Home
Refinance Mortgage Products
20-Year Fixed Conforming Mortgage Refinance

20-Year Fixed Mortgage Refinance Rates 2025

Compare Washington 20-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

Loan Amount:

State or Zip:

Advanced

Advanced Mortgage Search

Transaction:

Loan amount value:

House Value

LTV value:

State:

Period:

Loan Type:

Points:

Property Type:

FICO:

Occupancy:

Do you have a property that you're interested in?

Are you currently working with a real estate agent?

Washington 20-Year Fixed Conforming Mortgage Refinance

July 11, 2025
Average: 6.96% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
District Lending NMLS ID: 1835285	6.156% 20 Yr Fixed	5.990% Fees & Points $4,298 Total 0.843 Pts: $2,698 $1,600 Fees	$2,291	Learn More See Table View
Northpointe Bank NMLS ID: 447490	6.278% 20 Yr Fixed	6.125% Fees & Points $3,933 Total 0.793 Pts: $2,538 $1,395 Fees	$2,316	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.373% 20 Yr Fixed	6.125% Fees & Points $6,400 Total 1.000 Pts: $3,200 $3,200 Fees	$2,316	Learn More See Table View
Barrett Financial Group NMLS ID: 181106 License#: 1998387	6.451% 20 Yr Fixed	6.125% Fees & Points $8,505 Total 0.538 Pts: $1,722 $6,783 Fees	$2,316	Learn More See Table View
Yakima Federal Savings & Loan Association NMLS ID: 432980	6.536% 20 Yr Fixed	6.375% Fees & Points $4,324 Total 0.000 Pts: $0 $4,324 Fees	$2,363	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 20 Yr Fixed			Learn More
Freedom Mortgage Corporation NMLS ID: 2767	We approve credit scores as low as 550 for VA and FHA refinancing Family-owned, 35+ years of cash out assistance A top FHA and VA lender Over three million customers nationwide 20 Yr Fixed			Learn More
Rocket Mortgage NMLS ID: 3030	Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Get personalized solutions for your goals 20 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
U.s. Bank National Association Updated 05/07/2023	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
Banner Bank Updated 06/15/2022	7.31%	7.25% 0.00 points $3,857.00 fees	$2,529.20	Learn MoreShow Less See Table View
First Technology Credit Union Updated 02/06/2023 Restrictions	7.45%	7.25% 0.13 points $0.00 fees	$2,529.20	Learn MoreShow Less See Table View
Boeing Employees Credit Union Updated 06/15/2022 Restrictions	7.33%	7.25% 0.13 points $5,038.00 fees	$2,529.20	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

Mortgage Resources

The Insider's Guide to Mortgages

Download

Mortgage Refinancing Resources

20-Year Fixed Mortgage Refinance Rates 2025

Washington 20-Year Fixed Conforming Mortgage Refinance

Products by State