 | 6.990% | $1,795 | 242 | −$72 | |
| 52 | $6,329 | 6.625% | $1,640 | 33 | −$54 | |
| 53 | $6,342 | 6.875% | $2,471 | 438 | −$41 | |
| 54 | $6,396 | 7.062% | $1,890 | 56 | +$13 | |
| 55 | $6,478 | 6.625% | $1,810 | 145 | +$95 | |
| 56 | $6,484 | 6.625% | $2,555 | 242 | +$101 | |
| 57 | $6,569 | 6.625% | $3,128 | 305 | +$186 | |
| 58 | $6,602 | 5.812% | $1,425 | 10 | +$219 | |
| 59 | $6,636 | 6.875% | $2,955 | 17 | +$253 | |
| 60 | $6,724 | 6.125% | $2,662 | 578 | +$341 | |
| 61 | $6,759 | 6.875% | $3,271 | 17 | +$376 | |
| 62 | $6,823 | 6.875% | $3,042 | 661 | +$440 | |
| 63 | $6,876 | 6.688% | $2,154 | 30 | +$493 | |
| 64 | $6,983 | 6.625% | $3,429 | 166 | +$600 | |
| 65 | $7,028 | 7.250% | $2,445 | 11 | +$645 | |
| 66 | $7,107 | 6.750% | $3,420 | 83 | +$724 | |
| 67 | $7,158 | 6.875% | $3,106 | 1,073 | +$775 | |
| 68 | $7,232 | 6.875% | $2,606 | 303 | +$849 | |
| 69 | $7,333 | 6.625% | $3,947 | 144 | +$950 | |
| 70 | $7,419 | 6.875% | $4,011 | 569 | +$1,036 | |
| 71 | $7,455 | 6.750% | $4,114 | 14 | +$1,072 | |
| 72 | $7,534 | 6.562% | $2,958 | 40 | +$1,151 | |
| 73 | $8,099 | 6.625% | $4,908 | 34 | +$1,716 | |
| 74 | $8,391 | 6.500% | $5,071 | 254 | +$2,008 | |
| 75 | $8,397 | 6.875% | $4,566 | 889 | +$2,014 | |
| 76 | $8,423 | 6.625% | $4,135 | 75 | +$2,040 | |
| 77 | $8,578 | 7.125% | $4,773 | 46 | +$2,195 | |
| 78 | $8,702 | 6.625% | $4,865 | 840 | +$2,319 | |
| 79 | $8,754 | 7.125% | $5,538 | 32 | +$2,371 | |
| 80 | $8,764 | 6.625% | $4,933 | 200 | +$2,381 | |
| 81 | $8,817 | 6.625% | $5,277 | 10 | +$2,434 | |
| 82 | $8,886 | 6.875% | $4,345 | 15 | +$2,503 | |
| 83 | $8,890 | 6.812% | $5,452 | 34 | +$2,507 | |
| 84 | $8,952 | 7.000% | $6,067 | 23 | +$2,569 | |
| 85 | $8,976 | 6.625% | $5,435 | 65 | +$2,593 | |
| 86 | $9,076 | 6.625% | $5,762 | 21 | +$2,693 | |
| 87 | $9,160 | 6.625% | $5,382 | 232 | +$2,777 | |
| 88 | $9,233 | 6.000% | $5,451 | 52 | +$2,850 | |
| 89 | $9,324 | 6.990% | $6,057 | 24 | +$2,941 | |
| 90 | $9,383 | 6.875% | $5,345 | 321 | +$3,000 | |
| 91 | $9,677 | 6.750% | $6,537 | 14 | +$3,294 | |
| 92 | $9,774 | 6.625% | $6,095 | 39 | +$3,391 | |
| 93 | $9,790 | 6.990% | $6,554 | 21 | +$3,407 | |
| 94 | $9,876 | 6.433% | $5,416 | 10 | +$3,493 | |
| 95 | $9,930 | 6.875% | $5,714 | 21 | +$3,547 | |
| 96 | $10,204 | 6.500% | $5,233 | 26 | +$3,821 | |
| 97 | $10,244 | 6.750% | $7,089 | 10 | +$3,861 | |
| 98 | $10,251 | 6.500% | $6,212 | 22 | +$3,868 | |
| 99 | $10,316 | 7.000% | $6,562 | 51 | +$3,934 | |
| 100 | $10,334 | 7.125% | $6,074 | 34 | +$3,951 | |
| 101 | $10,371 | 6.990% | $6,169 | 11 | +$3,988 | |
| 102 | $10,472 | 6.990% | $6,910 | 230 | +$4,090 | |
| 103 | $10,929 | 6.990% | $7,483 | 168 | +$4,546 | |
| 104 | $10,932 | 6.875% | $7,661 | 13 | +$4,549 | |
| 105 | $11,432 | 6.688% | $8,121 | 10 | +$5,049 | |
| 106 | $11,975 | 6.812% | $8,242 | 10 | +$5,592 | |
| 107 | $12,217 | 6.400% | $8,344 | 65 | +$5,834 | |
| 108 | $12,371 | 6.625% | $8,663 | 16 | +$5,988 | |
| 109 | $12,399 | 5.875% | $1,460 | 40 | +$6,016 | |
| 110 | $12,479 | 6.500% | $0 | 14 | +$6,096 | |
| 111 | $12,512 | 6.750% | $9,131 | 10 | +$6,129 | |
| 112 | $12,607 | 6.990% | $8,339 | 22 | +$6,224 | |
| 113 | $12,909 | 6.750% | $9,100 | 39 | +$6,526 | |
| 114 | $12,964 | 6.625% | $8,804 | 50 | +$6,581 | |
| 115 | $13,925 | 6.625% | $9,134 | 10 | +$7,542 | |
| 116 | $14,205 | 7.000% | $9,585 | 18 | +$7,822 | |
| 117 | $14,365 | 7.062% | $8,634 | 46 | +$7,982 | |
| 118 | $14,577 | 6.750% | $1,495 | 11 | +$8,194 | |
| 119 | $15,140 | 7.500% | $11,415 | 13 | +$8,757 | |
| 120 | $16,197 | 8.750% | $12,655 | 20 | +$9,814 | |
| 121 | $16,570 | 6.625% | $1,195 | 14 | +$10,186 | |
| 122 | $17,280 | 7.375% | $13,595 | 19 | +$10,897 | |
| 123 | $17,498 | 7.125% | $13,622 | 30 | +$11,115 | |
| 124 | $18,142 | 7.937% | $14,218 | 24 | +$11,759 | |
| 125 | $20,376 | 6.990% | $16,845 | 16 | +$13,993 | |
| 126 | $23,037 | 7.188% | $18,281 | 82 | +$16,654 |
Includes lenders with 10+ purchase originations in King County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Washington → Lender Directory
Found your lender? Make sure their quote is fair.
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.