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 3.21% for the week of 2021-11-24, compared to the national average of 3.1% for the same period.

The average rate for the prior week (2021-11-18) was 3.51% and one month ago for the week of 2021-10-21, the average rate was 3.4%.

Kennewick - Richland's average rate one year ago was 2.83%.

For refis of the same type during the week of 2021-11-24, the average rate was 3%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-11-24 3.1%
Kennewick - Richland 30 Year Fixed Rate 2021-11-24 3.21%
Kennewick - Richland 30 Year Fixed Rate Refi 2021-11-24 3%
Kennewick - Richland 15 Year Fixed Rate 2021-11-24 2.83%
Kennewick - Richland 15 Year Fixed Rate Refi 2021-11-24 2.45%
Kennewick - Richland 30 Year FHA 2021-11-24 3.59%
Kennewick - Richland 30 Year FHA Refi 2021-11-24 3.16%
Kennewick - Richland 30 Year USDA 2021-11-24 3.35%
Kennewick - Richland 30 Year USDA Refi 2021-11-24 4.16%
Kennewick - Richland 30 Year VA 2021-11-24 3.43%
Kennewick - Richland 30 Year VA Refi 2021-11-24 3.14%
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.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
GESA 752 3.26% $5,318
HOMEBRIDGE FINANCIAL SERVICES, INC. 620 3.28% $4,872
QUICKEN LOANS, LLC 567 3.25% $5,206
1st Security Bank of Washington 522 3.27% $4,483
Umpqua Bank 399 3.29% $5,184
CALIBER HOME LOANS, INC. 362 3.24% $3,853
PRIMELENDING, A PLAINSCAPITAL COMPANY 330 3.27% $4,455
ENVOY MORTGAGE, LTD 304 3.28% $4,868
Flagstar Bank, FSB 294 3.30% $4,164
UNITED WHOLESALE MORTGAGE, LLC 287 3.10% $4,814
SUMMIT FUNDING, INC. 271 3.40% $5,148
FINANCE OF AMERICA MORTGAGE LLC 270 3.35% $4,850
HAPO COMMUNITY CREDIT UNION 235 3.42% $3,598
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 170 3.44% $6,030
CHURCHILL MORTGAGE CORPORATION 157 3.42% $4,616
SPOKANE TEACHERS 138 3.33% $4,944
JPMorgan Chase Bank, National Association 116 3.29% $3,217
CHERRY CREEK MORTGAGE, LLC 111 3.33% $4,490
LOANDEPOT.COM, LLC 110 3.29% $4,621
Wells Fargo Bank, National Association 105 3.48% $3,125
AMERICAN PACIFIC MORTGAGE CORPORATION 104 3.39% $4,821
GUILD MORTGAGE COMPANY 100 3.24% $4,929
Banner Bank 98 3.47% $4,182
NUMERICA CREDIT UNION 94 3.30% $5,111
LPMC, LLC 89 3.18% $4,250
Yakima Federal Savings and Loan Association 84 3.40% $4,880
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 65 3.32% $3,015
U.S. Bank National Association 62 3.42% $3,076
AMERISAVE MORTGAGE CORPORATION 61 2.91% $4,287
CORNERSTONE HOME LENDING, INC. 58 3.23% $5,753
ACADEMY MORTGAGE CORPORATION 51 3.32% $4,662
KeyBank National Association 48 3.30% $2,961
Bank of America, National Association 47 3.40% $3,863
NATIONSTAR MORTGAGE LLC 46 3.34% $5,291
PENNYMAC LOAN SERVICES, LLC 45 3.39% $5,463
NEWREZ LLC 45 3.45% $3,791
BETTER MORTGAGE CORPORATION 41 3.00% $3,465
BROKER SOLUTIONS, INC. 40 3.23% $4,071
MUTUAL OF OMAHA MORTGAGE, INC. 38 3.13% $2,838
PROVIDENT FUNDING ASSOCIATES, L.P. 35 3.23% $3,242
HOME POINT FINANCIAL CORPORATION 33 3.14% $4,441
ON Q FINANCIAL, INC. 28 3.13% $5,103
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 27 3.30% $4,681
Washington Trust Bank 27 3.36% $2,950
BAY EQUITY LLC 26 3.26% $4,595
Strong Home Mortgage, LLC 25 3.07% $1,527
HomeStreet Bank 24 3.24% $4,302
DAS Acquisition Company, LLC 23 3.56% $3,834
DIRECTORS MORTGAGE, INC. 22 3.05% $4,282
Wheatland Bank 22 2.93% $5,047
GENEVA FINANCIAL, LLC 21 3.50% $5,349
FREEDOM MORTGAGE CORPORATION 20 3.40% $1,942
NBKC BANK 20 3.31% $2,206
Boeing Employees Credit Union 16 3.51% $3,806
PRIMARY RESIDENTIAL MORTGAGE, INC. 15 3.28% $3,031
LAND HOME FINANCIAL SERVICES, INC. 14 3.07% $4,694
LADERA LENDING, INC. 14 2.97% $4,121
AMERICAN FINANCIAL NETWORK, INC. 14 3.17% $6,418
NAVY FEDERAL CREDIT UNION 14 3.63% $5,760
USAA Federal Savings Bank 14 3.57% $4,810
FirstBank 14 3.10% $1,841
STEARNS LENDING, LLC 13 3.21% $5,511
AMERICAN FINANCING CORPORATION 12 3.08% $4,504
Columbia State Bank 12 3.02% $3,015
KELLER MORTGAGE, LLC 11 2.93% $2,373
Victorian Finance, LLC 11 2.76% $3,624
MOVEMENT MORTGAGE, LLC 10 3.18% $4,098
LAKEVIEW LOAN SERVICING, LLC 10 3.64% $2,394
Wyndham Capital Mortgage, Inc. 10 2.98% $1,464
Solarity Credit Union 10 3.28% $5,531
Sierra Pacific Mortgage Company, Inc. 9 3.53% $4,221
HOMESIDE FINANCIAL, LLC 9 2.98% $4,834
S1L, Inc. 8 3.02% $3,726
SOVEREIGN LENDING GROUP INCORPORATED 8 2.95% $3,809
GUARANTEED RATE AFFINITY, LLC 8 2.87% $1,213
Bank of the West 8 3.33% $3,279
CMG MORTGAGE, INC. 8 3.42% $4,357
First Interstate Bank 8 3.19% $3,210
CROSSCOUNTRY MORTGAGE, LLC 8 3.01% $4,900
The Federal Savings Bank 7 3.21% $6,478
Cf Bank, National Association 7 3.11% $1,299
AXIA FINANCIAL, LLC 7 3.38% $5,477
WASHINGTON STATE EMPLOYEES Credit Union 7 3.34% $4,897
North American Savings Bank, F.S.B. 7 2.96% $2,597
First Guaranty Mortgage Corporation 7 3.07% $2,542
OnPoint Community Credit Union 6 3.15% $2,578
MORTGAGE SOLUTIONS OF COLORADO, LLC 6 3.69% $5,559
BNC National Bank 6 3.08% $2,756
EMM LOANS LLC 6 3.67% $7,032
Ally Bank 6 2.98% $6,624
Commerce Home Mortgage, Inc. 5 3.55% $4,226
EVERETT FINANCIAL, INC. 5 3.08% $1,869
MORTGAGE MASTER SERVICE CORPORATION 5 2.90% $3,722
MOUNTAIN AMERICA 5 3.28% $5,384
NETWORK CAPITAL FUNDING CORPORATION 5 2.93% $3,649
Third Federal Savings and Loan Association of Cleveland 5 3.07% $295
First National Bank of America 5 6.78% $8,520
Summit Mortgage Corporation 5 3.18% $5,289
Willamette Valley Bank 5 3.13% $6,782
ZILLOW HOME LOANS, LLC 5 2.93% $2,823
GUARANTEED RATE, INC. 5 3.35% $5,002
SIRVA MORTGAGE, INC. 5 3.38% $500
Northpointe Bank 4 2.78% $3,964
FBC MORTGAGE, LLC 4 2.72% $1,675
InterContinental Capital Group, Inc 4 3.25% $4,657
NBH Bank 4 3.41% $2,382
Sunflower Bank, National Association 4 3.28% $3,808
Carrington Mortgage Services, LLC 4 5.09% $4,387
SAMMAMISH MORTGAGE COMPANY 4 3.00% $6,838
LOANPAL, LLC 4 3.25% $5,946
PARKSIDE LENDING, LLC 4 3.34% $6,967
RANLIFE, INC. 4 2.94% $4,273
MICHIGAN MUTUAL, INC. 4 3.22% $4,288
HORIZON 4 3.59% $6,034
First Savings Bank 4 3.19% $8,356
SUN WEST MORTGAGE COMPANY, INC. 3 3.29% $1,253
TIAA, FSB 3 3.71% $2,774
PENRITH HOME LOANS LLC 3 3.08% $3,953
LIBERTY HOME MORTGAGE CORPORATION 3 2.87% $5,661
NEXERA HOLDING LLC 3 3.21% $5,608
TJC Mortgage, Inc. 3 3.04% $3,104
NFM, INC. 3 2.71% $3,551
Northwest Farm Credit Services, FLCA 3 3.22% $9,590
MANN FINANCIAL INC. 3 3.42% $3,446
SOFI LENDING CORP. 3 3.38% $5,938
GRAYSTONE FUNDING COMPANY, LLC 3 3.54% $4,241
Watermark Capital, Inc. 3 2.92% $2,590
Stifel Bank and Trust 3 2.96% $2,766
ROUNDPOINT MORTGAGE SERVICING CORPORATION 3 3.42% $1,727
Gateway First Bank 3 3.33% $3,321
CITYWIDE HOME LOANS, LLC 3 3.38% $5,356
RELIANCE FIRST CAPITAL, LLC 3 3.25% $5,423
PREMIER MORTGAGE RESOURCES, L.L.C. 3 3.13% $4,638
First Home Bank 3 3.00% $8,682
Potlatch No. 1 Financial Credit Union 3 3.50% $4,286
PLANET HOME LENDING, LLC 3 3.50% $7,431
First Federal Bank 3 2.92% $8,476
The Union Bank Company 2 3.00% $2,566
DIRECT MORTGAGE, CORP. 2 2.88% $4,424
Colonial Savings, F.A. 2 4.06% $3,519
First Mortgage Solutions, LLC 2 3.00% $2,242
FIRST TECHNOLOGY 2 3.00% $5,025
Glacier Bank 2 3.63% $7,294
GLOBAL 2 3.13% $3,685
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 4.38% $5,181
GSF Mortgage Corporation 2 3.81% $6,769
HighTechLending Inc 2 2.63% $1,785
HOMESTEAD FUNDING CORP. 2 2.56% $3,542
CANOPY MORTGAGE, LLC 2 2.75% $2,807
LEADERONE FINANCIAL CORPORATION 2 3.31% $2,797
LENDUS, LLC 2 3.50% $4,901
Midland States Bank 2 2.56% $3,336
Morgan Stanley Private Bank, National Association 2 2.73% $3,282
MORTGAGE EXPRESS, LLC 2 3.25% $2,474
NATIONS DIRECT MORTGAGE, LLC 2 3.31% $4,578
Opportunity Bank of Montana 2 3.25% $4,049
Pacific Lending LLC 2 3.25% $3,606
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 3.12% $3,427
Paramount Residential Mortgage Group, Inc. 2 3.43% $2,415
ATHAS CAPITAL GROUP, INC. 2 6.31% $7,842
PRIORITY HOME LENDING, LLC 2 3.25% $4,704
Semper Home Loans, Inc. 2 2.63% $1,706
Servion, Inc. 2 3.19% $5,330
SPRING EQ, LLC 2 2.63% $2,327
SUMMIT MORTGAGE CORPORATION 2 3.18% $2,581
TOP FLITE FINANCIAL, INC. 2 2.69% $4,876
Allied First Bank,sb 2 2.69% $5,212
ALLIANT CREDIT UNION 2 3.31% $4,442
Axos Bank 1 3.99% $2,546
ONY GLO, INC. 1 3.38% $3,340
OPEN MORTGAGE, LLC 1 4.00% $5,022
EMBRACE HOME LOANS, INC. 1 2.63% $3,680
VISION ONE MORTGAGE, INC. 1 3.63% $8,546
Wallick & Volk, Inc. 1 3.25% $3,137
EAGLE HOME MORTGAGE, LLC 1 3.13% $3,708
Low VA Rates, LLC 1 3.13% $1,214
LOANLEADERS OF AMERICA, INC. 1 3.25% $2,544
LENDERFI, INC. 1 3.00% $1,216
PENTAGON FEDERAL CREDIT UNION 1 3.25% $2,051
Peoples Bank 1 3.63% $5,028
PHH Mortgage Corporation 1 3.25% $4,583
Kwik Mortgage Corporation 1 3.25% $1,144
BOKF, National Association 1 3.63% $3,401
IDAHO CENTRAL 1 2.75% $4,027
Presidential Bank, FSB 1 2.88% $2,654
IAA Credit Union 1 3.75% $2,574
DRAPER AND KRAMER MORTGAGE CORP. 1 3.63% $3,076
Deere Employees Credit Union 1 1.88% $3,010
Prosperity Home Mortgage, LLC 1 3.38% $3,298
Arvest Bank 1 3.63% $2,708
ARC HOME LLC 1 2.88% $9,839
HOMEXPRESS MORTGAGE CORP. 1 6.88% $7,153
Hometown Lenders, Inc. 1 3.50% $3,209
Republic Bank & Trust Company 1 3.13% $2,066
Home Federal Savings Bank 1 3.63% $3,346
ROYAL UNITED MORTGAGE LLC 1 2.38% $6,498
CHEVRON 1 3.00% $3,217
SALAL 1 3.38% $3,151
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.25% $4,506
CONTOUR MORTGAGE CORPORATION 1 3.25% $4,013
Zions Bancorporation, N.A. 1 2.75% $3,577
Chicago Financial Services, Inc. 1 2.75% $2,509
CIT Bank, National Association 1 3.63% $3,606
GUARANTY HOME MORTGAGE CORPORATION 1 2.75% $3,835
Goldwater Bank, N.A. 1 4.50% $3,539
Golden Empire Mortgage, Inc. 1 3.13% $4,451
AmeriHome Mortgage Company, LLC 1 4.63% $6,989
DEEPHAVEN MORTGAGE LLC 1 8.25% $8,595
Citibank, National Association 1 4.50% $5,951
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 2.88% $7,018
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.63% $4,256
Florida Capital Bank, National Association 1 4.13% $8,036
First Western Trust Bank 1 2.88% $2,466
CRESCENT MORTGAGE COMPANY 1 2.88% $5,565
First Republic Bank 1 2.65% $2,655
FIRST CONTINENTAL MORTGAGE, LTD. 1 3.00% $3,203
FIRST COMMUNITY 1 3.38% $2,938
Cornerstone First Mortgage, Inc 1 2.88% $3,572
FIRST CHOICE LOAN SERVICES INC. 1 3.50% $385
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.63% $2,554
Evolve Bank & Trust 1 2.88% $4,766
ADVANTAGE PLUS 1 3.50% $3,916
TOWNE MORTGAGE COMPANY 1 3.99% $4,716
TRISTAR FINANCE, INC. 1 2.99% $3,955
AMERICAN FINANCIAL RESOURCES, INC. 1 3.63% $4,029
Colten Mortgage, LLC 1 3.00% $2,812
COLUMBIA COMMUNITY CREDIT UNION 1 2.75% $4,006
Altabank 1 3.38% $4,095
BAYSHORE MORTGAGE FUNDING, LLC 1 3.25% $4,662
NATIONS RELIABLE LENDING, LLC 1 2.75% $3,727
Nations Lending Corporation 1 2.75% $3,201
BKCO MORTGAGE, LLC 1 2.63% $3,183
MORIA DEVELOPMENT, INC. 1 2.88% $2,564
MLD MORTGAGE INC. 1 2.63% $4,933
MEGA CAPITAL FUNDING, INC. 1 2.88% $2,907
Magnolia Bank 1 3.37% $3,993
NOVA FINANCIAL & INVESTMENT CORPORATION 1 2.99% $0
Bank of the Pacific 1 3.13% $1,749
O BEE 1 3.50% $5,313
OCMBC, INC. 1 5.63% $5,941
Luxury Mortgage Corp. 1 6.50% $5,385

KENNEWICK-RICHLAND, WA's 241 lenders originated 17,407 loans during 2020. The total origination value was $4,602,395,000, with an average loan value of $264,399.

The top KENNEWICK - RICHLAND lender as defined by loan originations is GESA, with 752 loans originated. Their average total fees are $5,318, which is $446 higher than the next largest lender, HOMEBRIDGE FINANCIAL SERVICES, INC..

The lowest fee KENNEWICK - RICHLAND lenders (with over 10 loans originated) are Wyndham Capital Mortgage, Inc. ($1,464), Strong Home Mortgage, LLC ($1,527), FirstBank ($1,841), FREEDOM MORTGAGE CORPORATION ($1,942) and NBKC BANK ($2,206).

The lowest rate KENNEWICK - RICHLAND lenders (with over 10 loans originated) are Victorian Finance, LLC (2.76%), AMERISAVE MORTGAGE CORPORATION (2.91%), Wheatland Bank (2.93%), KELLER MORTGAGE, LLC (2.93%) and LADERA LENDING, INC. (2.97%).

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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
GESA Credit Union $235,715,000 $315,605,000 33.9% 6.9%
HomeBridge Financial Services, Inc. $104,240,000 $304,435,000 192.1% 6.6%
Quicken Loans $146,805,000 $301,590,000 105.4% 6.6%
Umpqua Bank $173,175,000 $263,080,000 51.9% 5.7%
1st Security Bank of Washington $108,165,000 $218,060,000 101.6% 4.7%
PRIMELENDING $95,160,000 $163,700,000 72.0% 3.6%
Envoy Mortgage Ltd. $85,420,000 $149,465,000 75.0% 3.2%
Summit Funding Inc. $89,225,000 $148,050,000 65.9% 3.2%
Caliber Home Loans Inc $89,070,000 $145,110,000 62.9% 3.2%
United Shore Financial Services LLC $75,875,000 $137,025,000 80.6% 3.0%
Finance of America Mortgage LLC $65,745,000 $124,800,000 89.8% 2.7%
Flagstar Bank $107,340,000 $118,545,000 10.4% 2.6%
HAPO COMMUNITY CREDIT UNION $53,925,000 $96,560,000 79.1% 2.1%
Freedom Mortgage Corporation $24,440,000 $94,065,000 284.9% 2.0%
WELLS FARGO BANK NA $59,525,000 $92,895,000 56.1% 2.0%
Churchill Mortgage Corporation $42,305,000 $89,735,000 112.1% 1.9%
Evergreen Moneysource Mortgage Company $40,665,000 $80,295,000 97.5% 1.7%
Numerica Credit Union $53,840,000 $72,810,000 35.2% 1.6%
Banner Bank $45,080,000 $63,445,000 40.7% 1.4%
Cherry Creek Mortgage Co. Inc. $40,955,000 $61,345,000 49.8% 1.3%
loanDepot LLC $35,095,000 $56,295,000 60.4% 1.2%
Spokane Teachers Credit Union $50,710,000 $55,885,000 10.2% 1.2%
M&T REALTY CAPITAL CORPORATION $3,825,000 $53,385,000 1,295.7% 1.2%
Yakima Federal Savings and Loan Association $44,860,000 $50,985,000 13.7% 1.1%
Guild Mortgage Company $17,310,000 $50,695,000 192.9% 1.1%
US BANK, N.A. $32,795,000 $48,925,000 49.2% 1.1%
American Pacific Mortgage Corporation $21,410,000 $45,900,000 114.4% 1.0%
JPMorgan Chase Bank, NA $37,050,000 $40,935,000 10.5% 0.9%
Nationstar Mortgage $16,880,000 $38,250,000 126.6% 0.8%
PENNYMAC LOAN SERVICES LLC $18,950,000 $36,670,000 93.5% 0.8%
Landmark Professional Mortgage Corporation $17,300,000 $35,925,000 107.7% 0.8%
FAIRWAY INDEPENDENT MORT CORP $19,090,000 $34,280,000 79.6% 0.7%
CORNERSTONE HOME LENDING, INC. $1,720,000 $31,190,000 1,713.4% 0.7%
Amerisave Mortgage Corporation $7,695,000 $28,630,000 272.1% 0.6%
Better Mortgage Corporation $7,720,000 $26,940,000 249.0% 0.6%
KeyBank National Association $19,610,000 $26,845,000 36.9% 0.6%
RED MORTGAGE CAPITAL, LLC $2,585,000 $26,085,000 909.1% 0.6%
NEWREZ LLC $6,095,000 $26,070,000 327.7% 0.6%
Bank of America NA $32,505,000 $25,985,000 -20.1% 0.6%
Greystone Servicing Corporation, Inc. $24,665,000 n/a 0.5%
Mortgage Research Center LLC $15,860,000 $23,725,000 49.6% 0.5%
Academy Mortgage Corporation $24,935,000 $23,280,000 -6.6% 0.5%
Community First Bank $15,115,000 $22,760,000 50.6% 0.5%
The Federal Savings Bank $9,170,000 $22,250,000 142.6% 0.5%
USAA FEDERAL SAVINGS BANK $27,750,000 $20,985,000 -24.4% 0.5%
Arbor Realty Trust Inc $20,755,000 n/a 0.5%
New American Funding (dba for Broker Solutions Inc) $5,880,000 $20,575,000 249.9% 0.4%
Home Point Financial Corporation $6,740,000 $19,290,000 186.2% 0.4%
Provident Funding Associates $18,625,000 $17,700,000 -5.0% 0.4%
Cornerstone Bank $16,535,000 n/a 0.4%
NAVY FEDERAL CREDIT UNION $14,040,000 $16,320,000 16.2% 0.4%
Washington Trust Bank $26,445,000 $15,925,000 -39.8% 0.3%
Synergy One Lending $4,645,000 $14,590,000 214.1% 0.3%
Cardinal Financial Company LP $6,475,000 $14,100,000 117.8% 0.3%
On Q Financial Inc. $580,000 $14,015,000 2,316.4% 0.3%
Lakeview Loan Servicing, LLC $5,700,000 $13,850,000 143.0% 0.3%
HomeStreet Bank $101,665,000 $13,565,000 -86.7% 0.3%
Bay Equity LLC $1,840,000 $12,205,000 563.3% 0.3%
NBKC Bank $4,015,000 $10,585,000 163.6% 0.2%
Boeing Employees' Credit Union (BECU) $21,015,000 $9,020,000 -57.1% 0.2%
DAS Acquisition Company, LLC $4,435,000 $8,530,000 92.3% 0.2%
CARRINGTON MORTGAGE SERVICES $12,180,000 $8,190,000 -32.8% 0.2%
Directors Mortgage, Inc. $3,685,000 $8,180,000 122.0% 0.2%
CMG Mortgage Inc. $16,405,000 $7,990,000 -51.3% 0.2%
Geneva Financial LLC $3,095,000 $7,975,000 157.7% 0.2%
Sun West Mortgage Company Inc. $2,110,000 $7,510,000 255.9% 0.2%
American Financing Corporation $2,975,000 $7,380,000 148.1% 0.2%
FIRST INTERSTATE BANK $2,050,000 $6,905,000 236.8% 0.2%
Primary Residential Mortgage Inc. $3,040,000 $6,420,000 111.2% 0.1%
American Financial Network Inc. $7,755,000 $6,355,000 -18.1% 0.1%
FirstBank $4,710,000 $6,345,000 34.7% 0.1%
Columbia State Bank $4,595,000 $6,330,000 37.8% 0.1%
NewDay Financial LLC dba NewDay USA $5,990,000 $5,990,000 0.0% 0.1%
Washington State Employees Credit Union $2,235,000 $5,845,000 161.5% 0.1%
BANK OF THE WEST $4,760,000 $5,685,000 19.4% 0.1%
Ladera Lending, Inc. $2,085,000 $5,380,000 158.0% 0.1%
Land Home Financial Services Inc. $1,305,000 $5,315,000 307.3% 0.1%
Planet Home Lending LLC $4,710,000 $5,175,000 9.9% 0.1%
North American Savings Bank $2,245,000 $5,000,000 122.7% 0.1%
Village Capital & Investment $375,000 $4,445,000 1,085.3% 0.1%
Stearns Lending $2,925,000 $4,390,000 50.1% 0.1%
Sovereign Lending Group, Inc $1,440,000 $4,355,000 202.4% 0.1%
Guaranteed Rate Inc. $665,000 $4,215,000 533.8% 0.1%
First Guaranty Mortgage Corporation $2,340,000 $4,185,000 78.8% 0.1%
Mortgage Solutions of Colorado LLC $2,020,000 $4,085,000 102.2% 0.1%
Sierra Pacific Mortgage $1,605,000 $4,040,000 151.7% 0.1%
Guaranteed Rate Affinity LLC $3,645,000 $4,020,000 10.3% 0.1%
Solarity Credit Union $3,960,000 $3,870,000 -2.3% 0.1%
Victorian Finance, LLC $3,860,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $865,000 $3,855,000 345.7% 0.1%
Keller Mortgage LLC $480,000 $3,805,000 692.7% 0.1%
WALKER & DUNLOP, LLC $11,810,000 $3,735,000 -68.4% 0.1%
Baker Boyer Natinal Bank $1,435,000 $3,715,000 158.9% 0.1%
Summit Mortgage Corporation $485,000 $3,680,000 658.8% 0.1%
PHH MORTGAGE CORPORATION $660,000 $3,635,000 450.8% 0.1%
BNC NATIONAL BANK $3,055,000 $3,550,000 16.2% 0.1%
Homeside Financial LLC $3,535,000 n/a 0.1%
Nations Direct Mortgage LLC $815,000 $3,485,000 327.6% 0.1%
Wyndham Capital Mortgage $2,535,000 $3,160,000 24.7% 0.1%
Third Federal Savings and Loan $1,150,000 $3,135,000 172.6% 0.1%
Pentagon Federal Credit Union $55,000 $3,085,000 5,509.1% 0.1%
First Savings Bank $1,465,000 $3,080,000 110.2% 0.1%
Paramount Residential Mortgage Group Inc. $2,520,000 $2,890,000 14.7% 0.1%
Lakeview Community Capital, LLC $2,845,000 n/a 0.1%
LoanPal $4,505,000 $2,820,000 -37.4% 0.1%
Timberland Bank $2,740,000 n/a 0.1%
AAG $2,195,000 $2,735,000 24.6% 0.1%
Bank of England $530,000 $2,690,000 407.5% 0.1%
American Financial Resources Inc. $2,280,000 $2,655,000 16.4% 0.1%
Premier Mortgage Resources LLC $520,000 $2,605,000 401.0% 0.1%
Sirva Mortgage Inc. $2,185,000 $2,585,000 18.3% 0.1%
Cashmere Valley Bank $2,505,000 n/a 0.1%
Nations Lending Corporation $2,485,000 $2,495,000 0.4% 0.1%
Intercontinental Capital Group, Inc. $2,460,000 n/a 0.1%
Washington Federal $630,000 $2,395,000 280.2% 0.1%
Cf Bank National Association $315,000 $2,380,000 655.6% 0.1%
Northpointe Bank $590,000 $2,355,000 299.2% 0.1%
Sammamish Mortgage Company $755,000 $2,355,000 211.9% 0.1%
FBC Mortgage LLC $1,425,000 $2,310,000 62.1% 0.1%
Axia Financial LLC $675,000 $2,295,000 240.0% 0.0%
Commerce Home Mortgage Inc. $225,000 $2,295,000 920.0% 0.0%
Michigan Mutual, Inc. DBA MiMutual Mortgage $940,000 $2,260,000 140.4% 0.0%
Network Capital Funding Corporation $875,000 $2,260,000 158.3% 0.0%
Summit Mortgage Corporation $485,000 $2,220,000 357.7% 0.0%
TJC Mortgage, Inc. $145,000 $2,150,000 1,382.8% 0.0%
Mortgage Lenders of America LLC $205,000 $2,100,000 924.4% 0.0%
WMS Series LLC $570,000 $2,095,000 267.5% 0.0%
Bayshore Mortgage Funding LLC $2,070,000 $2,080,000 0.5% 0.0%
LeaderOne Financial Corp. $1,080,000 $2,030,000 88.0% 0.0%
E Mortgage Management LLC $835,000 $1,970,000 135.9% 0.0%
Willamette Valley Bank $915,000 $1,970,000 115.3% 0.0%
Mann Mortgage LLC $5,045,000 $1,900,000 -62.3% 0.0%
Northwest Farm Credit Services, FLCA $2,740,000 $1,865,000 -31.9% 0.0%
Parkside Lending LLC $1,820,000 n/a 0.0%
Supreme Lending/ Everett Financial Inc. $440,000 $1,770,000 302.3% 0.0%
Finance of America Reverse LLC $905,000 $1,715,000 89.5% 0.0%
Stifel Bank and Trust $1,590,000 n/a 0.0%
SoFi Lending Corp $815,000 $1,585,000 94.5% 0.0%
Alaska USA Federal Credit Union $70,000 $1,565,000 2,135.7% 0.0%
First Mortgage Solutions LLC $275,000 $1,560,000 467.3% 0.0%
Highlands Residential Mortgage Ltd $1,555,000 n/a 0.0%
OnPoint Community Credit Union $515,000 $1,495,000 190.3% 0.0%
Discover Bank $1,110,000 $1,490,000 34.2% 0.0%
Horizon Credit Union $510,000 $1,490,000 192.2% 0.0%
Sunflower Bank, N.A. $470,000 $1,475,000 213.8% 0.0%
Liberty Home Mortgage Corp $1,470,000 n/a 0.0%
Mortgage Master Service Corporation $2,250,000 $1,445,000 -35.8% 0.0%
WEI Mortgage LLC $1,400,000 n/a 0.0%
Glacier Bank $645,000 $1,385,000 114.7% 0.0%
Alliant Credit Union $1,355,000 n/a 0.0%
AmeriHomeMortgageCompany,LL $660,000 $1,355,000 105.3% 0.0%
Barrington Bank & Trust $1,185,000 $1,355,000 14.3% 0.0%
Florida Capital Bank National Association $265,000 $1,355,000 411.3% 0.0%
HighTechLending Inc. $1,305,000 n/a 0.0%
LendUS LLC dba RPM Mortgage $1,305,000 n/a 0.0%
Magnolia Bank Incorporated $890,000 $1,300,000 46.1% 0.0%
Mid America Mortgage Inc. $1,200,000 $1,295,000 7.9% 0.0%
Red Canoe Credit Union $520,000 $1,295,000 149.0% 0.0%
NFM, Inc. $1,270,000 n/a 0.0%
Open Mortgage LLC $250,000 $1,265,000 406.0% 0.0%
Oceanside Mortgage Company $440,000 $1,245,000 183.0% 0.0%
Nudge Funding LLC $1,225,000 n/a 0.0%
Midland States Bank $1,215,000 n/a 0.0%
Morgan Stanley Private Bank NA $1,430,000 $1,190,000 -16.8% 0.0%
Mountain America Credit Union $665,000 $1,175,000 76.7% 0.0%
US Mortgage of Florida $1,175,000 n/a 0.0%
Reliance First Capital LLC $565,000 $1,165,000 106.2% 0.0%
Potlatch No.1 Federal Credit Union $215,000 $1,130,000 425.6% 0.0%
RANLife, Inc. $285,000 $1,125,000 294.7% 0.0%
FIRST NATIONAL BANK OF AMERICA $690,000 $1,120,000 62.3% 0.0%
PRIORITY HOME LENDING, LLC $1,105,000 n/a 0.0%
First Home Bank $315,000 $1,060,000 236.5% 0.0%
Low VA Rates $460,000 $1,055,000 129.3% 0.0%
Watermark Home Loans $1,120,000 $1,050,000 -6.3% 0.0%
TCF National Bank $1,915,000 $1,045,000 -45.4% 0.0%
First Federal Bank of Kansas City $545,000 $1,030,000 89.0% 0.0%
Servion, Inc. $1,020,000 n/a 0.0%
LendingHome Funding Corporation $1,200,000 $995,000 -17.1% 0.0%
Global Credit Union $650,000 $985,000 51.5% 0.0%
GATEWAY MORTGAGE GROUP $275,000 $980,000 256.4% 0.0%
First Technology Credit Union $925,000 $970,000 4.9% 0.0%
AimLoan.com $1,120,000 $960,000 -14.3% 0.0%
Graystone Mortgage LLC $500,000 $890,000 78.0% 0.0%
Nexera Holding LLC $415,000 $885,000 113.3% 0.0%
Mortgage Express $795,000 $870,000 9.4% 0.0%
Colonial Savings $865,000 n/a 0.0%
Idaho Central Credit Union $670,000 $860,000 28.4% 0.0%
Alaska USA Mortgage Company, LLC $1,065,000 $855,000 -19.7% 0.0%
DIRECT MORTGAGE CORP $355,000 $855,000 140.8% 0.0%
NBH Bank $850,000 n/a 0.0%
United Security Financial $345,000 $845,000 144.9% 0.0%
top flite financial, inc. $230,000 $830,000 260.9% 0.0%
Gold Star Mortgage Financial Group, Corporation $245,000 $825,000 236.7% 0.0%
Columbia Credit Union $2,325,000 $820,000 -64.7% 0.0%
PNC BANK NA $215,000 $810,000 276.7% 0.0%
SPRING EQ, LLC $285,000 $800,000 180.7% 0.0%
MUFG Union Bank, NA $1,440,000 $795,000 -44.8% 0.0%
Belem Servicing, LLC dba Patriot Home Mortgage $245,000 $780,000 218.4% 0.0%
Paramount Bank $780,000 n/a 0.0%
Allied First BankSB $770,000 n/a 0.0%
Homestead Funding Corp. $770,000 n/a 0.0%
Contour Mortgage Corporation $400,000 $765,000 91.3% 0.0%
Finance of America Commercial LLC $320,000 $760,000 137.5% 0.0%
UBS Bank USA $755,000 $760,000 0.7% 0.0%
Peoples Bank $745,000 n/a 0.0%
Thrive Mortgage LLC $740,000 n/a 0.0%
Citywide Home Loans A Utah Corporation $725,000 n/a 0.0%
NOVA Financial & Investment Corporation dba: Nova Home Loans $455,000 $720,000 58.2% 0.0%
Reverse Mortgage Funding LLC $430,000 $720,000 67.4% 0.0%
TIAA, FSB $1,685,000 $715,000 -57.6% 0.0%
Semper Home Loans, Inc $710,000 n/a 0.0%
Embrace Home Loans, Inc. $330,000 $695,000 110.6% 0.0%
Financail Funding Solutions, Inc $475,000 $695,000 46.3% 0.0%
Plaza Home Mortgage Inc. $315,000 $670,000 112.7% 0.0%
Triad Financial Services Inc $65,000 $670,000 930.8% 0.0%
Rivermark Community Credit Union $645,000 n/a 0.0%
Loan Simple Inc $635,000 $635,000 0.0% 0.0%
Athas Capital Group $365,000 $630,000 72.6% 0.0%
Credit Human Federal Credit Union $175,000 $630,000 260.0% 0.0%
First Choice Loan Services Inc. $2,995,000 $630,000 -79.0% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC $965,000 $620,000 -35.8% 0.0%
Royal United Mortgage LLC $480,000 $615,000 28.1% 0.0%
Community First National Bank $620,000 $610,000 -1.6% 0.0%
Branch Banking And Trust Co $585,000 n/a 0.0%
Crescent Mortgage Company $275,000 $580,000 110.9% 0.0%
Towne Mortgage Company $580,000 n/a 0.0%
ZB, N.A. $580,000 n/a 0.0%
CIT BANK N.A. $665,000 $575,000 -13.5% 0.0%
LenderFi, Inc. $960,000 $530,000 -44.8% 0.0%
Merchants Bank of Indiana $530,000 n/a 0.0%
The Union Bank Company $275,000 $510,000 85.5% 0.0%
Guaranty Trust Company $505,000 n/a 0.0%
GSF Mortgage Corporation $500,000 n/a 0.0%
Pacific Residential Mortgage LLC $175,000 $500,000 185.7% 0.0%
IAA CREDIT UNION $495,000 n/a 0.0%
M&T Bank $665,000 $495,000 -25.6% 0.0%
COMPASS BANK $485,000 n/a 0.0%
KS StateBank $485,000 n/a 0.0%
American Neighborhood Mortgage dba AnnieMac Home Mortgage $690,000 $475,000 -31.2% 0.0%
PEOPLE'S INTERMOUNTAIN BANK $475,000 n/a 0.0%
Midwest Loan Services Inc $335,000 $470,000 40.3% 0.0%
Opportunity Bank of Montana $225,000 $470,000 108.9% 0.0%
Velocity Commercial Capital LLC $470,000 n/a 0.0%
Goldwater Bank National Association $1,420,000 $460,000 -67.6% 0.0%
First Western Trust Bank $450,000 n/a 0.0%
Toyota Financial Savings Bank $1,070,000 $445,000 -58.4% 0.0%
Hometown Lenders LLC $235,000 $440,000 87.2% 0.0%
JMAC Lending Incorporated $1,515,000 $440,000 -71.0% 0.0%
Chicago Financial Services, In $435,000 n/a 0.0%
Dominion Financial Services $950,000 $435,000 -54.2% 0.0%
First Centennial Mortgage Corp. $975,000 $435,000 -55.4% 0.0%
Thrivent Federal Credit Union $175,000 $420,000 140.0% 0.0%
21ST MORTGAGE $130,000 $405,000 211.5% 0.0%
Mid-Continent Funding, Inc. $405,000 n/a 0.0%
Pacific NW FCU $400,000 n/a 0.0%
CAPITAL BANK, NA $395,000 n/a 0.0%
Eagle Home Mortgage, LLC $95,000 $395,000 315.8% 0.0%
Sound Credit Union $420,000 $390,000 -7.1% 0.0%
VanDyk Mortgage Corporation $375,000 n/a 0.0%
Calculated Risk Analytics LLC dba Excelerate Capital $365,000 n/a 0.0%
Ivy Mortgage, Inc. $355,000 n/a 0.0%
Advantage Plus FCU $350,000 n/a 0.0%
Bank of The Pacific $350,000 n/a 0.0%
Colten Mortgage $335,000 n/a 0.0%
Kitsap Credit Union $385,000 $335,000 -13.0% 0.0%
Kwik Mortgage Corp. $335,000 n/a 0.0%
Seattle Bank $325,000 n/a 0.0%
Sound Community Bank $325,000 n/a 0.0%
CBNA $865,000 $315,000 -63.6% 0.0%
Presidential Bank FSB $315,000 n/a 0.0%
ARVEST BANK $230,000 $310,000 34.8% 0.0%
CU Home Mortgage Solutions LLC $310,000 n/a 0.0%
CITY 1ST MORTGAGE SERVICES, LC $305,000 n/a 0.0%
MLD Mortgage Inc. $305,000 n/a 0.0%
Amcap Mortgage Ltd. $295,000 n/a 0.0%
AmWest Funding Corp. $295,000 n/a 0.0%
Truity Credit Union $295,000 n/a 0.0%
American Heritage Capital, LP $285,000 n/a 0.0%
Prosperity Home Mortgage LLC $285,000 n/a 0.0%
Vision One Mortgage $1,550,000 $275,000 -82.3% 0.0%
Ark-La-Tex Financial Services LLC $265,000 n/a 0.0%
Deere Employees Credit Union $265,000 n/a 0.0%
Evolve Bank & Trust $265,000 n/a 0.0%
FIRST REPUBLIC BANK $265,000 n/a 0.0%
Idaho State University FCU $265,000 n/a 0.0%
BOKF NA $265,000 $255,000 -3.8% 0.0%
O Bee Credit Union $400,000 $255,000 -36.3% 0.0%
Home Federal Savings Bank $245,000 n/a 0.0%
T2 Financial LLC $245,000 n/a 0.0%
CountryPlace Mortgage Ltd. $235,000 n/a 0.0%
Golden Empire Mortgage, Inc. $235,000 n/a 0.0%
Cstone Mortgage Inc $225,000 n/a 0.0%
Nations Reliable Lending, LLC $215,000 $225,000 4.7% 0.0%
Peoples Mortgage Company $145,000 $225,000 55.2% 0.0%
SALAL CREDIT UNION $850,000 $225,000 -73.5% 0.0%
Liberty Home Equity Solutions, Inc. $680,000 $220,000 -67.6% 0.0%
Draper and Kramer Mortgage Corp. $215,000 n/a 0.0%
First Continental Mortgage Ltd $215,000 n/a 0.0%
Impac Mortgage Corp. dba CashCall Mortgage $655,000 $215,000 -67.2% 0.0%
OCMBC Inc. $215,000 n/a 0.0%
OGI Mortgage Bankers $660,000 $215,000 -67.4% 0.0%
Citibank, N.A. $65,000 $210,000 223.1% 0.0%
Axos Bank $225,000 $205,000 -8.9% 0.0%
James B. Nutter & Company $205,000 $205,000 0.0% 0.0%
Lantzman Lending $205,000 n/a 0.0%
Republic Bank & Trust Company $205,000 n/a 0.0%
Whatcom Educational Credit Union $205,000 $205,000 0.0% 0.0%
First Community Credit Union $205,000 $195,000 -4.9% 0.0%
HOMEXPRESS MORTGAGE CORP. $2,455,000 $195,000 -92.1% 0.0%
Plains Commerce Bank $195,000 n/a 0.0%
Luxury Mortgage Corp. $225,000 $185,000 -17.8% 0.0%
METROPOLITAN HOME MORTGAGE $480,000 $185,000 -61.5% 0.0%
APCI Federal Credit Union $175,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $175,000 n/a 0.0%
Longbridge Financial, LLC $165,000 $175,000 6.1% 0.0%
WEST TOWN BANK & TRUST $165,000 n/a 0.0%
Waterstone Mortgage Corp $155,000 n/a 0.0%
Chevron Federal Credit Union $135,000 n/a 0.0%
Unitus Community Credit Union $110,000 n/a 0.0%
Advantis Credit Union $35,000 $105,000 200.0% 0.0%
Inland Bank and Trust $105,000 n/a 0.0%
State Farm Bank $3,760,000 $105,000 -97.2% 0.0%
Connexus Credit Union $35,000 $55,000 57.1% 0.0%
State Department Federal Credit Union $55,000 n/a 0.0%
Citizens Equity First Credit Union (CEFCU) $35,000 n/a 0.0%
Home Loan Investment Bank $25,000 n/a 0.0%

KENNEWICK - RICHLAND's top lender by overall market share is GESA Credit Union, with 6.9% market share. In second place, with 6.6%, is HomeBridge Financial Services, Inc., having originated $304,435,000 in loans. In third place, with 6.6%, is Quicken Loans, having originated $301,590,000 in loans. In third place, with 5.7%, is Umpqua Bank, having originated $263,080,000 in loans. In third place, with 4.7%, is 1st Security Bank of Washington, having originated $218,060,000 in loans.


KENNEWICK-RICHLAND, WA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 6,926 $1,935,980,000 $279,524
Home Purchase 5,944 $1,683,340,000 $283,200
Cash Out Refi 3,384 $852,310,000 $251,865
Home Improvement 663 $75,755,000 $114,261
Other 489 $54,805,000 $112,076
NA 1 $205,000 $205,000

Kennewick - Richland's most frequently cited loan purpose was Refi, with 6,926 originations. The 2nd most popular reason was Home Purchase, with 5,944 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 8,019 $2,147,835,000 $267,843
2.5-3% 5,878 $1,644,070,000 $279,699
<2.5% 1,856 $414,510,000 $223,335
4-5% 1,169 $247,735,000 $211,920
5-6% 201 $26,755,000 $133,109
6-7% 69 $6,425,000 $93,116
Over 8% 49 $3,685,000 $75,204
7-8% 28 $2,650,000 $94,643

During 2020, Kennewick - Richland's most frequently originated rate bucket was 3-4%, with 8,019 originations.

Loan Sizing (KENNEWICK-RICHLAND, WA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 10,399 $2,914,725,000 $280,289
$100k-200k 3,792 $601,110,000 $158,521
$400k-600k 1,544 $711,070,000 $460,538
$100,000 or less 1,521 $73,895,000 $48,583
$600k-1000k 114 $81,270,000 $712,895
$Over $1MM 37 $220,325,000 $5,954,730

KENNEWICK - RICHLAND's loan sizing saw the bucket of loans from $200k-400k with 10,399 originations, totaling $2,914,725,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 6,097 $1,789,965,000 $293,581
80-100% 5,899 $1,774,655,000 $300,840
40-60% 2,580 $582,900,000 $225,930
Under 20% 1,025 $38,485,000 $37,546
20-40% 986 $126,310,000 $128,103
Over 100% 165 $59,785,000 $362,333

KENNEWICK - RICHLAND's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 6,097 originations, totaling $1,789,965,000 in origination value.