Ellensburg Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Ellensburg averaged 5.98% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.85% and one month ago for the week of 2022-05-19, the average rate was 5.52%.

Ellensburg's average rate one year ago was 3.36%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.79%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Ellensburg 30 Year Fixed Rate 2022-06-23 5.98%
Ellensburg 30 Year Fixed Rate Refi 2022-06-23 5.79%
Ellensburg 15 Year Fixed Rate 2022-06-23 5.27%
Ellensburg 15 Year Fixed Rate Refi 2022-06-23 4.92%
Ellensburg 30 Year FHA 2022-06-23 0.04%
Ellensburg 30 Year FHA Refi 2022-06-23 0.18%
Ellensburg 30 Year USDA 2022-06-23 -0.25%
Ellensburg 30 Year USDA Refi 2022-06-23 -0.13%
Ellensburg 30 Year VA 2022-06-23 -0.04%
Ellensburg 30 Year VA Refi 2022-06-23 -0.34%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ellensburg, WA.

Ellensburg Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
CALIBER HOME LOANS, INC. 186 3.18% $4,270
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 120 3.25% $7,387
Umpqua Bank 120 3.17% $5,054
CORNERSTONE HOME LENDING, INC. 116 3.16% $6,158
QUICKEN LOANS, LLC 109 3.00% $4,461
ACADEMY MORTGAGE CORPORATION 82 3.23% $5,801
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 78 3.15% $4,896
U.S. Bank 69 3.08% $6,815
HOMEBRIDGE FINANCIAL SERVICES, INC. 48 3.21% $7,304
Wells Fargo Bank 47 2.99% $4,589
LOANDEPOT.COM, LLC 42 2.98% $4,334
UNITED WHOLESALE MORTGAGE, LLC 39 2.96% $5,343
JPMorgan Chase Bank 38 3.00% $3,797
Solarity Credit Union 31 2.96% $5,193
Cashmere Valley Bank 31 3.32% $2,690
HomeStreet Bank 30 3.19% $7,471
FINANCE OF AMERICA MORTGAGE LLC 30 3.10% $5,711
KeyBank 27 2.66% $4,615
AMERICAN PACIFIC MORTGAGE CORPORATION 26 3.19% $5,899
CROSSCOUNTRY MORTGAGE, LLC 25 3.18% $8,094
GUILD MORTGAGE COMPANY 25 3.11% $5,723
DHI MORTGAGE COMPANY, LTD. 24 2.76% $3,015
BETTER MORTGAGE CORPORATION 20 2.92% $3,903
Flagstar Bank, FSB 20 3.05% $4,433
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 20 3.30% $6,797
Yakima Federal Savings and Loan Association 19 3.23% $4,974
AMERISAVE MORTGAGE CORPORATION 19 2.83% $5,314
HOME POINT FINANCIAL CORPORATION 19 2.83% $3,771
Bank of America 17 2.56% $4,377
Boeing Employees Credit Union 17 3.10% $2,965
PENNYMAC LOAN SERVICES, LLC 16 3.02% $4,352
MOVEMENT MORTGAGE, LLC 15 3.16% $4,777
WASHINGTON STATE EMPLOYEES Credit Union 14 3.03% $3,873
DAS Acquisition Company, LLC 13 3.18% $5,463
BAY EQUITY LLC 12 3.11% $6,208
1st Security Bank of Washington 11 3.06% $4,486
First Interstate Bank 11 3.83% $7,324
Paramount Residential Mortgage Group, Inc. 11 3.16% $5,346
Washington Trust Bank 10 3.07% $4,204
BROKER SOLUTIONS, INC. 9 3.15% $4,082
Mr. Cooper ( Nationstar Mortgage ) 9 3.00% $5,027
Banner Bank 8 3.27% $4,168
Columbia State Bank 8 3.15% $4,145
PRIMARY RESIDENTIAL MORTGAGE, INC. 7 3.30% $6,231
FREEDOM MORTGAGE CORPORATION 7 3.16% $3,391
Charles Schwab Bank, SSB 7 2.36% $3,059
LENDUS, LLC 7 3.25% $6,259
GUARANTEED RATE, INC. 7 3.14% $4,193
Truist Bank 7 3.19% $5,469
CELEBRITY HOME LOANS, LLC 6 2.94% $5,286
Victorian Finance, LLC 6 2.77% $3,892
NEWREZ LLC 6 2.96% $3,740
AXIA FINANCIAL, LLC 6 3.13% $6,246
Sound Community Bank 6 3.23% $4,967
CMG MORTGAGE, INC. 5 2.95% $6,184
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 3.23% $3,673
UBS Bank USA 5 2.88% $4,810
FirstBank 5 2.83% $2,921
North American Savings Bank, F.S.B. 5 2.78% $2,405
DIRECTORS MORTGAGE, INC. 5 3.12% $5,672
SUMMIT FUNDING, INC. 5 3.02% $10,217
Morgan Stanley Private Bank 5 2.62% $3,514
Washington Federal Bank 5 3.23% $9,171
MUFG Union Bank 5 2.83% $4,630
MUTUAL OF OMAHA MORTGAGE, INC. 5 2.90% $4,955
PNC Bank 4 2.41% $7,681
Peoples Bank 4 3.63% $5,073
PENRITH HOME LOANS LLC 4 3.16% $6,058
Stifel Bank and Trust 4 2.34% $2,788
PROVIDENT FUNDING ASSOCIATES, L.P. 4 2.84% $2,961
Wyndham Capital Mortgage, Inc. 4 2.88% $1,584
PLANET HOME LENDING, LLC 4 3.19% $2,534
GESA 4 3.06% $6,412
Bank of the West 4 3.38% $4,943
Arvest Bank 3 3.08% $2,216
WESTWOOD MORTGAGE, INC. 3 3.00% $3,190
LEADERONE FINANCIAL CORPORATION 3 3.00% $6,936
MORTGAGE MASTER SERVICE CORPORATION 3 2.75% $4,409
Timberland Bank 3 2.96% $4,880
CHURCHILL MORTGAGE CORPORATION 3 3.88% $10,837
Strong Home Mortgage, LLC 3 2.79% $925
Network Funding, L.P. 3 3.29% $4,319
FIRST TECHNOLOGY 3 2.96% $13,652
MANN FINANCIAL INC. 3 3.38% $4,284
ON Q FINANCIAL, INC. 3 2.92% $11,568
Seattle Metropolitan Credit Union 3 4.04% $4,941
Qualstar Credit Union 3 3.88% $4,571
LADERA LENDING, INC. 3 3.04% $2,427
HOMESIDE FINANCIAL, LLC 3 2.96% $4,015
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.16% $6,833
Potlatch No. 1 Financial Credit Union 3 2.92% $4,962
ADVANCIAL 3 4.88% $5,215
ZILLOW HOME LOANS, LLC 2 2.75% $2,224
Alaska USA Federal Credit Union 2 3.25% $3,274
Alaska USA Mortgage Company LLC 2 3.25% $3,274
Ally Bank 2 2.63% $11,098
AMERICAN FINANCIAL NETWORK, INC. 2 2.94% $8,745
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 2 2.81% $3,729
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 2.99% $3,480
Bank of England 2 3.31% $5,879
BNY Mellon 2 2.63% $12,567
CALCON MUTUAL MORTGAGE LLC 2 3.13% $10,721
Cf Bank 2 2.75% $1,210
CIT Bank 2 3.18% $7,479
City National Bank 2 2.82% $5,722
CITYWIDE HOME LOANS, LLC 2 3.44% $3,839
First Bank 2 3.50% $3,291
First Federal Savings and Loan Association of Port Angeles 2 2.87% $4,800
GENEVA FINANCIAL, LLC 2 3.50% $4,191
JMAC LENDING, INC. 2 2.81% $10,444
KELLER MORTGAGE, LLC 2 3.06% $3,208
NBKC BANK 2 2.94% $2,074
NexBank 2 2.88% $4,271
Northpointe Bank 2 3.31% $3,707
Northwest Farm Credit Services, FLCA 2 3.63% $13,482
PREMIER MORTGAGE RESOURCES, L.L.C. 2 4.00% $4,955
SAMMAMISH MORTGAGE COMPANY 2 3.06% $2,771
SOUND 2 2.88% $2,763
STEARNS LENDING, LLC 2 2.94% $5,995
TIAA, FSB 2 3.38% $11,879
TJC Mortgage, Inc. 2 3.19% $5,080
WHATCOM EDUCATIONAL CREDIT UNION 2 2.75% $3,488
LO, INC. 1 2.75% $12,635
Loan Simple, Inc. 1 3.13% $4,150
LOANLEADERS OF AMERICA, INC. 1 2.99% $2,422
LENDSURE MORTGAGE CORP. 1 4.63% $10,325
LAKEVIEW LOAN SERVICING, LLC 1 3.50% $8,169
HSBC BANK USA, NATIONAL ASSOCIATION 1 3.16% $3,086
HORIZON 1 5.00% $7,478
PREMIA MORTGAGE, LLC 1 2.00% $0
BKCO MORTGAGE, LLC 1 3.25% $4,554
HOMEXPRESS MORTGAGE CORP. 1 3.38% $16,586
Hometown Lenders, Inc. 1 3.13% $14,561
Prosperity Home Mortgage, LLC 1 2.50% $12,204
Heritage Bank 1 3.38% $1,973
HAPO COMMUNITY CREDIT UNION 1 3.50% $6,963
GSF Mortgage Corporation 1 3.38% $15,502
RED CANOE CREDIT UNION 1 3.38% $3,345
RESIDENTIAL BANCORP. 1 2.75% $8,473
SALAL 1 3.13% $7,866
AMERICAN INTERNET MORTGAGE, INC. 1 2.88% $3,486
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.25% $4,445
Silicon Valley Bank 1 2.75% $4,078
SIRVA MORTGAGE, INC. 1 2.88% $1,905
SOFI LENDING CORP. 1 3.25% $2,586
George Mason Mortgage, LLC 1 3.13% $4,948
Wheatland Bank 1 4.13% $4,273
Gateway First Bank 1 3.13% $2,676
SPOKANE TEACHERS 1 3.25% $6,539
SPRING EQ, LLC 1 3.50% $0
Willamette Valley Bank 1 3.38% $3,829
First Mortgage Solutions, LLC 1 2.88% $1,526
First Horizon Bank 1 3.13% $3,238
First Guaranty Mortgage Corporation 1 3.13% $2,089
The Central Trust Bank 1 3.38% $3,930
BEST CAPITAL FUNDING 1 2.88% $4,729
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.63% $3,792
Bank of the Pacific 1 3.38% $2,452
ENVOY MORTGAGE, LTD 1 2.99% $8,905
EMM LOANS LLC 1 2.75% $8,977
DIGNIFIED HOME LOANS, LLC 1 3.38% $4,089
Deere Employees Credit Union 1 2.25% $3,326
USAA Federal Savings Bank 1 3.00% $2,863
Commerce Home Mortgage, Inc. 1 2.99% $3,846
U S WIDE FINANCIAL LLC 1 2.88% $3,414
VERITAS FUNDING, LLC 1 3.63% $4,993
Citizens Bank 1 3.00% $3,159
Wallick & Volk, Inc. 1 2.63% $1,479
Citibank 1 3.00% $4,336
Citadel Servicing Corporation 1 4.73% $4,745
NETWORK CAPITAL FUNDING CORPORATION 1 3.00% $1,786
NAVY FEDERAL CREDIT UNION 1 2.88% $2,144
CHERRY CREEK MORTGAGE, LLC 1 2.88% $4,131
NFM, INC. 1 2.75% $3,816
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 3.13% $19,524
Watermark Capital, Inc. 1 2.63% $3,112
Carrington Mortgage Services, LLC 1 3.25% $3,943
NOVA FINANCIAL & INVESTMENT CORPORATION 1 2.99% $3,756
LPMC, LLC 1 3.25% $2,606
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 3.38% $6,055

Ellensburg, WA's 180 lenders originated 3,285 loans during 2021. The total origination value was $1,307,065,000, with an average loan value of $397,889.

The top Ellensburg lender as defined by loan originations is CALIBER HOME LOANS, INC., with 186 loans originated. Their average total fees are $4,270, which is $3,117 lower than the next largest lender, EVERGREEN MONEYSOURCE MORTGAGE COMPANY.

The lowest fee Ellensburg lenders (with over 10 loans originated) are Cashmere Valley Bank ($2,690), Boeing Employees Credit Union ($2,965), DHI MORTGAGE COMPANY, LTD. ($3,015), HOME POINT FINANCIAL CORPORATION ($3,771) and JPMorgan Chase Bank ($3,797).

The lowest rate Ellensburg lenders (with over 10 loans originated) are Bank of America (2.56%), KeyBank (2.66%), DHI MORTGAGE COMPANY, LTD. (2.76%), AMERISAVE MORTGAGE CORPORATION (2.83%) and HOME POINT FINANCIAL CORPORATION (2.83%).

Ellensburg, WA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Umpqua Bank $73,940,000 $95,070,000 28.6% 7.3%
CALIBER HOME LOANS, INC. $94,940,000 $82,235,000 -13.4% 6.3%
U.S. Bank $34,755,000 $74,425,000 114.1% 5.7%
CORNERSTONE HOME LENDING, INC. $57,090,000 $61,035,000 6.9% 4.7%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $57,040,000 $57,190,000 0.3% 4.4%
QUICKEN LOANS, LLC $52,815,000 $54,710,000 3.6% 4.2%
Boeing Employees Credit Union $16,275,000 $50,385,000 209.6% 3.9%
ACADEMY MORTGAGE CORPORATION $30,485,000 $39,100,000 28.3% 3.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $37,050,000 $37,755,000 1.9% 2.9%
Wells Fargo Bank $31,595,000 $35,900,000 13.6% 2.7%
HomeStreet Bank $11,520,000 $29,715,000 157.9% 2.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $26,120,000 $27,230,000 4.2% 2.1%
JPMorgan Chase Bank $20,520,000 $26,810,000 30.7% 2.1%
Cashmere Valley Bank $27,275,000 $26,280,000 -3.6% 2.0%
LOANDEPOT.COM, LLC $11,850,000 $25,785,000 117.6% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $22,745,000 $22,220,000 -2.3% 1.7%
KeyBank $16,250,000 $20,395,000 25.5% 1.6%
Washington Federal Bank $18,225,000 $19,490,000 6.9% 1.5%
CROSSCOUNTRY MORTGAGE, LLC $5,720,000 $18,455,000 222.6% 1.4%
FINANCE OF AMERICA MORTGAGE LLC $10,460,000 $17,420,000 66.5% 1.3%
Solarity Credit Union $23,460,000 $16,520,000 -29.6% 1.3%
Bank of America $16,480,000 $16,015,000 -2.8% 1.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $13,290,000 $15,190,000 14.3% 1.2%
First Interstate Bank $12,280,000 $14,595,000 18.9% 1.1%
PENNYMAC LOAN SERVICES, LLC $5,665,000 $14,235,000 151.3% 1.1%
GUILD MORTGAGE COMPANY $13,070,000 $13,210,000 1.1% 1.0%
BETTER MORTGAGE CORPORATION $6,420,000 $12,150,000 89.3% 0.9%
DHI MORTGAGE COMPANY, LTD. $4,915,000 $11,530,000 134.6% 0.9%
HOME POINT FINANCIAL CORPORATION $4,460,000 $11,050,000 147.8% 0.8%
Banner Bank $8,075,000 $10,950,000 35.6% 0.8%
FREEDOM MORTGAGE CORPORATION $9,045,000 $10,095,000 11.6% 0.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $7,255,000 $10,045,000 38.5% 0.8%
Flagstar Bank, FSB $7,250,000 $9,485,000 30.8% 0.7%
Washington Trust Bank $8,670,000 $9,270,000 6.9% 0.7%
AMERISAVE MORTGAGE CORPORATION $1,970,000 $9,155,000 364.7% 0.7%
MOVEMENT MORTGAGE, LLC $12,495,000 $8,890,000 -28.9% 0.7%
WASHINGTON STATE EMPLOYEES Credit Union $8,850,000 $8,490,000 -4.1% 0.6%
Yakima Federal Savings and Loan Association $13,345,000 $8,370,000 -37.3% 0.6%
BAY EQUITY LLC $16,780,000 $8,360,000 -50.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $4,545,000 $7,195,000 58.3% 0.6%
FIRST TECHNOLOGY $4,730,000 $6,930,000 46.5% 0.5%
1st Security Bank of Washington $10,520,000 $6,380,000 -39.4% 0.5%
PNC Bank $4,660,000 $6,190,000 32.8% 0.5%
First Federal Savings and Loan Association of Port Angeles $580,000 $5,450,000 839.7% 0.4%
MUFG Union Bank $455,000 $5,200,000 1,042.9% 0.4%
UBS Bank USA $2,150,000 $5,175,000 140.7% 0.4%
Sound Community Bank $1,385,000 $5,140,000 271.1% 0.4%
Truist Bank $3,280,000 $4,880,000 48.8% 0.4%
Charles Schwab Bank, SSB $820,000 $4,775,000 482.3% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $3,090,000 $4,650,000 50.5% 0.4%
BROKER SOLUTIONS, INC. $3,525,000 $4,310,000 22.3% 0.3%
NEWREZ LLC $2,690,000 $4,240,000 57.6% 0.3%
DAS Acquisition Company, LLC $19,220,000 $4,205,000 -78.1% 0.3%
Columbia State Bank $4,085,000 $4,175,000 2.2% 0.3%
Paramount Residential Mortgage Group, Inc. $3,355,000 $3,930,000 17.1% 0.3%
Morgan Stanley Private Bank $5,820,000 $3,795,000 -34.8% 0.3%
BNY Mellon $3,790,000 n/a 0.3%
AXIA FINANCIAL, LLC $2,340,000 $3,635,000 55.3% 0.3%
GUARANTEED RATE, INC. $1,965,000 $3,535,000 79.9% 0.3%
CELEBRITY HOME LOANS, LLC $2,180,000 $3,505,000 60.8% 0.3%
Victorian Finance, LLC $2,585,000 $3,465,000 34.0% 0.3%
LENDUS, LLC $1,030,000 $3,310,000 221.4% 0.3%
First Financial Northwest Bank $3,100,000 n/a 0.2%
Bank of the West $1,130,000 $2,965,000 162.4% 0.2%
LAKEVIEW LOAN SERVICING, LLC $1,540,000 $2,855,000 85.4% 0.2%
North American Savings Bank, F.S.B. $760,000 $2,700,000 255.3% 0.2%
CMG MORTGAGE, INC. $4,500,000 $2,595,000 -42.3% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,385,000 $2,595,000 87.4% 0.2%
Peoples Bank $1,330,000 $2,510,000 88.7% 0.2%
FirstBank $1,200,000 $2,505,000 108.8% 0.2%
Alaska USA Federal Credit Union $6,400,000 $2,485,000 -61.2% 0.2%
SUMMIT FUNDING, INC. $615,000 $2,415,000 292.7% 0.2%
JMAC LENDING, INC. $165,000 $2,350,000 1,324.2% 0.2%
MARION AND POLK SCHOOLS CREDIT UNION $1,815,000 $2,315,000 27.5% 0.2%
PENRITH HOME LOANS LLC $3,265,000 $2,260,000 -30.8% 0.2%
Pacific Premier Bank $2,185,000 n/a 0.2%
GESA $2,770,000 $2,105,000 -24.0% 0.2%
MANN FINANCIAL INC. $2,065,000 $2,085,000 1.0% 0.2%
SPOKANE TEACHERS $500,000 $2,030,000 306.0% 0.2%
Mortgage Research Center, LLC $4,045,000 $2,000,000 -50.6% 0.2%
USAA Federal Savings Bank $2,255,000 $1,975,000 -12.4% 0.2%
CIT Bank $1,820,000 $1,920,000 5.5% 0.1%
NBKC BANK $2,570,000 $1,880,000 -26.8% 0.1%
Northwest Farm Credit Services, FLCA $1,745,000 $1,855,000 6.3% 0.1%
ON Q FINANCIAL, INC. $2,510,000 $1,855,000 -26.1% 0.1%
Timberland Bank $5,875,000 $1,840,000 -68.7% 0.1%
PLANET HOME LENDING, LLC $810,000 $1,785,000 120.4% 0.1%
TIAA, FSB $1,320,000 $1,770,000 34.1% 0.1%
Baker Boyer National Bank $1,245,000 $1,765,000 41.8% 0.1%
GENEVA FINANCIAL, LLC $2,895,000 $1,765,000 -39.0% 0.1%
DIRECTORS MORTGAGE, INC. $3,820,000 $1,735,000 -54.6% 0.1%
City National Bank $1,720,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $275,000 $1,660,000 503.6% 0.1%
CALCON MUTUAL MORTGAGE LLC $1,630,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,435,000 $1,610,000 12.2% 0.1%
ADVANCIAL $1,600,000 $1,605,000 0.3% 0.1%
WESTWOOD MORTGAGE, INC. $1,605,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $995,000 $1,585,000 59.3% 0.1%
Alaska USA Mortgage Company LLC $3,205,000 $1,570,000 -51.0% 0.1%
Citadel Servicing Corporation $225,000 $1,555,000 591.1% 0.1%
LEADERONE FINANCIAL CORPORATION $750,000 $1,510,000 101.3% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $3,345,000 $1,500,000 -55.2% 0.1%
Strong Home Mortgage, LLC $2,790,000 $1,470,000 -47.3% 0.1%
CHURCHILL MORTGAGE CORPORATION $385,000 $1,445,000 275.3% 0.1%
Zions Bancorporation, N.A. $325,000 $1,440,000 343.1% 0.1%
Stifel Bank and Trust $1,815,000 $1,420,000 -21.8% 0.1%
Ally Bank $1,545,000 $1,410,000 -8.7% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,875,000 $1,405,000 -25.1% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $2,130,000 $1,360,000 -36.2% 0.1%
The Federal Savings Bank $2,940,000 $1,315,000 -55.3% 0.1%
AMERICAN ADVISORS GROUP $965,000 $1,310,000 35.8% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,295,000 n/a 0.1%
Network Funding, L.P. $1,295,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $255,000 $1,290,000 405.9% 0.1%
Potlatch No. 1 Financial Credit Union $235,000 $1,220,000 419.1% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,180,000 n/a 0.1%
SOUND $665,000 $1,125,000 69.2% 0.1%
Amerifirst Financial, Inc. $1,115,000 n/a 0.1%
George Mason Mortgage, LLC $1,095,000 n/a 0.1%
Seattle Metropolitan Credit Union $365,000 $1,095,000 200.0% 0.1%
GSF Mortgage Corporation $1,385,000 $1,090,000 -21.3% 0.1%
SALAL $1,085,000 n/a 0.1%
Bank of England $375,000 $1,045,000 178.7% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,215,000 $1,025,000 -15.6% 0.1%
The Central Trust Bank $1,025,000 n/a 0.1%
SAMMAMISH MORTGAGE COMPANY $1,820,000 $1,000,000 -45.1% 0.1%
LO, INC. $935,000 n/a 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $510,000 $930,000 82.4% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $885,000 $905,000 2.3% 0.1%
Deere Employees Credit Union $445,000 $900,000 102.2% 0.1%
Northpointe Bank $860,000 $890,000 3.5% 0.1%
ZILLOW HOME LOANS, LLC $295,000 $890,000 201.7% 0.1%
LADERA LENDING, INC. $1,265,000 $885,000 -30.0% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $875,000 n/a 0.1%
KELLER MORTGAGE, LLC $1,700,000 $840,000 -50.6% 0.1%
MORTGAGE MASTER SERVICE CORPORATION $1,870,000 $835,000 -55.3% 0.1%
Cf Bank $830,000 n/a 0.1%
Qualstar Credit Union $915,000 $825,000 -9.8% 0.1%
Citibank $1,200,000 $765,000 -36.3% 0.1%
Arvest Bank $490,000 $715,000 45.9% 0.1%
HOMEXPRESS MORTGAGE CORP. $715,000 n/a 0.1%
First Guaranty Mortgage Corporation $285,000 $650,000 128.1% 0.0%
CITYWIDE HOME LOANS, LLC $640,000 n/a 0.0%
Carrington Mortgage Services, LLC $605,000 $635,000 5.0% 0.0%
NEW DAY FINANCIAL, LLC $745,000 $620,000 -16.8% 0.0%
TJC Mortgage, Inc. $440,000 $620,000 40.9% 0.0%
TRISTAR FINANCE, INC. $620,000 n/a 0.0%
HAPO COMMUNITY CREDIT UNION $120,000 $605,000 404.2% 0.0%
Kitsap Bank $605,000 n/a 0.0%
Nations Lending Corporation $470,000 $600,000 27.7% 0.0%
NFM, INC. $1,990,000 $590,000 -70.4% 0.0%
Community First Bank $565,000 n/a 0.0%
NAVY FEDERAL CREDIT UNION $2,535,000 $560,000 -77.9% 0.0%
First Bank $550,000 n/a 0.0%
KITSAP Credit Union $150,000 $550,000 266.7% 0.0%
BKCO MORTGAGE, LLC $505,000 $545,000 7.9% 0.0%
Commerce Home Mortgage, Inc. $1,015,000 $545,000 -46.3% 0.0%
STEARNS LENDING, LLC $540,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $185,000 $520,000 181.1% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $870,000 $515,000 -40.8% 0.0%
Willamette Valley Bank $315,000 $515,000 63.5% 0.0%
BEST CAPITAL FUNDING $510,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $670,000 $510,000 -23.9% 0.0%
WHATCOM EDUCATIONAL CREDIT UNION $510,000 n/a 0.0%
PREMIA MORTGAGE, LLC $505,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $2,310,000 $485,000 -79.0% 0.0%
VAN DYK MORTGAGE CORPORATION $405,000 $480,000 18.5% 0.0%
AMERICAN FINANCING CORPORATION $475,000 n/a 0.0%
BNC National Bank $235,000 $465,000 97.9% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $285,000 $465,000 63.2% 0.0%
Wolfe Financial, Inc $465,000 n/a 0.0%
Gateway First Bank $185,000 $460,000 148.6% 0.0%
SIRVA MORTGAGE, INC. $455,000 n/a 0.0%
Visio Financial Services Inc. $445,000 n/a 0.0%
First Mortgage Solutions, LLC $435,000 n/a 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $960,000 $435,000 -54.7% 0.0%
SOUTHWEST STAGE FUNDING, LLC $555,000 $435,000 -21.6% 0.0%
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. $430,000 n/a 0.0%
Hometown Lenders, Inc. $1,665,000 $430,000 -74.2% 0.0%
NexBank $430,000 n/a 0.0%
LOANPAL, LLC $295,000 $425,000 44.1% 0.0%
Prosperity Home Mortgage, LLC $175,000 $415,000 137.1% 0.0%
Wallick & Volk, Inc. $1,005,000 $415,000 -58.7% 0.0%
Bethpage Federal Credit Union $405,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $395,000 n/a 0.0%
Wheatland Bank $1,350,000 $380,000 -71.9% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $375,000 n/a 0.0%
Franklin Loan Corporation $365,000 n/a 0.0%
HORIZON $360,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $580,000 $355,000 -38.8% 0.0%
TWINSTAR $655,000 $355,000 -45.8% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $345,000 n/a 0.0%
ENVOY MORTGAGE, LTD $235,000 $345,000 46.8% 0.0%
Loan Simple, Inc. $345,000 n/a 0.0%
THRIVE MORTGAGE, LLC $530,000 $345,000 -34.9% 0.0%
First Horizon Bank $335,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $345,000 $335,000 -2.9% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $325,000 n/a 0.0%
Heritage Bank $1,250,000 $320,000 -74.4% 0.0%
SPRING EQ, LLC $105,000 $320,000 204.8% 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $415,000 $315,000 -24.1% 0.0%
PHH Mortgage Corporation $310,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $305,000 n/a 0.0%
Silicon Valley Bank $305,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $515,000 $295,000 -42.7% 0.0%
EMM LOANS LLC $295,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $285,000 n/a 0.0%
OCMBC, INC. $265,000 n/a 0.0%
Figure Lending LLC $50,000 $255,000 410.0% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $255,000 n/a 0.0%
Watermark Capital, Inc. $255,000 n/a 0.0%
Colonial Savings, F.A. $245,000 n/a 0.0%
OPEN MORTGAGE, LLC $215,000 $245,000 14.0% 0.0%
RESIDENTIAL BANCORP. $245,000 n/a 0.0%
VERITAS FUNDING, LLC $245,000 n/a 0.0%
Bank of the Pacific $155,000 $235,000 51.6% 0.0%
U S WIDE FINANCIAL LLC $215,000 $235,000 9.3% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $225,000 n/a 0.0%
SOFI LENDING CORP. $225,000 n/a 0.0%
NATIONWIDE EQUITIES CORPORATION $125,000 $215,000 72.0% 0.0%
Citizens Bank $205,000 n/a 0.0%
DIGNIFIED HOME LOANS, LLC $205,000 n/a 0.0%
First Home Bank $205,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $195,000 $205,000 5.1% 0.0%
GEORGIA'S OWN $200,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $55,000 $200,000 263.6% 0.0%
LPMC, LLC $195,000 n/a 0.0%
RED CANOE CREDIT UNION $185,000 n/a 0.0%
Budget Mortgage Corp. $175,000 n/a 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $165,000 n/a 0.0%
HighTechLending Inc $165,000 n/a 0.0%
NUMERICA CREDIT UNION $485,000 $155,000 -68.0% 0.0%
Manufacturers and Traders Trust Company $145,000 n/a 0.0%
ADVANTIS $125,000 n/a 0.0%
HomeTrust Bank $115,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $445,000 $115,000 -74.2% 0.0%
VERITY $185,000 $105,000 -43.2% 0.0%
Discover Bank $155,000 $85,000 -45.2% 0.0%
21ST MORTGAGE CORPORATION $95,000 $75,000 -21.1% 0.0%

Ellensburg's top lender by overall market share is Umpqua Bank, with 7.3% market share. In second place, with 6.3%, is CALIBER HOME LOANS, INC., having originated $82,235,000 in loans. In third place, with 5.7%, is U.S. Bank, having originated $74,425,000 in loans. In third place, with 4.7%, is CORNERSTONE HOME LENDING, INC., having originated $61,035,000 in loans. In third place, with 4.4%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $57,190,000 in loans.


Ellensburg, WA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,140 $613,920,000 $538,526
Refi 1,124 $382,840,000 $340,605
Cash Out Refi 773 $259,135,000 $335,233
Other 141 $37,205,000 $263,865
Home Improvement 107 $13,965,000 $130,514

Ellensburg's most frequently cited loan purpose was Home Purchase, with 1,140 originations. The 2nd most popular reason was Refi, with 1,124 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,434 $625,240,000 $436,011
2.5-3% 1,230 $472,570,000 $384,203
<2.5% 453 $156,315,000 $345,066
4-5% 115 $37,325,000 $324,565
5-6% 31 $7,155,000 $230,806
6-7% 9 $1,495,000 $166,111
7-8% 4 $500,000 $125,000
Over 8% 3 $275,000 $91,667

During 2021, Ellensburg's most frequently originated rate bucket was 3-4%, with 1,434 originations.

Loan Sizing (Ellensburg, WA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,526 $450,150,000 $294,987
$400k-600k 689 $335,805,000 $487,380
$100k-200k 521 $80,945,000 $155,365
$600k-1000k 215 $165,175,000 $768,256
$100,000 or less 171 $10,095,000 $59,035
$Over $1MM 163 $264,895,000 $1,625,123

Ellensburg's loan sizing saw the bucket of loans from $200k-400k with 1,526 originations, totaling $450,150,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,279 $592,005,000 $462,866
40-60% 744 $294,630,000 $396,008
80-100% 683 $305,995,000 $448,016
20-40% 325 $75,735,000 $233,031
Under 20% 187 $15,795,000 $84,465
Over 100% 13 $5,725,000 $440,385

Ellensburg's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,279 originations, totaling $592,005,000 in origination value.


Market Conditions (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 $382,500 (-2.4%) $519,460 (-13.0%) 0.00 71
2018-02-01 $377,475 (3.4%) $528,257 (-9.5%) 0.00 59
2018-03-01 $399,500 (12.6%) $533,215 (-9.4%) 0.00 75
2018-04-01 $409,475 (14.7%) $566,590 (-1.0%) 0.00 84
2018-05-01 $449,500 (5.8%) $613,580 (7.1%) 0.00 101
2018-06-01 $475,000 (3.9%) $633,000 (6.4%) 0.00 143
2018-07-01 $424,450 (-8.7%) $635,044 (5.2%) 0.00 152
2018-08-01 $419,000 (-9.7%) $613,476 (10.3%) 0.00 146
2018-09-01 $399,000 (-11.3%) $590,442 (4.9%) 0.00 182
2018-10-01 $394,995 (-11.7%) $588,739 (6.0%) 0.00 169
2018-11-01 $394,925 (-5.9%) $723,764 (31.0%) 0.00 152
2018-12-01 $389,900 (1.3%) $754,986 (49.9%) 0.00 124
2019-01-01 $404,475 (5.8%) $830,548 (59.9%) 0.00 100
2019-02-01 $430,000 (13.9%) $895,796 (69.6%) 0.00 82
2019-03-01 $433,571 (8.5%) $874,451 (64.0%) 0.00 94
2019-04-01 $431,046 (5.3%) $833,969 (47.2%) 0.00 114
2019-05-01 $449,475 (0.0%) $860,471 (40.2%) 0.00 127
2019-06-01 $425,000 (-10.5%) $831,190 (31.3%) 0.00 145
2019-07-01 $427,450 (0.7%) $818,960 (29.0%) 0.00 150
2019-08-01 $416,657 (-0.6%) $799,197 (30.3%) 0.00 151
2019-09-01 $401,207 (0.6%) $781,261 (32.3%) 0.00 150
2019-10-01 $404,450 (2.4%) $796,249 (35.3%) 0.00 147
2019-11-01 $399,950 (1.3%) $843,802 (16.6%) 0.00 115
2019-12-01 $389,950 (0.0%) $966,318 (28.0%) 0.00 83
2020-01-01 $374,450 (-7.4%) $1,109,037 (33.5%) 0.00 55
2020-02-01 $374,900 (-12.8%) $1,103,082 (23.1%) 0.00 53
2020-03-01 $417,475 (-3.7%) $976,400 (11.7%) 0.00 71
2020-04-01 $422,475 (-2.0%) $871,456 (4.5%) 0.00 88
2020-05-01 $414,950 (-7.7%) $854,261 (-0.7%) 0.00 91
2020-06-01 $452,475 (6.5%) $868,935 (4.5%) 0.00 103
2020-07-01 $530,000 (24.0%) $1,017,368 (24.2%) 0.00 96
2020-08-01 $539,999 (29.6%) $997,244 (24.8%) 0.00 106
2020-09-01 $559,000 (39.3%) $1,044,691 (33.7%) 0.00 96
2020-10-01 $595,000 (47.1%) $1,084,011 (36.1%) 0.00 89
2020-11-01 $624,500 (56.1%) $1,314,031 (55.7%) 0.00 54
2020-12-01 $649,000 (66.4%) $1,433,351 (48.3%) 0.00 37
2021-01-01 $874,900 (133.7%) $1,853,369 (67.1%) 0.00 25
2021-02-01 $500,000 (33.4%) $1,794,935 (62.7%) 0.00 29
2021-03-01 $520,000 (24.6%) $1,675,691 (71.6%) 0.00 29
2021-04-01 $457,500 (8.3%) $1,548,645 (77.7%) 0.00 32
2021-05-01 $589,995 (42.2%) $1,392,032 (63.0%) 0.00 52
2021-06-01 $569,000 (25.8%) $1,201,538 (38.3%) 0.00 72
2021-07-01 $569,998 (7.6%) $1,152,358 (13.3%) 0.00 86
2021-08-01 $639,995 (18.5%) $1,242,006 (24.5%) 0.00 94
2021-09-01 $649,450 (16.2%) $1,214,099 (16.2%) 0.00 88
2021-10-01 $664,995 (11.8%) $1,228,841 (13.4%) 0.00 83
2021-11-01 $649,498 (4.0%) $1,315,514 (0.1%) 0.00 69
2021-12-01 $657,500 (1.3%) $1,419,104 (-1.0%) 0.00 53
2022-01-01 $729,000 (-16.7%) $1,828,163 (-1.4%) 0.00 34
2022-02-01 $747,495 (49.5%) $1,803,397 (0.5%) 0.00 27
2022-03-01 $949,000 (82.5%) $2,183,779 (30.3%) 0.00 26
2022-04-01 $795,000 (73.8%) $1,892,765 (22.2%) 0.00 37
2022-05-01 $764,973 (29.7%) $1,392,540 (0.0%) 0.00 58
Ellensburg's median listing price for 2022-05-01 was $764,973, a difference of $174,978 (29.7%) versus the prior year and $-30,027 versus the prior month.

Ellensburg's median listing price comes in at 0% of the national average.

Ellensburg's average listing price for 2022-05-01 was $1,392,540, a difference of $508 (0.0%) versus the prior year and $-500,225 versus the prior month.

For the 2022-05-01 period, Ellensburg had 58 MLS listings, a difference of 21 listings (57%) versus the prior month and 6 listings (12%) 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 1,962 sqft
2018-03-01 0 days 2,003 sqft
2018-04-01 0 days 1,978 sqft
2018-05-01 0 days 2,158 sqft
2018-06-01 0 days 2,116 sqft
2018-07-01 0 days 2,025 sqft
2018-08-01 0 days 2,098 sqft
2018-09-01 0 days 2,100 sqft
2018-10-01 0 days 2,100 sqft
2018-11-01 0 days 2,106 sqft
2018-12-01 0 days 2,119 sqft
2019-01-01 0 days 2,226 sqft
2019-02-01 0 days 2,234 sqft
2019-03-01 0 days 2,183 sqft
2019-04-01 0 days 2,131 sqft
2019-05-01 0 days 2,226 sqft
2019-06-01 0 days 2,119 sqft
2019-07-01 0 days 2,055 sqft
2019-08-01 0 days 2,052 sqft
2019-09-01 0 days 2,004 sqft
2019-10-01 0 days 2,011 sqft
2019-11-01 0 days 2,052 sqft
2019-12-01 0 days 1,893 sqft
2020-01-01 0 days 1,721 sqft
2020-02-01 0 days 1,809 sqft
2020-03-01 0 days 1,896 sqft
2020-04-01 0 days 1,856 sqft
2020-05-01 0 days 1,968 sqft
2020-06-01 0 days 2,037 sqft
2020-07-01 0 days 2,221 sqft
2020-08-01 0 days 2,220 sqft
2020-09-01 0 days 2,307 sqft
2020-10-01 0 days 2,428 sqft
2020-11-01 0 days 2,361 sqft
2020-12-01 0 days 2,358 sqft
2021-01-01 0 days 2,750 sqft
2021-02-01 0 days 2,172 sqft
2021-03-01 0 days 1,927 sqft
2021-04-01 0 days 1,766 sqft
2021-05-01 0 days 1,858 sqft
2021-06-01 0 days 1,864 sqft
2021-07-01 0 days 2,105 sqft
2021-08-01 0 days 2,381 sqft
2021-09-01 0 days 2,332 sqft
2021-10-01 0 days 2,364 sqft
2021-11-01 0 days 2,196 sqft
2021-12-01 0 days 2,281 sqft
2022-01-01 0 days 2,627 sqft
2022-02-01 0 days 2,627 sqft
2022-03-01 0 days 2,610 sqft
2022-04-01 0 days 2,307 sqft
2022-05-01 0 days 2,253 sqft
Ellensburg's median listing age (time on market) for 2022-05-01 was 0 days.

Ellensburg's median square footage for active listings during the 2022-05-01 period was 2,253 sqft. One year prior, the average listing was 1,858 sqft.