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.).
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.
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.
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.
