Ellensburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ellensburg averaged
6.93%
for the week of 2024-04-18, compared to the national average of
7.1% for the same period.
The average rate for the prior week (2024-04-11) was
6.61% and
one month ago for the week of 2024-03-14, the
average rate was 6.67%.
Ellensburg's average rate one year ago was 6.3%.
For refis of the same type during the week of 2024-04-18, the average rate
was 7.6%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-04-18 | 7.1% |
| Ellensburg 30 Year Fixed Rate | 2024-04-18 | 6.93% |
| Ellensburg 30 Year Fixed Rate Refi | 2024-04-18 | 7.6% |
| Ellensburg 15 Year Fixed Rate | 2024-04-18 | 6.49% |
| Ellensburg 15 Year Fixed Rate Refi | 2024-04-18 | 6.79% |
| Ellensburg 30 Year FHA | 2024-04-18 | 7.06% |
| Ellensburg 30 Year FHA Refi | 2024-04-18 | 6.76% |
| Ellensburg 30 Year USDA | 2024-04-18 | 6.86% |
| Ellensburg 30 Year USDA Refi | 2024-04-18 | 7.06% |
| Ellensburg 30 Year VA | 2024-04-18 | 6.76% |
| Ellensburg 30 Year VA Refi | 2024-04-18 | 6.96% |
Ellensburg Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Ellensburg, WA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Ellensburg Average Closing Costs & Other Stats
Ellensburg, WA's 101 lenders originated 1,004
loans during 2023. The total origination value was $445,530,000, with an average loan value of
$443,755.
Ellensburg's average closing costs are $6,141.
The top Ellensburg lender as defined by loan originations is U.S. Bank, with
42 loans originated. Their average total fees are
$10,869, which is $6,884
higher than the next largest lender,
DHI MORTGAGE COMPANY, LTD..
The lowest fee Ellensburg lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,985), Cashmere Valley Bank ($4,062), Boeing Employees Credit Union ($6,541), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,706) and CROSSCOUNTRY MORTGAGE, LLC ($7,358).
The lowest rate Ellensburg lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.69%), JPMorgan Chase Bank (6.35%), U.S. Bank (6.38%), Umpqua Bank (6.62%) and UNITED WHOLESALE MORTGAGE, LLC (6.65%).
Ellensburg, WA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| U.S. Bank | $71,075,000 | $39,380,000 | -44.6% | 8.8% |
| Umpqua Bank | $86,285,000 | $25,530,000 | -70.4% | 5.7% |
| DHI MORTGAGE COMPANY, LTD. | $11,060,000 | $23,655,000 | 113.9% | 5.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $14,590,000 | $19,100,000 | 30.9% | 4.3% |
| CORNERSTONE HOME LENDING, INC. | $23,320,000 | $17,445,000 | -25.2% | 3.9% |
| Boeing Employees Credit Union | $28,455,000 | $17,115,000 | -39.9% | 3.8% |
| QUICKEN LOANS, LLC | $26,275,000 | $13,180,000 | -49.8% | 3.0% |
| 1st Security Bank of Washington | $10,725,000 | $13,050,000 | 21.7% | 2.9% |
| ACADEMY MORTGAGE CORPORATION | $20,795,000 | $12,865,000 | -38.1% | 2.9% |
| JPMorgan Chase Bank | $18,385,000 | $12,500,000 | -32.0% | 2.8% |
| MOVEMENT MORTGAGE, LLC | $8,110,000 | $11,985,000 | 47.8% | 2.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $19,855,000 | $10,490,000 | -47.2% | 2.4% |
| Washington Federal Bank | $34,250,000 | $10,185,000 | -70.3% | 2.3% |
| Coastal Community Bank | $9,905,000 | n/a | 2.2% | |
| Bank of America | $14,190,000 | $9,555,000 | -32.7% | 2.1% |
| Banner Bank | $17,105,000 | $9,275,000 | -45.8% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $19,535,000 | $9,045,000 | -53.7% | 2.0% |
| CMG MORTGAGE, INC. | $3,405,000 | $7,655,000 | 124.8% | 1.7% |
| Washington Trust Bank | $3,005,000 | $6,595,000 | 119.5% | 1.5% |
| Wells Fargo Bank | $13,435,000 | $5,985,000 | -55.5% | 1.3% |
| GUILD MORTGAGE COMPANY | $9,375,000 | $5,485,000 | -41.5% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $8,920,000 | $5,125,000 | -42.5% | 1.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $25,015,000 | $4,750,000 | -81.0% | 1.1% |
| NFM, INC. | $1,565,000 | $4,670,000 | 198.4% | 1.0% |
| WASHINGTON STATE EMPLOYEES Credit Union | $6,425,000 | $4,560,000 | -29.0% | 1.0% |
| Cashmere Valley Bank | $11,005,000 | $3,815,000 | -65.3% | 0.9% |
| Morgan Stanley Private Bank | $14,570,000 | $3,780,000 | -74.1% | 0.8% |
| GESA | $2,240,000 | $3,700,000 | 65.2% | 0.8% |
| Timberland Bank | $2,300,000 | $3,605,000 | 56.7% | 0.8% |
| Yakima Federal Savings and Loan Association | $9,265,000 | $3,385,000 | -63.5% | 0.8% |
| First Financial Northwest Bank | $3,190,000 | n/a | 0.7% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $15,625,000 | $3,160,000 | -79.8% | 0.7% |
| First-Citizens Bank & Trust Company | $1,415,000 | $2,980,000 | 110.6% | 0.7% |
| Mortgage Research Center, LLC | $2,395,000 | $2,920,000 | 21.9% | 0.7% |
| KeyBank | $16,120,000 | $2,720,000 | -83.1% | 0.6% |
| HomeStreet Bank | $7,640,000 | $2,650,000 | -65.3% | 0.6% |
| First Federal Savings and Loan Association of Port Angeles | $3,335,000 | $2,635,000 | -21.0% | 0.6% |
| ON Q FINANCIAL, INC. | $2,535,000 | n/a | 0.6% | |
| BAY EQUITY LLC | $5,160,000 | $2,530,000 | -51.0% | 0.6% |
| NEWREZ LLC | $2,495,000 | n/a | 0.6% | |
| PENNYMAC LOAN SERVICES, LLC | $4,910,000 | $2,455,000 | -50.0% | 0.6% |
| LOANDEPOT.COM, LLC | $9,575,000 | $2,190,000 | -77.1% | 0.5% |
| HOMEXPRESS MORTGAGE CORP. | $2,005,000 | n/a | 0.5% | |
| SOUND | $815,000 | $1,950,000 | 139.3% | 0.4% |
| RF Renovo Management Company, LLC | $1,935,000 | n/a | 0.4% | |
| LIMA ONE CAPITAL, LLC | $1,910,000 | n/a | 0.4% | |
| MLD MORTGAGE INC. | $1,045,000 | $1,870,000 | 78.9% | 0.4% |
| Toyota Financial Savings Bank | $1,765,000 | n/a | 0.4% | |
| Citadel Servicing Corporation | $560,000 | $1,755,000 | 213.4% | 0.4% |
| Presidential Bank, FSB | $1,755,000 | n/a | 0.4% | |
| Citibank | $1,885,000 | $1,715,000 | -9.0% | 0.4% |
| BMO Harris Bank | $1,675,000 | n/a | 0.4% | |
| Bethpage Federal Credit Union | $500,000 | $1,650,000 | 230.0% | 0.4% |
| UBS Bank USA | $5,095,000 | $1,650,000 | -67.6% | 0.4% |
| Zions Bank | $1,525,000 | $1,615,000 | 5.9% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $605,000 | $1,585,000 | 162.0% | 0.4% |
| CALIBER HOME LOANS, INC. | $32,830,000 | $1,530,000 | -95.3% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $1,510,000 | n/a | 0.3% | |
| Heritage Bank | $765,000 | $1,480,000 | 93.5% | 0.3% |
| Potlatch No. 1 Financial Credit Union | $2,640,000 | $1,475,000 | -44.1% | 0.3% |
| DIRECTORS MORTGAGE, INC. | $2,630,000 | $1,415,000 | -46.2% | 0.3% |
| MOUNTAIN AMERICA | $710,000 | $1,400,000 | 97.2% | 0.3% |
| THE MORTGAGE LINK, INC. | $1,365,000 | n/a | 0.3% | |
| BETTER MORTGAGE CORPORATION | $1,690,000 | $1,275,000 | -24.6% | 0.3% |
| CARDINAL FINANCIAL | $6,260,000 | $1,240,000 | -80.2% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $1,930,000 | $1,230,000 | -36.3% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $1,115,000 | n/a | 0.3% | |
| DAS Acquisition Company, LLC | $1,655,000 | $1,105,000 | -33.2% | 0.2% |
| Charles Schwab Bank, SSB | $6,390,000 | $1,085,000 | -83.0% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,060,000 | n/a | 0.2% | |
| PNC Bank | $4,915,000 | $1,060,000 | -78.4% | 0.2% |
| LENDSURE MORTGAGE CORP. | $1,740,000 | $1,055,000 | -39.4% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $400,000 | $1,030,000 | 157.5% | 0.2% |
| First Republic Bank | $945,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,035,000 | $920,000 | -11.1% | 0.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $500,000 | $900,000 | 80.0% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $740,000 | $885,000 | 19.6% | 0.2% |
| NexBank | $2,225,000 | $860,000 | -61.3% | 0.2% |
| GUARANTEED RATE, INC. | $5,195,000 | $840,000 | -83.8% | 0.2% |
| Prosperity Home Mortgage, LLC | $830,000 | n/a | 0.2% | |
| FREEDOM MORTGAGE CORPORATION | $2,300,000 | $815,000 | -64.6% | 0.2% |
| SAMMAMISH MORTGAGE COMPANY | $1,915,000 | $810,000 | -57.7% | 0.2% |
| BROKER SOLUTIONS, INC. | $3,540,000 | $805,000 | -77.3% | 0.2% |
| MORTGAGE EXPRESS, LLC | $790,000 | n/a | 0.2% | |
| Willamette Valley Bank | $755,000 | n/a | 0.2% | |
| EVERETT FINANCIAL, INC. | $275,000 | $725,000 | 163.6% | 0.2% |
| Plains Commerce Bank | $725,000 | n/a | 0.2% | |
| TJC Mortgage, Inc. | $725,000 | n/a | 0.2% | |
| Cornerstone First Mortgage, Inc | $195,000 | $715,000 | 266.7% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $715,000 | n/a | 0.2% | |
| NUMERICA CREDIT UNION | $160,000 | $710,000 | 343.8% | 0.2% |
| First Horizon Bank | $2,290,000 | $685,000 | -70.1% | 0.2% |
| MORTGAGE LENDING GROUP LLC | $665,000 | n/a | 0.1% | |
| SaviBank | $635,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $650,000 | $635,000 | -2.3% | 0.1% |
| FIRST TECHNOLOGY | $4,210,000 | $610,000 | -85.5% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $355,000 | $590,000 | 66.2% | 0.1% |
| Peoples Bank | $105,000 | $590,000 | 461.9% | 0.1% |
| OCMBC, INC. | $585,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $2,050,000 | $570,000 | -72.2% | 0.1% |
| Solarity Credit Union | $9,470,000 | $560,000 | -94.1% | 0.1% |
| Northwest Farm Credit Services, FLCA | $2,920,000 | $555,000 | -81.0% | 0.1% |
| JMAC LENDING, INC. | $535,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $770,000 | $525,000 | -31.8% | 0.1% |
| S1L, Inc. | $425,000 | $525,000 | 23.5% | 0.1% |
| Discover Bank | $140,000 | $510,000 | 264.3% | 0.1% |
| Northpointe Bank | $475,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $435,000 | n/a | 0.1% | |
| HomeTrust Bank | $290,000 | $435,000 | 50.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,645,000 | $435,000 | -83.6% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $305,000 | $425,000 | 39.3% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $415,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $560,000 | $415,000 | -25.9% | 0.1% |
| Alaska USA Federal Credit Union | $3,655,000 | $410,000 | -88.8% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $405,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $790,000 | $405,000 | -48.7% | 0.1% |
| PENRITH HOME LOANS LLC | $790,000 | $405,000 | -48.7% | 0.1% |
| ADVANCIAL | $385,000 | $395,000 | 2.6% | 0.1% |
| Citizens Bank | $640,000 | $395,000 | -38.3% | 0.1% |
| IDAHO CENTRAL | $380,000 | $380,000 | 0.0% | 0.1% |
| GEORGIA'S OWN | $740,000 | $375,000 | -49.3% | 0.1% |
| NBKC BANK | $1,250,000 | $375,000 | -70.0% | 0.1% |
| OnPoint Community Credit Union | $305,000 | $375,000 | 23.0% | 0.1% |
| Deere Employees Credit Union | $740,000 | $370,000 | -50.0% | 0.1% |
| HARBORSTONE | $345,000 | n/a | 0.1% | |
| COLUMBIA COMMUNITY CREDIT UNION | $275,000 | $325,000 | 18.2% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,355,000 | $325,000 | -76.0% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,165,000 | $325,000 | -85.0% | 0.1% |
| GSF Mortgage Corporation | $305,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $275,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $245,000 | $255,000 | 4.1% | 0.1% |
| SALAL | $565,000 | $255,000 | -54.9% | 0.1% |
| Commerce Home Mortgage, Inc. | $245,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $245,000 | n/a | 0.1% | |
| LO, INC. | $245,000 | n/a | 0.1% | |
| SPOKANE TEACHERS | $1,505,000 | $225,000 | -85.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $265,000 | $215,000 | -18.9% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $210,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $630,000 | $185,000 | -70.6% | 0.0% |
| LENDINGONE, LLC | $175,000 | n/a | 0.0% | |
| MARION AND POLK SCHOOLS CREDIT UNION | $1,160,000 | $175,000 | -84.9% | 0.0% |
| OPEN MORTGAGE, LLC | $445,000 | $175,000 | -60.7% | 0.0% |
| Figure Lending LLC | $550,000 | $160,000 | -70.9% | 0.0% |
| VERITY | $145,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $125,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $4,860,000 | $125,000 | -97.4% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $1,005,000 | $105,000 | -89.6% | 0.0% |
| RED CANOE CREDIT UNION | $105,000 | n/a | 0.0% | |
| TAPCO Credit Union | $85,000 | $105,000 | 23.5% | 0.0% |
| Wheatland Bank | $85,000 | n/a | 0.0% | |
| CANVAS CREDIT UNION | $75,000 | n/a | 0.0% | |
| First Interstate Bank | $3,660,000 | $65,000 | -98.2% | 0.0% |
| iQ Credit Union | $65,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $625,000 | $65,000 | -89.6% | 0.0% |
| HORIZON | $55,000 | n/a | 0.0% | |
| HAPO COMMUNITY CREDIT UNION | $1,950,000 | $35,000 | -98.2% | 0.0% |
Ellensburg's top lender by overall market share is U.S. Bank, with 8.8% market share. In second place, with 5.7%, is Umpqua Bank, having originated $25,530,000 in loans. In third place, with 5.3%, is DHI MORTGAGE COMPANY, LTD., having originated $23,655,000 in loans. In fourth place, with 4.3%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $19,100,000 in loans. In fifth place, with 3.9%, is CORNERSTONE HOME LENDING, INC., having originated $17,445,000 in loans.
Ellensburg Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Ellensburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $383,750 (-2.2%) | $512,916 (-7.5%) | 0.00 | 87 |
| 2018-02-01 | $387,000 (0.3%) | $519,535 (-5.9%) | 0.00 | 74 |
| 2018-03-01 | $399,475 (11.9%) | $523,879 (-4.9%) | 0.00 | 84 |
| 2018-04-01 | $404,250 (10.8%) | $541,873 (-1.7%) | 0.00 | 111 |
| 2018-05-01 | $438,248 (9.4%) | $580,159 (7.2%) | 0.00 | 133 |
| 2018-06-01 | $419,950 (-2.8%) | $591,419 (5.0%) | 0.00 | 176 |
| 2018-07-01 | $408,963 (-9.0%) | $694,283 (21.9%) | 0.00 | 192 |
| 2018-08-01 | $407,475 (-9.3%) | $699,171 (30.2%) | 0.00 | 188 |
| 2018-09-01 | $399,000 (-9.1%) | $664,421 (22.3%) | 0.00 | 228 |
| 2018-10-01 | $395,100 (-4.2%) | $671,017 (25.3%) | 0.00 | 215 |
| 2018-11-01 | $396,725 (-2.6%) | $673,308 (26.1%) | 0.00 | 189 |
| 2018-12-01 | $399,000 (3.6%) | $707,831 (43.6%) | 0.00 | 157 |
| 2019-01-01 | $403,337 (5.1%) | $756,908 (47.6%) | 0.00 | 125 |
| 2019-02-01 | $428,750 (10.8%) | $822,593 (58.3%) | 0.00 | 108 |
| 2019-03-01 | $436,429 (9.3%) | $810,945 (54.8%) | 0.00 | 122 |
| 2019-04-01 | $432,416 (7.0%) | $774,497 (42.9%) | 0.00 | 147 |
| 2019-05-01 | $448,000 (2.2%) | $792,148 (36.5%) | 0.00 | 165 |
| 2019-06-01 | $424,975 (1.2%) | $756,260 (27.9%) | 0.00 | 192 |
| 2019-07-01 | $414,475 (1.4%) | $749,125 (7.9%) | 0.00 | 196 |
| 2019-08-01 | $413,675 (1.5%) | $744,713 (6.5%) | 0.00 | 193 |
| 2019-09-01 | $405,688 (1.7%) | $747,483 (12.5%) | 0.00 | 189 |
| 2019-10-01 | $399,238 (1.1%) | $741,337 (10.5%) | 0.00 | 185 |
| 2019-11-01 | $404,475 (2.0%) | $804,590 (19.5%) | 0.00 | 145 |
| 2019-12-01 | $395,000 (-1.0%) | $906,236 (28.0%) | 0.00 | 112 |
| 2020-01-01 | $395,000 (-2.1%) | $955,607 (26.3%) | 0.00 | 85 |
| 2020-02-01 | $395,000 (-7.9%) | $963,929 (17.2%) | 0.00 | 79 |
| 2020-03-01 | $427,488 (-2.1%) | $861,677 (6.3%) | 0.00 | 101 |
| 2020-04-01 | $435,000 (0.6%) | $797,957 (3.0%) | 0.00 | 115 |
| 2020-05-01 | $424,925 (-5.2%) | $811,599 (2.5%) | 0.00 | 117 |
| 2020-06-01 | $459,725 (8.2%) | $814,120 (7.7%) | 0.00 | 131 |
| 2020-07-01 | $506,235 (22.1%) | $938,933 (25.3%) | 0.00 | 125 |
| 2020-08-01 | $539,999 (30.5%) | $947,672 (27.3%) | 0.00 | 128 |
| 2020-09-01 | $539,749 (33.1%) | $1,006,703 (34.7%) | 0.00 | 118 |
| 2020-10-01 | $554,500 (38.9%) | $1,041,855 (40.5%) | 0.00 | 109 |
| 2020-11-01 | $594,500 (47.0%) | $1,267,192 (57.5%) | 0.00 | 66 |
| 2020-12-01 | $612,000 (54.9%) | $1,371,229 (51.3%) | 0.00 | 44 |
| 2021-01-01 | $699,000 (77.0%) | $1,710,049 (79.0%) | 0.00 | 35 |
| 2021-02-01 | $494,250 (25.1%) | $1,695,657 (75.9%) | 0.00 | 34 |
| 2021-03-01 | $488,745 (14.3%) | $1,651,667 (91.7%) | 0.00 | 35 |
| 2021-04-01 | $540,000 (24.1%) | $1,450,029 (81.7%) | 0.00 | 43 |
| 2021-05-01 | $525,000 (23.6%) | $1,267,091 (56.1%) | 0.00 | 63 |
| 2021-06-01 | $538,735 (17.2%) | $1,157,454 (42.2%) | 0.00 | 87 |
| 2021-07-01 | $599,995 (18.5%) | $1,091,194 (16.2%) | 0.00 | 109 |
| 2021-08-01 | $633,000 (17.2%) | $1,178,492 (24.4%) | 0.00 | 114 |
| 2021-09-01 | $643,499 (19.2%) | $1,149,173 (14.2%) | 0.00 | 113 |
| 2021-10-01 | $650,000 (17.2%) | $1,181,832 (13.4%) | 0.00 | 103 |
| 2021-11-01 | $636,750 (7.1%) | $1,260,290 (-0.5%) | 0.00 | 86 |
| 2021-12-01 | $650,750 (6.3%) | $1,353,377 (-1.3%) | 0.00 | 66 |
| 2022-01-01 | $734,745 (5.1%) | $1,719,880 (0.6%) | 0.00 | 40 |
| 2022-02-01 | $764,995 (54.8%) | $1,854,731 (9.4%) | 0.00 | 32 |
| 2022-03-01 | $950,499 (94.5%) | $2,031,258 (23.0%) | 0.00 | 30 |
| 2022-04-01 | $839,000 (55.4%) | $1,755,140 (21.0%) | 0.00 | 51 |
| 2022-05-01 | $756,750 (44.1%) | $1,335,854 (5.4%) | 0.00 | 78 |
| 2022-06-01 | $817,500 (51.7%) | $1,221,690 (5.6%) | 0.00 | 134 |
| 2022-07-01 | $749,000 (24.8%) | $1,155,650 (5.9%) | 0.00 | 153 |
| 2022-08-01 | $691,213 (9.2%) | $961,923 (-18.4%) | 0.00 | 158 |
| 2022-09-01 | $691,213 (7.4%) | $977,966 (-14.9%) | 0.00 | 143 |
| 2022-10-01 | $699,475 (7.6%) | $1,035,509 (-12.4%) | 0.00 | 152 |
| 2022-11-01 | $690,725 (8.5%) | $1,020,120 (-19.1%) | 0.00 | 152 |
| 2022-12-01 | $704,750 (8.3%) | $1,042,386 (-23.0%) | 0.00 | 124 |
| 2023-01-01 | $734,713 (0.0%) | $1,044,715 (-39.3%) | 0.00 | 105 |
| 2023-02-01 | $689,000 (-9.9%) | $1,028,447 (-44.6%) | 0.00 | 91 |
| 2023-03-01 | $762,488 (-19.8%) | $1,204,180 (-40.7%) | 0.00 | 93 |
| 2023-04-01 | $780,000 (-7.0%) | $1,190,514 (-32.2%) | 0.00 | 107 |
| 2023-05-01 | $799,725 (5.7%) | $1,135,425 (-15.0%) | 0.00 | 136 |
| 2023-06-01 | $779,500 (-4.7%) | $1,138,229 (-6.8%) | 0.00 | 181 |
| 2023-07-01 | $749,950 (0.1%) | $1,094,371 (-5.3%) | 0.00 | 213 |
| 2023-08-01 | $719,963 (4.2%) | $1,061,168 (10.3%) | 0.00 | 210 |
| 2023-09-01 | $699,950 (1.3%) | $985,063 (0.7%) | 0.00 | 207 |
| 2023-10-01 | $729,238 (4.3%) | $989,124 (-4.5%) | 0.00 | 194 |
| 2023-11-01 | $749,988 (8.6%) | $1,080,209 (5.9%) | 0.00 | 227 |
| 2023-12-01 | $695,000 (-1.4%) | $1,077,083 (3.3%) | 0.00 | 192 |
| 2024-01-01 | $693,474 (-5.6%) | $1,097,903 (5.1%) | 0.00 | 154 |
| 2024-02-01 | $704,725 (2.3%) | $1,086,600 (5.7%) | 0.00 | 137 |
| 2024-03-01 | $749,950 (-1.6%) | $1,079,497 (-10.4%) | 0.00 | 158 |
Ellensburg's median listing price comes in at 0% of the national average.
Ellensburg's average listing price for 2024-03-01 was $1,079,497, a difference of $-124,683 (-10.4%) versus the prior year and $-7,103 versus the prior month.
For the 2024-03-01 period, Ellensburg had 158 MLS listings, a difference of 21 listings (15%) versus the prior month and 65 listings (70%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Ellensburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,898 sqft |
| 2018-02-01 | 0 days | 1,956 sqft |
| 2018-03-01 | 0 days | 2,010 sqft |
| 2018-04-01 | 0 days | 1,972 sqft |
| 2018-05-01 | 0 days | 2,106 sqft |
| 2018-06-01 | 0 days | 1,989 sqft |
| 2018-07-01 | 0 days | 1,858 sqft |
| 2018-08-01 | 0 days | 1,948 sqft |
| 2018-09-01 | 0 days | 2,043 sqft |
| 2018-10-01 | 0 days | 2,042 sqft |
| 2018-11-01 | 0 days | 2,042 sqft |
| 2018-12-01 | 0 days | 2,106 sqft |
| 2019-01-01 | 0 days | 2,116 sqft |
| 2019-02-01 | 0 days | 2,119 sqft |
| 2019-03-01 | 0 days | 2,069 sqft |
| 2019-04-01 | 0 days | 2,039 sqft |
| 2019-05-01 | 0 days | 2,081 sqft |
| 2019-06-01 | 0 days | 1,949 sqft |
| 2019-07-01 | 0 days | 1,873 sqft |
| 2019-08-01 | 0 days | 1,884 sqft |
| 2019-09-01 | 0 days | 1,856 sqft |
| 2019-10-01 | 0 days | 1,818 sqft |
| 2019-11-01 | 0 days | 1,913 sqft |
| 2019-12-01 | 0 days | 1,777 sqft |
| 2020-01-01 | 0 days | 1,724 sqft |
| 2020-02-01 | 0 days | 1,809 sqft |
| 2020-03-01 | 0 days | 1,898 sqft |
| 2020-04-01 | 0 days | 1,850 sqft |
| 2020-05-01 | 0 days | 1,976 sqft |
| 2020-06-01 | 0 days | 1,938 sqft |
| 2020-07-01 | 0 days | 2,065 sqft |
| 2020-08-01 | 0 days | 2,200 sqft |
| 2020-09-01 | 0 days | 2,182 sqft |
| 2020-10-01 | 0 days | 2,150 sqft |
| 2020-11-01 | 0 days | 2,049 sqft |
| 2020-12-01 | 0 days | 2,069 sqft |
| 2021-01-01 | 0 days | 2,418 sqft |
| 2021-02-01 | 0 days | 2,082 sqft |
| 2021-03-01 | 0 days | 1,853 sqft |
| 2021-04-01 | 0 days | 1,869 sqft |
| 2021-05-01 | 0 days | 1,782 sqft |
| 2021-06-01 | 0 days | 1,809 sqft |
| 2021-07-01 | 0 days | 2,091 sqft |
| 2021-08-01 | 0 days | 2,198 sqft |
| 2021-09-01 | 0 days | 2,139 sqft |
| 2021-10-01 | 0 days | 2,162 sqft |
| 2021-11-01 | 0 days | 2,106 sqft |
| 2021-12-01 | 0 days | 2,147 sqft |
| 2022-01-01 | 0 days | 2,209 sqft |
| 2022-02-01 | 0 days | 2,460 sqft |
| 2022-03-01 | 0 days | 2,528 sqft |
| 2022-04-01 | 0 days | 2,219 sqft |
| 2022-05-01 | 0 days | 2,114 sqft |
| 2022-06-01 | 0 days | 2,055 sqft |
| 2022-07-01 | 0 days | 2,009 sqft |
| 2022-08-01 | 0 days | 1,957 sqft |
| 2022-09-01 | 0 days | 2,019 sqft |
| 2022-10-01 | 0 days | 2,252 sqft |
| 2022-11-01 | 0 days | 2,271 sqft |
| 2022-12-01 | 0 days | 2,268 sqft |
| 2023-01-01 | 0 days | 2,219 sqft |
| 2023-02-01 | 0 days | 2,114 sqft |
| 2023-03-01 | 0 days | 2,243 sqft |
| 2023-04-01 | 0 days | 2,245 sqft |
| 2023-05-01 | 0 days | 2,266 sqft |
| 2023-06-01 | 0 days | 2,269 sqft |
| 2023-07-01 | 0 days | 2,206 sqft |
| 2023-08-01 | 0 days | 2,152 sqft |
| 2023-09-01 | 0 days | 2,029 sqft |
| 2023-10-01 | 0 days | 2,010 sqft |
| 2023-11-01 | 0 days | 2,120 sqft |
| 2023-12-01 | 0 days | 2,135 sqft |
| 2024-01-01 | 0 days | 2,135 sqft |
| 2024-02-01 | 0 days | 2,081 sqft |
| 2024-03-01 | 0 days | 2,135 sqft |
Ellensburg's median square footage for active listings during the 2024-03-01 period was 2,135 sqft. One year prior, the average listing was 2,243 sqft.
Ellensburg, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 625 | $343,425,000 | $549,480 |
| Home Improvement | 107 | $16,105,000 | $150,514 |
| Other | 98 | $19,060,000 | $194,490 |
| Cash Out Refi | 91 | $34,165,000 | $375,440 |
| Refi | 83 | $32,775,000 | $394,880 |
Ellensburg's most frequently cited loan purpose was Home Purchase, with 625 originations. The 2nd most popular reason was Home Improvement, with 107 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 339 | $182,345,000 | $537,891 |
| 7-8% | 232 | $101,660,000 | $438,190 |
| Over 8% | 212 | $56,150,000 | $264,858 |
| 5-6% | 161 | $89,705,000 | $557,174 |
| 4-5% | 43 | $10,405,000 | $241,977 |
| <2.5% | 4 | $400,000 | $100,000 |
| 3-4% | 2 | $740,000 | $370,000 |
During 2023, Ellensburg's most frequently originated rate bucket was 6-7%, with 339 originations.
Loan Sizing (Ellensburg, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 319 | $97,955,000 | $307,069 |
| $400k-600k | 237 | $112,325,000 | $473,945 |
| $100k-200k | 136 | $18,820,000 | $138,382 |
| $100,000 or less | 120 | $6,920,000 | $57,667 |
| $600k-1000k | 112 | $82,350,000 | $735,268 |
| $Over $1MM | 80 | $127,160,000 | $1,589,500 |
Ellensburg's loan sizing saw the bucket of loans from $200k-400k with 319 originations, totaling $97,955,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 287 | $193,005,000 | $672,491 |
| 80-100% | 272 | $136,100,000 | $500,368 |
| Under 20% | 174 | $16,610,000 | $95,460 |
| 20-40% | 138 | $38,820,000 | $281,304 |
| 40-60% | 119 | $53,625,000 | $450,630 |
| Over 100% | 4 | $1,730,000 | $432,500 |
Ellensburg's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 287 originations, totaling $193,005,000 in origination value.