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“Speed We move quickly to have facilities in place within weeks. Tailored Flexible financing structures designed to meet your unique needs. Transparent Direct access to decision-makers. Entrepreneurial We understand risk and opportunity.”

“Leverage the value of inventory, equipment and accounts receivable to strengthen cash flow. Find out how Expand into new markets with advice and guidance from Ocean global banking experts.</p>\r\n&#34;,&#34;xdm:linkURL&#34;:&#34;/commercial-banking/global-trade-finance.html&#34;}}">”

“Power short-term business objectives and long-term strategies with traditional commercial financing. Explore options Leverage the value of inventory, equipment and accounts receivable to strengthen cash flow.</p>\r\n&#34;,&#34;xdm:linkURL&#34;:&#34;/commercial-banking/asset-based-financing.html&#34;}}">”

“Financing to execute your strategic vision</p>\r\n&#34;}}">”

“Loans subject to credit approval.</p>\r\n&#34;}}" id="text-3988946cb9" class="cmp-text"> Loans subject to credit approval. Let's meet in person or virtually&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</p>\r\n&#34;}}" id="appointment" class="cmp-text"> Let's meet in person or virtually Schedule now”

“Expand into new markets with advice and guidance from Ocean global banking experts. Discover how Expand your business with a loan designed to fuel your operation and power growth.</p>\r\n&#34;,&#34;xdm:linkURL&#34;:&#34;/commercial-banking/small-business-loans.html&#34;}}">”

“Leverage credit solutions that build the value of your real estate and optimize your financial returns. See what you can do Power short-term business objectives and long-term strategies with traditional commercial financing.</p>\r\n&#34;,&#34;xdm:linkURL&#34;:&#34;/commercial-banking/commercial-loans.html&#34;}}">”

“Expand your business with a loan designed to fuel your operation and power growth. Explore options <span>Don't see what you’re looking for?</span> <span>Meet with an expert.</span></h2>\r\n&#34;,&#34;xdm:linkURL&#34;:&#34;#schedule-meeting&#34;}}">”

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“Our customized debt and equity solutions enable entrepreneurial real estate investors to counteract shifting market tides and focus on what matters most—execution. About us Strategies”

“Park Side Cafe Building The Lurana Merritt Manor Kluh Jewelers Homes First Olympic Rentals Park Side Cafe Building The Lurana Merritt Manor Kluh Jewelers Homes First Olympic Rentals Commercial Project: Alicia Elliot came to OlyFed with her plan to revitalize her West Olympia neighborhood and transform the corner of Harrison and Division with a new Victorian-era building, which is now home to the Park Side Café. Our commercial lending experience made it happen, along with our community-first commitment. Mixed-Use Project: The Lurana is a three-story mixed-use development adjacent to Percival Landing. It features retail space, a restaurant and 44 apartments with a terrace extending to the boardwalk. It’s another visionary project by Walker John revitalizing downtown Olympia, and it’s backed by OlyFed. Apartment Housing Project : A $13.5 million project, Merritt Manor is a new four-story, 80 unit affordable housing complex on the site of the former Bailey Motor Inn in Olympia. Glenn Wells along with Scott Wammack turned to us to help with this innovative project to turn a blighted property into a beautiful community asset. This is a unique partnership in that affordable housing projects almost always involve government organizations; in this particular case, the project is 100% privately supported. Commercial/Retail Project: Our small business team knows the importance of supporting local – like the three-generation Kluh Jewelers in Lacey. When grandson Matt Kluh wanted to buy and renovate a new location, Carrie assembled a loan package that enabled their lobby to display a replica of founder Ted Kluh’s VW featuring a giant diamond on the side. Nonprofit Housing Project: OlyFed and the Washington State Housing Finance Commission recently partnered with Homes First to help the local nonprofit save almost $30,000 a year on its mortgage payments. Homes First, an organization dedicated to providing affordable rental housing to low-income individuals and families, owned nearly two dozen rental units that it had purchased over the years at various interest rates. The organization discovered an opportunity through the state’s Housing Finance Commission to refinance those loans through a special bond, but a banking partner was needed. We provided the lower-interest financing for a larger consolidated mortgage loan; in return, the Housing Commission was able to provide a bond with significant tax credits as collateral. Homes First will now save close to $1 million in interest payments over the life of the loans. Commercial Project: Todd Monohon and his team at Olympic Rental and Landlord Services were looking for a new place for their business to call home. They soon discovered the old Olympia Press Building in downtown Olympia. The new facility provides the added space they needed with plenty of room to grow. We were able to help with the right loan to purchase the building and make the needed improvements to attract some new tenants to join them as neighbors i”

“All in one financing : We roll construction costs and permanent financing into one convenient package and we close up-front on permanent financing. No need to refinance upon home completion and pay additional closing costs or take the risk of interest rates being higher.”

“I spoke with Jennifer Arnold, VP of Residential Lending for Olympia Federal Savings (OlyFed), to get some insider expertise on home loans. She addressed some common misconceptions about interest rates, shared some great tips about selecting a lender, and told me about some pitfalls to avoid when shopping around for a home loan. Q: Recently,&hellip; Read More”

“The idea of building the home of your dreams is an exciting endeavor; however, it can be an intimidating process leaving you stumped on where to begin and what to expect. To help you bust the seven biggest myths of building and to give you the tips, tools and confidence to start the construction process today, we&#8217;ve put together this helpful video that will answer your questions and put you at ease. WATCH VIDEO The Right Tools The Right Spot The Right House Looking to Build an ADU? Build Green & Save Green The Right Tools The Right Spot The Right House Looking to Build an ADU? Build Green & Save Green Whether you’re going to do it yourself or work with a builder, we’re ready to help either way. From application to the day you walk in the front door of your new home, we’re with you and your construction team every step of the journey. You name it, draws, inspections and so much more; we have the people, tools and resources to ensure your project runs smoothly. In fact, our automated project management system, BUILT , will help you manage risk, maximize productivity and improve the draw process right from your desktop or mobile device. BUILT Demo Our developed lot loans are designed for someone looking to purchase construction-ready land and is planning to build their primary residence within the next five years. This five-year balloon loan has a 25-year amortization period to keep your payments as low as possible while you finalize your plans. Enjoy competitive closing costs, terms and future construction loan fee discounts. By choosing us, you’ll be eligible for 1/2% off your permanent construction loan fee when you decide to build. By purchasing land today and paying on your land loan over time, you will begin to build equity which can be used toward the down payment on your construction loan. Lot Loan Rates ALL LOAN TYPES With local housing inventories at historic lows, the lack of availability is making it hard to find the house of your dreams in the area you desire. Our Purchase Remodel loan is the perfect solution to this problem because you can find a home in the neighborhood of your choice with the additional funds to customize the home to your liking. Even better, with this loan the planned improvements can be added to the appraised value giving you more borrowing power! Purchase Remodel Rates ALL LOAN TYPES Accessory Dwelling Units, or ADUs* as they are commonly known, are growing in popularity as many of our local municipalities make planning, zoning and permitting changes to make them easier to build and a more affordable housing option. ADU’s make for a great home office, a guesthouse for visitors, an income-producing rental, or a space for multi-generational living. With the cost of ADUs varying somewhere between $100,000 to $200,000 depending on size and finishes, we’ve developed six different loan options to meet your needs. *Accessory Dwelling Unit (ADU) financing is available on properties located in Thurston, Mason and Lew”

“Buying a home is one of the most important financial decisions a person will make in their lifetime. Are you starting a family? Do you have a steady job or are you looking at a new career move? These questions are important as they help you decide your budget, what kind of property you need&hellip; Read More Connect with OlyFed (360) 754-3400 Expand/Collapse Contact Us Lost or Stolen Card Locations Our Team Careers Holiday Closures How Was Your Experience? Digital Expand/Collapse Personal Online Enrollment Business Online Enrollment Rates FAQ &#038; Support Download Apps Expand/Collapse OlyFed Mobile Mobile Banking for iOS Mobile Banking for Android Routing Number 325170822 Resources Expand/Collapse Forms, Apps &#038; Documents Learning Center Large Balance Insured Accounts Financial Calculators Statement of Condition Community Reinvestment Act (CRA) Public File Contactless Cards Website Accessibility Privacy Policy Copyright 2026 Olympia Federal Savings All Rights Reserved. Facebook Instagram Youtube LinkedIn Member FDIC Equal Housing Lender Open an Account Login Log In Forgot Password? Forgot Login ID? Personal Enrollment Business Enrollment Download Mobile App Search for: Search Community Why OlyFed What's a Mutual Our Culture Our History Your Team Careers Community Investments News &#038; Insights Community Events Financial Education Digital Digital Banking OlyFed Mobile Credit Score Tracking Card Control Digital Security Digital Education Digital Banking User Guide Business Digital Banking User Guide Meet Your Digital Team Personal Checking Affinity Card Program Savings CDs &#038; IRAs Health Savings Accounts Youth Accounts Personal Loans Credit Cards Debit Cards Banking Services Home Loans Loan Officers Mortgage Options Construction Loans ADU Financing Home Equity Loans Affordable Homebuyer Program First-Time Homebuyer Program Green Loans Homebuyer Education Business Business Banking Business Services Business Digital Banking Nonprofit Banking Business Credit Cards Commercial Real Estate Business Lending Customer Testimonials Meet Your Business Team Wealth Management Rates Locations ATMs Routing Number - 325170822 (360) 754-3400 Facebook Instagram Youtube LinkedIn”

“Commercial Real Estate”

“Commercial Real Estate”

“Commercial Real Estate”

“Construction Loans”

“Construction Loans”

“Construction Loans”

“Craftsmanship is just as important with your loan as it is with the construction of your new home. With an eye for detail, we design our construction loans to meet your financial needs so you can rest comfortably in your new home for years to come. In fact, many of the first homes built in the South Sound were constructed with the care and support of an OlyFed loan. With 119 years of local lending experience, we’ve developed the knowledge and expertise to help generations of families build community, traditions and memories under one roof. OlyFed works with the BUILT platform for faster draws, less friction and complete visibility. Create A BUILT Draw Ticket”

“First-Time Construction Buyers: Enjoy a loan fee half that of our traditional mortgage.”

“Our team of noncommissioned Loan Officers live and work in this shared place we all call home, which means they know the ins and outs of our area market and are well-connected with our local builder community. Consider speaking with a Loan Officer to set you on the road that&#8217;s right for you. Talk with a Loan Officer”

“We know both a solid foundation for your home, and your financial future starts by working with someone you trust, and who has the experience to deliver on your vision. What starts at OlyFed stays at OlyFed: We don’t sell our loans to third parties – that’d be like selling our relationship with you! We assure top-quality service by providing it ourselves. Everyone gets the same great rate: No risk-based pricing with our home loans, you’ll get our advertised rate regardless of credit score. People, not computers, decide: We click “delete” on automated underwriting with our construction loans. We believe actual humans make better lending decisions. You’ll always get the best deal before closing: We hold your rate at application, but if a better number comes along, no worries; it’s yours. Start building with as little as 5% down: We lend up to 95% LTC (Loan to Cost) on owner-occupied homes built with a licensed contractor. First-Time Construction Buyers: Enjoy a loan fee half that of our traditional mortgage. All in one financing : We roll construction costs and permanent financing into one convenient package and we close up-front on permanent financing. No need to refinance upon home completion and pay additional closing costs or take the risk of interest rates being higher. Jumbo Loans – You need $900,000 or more? We got this with competitive jumbo rates with as little as 10% down. Our neighbor-helping-neighbor business model: Each time we close a new mortgage loan for a customer purchasing or constructing a new home, we make a contribution to our Neighbor2Neighbor Fund in their honor.”