Ellensburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ellensburg averaged
6.42%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.62% and
one month ago for the week of 2025-05-29, the
average rate was 6.84%.
Ellensburg's average rate one year ago was 6.61%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Ellensburg 30 Year Fixed Rate | 2025-07-03 | 6.42% |
| Ellensburg 30 Year Fixed Rate Refi | 2025-07-03 | 6.87% |
| Ellensburg 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Ellensburg 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Ellensburg 30 Year FHA | 2025-07-03 | -0.58% |
| Ellensburg 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Ellensburg 30 Year USDA | 2025-07-03 | 0.2% |
| Ellensburg 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Ellensburg 30 Year VA | 2025-07-03 | -0.2% |
| Ellensburg 30 Year VA Refi | 2025-07-03 | 0.1% |
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 1,228
loans during 2024. The total origination value was $563,500,000, with an average loan value of
$458,876.
Ellensburg's average closing costs are $6,426.
The top Ellensburg lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
59 loans originated. Their average total fees are
$3,390, which is $8,335
lower than the next largest lender,
U.S. Bank.
The lowest fee Ellensburg lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,390), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,432), CMG MORTGAGE, INC. ($7,104), Boeing Employees Credit Union ($7,829) and 1st Security Bank of Washington ($7,874).
The lowest rate Ellensburg lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.61%), GUILD MORTGAGE COMPANY (6.46%), U.S. Bank (6.48%), Boeing Employees Credit Union (6.65%) and CORNERSTONE HOME LENDING, INC. (6.71%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| U.S. Bank | $39,380,000 | $39,185,000 | -0.5% | 7.0% |
| DHI MORTGAGE COMPANY, LTD. | $23,655,000 | $34,170,000 | 44.5% | 6.1% |
| Citibank | $1,715,000 | $33,835,000 | 1,872.9% | 6.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $19,100,000 | $28,490,000 | 49.2% | 5.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $10,490,000 | $24,595,000 | 134.5% | 4.4% |
| CORNERSTONE HOME LENDING, INC. | $17,445,000 | $22,275,000 | 27.7% | 4.0% |
| LOANDEPOT.COM, LLC | $2,190,000 | $21,080,000 | 862.6% | 3.7% |
| MOVEMENT MORTGAGE, LLC | $11,985,000 | $19,615,000 | 63.7% | 3.5% |
| 1st Security Bank of Washington | $13,050,000 | $18,730,000 | 43.5% | 3.3% |
| Boeing Employees Credit Union | $17,115,000 | $17,895,000 | 4.6% | 3.2% |
| Umpqua Bank | $25,530,000 | $17,565,000 | -31.2% | 3.1% |
| GUILD MORTGAGE COMPANY | $5,485,000 | $17,370,000 | 216.7% | 3.1% |
| CMG MORTGAGE, INC. | $7,655,000 | $15,815,000 | 106.6% | 2.8% |
| QUICKEN LOANS, LLC | $13,180,000 | $14,790,000 | 12.2% | 2.6% |
| Washington Federal Bank | $10,185,000 | $13,360,000 | 31.2% | 2.4% |
| Charles Schwab Bank, SSB | $1,085,000 | $10,100,000 | 830.9% | 1.8% |
| Banner Bank | $9,275,000 | $10,055,000 | 8.4% | 1.8% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $4,750,000 | $9,535,000 | 100.7% | 1.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,125,000 | $8,335,000 | 62.6% | 1.5% |
| Wells Fargo Bank | $5,985,000 | $8,300,000 | 38.7% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,045,000 | $7,935,000 | -12.3% | 1.4% |
| Morgan Stanley Private Bank | $3,780,000 | $7,500,000 | 98.4% | 1.3% |
| Cashmere Valley Bank | $3,815,000 | $6,740,000 | 76.7% | 1.2% |
| HomeStreet Bank | $2,650,000 | $5,740,000 | 116.6% | 1.0% |
| JPMorgan Chase Bank | $12,500,000 | $5,725,000 | -54.2% | 1.0% |
| NEWREZ LLC | $2,495,000 | $5,010,000 | 100.8% | 0.9% |
| NFM, INC. | $4,670,000 | $4,955,000 | 6.1% | 0.9% |
| Yakima Federal Savings and Loan Association | $3,385,000 | $4,670,000 | 38.0% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $2,455,000 | $4,600,000 | 87.4% | 0.8% |
| The Loan Store, Inc. | $4,095,000 | n/a | 0.7% | |
| Washington Trust Bank | $6,595,000 | $3,920,000 | -40.6% | 0.7% |
| WASHINGTON STATE EMPLOYEES Credit Union | $4,560,000 | $3,825,000 | -16.1% | 0.7% |
| BROKER SOLUTIONS, INC. | $805,000 | $3,800,000 | 372.0% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $815,000 | $3,300,000 | 304.9% | 0.6% |
| Bank of America | $9,555,000 | $3,260,000 | -65.9% | 0.6% |
| BMO Harris Bank | $1,675,000 | $3,060,000 | 82.7% | 0.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,585,000 | $2,460,000 | 55.2% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $1,510,000 | $2,385,000 | 57.9% | 0.4% |
| Citadel Servicing Corporation | $1,755,000 | $2,340,000 | 33.3% | 0.4% |
| Timberland Bank | $3,605,000 | $2,320,000 | -35.6% | 0.4% |
| RF Renovo Management Company, LLC | $1,935,000 | $2,305,000 | 19.1% | 0.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $325,000 | $2,300,000 | 607.7% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $570,000 | $2,160,000 | 278.9% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $1,230,000 | $2,040,000 | 65.9% | 0.4% |
| KeyBank | $2,720,000 | $2,035,000 | -25.2% | 0.4% |
| FUNDLOANS CAPITAL | $2,005,000 | n/a | 0.4% | |
| GESA | $3,700,000 | $1,800,000 | -51.4% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $1,770,000 | n/a | 0.3% | |
| Heritage Bank | $1,480,000 | $1,730,000 | 16.9% | 0.3% |
| Mortgage Research Center, LLC | $2,920,000 | $1,695,000 | -42.0% | 0.3% |
| NexBank | $860,000 | $1,640,000 | 90.7% | 0.3% |
| First Financial Northwest Bank | $3,190,000 | $1,540,000 | -51.7% | 0.3% |
| LIMA ONE CAPITAL, LLC | $1,910,000 | $1,535,000 | -19.6% | 0.3% |
| BAY EQUITY LLC | $2,530,000 | $1,530,000 | -39.5% | 0.3% |
| Nations Lending Corporation | $1,415,000 | n/a | 0.3% | |
| CANOPY MORTGAGE, LLC | $435,000 | $1,405,000 | 223.0% | 0.2% |
| Solarity Credit Union | $560,000 | $1,405,000 | 150.9% | 0.2% |
| BETTER MORTGAGE CORPORATION | $1,275,000 | $1,300,000 | 2.0% | 0.2% |
| SAMMAMISH MORTGAGE COMPANY | $810,000 | $1,295,000 | 59.9% | 0.2% |
| UBS Bank USA | $1,650,000 | $1,290,000 | -21.8% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $715,000 | $1,215,000 | 69.9% | 0.2% |
| ALLIANT CREDIT UNION | $185,000 | $1,200,000 | 548.6% | 0.2% |
| OnPoint Community Credit Union | $375,000 | $1,200,000 | 220.0% | 0.2% |
| First Interstate Bank | $65,000 | $1,175,000 | 1,707.7% | 0.2% |
| PNC Bank | $1,060,000 | $1,160,000 | 9.4% | 0.2% |
| USAA Federal Savings Bank | $1,135,000 | n/a | 0.2% | |
| Alaska USA Federal Credit Union | $410,000 | $1,110,000 | 170.7% | 0.2% |
| PLANET HOME LENDING, LLC | $415,000 | $1,100,000 | 165.1% | 0.2% |
| AmeriHome Mortgage Company, LLC | $1,060,000 | n/a | 0.2% | |
| SCENIC OAKS FUNDING, INC. | $1,030,000 | n/a | 0.2% | |
| NBKC BANK | $375,000 | $1,020,000 | 172.0% | 0.2% |
| BAY-VALLEY MORTGAGE GROUP | $1,005,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $840,000 | $985,000 | 17.3% | 0.2% |
| RED CANOE CREDIT UNION | $105,000 | $985,000 | 838.1% | 0.2% |
| S1L, Inc. | $525,000 | $980,000 | 86.7% | 0.2% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $975,000 | n/a | 0.2% | |
| Sound Community Bank | $945,000 | n/a | 0.2% | |
| AMERICAN HERITAGE LENDING, INC. | $935,000 | n/a | 0.2% | |
| RESIDENTIAL MORTGAGE, LLC | $910,000 | n/a | 0.2% | |
| TRISTAR FINANCE, INC. | $910,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $435,000 | $900,000 | 106.9% | 0.2% |
| DIRECTORS MORTGAGE, INC. | $1,415,000 | $870,000 | -38.5% | 0.2% |
| Cornerstone First Mortgage, Inc | $715,000 | $860,000 | 20.3% | 0.2% |
| FIRST TECHNOLOGY | $610,000 | $825,000 | 35.2% | 0.1% |
| MLD MORTGAGE INC. | $1,870,000 | $820,000 | -56.1% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $415,000 | $810,000 | 95.2% | 0.1% |
| The Northern Trust Company | $805,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $790,000 | n/a | 0.1% | |
| Northwest Farm Credit Services, FLCA | $555,000 | $765,000 | 37.8% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $755,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $1,105,000 | $740,000 | -33.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,030,000 | $740,000 | -28.2% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $735,000 | n/a | 0.1% | |
| IDAHO CENTRAL | $380,000 | $635,000 | 67.1% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $630,000 | n/a | 0.1% | |
| Peoples Bank | $590,000 | $630,000 | 6.8% | 0.1% |
| Potlatch No. 1 Financial Credit Union | $1,475,000 | $615,000 | -58.3% | 0.1% |
| SPOKANE TEACHERS | $225,000 | $590,000 | 162.2% | 0.1% |
| Figure Lending LLC | $160,000 | $560,000 | 250.0% | 0.1% |
| Firefighters First Federal Credit Union | $125,000 | $550,000 | 340.0% | 0.1% |
| ON Q FINANCIAL, INC. | $2,535,000 | $545,000 | -78.5% | 0.1% |
| Wallick & Volk, Inc. | $545,000 | n/a | 0.1% | |
| Northpointe Bank | $475,000 | $535,000 | 12.6% | 0.1% |
| SUMMIT FUNDING, INC. | $510,000 | n/a | 0.1% | |
| Choice Financial Group | $495,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $920,000 | $480,000 | -47.8% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $465,000 | n/a | 0.1% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $445,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $445,000 | n/a | 0.1% | |
| ARC HOME LLC | $435,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $405,000 | n/a | 0.1% | |
| Discover Bank | $510,000 | $405,000 | -20.6% | 0.1% |
| Glacier Bank | $395,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $635,000 | $395,000 | -37.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $385,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $255,000 | $385,000 | 51.0% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $375,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $375,000 | n/a | 0.1% | |
| BOKF | $345,000 | n/a | 0.1% | |
| Luxury Mortgage Corp. | $345,000 | n/a | 0.1% | |
| THE MORTGAGE LINK, INC. | $1,365,000 | $345,000 | -74.7% | 0.1% |
| GENEVA FINANCIAL, LLC | $325,000 | $335,000 | 3.1% | 0.1% |
| 21ST MORTGAGE CORPORATION | $330,000 | n/a | 0.1% | |
| MORIA DEVELOPMENT, INC. | $305,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $295,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $405,000 | $295,000 | -27.2% | 0.1% |
| Qualstar Credit Union | $285,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $285,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $1,240,000 | $280,000 | -77.4% | 0.0% |
| KITSAP Credit Union | $265,000 | n/a | 0.0% | |
| Logan Finance Corporation | $265,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $255,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $255,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $105,000 | $255,000 | 142.9% | 0.0% |
| SALAL | $255,000 | $250,000 | -2.0% | 0.0% |
| HAPO COMMUNITY CREDIT UNION | $35,000 | $245,000 | 600.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $210,000 | $230,000 | 9.5% | 0.0% |
| Keystone Funding, Inc. | $225,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $590,000 | $205,000 | -65.3% | 0.0% |
| A&D Mortgage LLC | $175,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $215,000 | $175,000 | -18.6% | 0.0% |
| Merchants Mortgage & Trust Corporation | $165,000 | n/a | 0.0% | |
| NorthWest Plus Credit Union | $155,000 | n/a | 0.0% | |
| O BEE | $155,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $525,000 | $150,000 | -71.4% | 0.0% |
| The Huntington National Bank | $135,000 | n/a | 0.0% | |
| NUMERICA CREDIT UNION | $710,000 | $130,000 | -81.7% | 0.0% |
| SKYONE Federal Credit Union | $125,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $65,000 | $125,000 | 92.3% | 0.0% |
| Flagstar Bank, FSB | $75,000 | n/a | 0.0% | |
| HORIZON | $55,000 | $65,000 | 18.2% | 0.0% |
| Service Federal Credit Union | $45,000 | n/a | 0.0% |
Ellensburg's top lender by overall market share is U.S. Bank, with 7.0% market share. In second place, with 6.1%, is DHI MORTGAGE COMPANY, LTD., having originated $34,170,000 in loans. In third place, with 6.0%, is Citibank, having originated $33,835,000 in loans. In fourth place, with 5.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $28,490,000 in loans. In fifth place, with 4.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $24,595,000 in loans.
Ellensburg, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 799 | $406,845,000 | $509,193 |
| Home Improvement | 118 | $51,740,000 | $438,475 |
| Cash Out Refi | 116 | $42,860,000 | $369,483 |
| Other | 100 | $18,420,000 | $184,200 |
| Refi | 95 | $43,635,000 | $459,316 |
Ellensburg's most frequently cited loan purpose was Home Purchase, with 799 originations. The 2nd most popular reason was Home Improvement, with 118 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 423 | $246,735,000 | $583,298 |
| 7-8% | 275 | $137,515,000 | $500,055 |
| Over 8% | 257 | $59,105,000 | $229,981 |
| 5-6% | 192 | $96,730,000 | $503,802 |
| 4-5% | 35 | $13,245,000 | $378,429 |
| <2.5% | 23 | $1,635,000 | $71,087 |
During 2024, Ellensburg's most frequently originated rate bucket was 6-7%, with 423 originations.
Loan Sizing (Ellensburg, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 414 | $129,560,000 | $312,947 |
| $400k-600k | 268 | $128,650,000 | $480,037 |
| $100k-200k | 161 | $22,395,000 | $139,099 |
| $100,000 or less | 149 | $7,845,000 | $52,651 |
| $600k-1000k | 139 | $103,305,000 | $743,201 |
| $Over $1MM | 97 | $171,745,000 | $1,770,567 |
Ellensburg's loan sizing saw the bucket of loans from $200k-400k with 414 originations, totaling $129,560,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 373 | $183,685,000 | $492,453 |
| 60-80% | 337 | $220,595,000 | $654,585 |
| Under 20% | 202 | $18,600,000 | $92,079 |
| 20-40% | 147 | $63,605,000 | $432,687 |
| 40-60% | 128 | $58,480,000 | $456,875 |
| Over 100% | 16 | $7,740,000 | $483,750 |
Ellensburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 373 originations, totaling $183,685,000 in origination value.