Average Loan Estimate Fees in Washington (2024)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
Washington Average
$6,605
Total lender & third-party fees
National Average
$6,300
Washington is 5% above the national average
Fee-by-Fee Breakdown (2024)
| Fee Type | Washington | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,600 | $1,785 | Yes |
| Underwriting Fee | $840 | $815 | Yes |
| Processing Fee | $660 | $610 | Yes |
| Application Fee | $275 | $255 | Yes |
| Rate Lock Fee | $330 | $305 | Yes |
| Appraisal Fee | $550 | $510 | No |
| Title Insurance | $1,365 | $1,275 | No |
| Settlement Fee | $735 | $510 | Yes |
| Document Prep Fee | $220 | $205 | Yes |
| Flood Certification | $30 | $30 | No |
| Total | $6,605 | $6,300 |
Mortgage Closing Costs in Washington
In 2024, borrowers in Washington can expect total loan estimate fees of approximately $6,605 on average — 5% higher than the national average of $6,300. The higher costs in Washington reflect elevated real estate market activity, stronger lender demand, and higher operating costs for local settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
Data Note
Fee benchmarks reflect 2024 market conditions. Lender fees have trended approximately 2% higher per year since 2023 due to operational cost increases. Actual fees on your Loan Estimate may vary by lender, loan type, and loan amount.
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