Mortgage Rates Washington (WA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Washington. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Washington as of March 21, 2026 are as follows, according to verified data from MonitorBankRates: OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L24081 Ne State Route 3, Belfair, WA, 98501A+5.0 ★Texas Ratio: 2.38% at 4.25%, Pacific NW Federal Credit UnionPacific NW Federal Credit Union1650 NE Ross St, Vancouver, WA, 98663A+5.0 ★Texas Ratio: 3.79% at 5.88%, HAPO Community Credit UnionHAPO Community Credit Union1007 Jadwin Ave, College Place, WA, 98684A+5.0 ★Texas Ratio: 2.10% at 5.88%, OnPoint Community Credit UnionOnPoint Community Credit Union16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603A+5.0 ★Texas Ratio: 3.91% at 6.00%, and First Fed BankFirst Fed Bank105 W 8th St, Bainbridge Island, WA, 98004A+5.0 ★Texas Ratio: 1.40% at 6.12%.
Mortgage rates in Washington (WA) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Washington borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Washington Mortgage Rate Trends
Compare local Washington mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — WA Avg
6.345%
▲ 0.260 from last week
For buyers in Washington, the broader Washington 30-year fixed average mortgage rate rose 0.260 points this week to 6.345%, according to MonitorBankRates trend data.
15-Year Fixed — WA Avg
5.955%
▼ 1.816 from last week
For buyers in Washington, the broader Washington 15-year fixed average mortgage rate fell 1.816 points this week to 5.955%, according to MonitorBankRates trend data.
As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Washington
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
30-Year Fixed (Affordable Construction Program)
4.25%
4.33%
▼
Rate4.25%
APR4.33%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
1st Time Homebuyer (30-Year Fixed)
30
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
30-Year Fixed 80% Max LTV (First-Time Homebuyer)
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
30 Year Fixed Rate
5.88%
5.96%
▼
Rate5.88%
APR5.96%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
30-Year Fixed
360
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 360 Months
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
30 year fixed rate
30 year
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
30 year fixed rate
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
30-Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
30-Year Fixed 80% Max LTV (Owner Occupied)
6.00%
6.17%
▼
Rate6.00%
APR6.17%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate Purchase
30-year
6.12%
6.19%
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate MH Purchase
30-year
6.12%
6.22%
▼
Rate6.12%
APR6.22%
Points0.250
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
30-Year Fixed
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points0.750
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
30-Year Fixed
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA, 98660 1338
30 Year Fixed
6.25%
6.31%
▼
Rate6.25%
APR6.31%
Points0.039
UpdatedMar 11, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate MH Refinance
30-year
6.25%
6.33%
▼
Rate6.25%
APR6.33%
Points0.125
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate Refinance
30-year
6.25%
6.34%
▼
Rate6.25%
APR6.34%
Points0.250
UpdatedMar 15, 2026
Details
No additional details available.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
30 Year Fixed
6.12%
6.34%
▼
Rate6.12%
APR6.34%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 4th Avenue N, Anacortes, WA, 98002
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
30 Year Fixed
6.25%
6.43%
▼
Rate6.25%
APR6.43%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
196 Bellevue Way Ne, Bellevue, WA, 98004
30 Year Fixed Rate
6.38%
6.44%
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate MH Cash-out Refi
30-year
6.38%
6.51%
▼
Rate6.38%
APR6.51%
Points0.250
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
196 Bellevue Way Ne, Bellevue, WA, 98004
30 Year Fixed Rate
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
30-Year Fixed
360
6.25%
6.53%
▼
Rate6.25%
APR6.53%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 360 Months
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
30-Year Fixed
360
6.25%
6.55%
▼
Rate6.25%
APR6.55%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 360 Months
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
10618 E Sprague Ave, Airway Heights, WA, 98801
30-year Fixed
6.38%
6.57%
▼
Rate6.38%
APR6.57%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Cash-out Refinance
30-year
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.125
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
196 Bellevue Way Ne, Bellevue, WA, 98004
30 Year Fixed Rate
30 Year
6.54%
6.59%
▼
Rate6.54%
APR6.59%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
30-Year Fixed
360
6.38%
6.60%
▼
Rate6.38%
APR6.60%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 360 Months
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
30-Year Fixed Rate
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
30-Year Fixed
360
5.75%
6.64%
▼
Rate5.75%
APR6.64%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 360 Months
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
Non-Owner Occupied (30-Year Fixed)
30
6.50%
6.71%
▼
Rate6.50%
APR6.71%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
10618 E Sprague Ave, Airway Heights, WA, 98801
30-year Fixed - Construction
6.50%
6.72%
▼
Rate6.50%
APR6.72%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
107 S Main St, Anacortes, WA, 98012
30 Year Fixed Rate
6.38%
6.74%
▼
Rate6.38%
APR6.74%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
30-Year Fixed Rate
30
6.62%
6.75%
▼
Rate6.62%
APR6.75%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
107 S Main St, Anacortes, WA, 98012
30 Year Fixed Rate
6.38%
6.76%
▼
Rate6.38%
APR6.76%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
30-Year Fixed (Non-Owner Occupied)
6.50%
6.77%
▼
Rate6.50%
APR6.77%
Points2.000
UpdatedMar 15, 2026
Details
No additional details available.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
30 Year Fixed (investment property)
6.62%
6.87%
▼
Rate6.62%
APR6.87%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
30-Year Fixed Invest
6.75%
6.89%
▼
Rate6.75%
APR6.89%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
30-Year Fixed Invest
6.88%
6.97%
▼
Rate6.88%
APR6.97%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
15-Year Fixed
15
5.25%
5.50%
▼
Rate5.25%
APR5.50%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
15-Year Fixed 80% Max LTV (Owner Occupied)
5.25%
5.51%
▼
Rate5.25%
APR5.51%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
15 Year Fixed Rate
5.38%
5.52%
▼
Rate5.38%
APR5.52%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
15-Year Fixed
180
5.38%
5.54%
▼
Rate5.38%
APR5.54%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 180 Months
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA, 98660 1338
15 Year Fixed
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.242
UpdatedMar 11, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
15 year fixed rate
5.50%
5.64%
▼
Rate5.50%
APR5.64%
Points0.375
UpdatedMar 15, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
15 year fixed rate
15 year
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.375
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
15-Year Fixed
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
15-Year Fixed Rate
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
196 Bellevue Way Ne, Bellevue, WA, 98004
15 Year Fixed Rate
5.62%
5.72%
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
15 Year Fixed
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 4th Avenue N, Anacortes, WA, 98002
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
15-Year Fixed
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate Purchase
15-year
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.125
UpdatedMar 15, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
15-Year Fixed Rate
15
5.62%
5.85%
▼
Rate5.62%
APR5.85%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate Refinance
15-year
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.125
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
196 Bellevue Way Ne, Bellevue, WA, 98004
15 Year Fixed Rate
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate MH Purchase
15-year
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate MH Refinance
15-year
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.250
UpdatedMar 15, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
15-Year Fixed
180
5.62%
6.09%
▼
Rate5.62%
APR6.09%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 180 Months
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
15-Year Fixed
180
5.62%
6.10%
▼
Rate5.62%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 180 Months
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
107 S Main St, Anacortes, WA, 98012
15 Year Fixed Rate
5.50%
6.13%
▼
Rate5.50%
APR6.13%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
10618 E Sprague Ave, Airway Heights, WA, 98801
15-year Fixed
5.88%
6.15%
▼
Rate5.88%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
1212 W Francis Ave, Spokane, WA, 99201
fixed ratehome loans 15-Year Fixed
15
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
15-Year Fixed
180
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 180 Months
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Cash-out Refinance
15-year
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Peoples Bank (WA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
107 S Main St, Anacortes, WA, 98012
15 Year Fixed Rate
5.75%
6.33%
▼
Rate5.75%
APR6.33%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
Non-Owner Occupied (15-Year Fixed)
15
6.12%
6.47%
▼
Rate6.12%
APR6.47%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
15-Year Fixed
180
5.50%
6.49%
▼
Rate5.50%
APR6.49%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 180 Months
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate MH Cash-out Refi
15-year
6.38%
6.50%
▼
Rate6.38%
APR6.50%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA, 98501
15-Year Fixed (Non-Owner Occupied)
6.12%
6.55%
▼
Rate6.12%
APR6.55%
Points2.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
7/6 ARM Jumbo
5.25%
5.35%
▼
Rate5.25%
APR5.35%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
15-Year VA Purchase / No Cash-Out Refinance
180
5.38%
5.54%
▼
Rate5.38%
APR5.54%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 180 Months
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
7-Year Jumbo ARM
5.12%
5.80%
▼
Rate5.12%
APR5.80%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
7-Year Jumbo ARM
5.12%
5.81%
▼
Rate5.12%
APR5.81%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
3/1 ARM
30 Year
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.500
UpdatedMar 20, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
7-Year ARM
5.12%
5.89%
▼
Rate5.12%
APR5.89%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
7-Year ARM
5.12%
5.91%
▼
Rate5.12%
APR5.91%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
5/1 ARM
30 Year
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.500
UpdatedMar 20, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
30-Year VA Purchase / No Cash-Out Refinance
360
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 360 Months
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
5/1 ARM
30 Year
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
5/5 ARM Conforming
5.12%
6.03%
▼
Rate5.12%
APR6.03%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
7/6 ARM
5.50%
6.17%
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
7/6 ARM
5.62%
6.24%
▼
Rate5.62%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
3/1 ARM
30 Year
6.12%
6.25%
▼
Rate6.12%
APR6.25%
Points0.500
UpdatedMar 20, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
7/1 ARM
30 Year
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points0.500
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 4th Avenue N, Anacortes, WA, 98002
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
7/1 ARM
30 Year
6.12%
6.28%
▼
Rate6.12%
APR6.28%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
196 Bellevue Way Ne, Bellevue, WA, 98004
5/6 ARM
5/6
5.64%
6.28%
▼
Rate5.64%
APR6.28%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
5/6 ARM Conforming
4.75%
6.29%
▼
Rate4.75%
APR6.29%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
196 Bellevue Way Ne, Bellevue, WA, 98004
7/6 ARM
7/6
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
7/6 ARM Conforming
4.88%
6.32%
▼
Rate4.88%
APR6.32%
Points1.125
UpdatedMar 17, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
7 Year ARM
5.75%
6.37%
▼
Rate5.75%
APR6.37%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
5/1 ARM
30 Year
6.25%
6.37%
▼
Rate6.25%
APR6.37%
Points0.500
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
5/1 ARM
30
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
Home Improvement Loan 5/1 ARM
30
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA, 98660 1338
7/6 ARM
5.38%
6.43%
▼
Rate5.38%
APR6.43%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
5/5 jumbo ARM
6.12%
6.44%
▼
Rate6.12%
APR6.44%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
5/5 ARM
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
5/5 ARM
6.12%
6.47%
▼
Rate6.12%
APR6.47%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
5 Year ARM
5.99%
6.47%
▼
Rate5.99%
APR6.47%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
15-Year FHA Purchase / No Cash-Out Refinance
180
5.50%
6.49%
▼
Rate5.50%
APR6.49%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 180 Months
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
5/6 ARM
6.25%
6.60%
▼
Rate6.25%
APR6.60%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA, 98660 1338
5/6 ARM
5.25%
6.62%
▼
Rate5.25%
APR6.62%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
7/1 ARM
30 Year
6.50%
6.64%
▼
Rate6.50%
APR6.64%
Points0.500
UpdatedMar 20, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, WA, 98684
30-Year FHA Purchase / No Cash-Out Refinance
360
5.75%
6.64%
▼
Rate5.75%
APR6.64%
Points0.000
UpdatedMar 20, 2026
Details
Fixed 360 Months
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
5/6 ARM
6.38%
6.65%
▼
Rate6.38%
APR6.65%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
7/1 ARM
30
6.50%
6.66%
▼
Rate6.50%
APR6.66%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
Home Improvement Loan 7/1 ARM
30
6.50%
6.66%
▼
Rate6.50%
APR6.66%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
15/1 ARM
6.62%
6.75%
▼
Rate6.62%
APR6.75%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
15/1 ARM
15
6.75%
6.86%
▼
Rate6.75%
APR6.86%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
1910 W Fourth Plain Blvd, Vancouver, WA, 98660 1338
5/6 ARM
5.88%
6.88%
▼
Rate5.88%
APR6.88%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
7/1 Adjustable Rate Mortgage (ARM)
7
6.88%
6.88%
▼
Rate6.88%
APR6.88%
Points0.000
UpdatedMar 15, 2026
Details
first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
7/1 ARM
6.88%
6.88%
▼
Rate6.88%
APR6.88%
Points0.000
UpdatedMar 15, 2026
Details
first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
30 Years 5/1 ARM
30 Years
6.62%
6.90%
▼
Rate6.62%
APR6.90%
Points2.000
UpdatedMar 20, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
115 Cedar St, Arlington, WA, 98201
Investment Property Mortgage 30 Years 5/1 ARM
30 Years
6.62%
6.90%
▼
Rate6.62%
APR6.90%
Points2.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
Jumbo 15-Year Fixed
5.50%
5.71%
▼
Rate5.50%
APR5.71%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
Jumbo 15-Year Fixed
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
112 N 7th St, Brewster, WA, 98812
Fixed Rate 15 Year Jumbo Loan
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
30-Year Jumbo
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
Jumbo 30-Year Fixed Rate
6.12%
6.20%
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
30 year jumbo fixed rate
30 year
6.12%
6.21%
▼
Rate6.12%
APR6.21%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
Jumbo 30-Year Fixed
6.12%
6.25%
▼
Rate6.12%
APR6.25%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
Jumbo 30-Year Fixed
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
112 N 7th St, Brewster, WA, 98812
Fixed Rate 30 Year Jumbo Loan
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
Jumbo 30-Year Fixed Rate
30
6.25%
6.33%
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate Jumbo Purchase
15-year
6.25%
6.34%
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate Jumbo Cash-out Refinance
15-year
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate Jumbo Purchase
30-year
6.50%
6.56%
▼
Rate6.50%
APR6.56%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate Jumbo Refinance
6.50%
6.59%
▼
Rate6.50%
APR6.59%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate Jumbo Cash-out Refinance
30-year
6.62%
6.68%
▼
Rate6.62%
APR6.68%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate Jumbo Refinance
6.75%
6.81%
▼
Rate6.75%
APR6.81%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
10618 E Sprague Ave, Airway Heights, WA, 98801
30-year Fixed - Jumbo
7.25%
7.38%
▼
Rate7.25%
APR7.38%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
112 N 7th St, Brewster, WA, 98812
15 Year FHA Loan
4.88%
5.61%
▼
Rate4.88%
APR5.61%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
16020 SE Mill Plain Blvd, Vancouver, WA, 98660 3603
FHA
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
112 N 7th St, Brewster, WA, 98812
30 Year FHA Loan
5.38%
6.13%
▼
Rate5.38%
APR6.13%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
30-Year FHA
5.38%
6.24%
▼
Rate5.38%
APR6.24%
Points1.125
UpdatedMar 17, 2026
Details
As Low As
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
FHA 15-Year Fixed Rate
5.50%
6.31%
▼
Rate5.50%
APR6.31%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
FHA 30-Year Fixed Rate
5.49%
6.34%
▼
Rate5.49%
APR6.34%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
FHA 20-Year Fixed Rate
5.49%
6.43%
▼
Rate5.49%
APR6.43%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
112 N 7th St, Brewster, WA, 98812
15 Year VA Loan
4.99%
5.33%
▼
Rate4.99%
APR5.33%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
VA 15-Year Fixed Purchase
5.12%
5.35%
▼
Rate5.12%
APR5.35%
Points0.250
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
VA 15-Year Fixed Refinance
5.12%
5.35%
▼
Rate5.12%
APR5.35%
Points0.250
UpdatedMar 15, 2026
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
112 N 7th St, Brewster, WA, 98812
30 Year VA Loan
5.38%
5.58%
▼
Rate5.38%
APR5.58%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 4th Avenue N, Anacortes, WA, 98002
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate VA Refinance
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year VA Purchase
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points0.125
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
VA 30-Year Fixed Purchase
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA, 98225
VA 30-Year Fixed Refinance
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
VA 15-Year Fixed Rate
5.50%
6.03%
▼
Rate5.50%
APR6.03%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Zions Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
10900 Ne 4th St, Bellevue, WA, 98004
30-Year VA Fixed
30
5.88%
6.18%
▼
Rate5.88%
APR6.18%
Points0.000
UpdatedMar 15, 2026
Details
Advertised APR assumes excellent credit. Your APR may be higher.
First Fed Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate Cash-out VA Refinance
30-year
6.00%
6.25%
▼
Rate6.00%
APR6.25%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA, 98004
VA 30-Year Fixed Rate
5.99%
6.28%
▼
Rate5.99%
APR6.28%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 5th St, Anacortes, WA, 98002
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Washington directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Washington. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Washington
How does my credit score affect my rate in Washington?
Your credit score is a major factor. Generally, borrowers in Washington with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Washington because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Washington?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Washington, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Washington, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Washington?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Washington, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Washington?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Washington offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Washington?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Washington?
- OlyFed Olympia Federal S&L: 4.25% (30-Year Fixed (Affordable Construction Program))
- Pacific NW Federal Credit Union: 5.88% (30 Year Fixed Rate)
- HAPO Community Credit Union: 5.88% (30-Year Fixed)
- OnPoint Community Credit Union: 6.00% (30 year fixed rate)
- First Fed Bank: 6.12% (30-year Fixed Rate Purchase)
Mortgage Rates reflect actual verified offers from lenders actively lending to Washington borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Washington
