Ellensburg Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Ellensburg averaged
7.1%
for the week of 2023-11-22, compared to the national average of
7.29% for the same period.
The average rate for the prior week (2023-11-16) was
7.25% and
one month ago for the week of 2023-10-19, the
average rate was 7.04%.
Ellensburg's average rate one year ago was 6.12%.
For refis of the same type during the week of 2023-11-22, the average rate
was 6.29%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-22 | 7.29% |
| Ellensburg 30 Year Fixed Rate | 2023-11-22 | 7.1% |
| Ellensburg 30 Year Fixed Rate Refi | 2023-11-22 | 6.29% |
| Ellensburg 15 Year Fixed Rate | 2023-11-22 | 6.77% |
| Ellensburg 15 Year Fixed Rate Refi | 2023-11-22 | 6.97% |
| Ellensburg 30 Year FHA | 2023-11-22 | 0.2% |
| Ellensburg 30 Year FHA Refi | 2023-11-22 | 0% |
| Ellensburg 30 Year USDA | 2023-11-22 | 0.2% |
| Ellensburg 30 Year USDA Refi | 2023-11-22 | -0.1% |
| Ellensburg 30 Year VA | 2023-11-22 | 0.1% |
| Ellensburg 30 Year VA Refi | 2023-11-22 | 0% |
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 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 136 lenders originated 1,753
loans during 2022. The total origination value was $853,605,000, with an average loan value of
$486,940.
Ellensburg's average closing costs are $5,868.
The top Ellensburg lender as defined by loan originations is CALIBER HOME LOANS, INC., with
62 loans originated. Their average total fees are
$5,665, which is $3,679
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Ellensburg lenders (with over 10 loans originated) are
Cashmere Valley Bank ($3,157), DHI MORTGAGE COMPANY, LTD. ($4,217), Morgan Stanley Private Bank ($4,871), KeyBank ($4,983) and CALIBER HOME LOANS, INC. ($5,665).
The lowest rate Ellensburg lenders (with over 10 loans originated) are
Bank of America (3.73%), DHI MORTGAGE COMPANY, LTD. (3.76%), Morgan Stanley Private Bank (3.91%), KeyBank (3.94%) and PENNYMAC LOAN SERVICES, LLC (4.12%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Umpqua Bank | $95,070,000 | $86,285,000 | -9.2% | 10.1% |
| U.S. Bank | $74,425,000 | $71,075,000 | -4.5% | 8.3% |
| Washington Federal Bank | $19,490,000 | $34,250,000 | 75.7% | 4.0% |
| CALIBER HOME LOANS, INC. | $82,235,000 | $32,830,000 | -60.1% | 3.8% |
| Boeing Employees Credit Union | $50,385,000 | $28,455,000 | -43.5% | 3.3% |
| QUICKEN LOANS, LLC | $54,710,000 | $26,275,000 | -52.0% | 3.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $57,190,000 | $25,015,000 | -56.3% | 2.9% |
| CORNERSTONE HOME LENDING, INC. | $61,035,000 | $23,320,000 | -61.8% | 2.7% |
| ACADEMY MORTGAGE CORPORATION | $39,100,000 | $20,795,000 | -46.8% | 2.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $22,220,000 | $19,855,000 | -10.6% | 2.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $37,755,000 | $19,535,000 | -48.3% | 2.3% |
| JPMorgan Chase Bank | $26,810,000 | $18,385,000 | -31.4% | 2.2% |
| Banner Bank | $10,950,000 | $17,105,000 | 56.2% | 2.0% |
| KeyBank | $20,395,000 | $16,120,000 | -21.0% | 1.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $27,230,000 | $15,625,000 | -42.6% | 1.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $18,455,000 | $14,590,000 | -20.9% | 1.7% |
| Morgan Stanley Private Bank | $3,795,000 | $14,570,000 | 283.9% | 1.7% |
| Bank of America | $16,015,000 | $14,190,000 | -11.4% | 1.7% |
| Wells Fargo Bank | $35,900,000 | $13,435,000 | -62.6% | 1.6% |
| DHI MORTGAGE COMPANY, LTD. | $11,530,000 | $11,060,000 | -4.1% | 1.3% |
| Cashmere Valley Bank | $26,280,000 | $11,005,000 | -58.1% | 1.3% |
| 1st Security Bank of Washington | $6,380,000 | $10,725,000 | 68.1% | 1.3% |
| LOANDEPOT.COM, LLC | $25,785,000 | $9,575,000 | -62.9% | 1.1% |
| Solarity Credit Union | $16,520,000 | $9,470,000 | -42.7% | 1.1% |
| GUILD MORTGAGE COMPANY | $13,210,000 | $9,375,000 | -29.0% | 1.1% |
| Yakima Federal Savings and Loan Association | $8,370,000 | $9,265,000 | 10.7% | 1.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $15,190,000 | $8,920,000 | -41.3% | 1.0% |
| MOVEMENT MORTGAGE, LLC | $8,890,000 | $8,110,000 | -8.8% | 1.0% |
| HomeStreet Bank | $29,715,000 | $7,640,000 | -74.3% | 0.9% |
| Truist | $4,880,000 | $7,195,000 | 47.4% | 0.8% |
| Prudential Huntoon Paige Associates, LLC | $6,485,000 | n/a | 0.8% | |
| FINANCE OF AMERICA MORTGAGE LLC | $17,420,000 | $6,480,000 | -62.8% | 0.8% |
| WASHINGTON STATE EMPLOYEES Credit Union | $8,490,000 | $6,425,000 | -24.3% | 0.8% |
| Charles Schwab Bank, SSB | $4,775,000 | $6,390,000 | 33.8% | 0.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $10,045,000 | $6,260,000 | -37.7% | 0.7% |
| MUFG Union Bank | $5,200,000 | $5,245,000 | 0.9% | 0.6% |
| GUARANTEED RATE, INC. | $3,535,000 | $5,195,000 | 47.0% | 0.6% |
| BAY EQUITY LLC | $8,360,000 | $5,160,000 | -38.3% | 0.6% |
| UBS Bank USA | $5,175,000 | $5,095,000 | -1.5% | 0.6% |
| PNC Bank | $6,190,000 | $4,915,000 | -20.6% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $14,235,000 | $4,910,000 | -65.5% | 0.6% |
| Stifel Bank and Trust | $1,420,000 | $4,860,000 | 242.3% | 0.6% |
| FIRST TECHNOLOGY | $6,930,000 | $4,210,000 | -39.2% | 0.5% |
| Columbia State Bank | $4,175,000 | $4,065,000 | -2.6% | 0.5% |
| First Interstate Bank | $14,595,000 | $3,660,000 | -74.9% | 0.4% |
| Alaska USA Federal Credit Union | $2,485,000 | $3,655,000 | 47.1% | 0.4% |
| BROKER SOLUTIONS, INC. | $4,310,000 | $3,540,000 | -17.9% | 0.4% |
| CMG MORTGAGE, INC. | $2,595,000 | $3,405,000 | 31.2% | 0.4% |
| First Federal Savings and Loan Association of Port Angeles | $5,450,000 | $3,335,000 | -38.8% | 0.4% |
| Washington Trust Bank | $9,270,000 | $3,005,000 | -67.6% | 0.4% |
| HOME POINT FINANCIAL CORPORATION | $11,050,000 | $3,000,000 | -72.9% | 0.4% |
| Northwest Farm Credit Services, FLCA | $1,855,000 | $2,920,000 | 57.4% | 0.3% |
| Goldman Sachs Bank USA | $2,835,000 | n/a | 0.3% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,610,000 | $2,645,000 | 64.3% | 0.3% |
| Potlatch No. 1 Financial Credit Union | $1,220,000 | $2,640,000 | 116.4% | 0.3% |
| DIRECTORS MORTGAGE, INC. | $1,735,000 | $2,630,000 | 51.6% | 0.3% |
| AMERICAN ADVISORS GROUP | $1,310,000 | $2,540,000 | 93.9% | 0.3% |
| Pacific Premier Bank | $2,185,000 | $2,530,000 | 15.8% | 0.3% |
| Mortgage Research Center, LLC | $2,000,000 | $2,395,000 | 19.8% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $10,095,000 | $2,300,000 | -77.2% | 0.3% |
| Timberland Bank | $1,840,000 | $2,300,000 | 25.0% | 0.3% |
| First Horizon Bank | $335,000 | $2,290,000 | 583.6% | 0.3% |
| GESA | $2,105,000 | $2,240,000 | 6.4% | 0.3% |
| NexBank | $430,000 | $2,225,000 | 417.4% | 0.3% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,210,000 | n/a | 0.3% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $875,000 | $2,165,000 | 147.4% | 0.3% |
| Bank of the West | $2,965,000 | $2,145,000 | -27.7% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,195,000 | $2,050,000 | -71.5% | 0.2% |
| Seattle Metropolitan Credit Union | $1,095,000 | $2,030,000 | 85.4% | 0.2% |
| Sound Community Bank | $5,140,000 | $2,015,000 | -60.8% | 0.2% |
| HAPO COMMUNITY CREDIT UNION | $605,000 | $1,950,000 | 222.3% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $560,000 | $1,930,000 | 244.6% | 0.2% |
| SAMMAMISH MORTGAGE COMPANY | $1,000,000 | $1,915,000 | 91.5% | 0.2% |
| Citibank | $765,000 | $1,885,000 | 146.4% | 0.2% |
| Greenbox Loans, Inc. | $1,770,000 | n/a | 0.2% | |
| LENDSURE MORTGAGE CORP. | $520,000 | $1,740,000 | 234.6% | 0.2% |
| BETTER MORTGAGE CORPORATION | $12,150,000 | $1,690,000 | -86.1% | 0.2% |
| DAS Acquisition Company, LLC | $4,205,000 | $1,655,000 | -60.6% | 0.2% |
| TRISTAR FINANCE, INC. | $620,000 | $1,575,000 | 154.0% | 0.2% |
| NFM, INC. | $590,000 | $1,565,000 | 165.3% | 0.2% |
| HomePromise Corporation | $1,555,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $2,855,000 | $1,540,000 | -46.1% | 0.2% |
| Zions Bancorporation, N.A. | $1,440,000 | $1,525,000 | 5.9% | 0.2% |
| SPOKANE TEACHERS | $2,030,000 | $1,505,000 | -25.9% | 0.2% |
| KINECTA | $1,445,000 | n/a | 0.2% | |
| First-Citizens Bank & Trust Company | $1,415,000 | n/a | 0.2% | |
| Raymond James Bank | $1,405,000 | n/a | 0.2% | |
| KELLER MORTGAGE, LLC | $840,000 | $1,365,000 | 62.5% | 0.2% |
| GENEVA FINANCIAL, LLC | $1,765,000 | $1,355,000 | -23.2% | 0.2% |
| NBKC BANK | $1,880,000 | $1,250,000 | -33.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $3,930,000 | $1,250,000 | -68.2% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $4,650,000 | $1,225,000 | -73.7% | 0.1% |
| MARION AND POLK SCHOOLS CREDIT UNION | $2,315,000 | $1,160,000 | -49.9% | 0.1% |
| CIVIC FINANCIAL SERVICES, LLC | $305,000 | $1,125,000 | 268.9% | 0.1% |
| USAA Federal Savings Bank | $1,975,000 | $1,070,000 | -45.8% | 0.1% |
| MLD MORTGAGE INC. | $1,045,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,595,000 | $1,035,000 | -60.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $115,000 | $1,005,000 | 773.9% | 0.1% |
| Strong Home Mortgage, LLC | $1,470,000 | $985,000 | -33.0% | 0.1% |
| Community First Bank | $565,000 | $925,000 | 63.7% | 0.1% |
| NEXERA HOLDING LLC | $905,000 | n/a | 0.1% | |
| MORTGAGE MASTER SERVICE CORPORATION | $835,000 | $890,000 | 6.6% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $315,000 | $890,000 | 182.5% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $845,000 | n/a | 0.1% | |
| Victorian Finance, LLC | $3,465,000 | $840,000 | -75.8% | 0.1% |
| JMJ FINANCIAL GROUP | $815,000 | n/a | 0.1% | |
| SOUND | $1,125,000 | $815,000 | -27.6% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $790,000 | n/a | 0.1% | |
| PENRITH HOME LOANS LLC | $2,260,000 | $790,000 | -65.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $9,155,000 | $770,000 | -91.6% | 0.1% |
| Flagstar Bank, FSB | $9,485,000 | $770,000 | -91.9% | 0.1% |
| Heritage Bank | $320,000 | $765,000 | 139.1% | 0.1% |
| Hometown Lenders, Inc. | $430,000 | $750,000 | 74.4% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,445,000 | $740,000 | -48.8% | 0.1% |
| Deere Employees Credit Union | $900,000 | $740,000 | -17.8% | 0.1% |
| GEORGIA'S OWN | $200,000 | $740,000 | 270.0% | 0.1% |
| Alaska USA Mortgage Company LLC | $1,570,000 | $725,000 | -53.8% | 0.1% |
| MOUNTAIN AMERICA | $710,000 | n/a | 0.1% | |
| Axos Bank | $660,000 | n/a | 0.1% | |
| THRIVE MORTGAGE, LLC | $345,000 | $650,000 | 88.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $890,000 | $650,000 | -27.0% | 0.1% |
| AXIA FINANCIAL, LLC | $3,635,000 | $645,000 | -82.3% | 0.1% |
| PRIORITY HOME LENDING, LLC | $645,000 | n/a | 0.1% | |
| Citizens Bank | $205,000 | $640,000 | 212.2% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $465,000 | $640,000 | 37.6% | 0.1% |
| ALLIANT CREDIT UNION | $630,000 | n/a | 0.1% | |
| Glacier Bank | $625,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $320,000 | $625,000 | 95.3% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,500,000 | $605,000 | -59.7% | 0.1% |
| FirstBank | $2,505,000 | $585,000 | -76.6% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $1,660,000 | $580,000 | -65.1% | 0.1% |
| ARC HOME LLC | $565,000 | n/a | 0.1% | |
| First Citizens National Bank | $565,000 | n/a | 0.1% | |
| SALAL | $1,085,000 | $565,000 | -47.9% | 0.1% |
| US MORTGAGE CORPORATION | $565,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $1,555,000 | $560,000 | -64.0% | 0.1% |
| PLANET HOME LENDING, LLC | $1,785,000 | $560,000 | -68.6% | 0.1% |
| Rivermark Community Credit Union | $560,000 | n/a | 0.1% | |
| Gateway First Bank | $460,000 | $555,000 | 20.7% | 0.1% |
| Figure Lending LLC | $255,000 | $550,000 | 115.7% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $545,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,315,000 | $535,000 | -59.3% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $485,000 | $525,000 | 8.2% | 0.1% |
| Bethpage Federal Credit Union | $405,000 | $500,000 | 23.5% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $225,000 | $500,000 | 122.2% | 0.1% |
| AmeriHome Mortgage Company, LLC | $295,000 | $480,000 | 62.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,585,000 | $480,000 | -69.7% | 0.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $475,000 | n/a | 0.1% | |
| First Home Bank | $205,000 | $465,000 | 126.8% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $465,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $245,000 | $445,000 | 81.6% | 0.1% |
| PHH Mortgage Corporation | $310,000 | $430,000 | 38.7% | 0.1% |
| S1L, Inc. | $425,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $425,000 | n/a | 0.0% | |
| WHATCOM EDUCATIONAL CREDIT UNION | $510,000 | $425,000 | -16.7% | 0.0% |
| Armed Forces Bank | $415,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $2,700,000 | $415,000 | -84.6% | 0.0% |
| WESTWOOD MORTGAGE, INC. | $1,605,000 | $415,000 | -74.1% | 0.0% |
| Quontic Bank | $405,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $1,510,000 | $400,000 | -73.5% | 0.0% |
| ADVANCIAL | $1,605,000 | $385,000 | -76.0% | 0.0% |
| IDAHO CENTRAL | $380,000 | n/a | 0.0% | |
| Wallick & Volk, Inc. | $415,000 | $375,000 | -9.6% | 0.0% |
| ADVANTIS | $125,000 | $370,000 | 196.0% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,290,000 | $365,000 | -71.7% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $930,000 | $365,000 | -60.8% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $355,000 | n/a | 0.0% | |
| Paramount Bank | $355,000 | n/a | 0.0% | |
| City National Bank | $1,720,000 | $335,000 | -80.5% | 0.0% |
| SOFI LENDING CORP. | $225,000 | $335,000 | 48.9% | 0.0% |
| T2 FINANCIAL LLC | $335,000 | n/a | 0.0% | |
| Arvest Bank | $715,000 | $315,000 | -55.9% | 0.0% |
| NMSI, INC. | $315,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $905,000 | $305,000 | -66.3% | 0.0% |
| OnPoint Community Credit Union | $305,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $305,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $255,000 | $295,000 | 15.7% | 0.0% |
| MANN FINANCIAL INC. | $2,085,000 | $295,000 | -85.9% | 0.0% |
| HomeTrust Bank | $115,000 | $290,000 | 152.2% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $285,000 | n/a | 0.0% | |
| Nations Lending Corporation | $600,000 | $285,000 | -52.5% | 0.0% |
| 21ST MORTGAGE CORPORATION | $75,000 | $275,000 | 266.7% | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | $275,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $275,000 | n/a | 0.0% | |
| O BEE | $275,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $265,000 | n/a | 0.0% | |
| TWINSTAR | $355,000 | $255,000 | -28.2% | 0.0% |
| Carrington Mortgage Services, LLC | $635,000 | $245,000 | -61.4% | 0.0% |
| The Central Trust Bank | $1,025,000 | $235,000 | -77.1% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $205,000 | $215,000 | 4.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $475,000 | $205,000 | -56.8% | 0.0% |
| LADERA LENDING, INC. | $885,000 | $205,000 | -76.8% | 0.0% |
| Cornerstone First Mortgage, Inc | $195,000 | n/a | 0.0% | |
| First Guaranty Mortgage Corporation | $650,000 | $185,000 | -71.5% | 0.0% |
| RBC Bank, (Georgia) | $165,000 | n/a | 0.0% | |
| NUMERICA CREDIT UNION | $155,000 | $160,000 | 3.2% | 0.0% |
| KITSAP Credit Union | $550,000 | $155,000 | -71.8% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $200,000 | $155,000 | -22.5% | 0.0% |
| FIBRE FEDERAL CREDIT UNION | $145,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $145,000 | n/a | 0.0% | |
| Discover Bank | $85,000 | $140,000 | 64.7% | 0.0% |
| Merchants Mortgage & Trust Corporation | $125,000 | n/a | 0.0% | |
| Ally Bank | $1,410,000 | $105,000 | -92.6% | 0.0% |
| Peoples Bank | $2,510,000 | $105,000 | -95.8% | 0.0% |
| TAPCO Credit Union | $85,000 | n/a | 0.0% | |
| Qualstar Credit Union | $825,000 | $70,000 | -91.5% | 0.0% |
Ellensburg's top lender by overall market share is Umpqua Bank, with 10.1% market share. In second place, with 8.3%, is U.S. Bank, having originated $71,075,000 in loans. In third place, with 4.0%, is Washington Federal Bank, having originated $34,250,000 in loans. In fourth place, with 3.8%, is CALIBER HOME LOANS, INC., having originated $32,830,000 in loans. In fifth place, with 3.3%, is Boeing Employees Credit Union, having originated $28,455,000 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 (-2.7%) | $513,260 (-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 (-9.1%) | $694,283 (21.9%) | 0.00 | 192 |
| 2018-08-01 | $407,475 (-9.3%) | $699,514 (30.2%) | 0.00 | 189 |
| 2018-09-01 | $399,000 (-9.1%) | $664,421 (22.3%) | 0.00 | 228 |
| 2018-10-01 | $395,100 (-4.2%) | $671,017 (25.2%) | 0.00 | 215 |
| 2018-11-01 | $396,725 (-3.2%) | $673,308 (26.1%) | 0.00 | 189 |
| 2018-12-01 | $399,000 (3.6%) | $707,831 (43.4%) | 0.00 | 157 |
| 2019-01-01 | $400,850 (4.5%) | $754,784 (47.1%) | 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 (-1.5%) | $955,607 (26.6%) | 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 | $508,736 (22.7%) | $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 (17.9%) | $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 | $748,950 (-10.7%) | $1,184,518 (-32.5%) | 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 |
Ellensburg's median listing price for 2023-10-01 was $729,238, a difference of
$29,763
(4.3%) versus the prior year and
$29,288 versus the prior month.
Ellensburg's median listing price comes in at 0% of the national average.
Ellensburg's average listing price for 2023-10-01 was $989,124, a difference of $-46,385 (-4.5%) versus the prior year and $4,061 versus the prior month.
For the 2023-10-01 period, Ellensburg had 194 MLS listings, a difference of -13 listings (-6%) versus the prior month and 42 listings (28%) versus the prior year.
Ellensburg's median listing price comes in at 0% of the national average.
Ellensburg's average listing price for 2023-10-01 was $989,124, a difference of $-46,385 (-4.5%) versus the prior year and $4,061 versus the prior month.
For the 2023-10-01 period, Ellensburg had 194 MLS listings, a difference of -13 listings (-6%) versus the prior month and 42 listings (28%) 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 | 1,956 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 | 2,071 sqft |
| 2020-08-01 | 0 days | 2,200 sqft |
| 2020-09-01 | 0 days | 2,187 sqft |
| 2020-10-01 | 0 days | 2,180 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 | 2,275 sqft |
| 2022-12-01 | 0 days | 2,269 sqft |
| 2023-01-01 | 0 days | 2,238 sqft |
| 2023-02-01 | 0 days | 2,152 sqft |
| 2023-03-01 | 0 days | 2,258 sqft |
| 2023-04-01 | 0 days | 2,270 sqft |
| 2023-05-01 | 0 days | 2,278 sqft |
| 2023-06-01 | 0 days | 2,277 sqft |
| 2023-07-01 | 0 days | 2,241 sqft |
| 2023-08-01 | 0 days | 2,209 sqft |
| 2023-09-01 | 0 days | 2,044 sqft |
| 2023-10-01 | 0 days | 2,035 sqft |
Ellensburg's median listing age (time on market) for 2023-10-01 was 0 days.
Ellensburg's median square footage for active listings during the 2023-10-01 period was 2,035 sqft. One year prior, the average listing was 2,252 sqft.
Ellensburg's median square footage for active listings during the 2023-10-01 period was 2,035 sqft. One year prior, the average listing was 2,252 sqft.
Ellensburg, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 888 | $573,640,000 | $645,991 |
| Cash Out Refi | 309 | $130,155,000 | $421,214 |
| Home Improvement | 197 | $32,325,000 | $164,086 |
| Refi | 187 | $74,515,000 | $398,476 |
| Other | 172 | $42,970,000 | $249,826 |
Ellensburg's most frequently cited loan purpose was Home Purchase, with 888 originations. The 2nd most popular reason was Cash Out Refi, with 309 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 464 | $248,430,000 | $535,409 |
| 4-5% | 408 | $249,130,000 | $610,613 |
| 5-6% | 381 | $166,235,000 | $436,312 |
| 6-7% | 209 | $79,295,000 | $379,402 |
| 2.5-3% | 158 | $73,180,000 | $463,165 |
| 7-8% | 73 | $18,085,000 | $247,740 |
| Over 8% | 33 | $5,895,000 | $178,636 |
| <2.5% | 25 | $12,345,000 | $493,800 |
During 2022, Ellensburg's most frequently originated rate bucket was 3-4%, with 464 originations.
Loan Sizing (Ellensburg, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 606 | $181,080,000 | $298,812 |
| $400k-600k | 348 | $169,000,000 | $485,632 |
| $100k-200k | 246 | $35,240,000 | $143,252 |
| $600k-1000k | 215 | $157,675,000 | $733,372 |
| $Over $1MM | 171 | $300,955,000 | $1,759,971 |
| $100,000 or less | 167 | $9,655,000 | $57,814 |
Ellensburg's loan sizing saw the bucket of loans from $200k-400k with 606 originations, totaling $181,080,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 573 | $387,995,000 | $677,129 |
| 80-100% | 409 | $220,635,000 | $539,450 |
| 40-60% | 268 | $143,080,000 | $533,881 |
| Under 20% | 250 | $26,250,000 | $105,000 |
| 20-40% | 225 | $62,685,000 | $278,600 |
| Over 100% | 11 | $6,655,000 | $605,000 |
Ellensburg's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 573 originations, totaling $387,995,000 in origination value.