KENNEWICK - RICHLAND Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Kennewick - Richland averaged
5.66%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.71% and
one month ago for the week of 2022-04-14, the
average rate was 5.11%.
Kennewick - Richland's average rate one year ago was 3.07%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.35%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Kennewick - Richland 30 Year Fixed Rate | 2022-05-19 | 5.66% |
| Kennewick - Richland 30 Year Fixed Rate Refi | 2022-05-19 | 5.35% |
| Kennewick - Richland 15 Year Fixed Rate | 2022-05-19 | 4.84% |
| Kennewick - Richland 15 Year Fixed Rate Refi | 2022-05-19 | 4.46% |
| Kennewick - Richland 30 Year FHA | 2022-05-19 | 5.29% |
| Kennewick - Richland 30 Year FHA Refi | 2022-05-19 | 5.45% |
| Kennewick - Richland 30 Year USDA | 2022-05-19 | 5.22% |
| Kennewick - Richland 30 Year USDA Refi | 2022-05-19 | 4.26% |
| Kennewick - Richland 30 Year VA | 2022-05-19 | 5.08% |
| Kennewick - Richland 30 Year VA Refi | 2022-05-19 | 4.89% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within KENNEWICK-RICHLAND, WA.
KENNEWICK - RICHLAND 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 KENNEWICK-RICHLAND, 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.).
KENNEWICK-RICHLAND, WA's 249 lenders originated 17,048
loans during 2021. The total origination value was $4,734,800,000, with an average loan value of
$277,733.
The top KENNEWICK - RICHLAND lender as defined by loan originations is QUICKEN LOANS, LLC, with
619 loans originated. Their average total fees are
$5,336, which is $74
lower than the next largest lender,
GESA.
The lowest fee KENNEWICK - RICHLAND lenders (with over 10 loans originated) are
Strong Home Mortgage, LLC ($1,879), North American Savings Bank, F.S.B. ($2,081), NBKC BANK ($2,191), LAKEVIEW LOAN SERVICING, LLC ($2,604) and JPMorgan Chase Bank ($2,708).
The lowest rate KENNEWICK - RICHLAND lenders (with over 10 loans originated) are
PROVIDENT FUNDING ASSOCIATES, L.P. (2.75%), North American Savings Bank, F.S.B. (2.81%), Wyndham Capital Mortgage, Inc. (2.82%), BETTER MORTGAGE CORPORATION (2.83%) and CANOPY MORTGAGE, LLC (2.87%).
KENNEWICK-RICHLAND, 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 |
|---|---|---|---|---|
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $304,435,000 | $354,390,000 | 16.4% | 7.5% |
| QUICKEN LOANS, LLC | $301,590,000 | $305,520,000 | 1.3% | 6.5% |
| GESA | $315,605,000 | $263,920,000 | -16.4% | 5.6% |
| Umpqua Bank | $263,080,000 | $252,300,000 | -4.1% | 5.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $137,025,000 | $194,180,000 | 41.7% | 4.1% |
| 1st Security Bank of Washington | $218,060,000 | $187,790,000 | -13.9% | 4.0% |
| SUMMIT FUNDING, INC. | $148,050,000 | $166,610,000 | 12.5% | 3.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $163,700,000 | $143,195,000 | -12.5% | 3.0% |
| Flagstar Bank, FSB | $118,545,000 | $136,585,000 | 15.2% | 2.9% |
| ENVOY MORTGAGE, LTD | $149,465,000 | $130,650,000 | -12.6% | 2.8% |
| CALIBER HOME LOANS, INC. | $145,110,000 | $116,095,000 | -20.0% | 2.5% |
| FINANCE OF AMERICA MORTGAGE LLC | $124,800,000 | $105,690,000 | -15.3% | 2.2% |
| HAPO COMMUNITY CREDIT UNION | $96,560,000 | $102,610,000 | 6.3% | 2.2% |
| CHURCHILL MORTGAGE CORPORATION | $89,735,000 | $97,070,000 | 8.2% | 2.1% |
| FREEDOM MORTGAGE CORPORATION | $94,065,000 | $91,075,000 | -3.2% | 1.9% |
| NUMERICA CREDIT UNION | $72,810,000 | $80,515,000 | 10.6% | 1.7% |
| LOANDEPOT.COM, LLC | $56,295,000 | $73,930,000 | 31.3% | 1.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $80,295,000 | $73,490,000 | -8.5% | 1.6% |
| SPOKANE TEACHERS | $55,885,000 | $64,220,000 | 14.9% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $36,670,000 | $64,135,000 | 74.9% | 1.4% |
| Wells Fargo Bank | $92,895,000 | $64,090,000 | -31.0% | 1.4% |
| JPMorgan Chase Bank | $40,935,000 | $62,860,000 | 53.6% | 1.3% |
| KeyBank | $26,845,000 | $60,715,000 | 126.2% | 1.3% |
| Yakima Federal Savings and Loan Association | $50,985,000 | $59,735,000 | 17.2% | 1.3% |
| Banner Bank | $63,445,000 | $57,230,000 | -9.8% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $45,900,000 | $54,200,000 | 18.1% | 1.1% |
| BETTER MORTGAGE CORPORATION | $26,940,000 | $52,515,000 | 94.9% | 1.1% |
| CHERRY CREEK MORTGAGE, LLC | $61,345,000 | $42,505,000 | -30.7% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $28,630,000 | $42,320,000 | 47.8% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $38,250,000 | $42,020,000 | 9.9% | 0.9% |
| Citibank | $210,000 | $39,710,000 | 18,809.5% | 0.8% |
| U.S. Bank | $48,925,000 | $38,095,000 | -22.1% | 0.8% |
| GUILD MORTGAGE COMPANY | $50,695,000 | $35,765,000 | -29.5% | 0.8% |
| CMG MORTGAGE, INC. | $7,990,000 | $35,290,000 | 341.7% | 0.7% |
| ACADEMY MORTGAGE CORPORATION | $23,280,000 | $33,545,000 | 44.1% | 0.7% |
| NEWREZ LLC | $26,070,000 | $31,570,000 | 21.1% | 0.7% |
| HOMESIDE FINANCIAL, LLC | $3,535,000 | $29,685,000 | 739.7% | 0.6% |
| LPMC, LLC | $35,925,000 | $27,920,000 | -22.3% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $34,280,000 | $27,320,000 | -20.3% | 0.6% |
| Bank of America | $25,985,000 | $26,775,000 | 3.0% | 0.6% |
| HOME POINT FINANCIAL CORPORATION | $19,290,000 | $26,050,000 | 35.0% | 0.6% |
| Mortgage Research Center, LLC | $23,725,000 | $26,000,000 | 9.6% | 0.5% |
| Community First Bank | $22,760,000 | $25,740,000 | 13.1% | 0.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $14,100,000 | $24,620,000 | 74.6% | 0.5% |
| BROKER SOLUTIONS, INC. | $20,575,000 | $23,135,000 | 12.4% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $13,850,000 | $21,825,000 | 57.6% | 0.5% |
| HomeStreet Bank | $13,565,000 | $20,800,000 | 53.3% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $16,320,000 | $19,375,000 | 18.7% | 0.4% |
| First Federal Savings and Loan Association of Port Angeles | $17,020,000 | n/a | 0.4% | |
| WALKER & DUNLOP, LLC | $3,735,000 | $16,100,000 | 331.1% | 0.3% |
| Boeing Employees Credit Union | $9,020,000 | $15,930,000 | 76.6% | 0.3% |
| DIRECTORS MORTGAGE, INC. | $8,180,000 | $15,915,000 | 94.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $14,590,000 | $14,950,000 | 2.5% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $17,700,000 | $14,535,000 | -17.9% | 0.3% |
| PREMIER LENDING, INC. | $14,280,000 | n/a | 0.3% | |
| Merchants Bank of Indiana | $530,000 | $14,005,000 | 2,542.5% | 0.3% |
| Washington Trust Bank | $15,925,000 | $13,520,000 | -15.1% | 0.3% |
| LAND HOME FINANCIAL SERVICES, INC. | $5,315,000 | $12,335,000 | 132.1% | 0.3% |
| AMERICAN FINANCING CORPORATION | $7,380,000 | $12,310,000 | 66.8% | 0.3% |
| USAA Federal Savings Bank | $20,985,000 | $12,305,000 | -41.4% | 0.3% |
| The Federal Savings Bank | $22,250,000 | $11,650,000 | -47.6% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $3,855,000 | $11,105,000 | 188.1% | 0.2% |
| Victorian Finance, LLC | $3,860,000 | $10,705,000 | 177.3% | 0.2% |
| NBKC BANK | $10,585,000 | $10,520,000 | -0.6% | 0.2% |
| GREYSTONE SERVICING COMPANY LLC | $24,665,000 | $10,505,000 | -57.4% | 0.2% |
| North American Savings Bank, F.S.B. | $5,000,000 | $10,240,000 | 104.8% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $6,355,000 | $9,815,000 | 54.4% | 0.2% |
| First Guaranty Mortgage Corporation | $4,185,000 | $8,950,000 | 113.9% | 0.2% |
| NEW DAY FINANCIAL, LLC | $5,990,000 | $8,800,000 | 46.9% | 0.2% |
| Carrington Mortgage Services, LLC | $8,190,000 | $8,745,000 | 6.8% | 0.2% |
| Strong Home Mortgage, LLC | $10,790,000 | $8,540,000 | -20.9% | 0.2% |
| S1L, Inc. | $2,925,000 | $7,575,000 | 159.0% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,935,000 | $6,815,000 | -1.7% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $7,510,000 | $6,625,000 | -11.8% | 0.1% |
| GENEVA FINANCIAL, LLC | $7,975,000 | $6,620,000 | -17.0% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $6,615,000 | n/a | 0.1% | |
| FirstBank | $6,345,000 | $6,330,000 | -0.2% | 0.1% |
| Columbia State Bank | $6,330,000 | $6,315,000 | -0.2% | 0.1% |
| Wheatland Bank | $8,750,000 | $6,080,000 | -30.5% | 0.1% |
| LADERA LENDING, INC. | $5,380,000 | $5,895,000 | 9.6% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $31,190,000 | $5,790,000 | -81.4% | 0.1% |
| WASHINGTON STATE EMPLOYEES Credit Union | $5,845,000 | $5,665,000 | -3.1% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,225,000 | $5,650,000 | 361.2% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $3,160,000 | $5,525,000 | 74.8% | 0.1% |
| AMERICAN ADVISORS GROUP | $2,735,000 | $5,425,000 | 98.4% | 0.1% |
| Ally Bank | $3,530,000 | $5,245,000 | 48.6% | 0.1% |
| Solarity Credit Union | $3,870,000 | $5,185,000 | 34.0% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $4,040,000 | $5,030,000 | 24.5% | 0.1% |
| Baker Boyer National Bank | $3,715,000 | $4,915,000 | 32.3% | 0.1% |
| GUARANTEED RATE, INC. | $4,215,000 | $4,910,000 | 16.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $2,890,000 | $4,865,000 | 68.3% | 0.1% |
| PHH Mortgage Corporation | $3,635,000 | $4,780,000 | 31.5% | 0.1% |
| BAY EQUITY LLC | $12,205,000 | $4,475,000 | -63.3% | 0.1% |
| STEARNS LENDING, LLC | $4,390,000 | $4,450,000 | 1.4% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $960,000 | $4,345,000 | 352.6% | 0.1% |
| PLANET HOME LENDING, LLC | $5,175,000 | $4,335,000 | -16.2% | 0.1% |
| Bank of the West | $5,685,000 | $4,160,000 | -26.8% | 0.1% |
| NP, Inc. | $1,175,000 | $4,160,000 | 254.0% | 0.1% |
| ON Q FINANCIAL, INC. | $14,015,000 | $4,150,000 | -70.4% | 0.1% |
| First Interstate Bank | $6,905,000 | $4,060,000 | -41.2% | 0.1% |
| SWBC MORTGAGE CORPORATION | $3,980,000 | n/a | 0.1% | |
| PRUDENTIAL MULTIFAMILY MORTGAGE, LLC | $3,975,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $3,085,000 | $3,910,000 | 26.7% | 0.1% |
| Nations Lending Corporation | $2,495,000 | $3,875,000 | 55.3% | 0.1% |
| Glacier Bank | $1,385,000 | $3,840,000 | 177.3% | 0.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | $4,445,000 | $3,840,000 | -13.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,100,000 | $3,755,000 | 78.8% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,715,000 | $3,530,000 | 105.8% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $6,420,000 | $3,410,000 | -46.9% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,605,000 | $3,325,000 | 27.6% | 0.1% |
| Northwest Farm Credit Services, FLCA | $1,865,000 | $3,265,000 | 75.1% | 0.1% |
| First Home Bank | $1,060,000 | $3,065,000 | 189.2% | 0.1% |
| Greenbox Loans, Inc. | $3,030,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $2,260,000 | $3,010,000 | 33.2% | 0.1% |
| Lakeview Community Capital, LLC | $2,845,000 | $2,985,000 | 4.9% | 0.1% |
| Willamette Valley Bank | $1,970,000 | $2,960,000 | 50.3% | 0.1% |
| MANN FINANCIAL INC. | $1,900,000 | $2,925,000 | 53.9% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $4,355,000 | $2,925,000 | -32.8% | 0.1% |
| KELLER MORTGAGE, LLC | $3,805,000 | $2,850,000 | -25.1% | 0.1% |
| MOUNTAIN AMERICA | $1,175,000 | $2,830,000 | 140.9% | 0.1% |
| Pacific Premier Bank | $2,805,000 | n/a | 0.1% | |
| InterContinental Capital Group, Inc | $2,460,000 | $2,790,000 | 13.4% | 0.1% |
| Hometown Lenders, Inc. | $440,000 | $2,755,000 | 526.1% | 0.1% |
| SOFI LENDING CORP. | $1,585,000 | $2,630,000 | 65.9% | 0.1% |
| First National Bank of America | $1,120,000 | $2,535,000 | 126.3% | 0.1% |
| Summit Mortgage Corporation | $3,680,000 | $2,480,000 | -32.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,355,000 | $2,465,000 | 81.9% | 0.1% |
| PNC Bank | $810,000 | $2,465,000 | 204.3% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $2,355,000 | $2,455,000 | 4.2% | 0.1% |
| SIRVA MORTGAGE, INC. | $2,585,000 | $2,405,000 | -7.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $3,135,000 | $2,405,000 | -23.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $2,030,000 | $2,395,000 | 18.0% | 0.1% |
| Citadel Servicing Corporation | $2,365,000 | n/a | 0.0% | |
| LENDUS, LLC | $1,305,000 | $2,320,000 | 77.8% | 0.0% |
| First Mortgage Solutions, LLC | $1,560,000 | $2,265,000 | 45.2% | 0.0% |
| Bank of England | $2,690,000 | $2,165,000 | -19.5% | 0.0% |
| Watermark Capital, Inc. | $1,050,000 | $2,160,000 | 105.7% | 0.0% |
| Loan Simple, Inc. | $635,000 | $2,105,000 | 231.5% | 0.0% |
| Zions Bancorporation, N.A. | $580,000 | $2,050,000 | 253.4% | 0.0% |
| Sunflower Bank | $1,475,000 | $1,945,000 | 31.9% | 0.0% |
| TJC Mortgage, Inc. | $2,150,000 | $1,945,000 | -9.5% | 0.0% |
| MORTGAGE MASTER SERVICE CORPORATION | $1,445,000 | $1,735,000 | 20.1% | 0.0% |
| FIRST TECHNOLOGY | $970,000 | $1,680,000 | 73.2% | 0.0% |
| SPRING EQ, LLC | $800,000 | $1,670,000 | 108.8% | 0.0% |
| BNC National Bank | $3,550,000 | $1,655,000 | -53.4% | 0.0% |
| Bank of the Pacific | $350,000 | $1,625,000 | 364.3% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $995,000 | $1,605,000 | 61.3% | 0.0% |
| Alaska USA Federal Credit Union | $1,565,000 | $1,570,000 | 0.3% | 0.0% |
| MICHIGAN MUTUAL, INC. | $2,260,000 | $1,565,000 | -30.8% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,520,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $1,435,000 | n/a | 0.0% | |
| Figure Lending LLC | $1,020,000 | $1,410,000 | 38.2% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $2,675,000 | $1,370,000 | -48.8% | 0.0% |
| Community First National Bank | $610,000 | $1,365,000 | 123.8% | 0.0% |
| First Financial Northwest Bank | $1,355,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $740,000 | $1,355,000 | 83.1% | 0.0% |
| PENRITH HOME LOANS LLC | $2,095,000 | $1,305,000 | -37.7% | 0.0% |
| IMPAC MORTGAGE CORP. | $215,000 | $1,295,000 | 502.3% | 0.0% |
| MUFG Union Bank | $795,000 | $1,265,000 | 59.1% | 0.0% |
| Discover Bank | $1,490,000 | $1,195,000 | -19.8% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $3,485,000 | $1,185,000 | -66.0% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $720,000 | $1,175,000 | 63.2% | 0.0% |
| Washington Federal Bank | $2,395,000 | $1,160,000 | -51.6% | 0.0% |
| SUMMIT MORTGAGE CORPORATION | $2,220,000 | $1,140,000 | -48.6% | 0.0% |
| TRISTAR FINANCE, INC. | $185,000 | $1,140,000 | 516.2% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $1,470,000 | $1,130,000 | -23.1% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,120,000 | n/a | 0.0% | |
| NFM, INC. | $1,270,000 | $1,100,000 | -13.4% | 0.0% |
| Self-Help Federal Credit Union | $1,100,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,655,000 | $1,070,000 | -59.7% | 0.0% |
| America's Credit Union | $1,070,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $4,020,000 | $1,045,000 | -74.0% | 0.0% |
| FBC MORTGAGE, LLC | $2,310,000 | $1,025,000 | -55.6% | 0.0% |
| Northpointe Bank | $2,355,000 | $1,010,000 | -57.1% | 0.0% |
| Manufacturers and Traders Trust Company | $495,000 | $1,005,000 | 103.0% | 0.0% |
| EMBRACE HOME LOANS, INC. | $695,000 | $1,000,000 | 43.9% | 0.0% |
| LOANSNAP, INC. | $995,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $615,000 | $990,000 | 61.0% | 0.0% |
| GLOBAL | $985,000 | $980,000 | -0.5% | 0.0% |
| First Federal Bank | $1,925,000 | $970,000 | -49.6% | 0.0% |
| IDAHO CENTRAL | $860,000 | $960,000 | 11.6% | 0.0% |
| PRIORITY HOME LENDING, LLC | $1,105,000 | $955,000 | -13.6% | 0.0% |
| UIF CORPORATION | $955,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $1,295,000 | $950,000 | -26.6% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $475,000 | $945,000 | 98.9% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $500,000 | $945,000 | 89.0% | 0.0% |
| KS StateBank | $485,000 | $915,000 | 88.7% | 0.0% |
| First Savings Bank | $3,080,000 | $905,000 | -70.6% | 0.0% |
| Amerifirst Financial, Inc. | $900,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $890,000 | n/a | 0.0% | |
| ADVANTIS | $105,000 | $880,000 | 738.1% | 0.0% |
| UBS Bank USA | $760,000 | $880,000 | 15.8% | 0.0% |
| 21ST MORTGAGE CORPORATION | $405,000 | $870,000 | 114.8% | 0.0% |
| NEXERA HOLDING LLC | $885,000 | $860,000 | -2.8% | 0.0% |
| MORIA DEVELOPMENT, INC. | $225,000 | $855,000 | 280.0% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $855,000 | n/a | 0.0% | |
| BOKF | $255,000 | $845,000 | 231.4% | 0.0% |
| ALLIANT CREDIT UNION | $1,355,000 | $840,000 | -38.0% | 0.0% |
| WESTWOOD MORTGAGE, INC. | $840,000 | n/a | 0.0% | |
| NexBank | $820,000 | n/a | 0.0% | |
| CRESCENT MORTGAGE COMPANY | $580,000 | $815,000 | 40.5% | 0.0% |
| Peoples Bank | $745,000 | $795,000 | 6.7% | 0.0% |
| SOUND | $390,000 | $795,000 | 103.8% | 0.0% |
| Morgan Stanley Private Bank | $1,190,000 | $765,000 | -35.7% | 0.0% |
| EVERETT FINANCIAL, INC. | $1,770,000 | $740,000 | -58.2% | 0.0% |
| First Federal Bank of Kansas City | $1,030,000 | $740,000 | -28.2% | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | $820,000 | $735,000 | -10.4% | 0.0% |
| Alaska USA Mortgage Company LLC | $855,000 | $685,000 | -19.9% | 0.0% |
| AmeriHome Mortgage Company, LLC | $1,355,000 | $685,000 | -49.4% | 0.0% |
| EMM LOANS LLC | $1,970,000 | $685,000 | -65.2% | 0.0% |
| BEST FINANCE CAPITAL, INC. | $680,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,555,000 | $675,000 | -56.6% | 0.0% |
| Mid-Continent Funding, Inc. | $405,000 | $670,000 | 65.4% | 0.0% |
| RANLIFE, INC. | $1,125,000 | $670,000 | -40.4% | 0.0% |
| Truist Bank | $585,000 | $670,000 | 14.5% | 0.0% |
| Cornerstone First Mortgage, Inc | $225,000 | $660,000 | 193.3% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $660,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $660,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $295,000 | $655,000 | 122.0% | 0.0% |
| BELEM SERVICING LLC | $780,000 | $650,000 | -16.7% | 0.0% |
| Mortgage Bank of California | $645,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $625,000 | n/a | 0.0% | |
| OnPoint Community Credit Union | $1,495,000 | $625,000 | -58.2% | 0.0% |
| RESIDENTIAL BANCORP. | $610,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $2,295,000 | $580,000 | -74.7% | 0.0% |
| Paramount Bank | $780,000 | $560,000 | -28.2% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $265,000 | $550,000 | 107.5% | 0.0% |
| Citizens Bank | $315,000 | $550,000 | 74.6% | 0.0% |
| Austin Capital Bank SSB | $545,000 | n/a | 0.0% | |
| Cf Bank | $2,380,000 | $545,000 | -77.1% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $545,000 | n/a | 0.0% | |
| PARKSIDE LENDING, LLC | $1,820,000 | $545,000 | -70.1% | 0.0% |
| Texana Bank | $540,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $530,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $670,000 | $525,000 | -21.6% | 0.0% |
| IAA Credit Union | $495,000 | $515,000 | 4.0% | 0.0% |
| Toyota Financial Savings Bank | $445,000 | $515,000 | 15.7% | 0.0% |
| DAS Acquisition Company, LLC | $8,530,000 | $510,000 | -94.0% | 0.0% |
| First Midwest Bank | $505,000 | n/a | 0.0% | |
| MORTGAGE EXPRESS, LLC | $870,000 | $500,000 | -42.5% | 0.0% |
| MORTGAGE LENDING GROUP LLC | $500,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $185,000 | $495,000 | 167.6% | 0.0% |
| JMAC LENDING, INC. | $440,000 | $495,000 | 12.5% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $830,000 | $490,000 | -41.0% | 0.0% |
| Farmers Bank & Trust | $485,000 | n/a | 0.0% | |
| VisionBank | $485,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $1,165,000 | $480,000 | -58.8% | 0.0% |
| Goldwater Bank, N.A. | $460,000 | $475,000 | 3.3% | 0.0% |
| Arvest Bank | $310,000 | $470,000 | 51.6% | 0.0% |
| Neighborhood Loans, Inc. | $465,000 | n/a | 0.0% | |
| Unitus Community Credit Union | $110,000 | $460,000 | 318.2% | 0.0% |
| Baxter Credit Union | $450,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $450,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $760,000 | $445,000 | -41.4% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $630,000 | $440,000 | -30.2% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $175,000 | $440,000 | 151.4% | 0.0% |
| Qualstar Credit Union | $440,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $500,000 | $430,000 | -14.0% | 0.0% |
| Colten Mortgage, LLC | $335,000 | $420,000 | 25.4% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $725,000 | $415,000 | -42.8% | 0.0% |
| Stifel Bank and Trust | $1,590,000 | $415,000 | -73.9% | 0.0% |
| Axos Bank | $205,000 | $405,000 | 97.6% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $215,000 | $405,000 | 88.4% | 0.0% |
| AXIA FINANCIAL, LLC | $2,295,000 | $400,000 | -82.6% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $2,080,000 | $400,000 | -80.8% | 0.0% |
| First Internet Bank of Indiana | $395,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $1,265,000 | $390,000 | -69.2% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $390,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $335,000 | $385,000 | 14.9% | 0.0% |
| Low VA Rates, LLC | $1,055,000 | $380,000 | -64.0% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $435,000 | $375,000 | -13.8% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $720,000 | $375,000 | -47.9% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $365,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $365,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $420,000 | $365,000 | -13.1% | 0.0% |
| Credence Funding Corporation | $755,000 | $355,000 | -53.0% | 0.0% |
| DIRECT MORTGAGE, CORP. | $855,000 | $355,000 | -58.5% | 0.0% |
| First Western Trust Bank | $450,000 | $355,000 | -21.1% | 0.0% |
| LOANPAL, LLC | $2,820,000 | $355,000 | -87.4% | 0.0% |
| UNION HOME MORTGAGE CORP. | $355,000 | n/a | 0.0% | |
| Deseret First Credit Union | $345,000 | n/a | 0.0% | |
| GET A RATE LLC | $345,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $225,000 | $345,000 | 53.3% | 0.0% |
| DELMAR FINANCIAL COMPANY | $335,000 | n/a | 0.0% | |
| Potlatch No. 1 Financial Credit Union | $1,130,000 | $325,000 | -71.2% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $320,000 | n/a | 0.0% | |
| First Horizon Bank | $315,000 | n/a | 0.0% | |
| HighTechLending Inc | $1,305,000 | $310,000 | -76.2% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $305,000 | n/a | 0.0% | |
| Fidelity Bank | $305,000 | n/a | 0.0% | |
| IVY MORTGAGE, INC. | $355,000 | $305,000 | -14.1% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $4,085,000 | $305,000 | -92.5% | 0.0% |
| Deere Employees Credit Union | $265,000 | $290,000 | 9.4% | 0.0% |
| BKCO MORTGAGE, LLC | $175,000 | $285,000 | 62.9% | 0.0% |
| Network Funding, L.P. | $285,000 | n/a | 0.0% | |
| VISION ONE MORTGAGE, INC. | $275,000 | $285,000 | 3.6% | 0.0% |
| HOMESTEAD FUNDING CORP. | $770,000 | $275,000 | -64.3% | 0.0% |
| OAKTREE FUNDING CORP. | $275,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $670,000 | $275,000 | -59.0% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| NBH Bank | $850,000 | $265,000 | -68.8% | 0.0% |
| BEST CAPITAL FUNDING | $255,000 | n/a | 0.0% | |
| BLACK HILLS FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| East West Bank | $255,000 | n/a | 0.0% | |
| Financial Funding Solutions, Inc. | $695,000 | $255,000 | -63.3% | 0.0% |
| Timberland Bank | $2,740,000 | $255,000 | -90.7% | 0.0% |
| Wallick & Volk, Inc. | $245,000 | $255,000 | 4.1% | 0.0% |
| ARC HOME LLC | $1,400,000 | $245,000 | -82.5% | 0.0% |
| Magnolia Bank | $1,300,000 | $245,000 | -81.2% | 0.0% |
| OCMBC, INC. | $215,000 | $245,000 | 14.0% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $470,000 | $245,000 | -47.9% | 0.0% |
| LENDERFI, INC. | $530,000 | $235,000 | -55.7% | 0.0% |
| ATHAS CAPITAL GROUP, INC. | $630,000 | $225,000 | -64.3% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $305,000 | $215,000 | -29.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $215,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $185,000 | $215,000 | 16.2% | 0.0% |
| American National Bank | $205,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $1,245,000 | $205,000 | -83.5% | 0.0% |
| Franklin Loan Corporation | $195,000 | n/a | 0.0% | |
| Servion, Inc. | $1,020,000 | $195,000 | -80.9% | 0.0% |
| STANFORD Federal Credit Union | $195,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $190,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $185,000 | n/a | 0.0% | |
| First Republic Bank | $265,000 | $185,000 | -30.2% | 0.0% |
| Peoples Bank | $745,000 | $185,000 | -75.2% | 0.0% |
| V.I.P. MORTGAGE, INC. | $185,000 | n/a | 0.0% | |
| HORIZON | $1,490,000 | $170,000 | -88.6% | 0.0% |
| United Nations Federal Credit Union | $165,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $235,000 | $155,000 | -34.0% | 0.0% |
| ML Mortgage Corp. | $155,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $580,000 | $155,000 | -73.3% | 0.0% |
| Ukrainian Federal Credit Union | $155,000 | n/a | 0.0% | |
| VERITY | $155,000 | n/a | 0.0% | |
| MIDWEST LOAN SOLUTIONS, INC. | $470,000 | $135,000 | -71.3% | 0.0% |
| TIAA, FSB | $715,000 | $135,000 | -81.1% | 0.0% |
| WESTERN EXPRESS LENDING | $135,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $125,000 | n/a | 0.0% | |
| Gateway First Bank | $980,000 | $115,000 | -88.3% | 0.0% |
| HomeTrust Bank | $105,000 | n/a | 0.0% | |
| Sound Community Bank | $325,000 | $85,000 | -73.8% | 0.0% |
| CHEVRON | $135,000 | $75,000 | -44.4% | 0.0% |
| CANVAS CREDIT UNION | $65,000 | n/a | 0.0% | |
| KITSAP Credit Union | $335,000 | $65,000 | -80.6% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| iQ Credit Union | $55,000 | n/a | 0.0% | |
| MidFirst Bank | $45,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | $25,000 | 0.0% | 0.0% |
KENNEWICK - RICHLAND's top lender by overall market share is HOMEBRIDGE FINANCIAL SERVICES, INC., with 7.5% market share. In second place, with 6.5%, is QUICKEN LOANS, LLC, having originated $305,520,000 in loans. In third place, with 5.6%, is GESA, having originated $263,920,000 in loans. In third place, with 5.3%, is Umpqua Bank, having originated $252,300,000 in loans. In third place, with 4.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $194,180,000 in loans.
KENNEWICK-RICHLAND, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 6,276 | $2,037,790,000 | $324,696 |
| Refi | 5,551 | $1,507,175,000 | $271,514 |
| Cash Out Refi | 4,094 | $1,055,130,000 | $257,726 |
| Home Improvement | 689 | $78,395,000 | $113,781 |
| Other | 438 | $56,310,000 | $128,562 |
Kennewick - Richland's most frequently cited loan purpose was Home Purchase, with 6,276 originations. The 2nd most popular reason was Refi, with 5,551 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 6,651 | $1,944,575,000 | $292,373 |
| 2.5-3% | 6,294 | $1,799,360,000 | $285,885 |
| <2.5% | 3,212 | $768,040,000 | $239,116 |
| 4-5% | 573 | $136,145,000 | $237,600 |
| 5-6% | 100 | $37,910,000 | $379,100 |
| Over 8% | 40 | $3,600,000 | $90,000 |
| 6-7% | 39 | $5,915,000 | $151,667 |
| 7-8% | 30 | $4,660,000 | $155,333 |
During 2021, Kennewick - Richland's most frequently originated rate bucket was 3-4%, with 6,651 originations.
Loan Sizing (KENNEWICK-RICHLAND, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 9,647 | $2,768,445,000 | $286,975 |
| $100k-200k | 3,561 | $555,285,000 | $155,935 |
| $400k-600k | 2,047 | $961,915,000 | $469,915 |
| $100,000 or less | 1,501 | $75,795,000 | $50,496 |
| $600k-1000k | 254 | $180,770,000 | $711,693 |
| $Over $1MM | 38 | $192,590,000 | $5,068,158 |
KENNEWICK - RICHLAND's loan sizing saw the bucket of loans from $200k-400k with 9,647 originations, totaling $2,768,445,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 5,753 | $1,830,325,000 | $318,151 |
| 80-100% | 5,265 | $1,796,565,000 | $341,228 |
| 40-60% | 3,020 | $676,490,000 | $224,003 |
| 20-40% | 1,276 | $174,040,000 | $136,395 |
| Under 20% | 1,050 | $47,280,000 | $45,029 |
| Over 100% | 134 | $56,360,000 | $420,597 |
KENNEWICK - RICHLAND's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 5,753 originations, totaling $1,830,325,000 in origination value.
