Who has the best mortgage rates in Washington?
A good rate for a primary, single-family home in for , and credit score is:
found 60 lenders for you—rates updated Jul 15, 2025
Rates updated Jul 15, 2025
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders with low rates in WA
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only 4 lenders likely to get you a good deal.
| Lender | Lender fees | ||
|---|---|---|---|
 | No lender feesHighly rated | Highly rated | |
 | $995Mixed reviews | Mixed reviews | |
 | $995Average | Average | |
 | $1050Below average | Below average |
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders in WA likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 60 lenders and found that these 3 are likely to offer you a high rate.
| Lender | Lender fees | ||
|---|---|---|---|
 | $1790Above average | Above average | |
 | $1740Limited reviews | Limited reviews | |
 | $1565Mixed reviews | Mixed reviews |
Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson TrueRate Data ScientistLenders with average rates in WA
You deserve better than what these 53 lenders historically provide.
- 1st Security Bank Of Washingto
- American Pacific Mortgage Corp
- Ark-La-Tex Financial Services
- Bank Of England
- Bell Bank
- Calcon Mutual Mortgage LLC
- Cmg Mortgage Inc.
- Crosscountry Mortgage, LLC
- Das Acquisition Company, LLC
- Diamond Residential Mtg Corp
- Envoy Mortgage, Ltd
- Evergreen Moneysource Mortgage
- Fairway Independent Mort Corp
- First Interstate Bank
- Gateway First Bank
- Gold Star Mortgage Financial G
- Golden Empire Mortgage, Inc.
- Guaranteed Rate Affinity, LLC
- Guaranteed Rate, Inc.
- Highlands Residential Mortgage
- Homeowners Financial Group, Ll
- Homeside Financial, LLC
- Homestreet Bank
- Huntington National Bank
- Idaho Central Credit Union
- Ixonia Bank
- Leaderone Financial Corp.
- Loan Simple, Inc.
- Mason-Mcduffie Mortgage Corpor
- Mutual Of Omaha Mortgage
- Nations Lending Corporation
- Nfm, Inc.
- Northpointe Bank
- On Q Financial, Inc.
- Opportunity Bank Of Montana
- Pacific Residential Mortgage,
- Penrith Home Loans LLC
- Planet Home Lending, LLC
- Premier Mortgage Resources, Ll
- Primelending
- Residential Wholesale Mortgage
- Seatrust Mortgage Company
- Spokane Teachers Credit Union
- Summit Funding.Inc.
- Summit Mortgage Corporation
- Sunflower Bank, N.A.
- Synergy One Lending
- The Federal Savings Bank
- Tjc Mortgage Inc.
- V.I.P. Mortgage, Inc.
- Washington State Employees Cu
- Waterstone Mortgage Corporatio
- Willamette Valley Bank
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Eyeing a house in Washington State? Now’s a pretty solid time to make your move
Interest rates have been steadily improving throughout 2024, with further declines expected in 2025. This shift is making homeownership more attainable than it has been in recent years. Buyers today are feeling less financial pressure compared to when rates were at their peak, so securing a mortgage now could be a smart move.
Washington’s housing market presents a mix of opportunities. In high-demand areas like Seattle and Bellevue, prices remain elevated and competition is strong. However, cities such as Tacoma, Spokane, and many smaller towns offer far more affordability. These areas often provide spacious homes, natural beauty, and access to outdoor activities—without the steep price tags. You may even find the backyard space you’ve been hoping for, whether it’s for gardening, relaxing, or entertaining.
For first-time buyers, Washington offers a number of assistance programs that can help with down payments and closing costs. These resources are especially valuable in more competitive markets, allowing buyers to enter the housing market without needing years of savings.
Whether you’re drawn to the lush landscapes of the Pacific Northwest or the vibrant energy of its urban centers, Washington offers something for everyone. With interest rates continuing to decline and a wide range of housing options available, now is a great time to consider making this dynamic state your home.