Moses Lake Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Moses Lake averaged 6.7% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

    The average rate for the prior week (2023-03-16) was 6.78% and one month ago for the week of 2023-02-16, the average rate was 6.6%.

    Moses Lake's average rate one year ago was 3.82%.

    For refis of the same type during the week of 2023-03-23, the average rate was 6.89%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Moses Lake 30 Year Fixed Rate 2023-03-23 6.7%
    Moses Lake 30 Year Fixed Rate Refi 2023-03-23 6.89%
    Moses Lake 15 Year Fixed Rate 2023-03-23 6.44%
    Moses Lake 15 Year Fixed Rate Refi 2023-03-23 5.97%
    Moses Lake 30 Year FHA 2023-03-23 6.28%
    Moses Lake 30 Year FHA Refi 2023-03-23 6.01%
    Moses Lake 30 Year USDA 2023-03-23 6.39%
    Moses Lake 30 Year USDA Refi 2023-03-23 6.25%
    Moses Lake 30 Year VA 2023-03-23 6.25%
    Moses Lake 30 Year VA Refi 2023-03-23 5.54%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Moses Lake, WA.

    Moses Lake 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 Moses Lake, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 95 4.99% $7,500
    GESA 71 4.27% $5,835
    QUICKEN LOANS, LLC 56 4.70% $7,020
    MOVEMENT MORTGAGE, LLC 49 4.99% $5,428
    CALIBER HOME LOANS, INC. 42 5.10% $6,570
    JPMorgan Chase Bank 35 4.63% $3,861
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 33 5.18% $8,791
    HORIZON 33 5.41% $5,952
    UNITED WHOLESALE MORTGAGE, LLC 28 5.04% $6,435
    ENVOY MORTGAGE, LTD 27 5.02% $7,672
    HOMEBRIDGE FINANCIAL SERVICES, INC. 26 4.25% $6,375
    Wheatland Bank 25 5.02% $6,863
    LOANDEPOT.COM, LLC 20 4.41% $6,592
    Washington Trust Bank 18 4.65% $4,219
    U.S. Bank 18 4.79% $7,080
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 4.80% $6,136
    Boeing Employees Credit Union 15 4.46% $4,498
    Washington Federal Bank 15 4.23% $6,730
    Banner Bank 14 4.87% $7,269
    FINANCE OF AMERICA MORTGAGE LLC 14 4.79% $5,700
    SPOKANE TEACHERS 13 5.32% $4,666
    HOME POINT FINANCIAL CORPORATION 13 4.61% $8,459
    Wells Fargo Bank 13 5.09% $5,019
    Peoples Bank 13 5.42% $7,288
    CHURCHILL MORTGAGE CORPORATION 12 5.06% $5,315
    BROKER SOLUTIONS, INC. 12 4.79% $8,152
    Umpqua Bank 12 4.26% $6,980
    Mr. Cooper ( Nationstar Mortgage ) 10 4.41% $7,768
    CROSSCOUNTRY MORTGAGE, LLC 8 5.12% $8,579
    PENNYMAC LOAN SERVICES, LLC 8 4.67% $7,457
    AMERISAVE MORTGAGE CORPORATION 8 4.81% $9,396
    NFM, INC. 7 4.63% $6,345
    Flagstar Bank, FSB 7 4.63% $4,648
    FREEDOM MORTGAGE CORPORATION 7 5.64% $6,421
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 4.59% $6,729
    KeyBank 6 4.06% $4,559
    GUARANTEED RATE, INC. 6 5.33% $6,571
    ACADEMY MORTGAGE CORPORATION 6 4.54% $6,774
    Northwest Farm Credit Services, FLCA 5 4.53% $9,476
    HOMESIDE FINANCIAL, LLC 5 5.60% $7,874
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 5.12% $8,089
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 4.93% $6,855
    Sunflower Bank 5 6.22% $7,217
    BETTER MORTGAGE CORPORATION 5 4.55% $3,874
    EVERETT FINANCIAL, INC. 5 6.47% $2,081
    DIRECTORS MORTGAGE, INC. 4 4.20% $7,313
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 4.75% $5,267
    BAY EQUITY LLC 4 4.78% $7,578
    CMG MORTGAGE, INC. 4 4.90% $7,007
    LAKEVIEW LOAN SERVICING, LLC 4 4.91% $3,909
    Paramount Residential Mortgage Group, Inc. 4 5.06% $10,411
    PREMIER MORTGAGE RESOURCES, L.L.C. 4 5.50% $9,300
    Strong Home Mortgage, LLC 4 3.53% $2,684
    WASHINGTON STATE EMPLOYEES Credit Union 4 4.38% $3,040
    NAVY FEDERAL CREDIT UNION 3 4.29% $3,694
    1st Security Bank of Washington 3 5.00% $4,903
    MANN FINANCIAL INC. 3 4.13% $7,355
    ON Q FINANCIAL, INC. 3 5.08% $7,060
    NUMERICA CREDIT UNION 3 5.50% $6,686
    HAPO COMMUNITY CREDIT UNION 3 5.50% $8,010
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 5.50% $6,709
    Citadel Servicing Corporation 3 6.83% $8,588
    First National Bank of America 2 7.63% $8,049
    HomeStreet Bank 2 5.69% $5,416
    Hometown Lenders, Inc. 2 4.94% $13,647
    LADERA LENDING, INC. 2 4.69% $5,768
    CORNERSTONE HOME LENDING, INC. 2 5.13% $9,043
    Loan Simple, Inc. 2 6.00% $221
    AMERICAN FINANCING CORPORATION 2 4.81% $4,420
    PENRITH HOME LOANS LLC 2 4.63% $5,158
    PLANET HOME LENDING, LLC 2 4.56% $2,957
    PNC Bank 2 3.75% $3,016
    PRIORITY HOME LENDING, LLC 2 5.94% $5,464
    Prosperity Home Mortgage, LLC 2 5.88% $4,734
    PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.44% $6,308
    Cashmere Valley Bank 2 5.06% $2,086
    RANLIFE, INC. 2 5.56% $3,899
    SIRVA MORTGAGE, INC. 2 4.13% $0
    SUMMIT FUNDING, INC. 2 5.31% $6,840
    The Huntington National Bank 2 5.54% $4,277
    Bank of America 2 5.06% $3,635
    Arvest Bank 2 3.69% $6,784
    USAA Federal Savings Bank 2 6.44% $5,082
    FIRST TECHNOLOGY 2 3.63% $5,059
    NBKC BANK 1 4.13% $1,399
    NEWREZ LLC 1 4.13% $7,339
    NexBank 1 5.00% $3,368
    NEXERA HOLDING LLC 1 8.75% $23,404
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 4.88% $5,742
    North American Savings Bank, F.S.B. 1 6.00% $784
    HOMEXPRESS MORTGAGE CORP. 1 6.50% $8,508
    NP, Inc. 1 3.63% $1,816
    Evolve Bank & Trust 1 5.38% $3,828
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.63% $3,797
    The Federal Savings Bank 1 5.75% $7,595
    CHERRY CREEK MORTGAGE, LLC 1 3.12% $140
    Gateway First Bank 1 5.38% $4,766
    Charles Schwab Bank, SSB 1 3.75% $9,596
    THRIVE MORTGAGE, LLC 1 3.88% $6,522
    Truist 1 2.99% $6,750
    PREMIA MORTGAGE, LLC 1 6.63% $0
    Ally Bank 1 3.50% $7,243
    FirstBank 1 4.99% $4,103
    Cathay Bank 1 4.00% $3,663
    GENEVA FINANCIAL, LLC 1 3.75% $7,327
    First Guaranty Mortgage Corporation 1 4.63% $3,582
    Glacier Bank 1 3.13% $7,483
    Amerifirst Financial, Inc. 1 6.50% $2,990
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.30% $1,407
    RBC Bank, (Georgia) 1 4.00% $2,003
    ROYAL UNITED MORTGAGE LLC 1 6.00% $6,416
    S1L, Inc. 1 5.63% $10,663
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.50% $8,553
    Wallick & Volk, Inc. 1 5.50% $7,246
    SOUND 1 3.00% $4,136
    Carrington Mortgage Services, LLC 1 3.88% $4,916
    STANFORD Federal Credit Union 1 3.38% $4,336
    Stifel Bank and Trust 1 2.63% $2,316
    ADVANCIAL 1 5.50% $3,899
    Deseret First Credit Union 1 3.88% $8,912
    America's Credit Union 1 3.88% $3,171
    Lakeview Community Capital, LLC 1 3.99% $4,379
    Wyndham Capital Mortgage, Inc. 1 4.25% $1,697
    CANOPY MORTGAGE, LLC 1 2.88% $1,297
    LOANLEADERS OF AMERICA, INC. 1 6.38% $11,829
    SWBC MORTGAGE CORPORATION 1 3.25% $4,436
    Low VA Rates, LLC 1 4.25% $7,531
    KELLER MORTGAGE, LLC 1 3.38% $2,354
    MID AMERICA MORTGAGE, INC. 1 3.38% $2,448
    MLD MORTGAGE INC. 1 4.99% $14,937
    Morgan Stanley Private Bank 1 4.90% $3,246
    MORTGAGE MASTER SERVICE CORPORATION 1 4.25% $9,058
    Mortgage Research Center, LLC 1 6.50% $5,783
    Columbia State Bank 1 3.99% $4,002
    CITYWIDE HOME LOANS, LLC 1 3.75% $4,001
    MUFG Union Bank 1 5.00% $4,870
    Nations Lending Corporation 1 6.99% $9,143
    EMM LOANS LLC 1 4.88% $12,470

    Moses Lake Average Closing Costs & Other Stats

    Moses Lake, WA's 138 lenders originated 2,536 loans during 2022. The total origination value was $712,800,000, with an average loan value of $281,073.

    Moses Lake's average closing costs are $5,806.

    The top Moses Lake lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 95 loans originated. Their average total fees are $7,500, which is $1,665 higher than the next largest lender, GESA.

    The lowest fee Moses Lake lenders (with over 10 loans originated) are JPMorgan Chase Bank ($3,861), Washington Trust Bank ($4,219), Boeing Employees Credit Union ($4,498), SPOKANE TEACHERS ($4,666) and Wells Fargo Bank ($5,019).

    The lowest rate Moses Lake lenders (with over 10 loans originated) are Washington Federal Bank (4.23%), HOMEBRIDGE FINANCIAL SERVICES, INC. (4.25%), Umpqua Bank (4.26%), GESA (4.27%) and Mr. Cooper ( Nationstar Mortgage ) (4.41%).

    Moses Lake, 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
    GUILD MORTGAGE COMPANY $108,280,000 $58,410,000 -46.1% 8.2%
    VERITY $175,000 $40,005,000 22,760.0% 5.6%
    GESA $39,480,000 $32,520,000 -17.6% 4.6%
    MOVEMENT MORTGAGE, LLC $75,020,000 $31,885,000 -57.5% 4.5%
    QUICKEN LOANS, LLC $71,375,000 $30,720,000 -57.0% 4.3%
    Washington Trust Bank $28,030,000 $28,820,000 2.8% 4.0%
    Umpqua Bank $24,200,000 $26,090,000 7.8% 3.7%
    CALIBER HOME LOANS, INC. $33,585,000 $22,625,000 -32.6% 3.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $36,325,000 $20,565,000 -43.4% 2.9%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $44,425,000 $20,365,000 -54.2% 2.9%
    Banner Bank $31,010,000 $19,970,000 -35.6% 2.8%
    UNITED WHOLESALE MORTGAGE, LLC $16,940,000 $17,280,000 2.0% 2.4%
    Wheatland Bank $22,995,000 $17,095,000 -25.7% 2.4%
    ENVOY MORTGAGE, LTD $15,525,000 $16,170,000 4.2% 2.3%
    HORIZON $16,520,000 $13,480,000 -18.4% 1.9%
    Washington Federal Bank $16,440,000 $13,330,000 -18.9% 1.9%
    JPMorgan Chase Bank $15,445,000 $13,300,000 -13.9% 1.9%
    U.S. Bank $16,520,000 $11,515,000 -30.3% 1.6%
    Boeing Employees Credit Union $9,045,000 $9,995,000 10.5% 1.4%
    LOANDEPOT.COM, LLC $24,785,000 $9,770,000 -60.6% 1.4%
    SPOKANE TEACHERS $7,385,000 $8,140,000 10.2% 1.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $18,135,000 $7,800,000 -57.0% 1.1%
    Columbia State Bank $3,795,000 $7,565,000 99.3% 1.1%
    Peoples Bank $4,935,000 $7,370,000 49.3% 1.0%
    HOME POINT FINANCIAL CORPORATION $12,065,000 $7,095,000 -41.2% 1.0%
    Mortgage Research Center, LLC $8,525,000 $7,085,000 -16.9% 1.0%
    Wells Fargo Bank $9,435,000 $6,910,000 -26.8% 1.0%
    KeyBank $15,990,000 $6,790,000 -57.5% 1.0%
    FINANCE OF AMERICA MORTGAGE LLC $7,215,000 $6,360,000 -11.9% 0.9%
    CHURCHILL MORTGAGE CORPORATION $3,440,000 $6,270,000 82.3% 0.9%
    BROKER SOLUTIONS, INC. $10,950,000 $6,210,000 -43.3% 0.9%
    FREEDOM MORTGAGE CORPORATION $18,510,000 $5,590,000 -69.8% 0.8%
    PENNYMAC LOAN SERVICES, LLC $12,605,000 $5,555,000 -55.9% 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $6,685,000 $4,960,000 -25.8% 0.7%
    AMERICAN PACIFIC MORTGAGE CORPORATION $9,285,000 $4,810,000 -48.2% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $8,685,000 $4,375,000 -49.6% 0.6%
    NUMERICA CREDIT UNION $4,290,000 $4,300,000 0.2% 0.6%
    AMERISAVE MORTGAGE CORPORATION $7,770,000 $4,205,000 -45.9% 0.6%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $3,305,000 $4,200,000 27.1% 0.6%
    Flagstar Bank, FSB $6,795,000 $3,535,000 -48.0% 0.5%
    NAVY FEDERAL CREDIT UNION $3,255,000 $3,455,000 6.1% 0.5%
    GUARANTEED RATE, INC. $985,000 $3,225,000 227.4% 0.5%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,255,000 $3,025,000 -42.4% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $4,200,000 $3,010,000 -28.3% 0.4%
    ACADEMY MORTGAGE CORPORATION $4,975,000 $2,950,000 -40.7% 0.4%
    NFM, INC. $5,375,000 $2,825,000 -47.4% 0.4%
    HOMESIDE FINANCIAL, LLC $2,650,000 $2,710,000 2.3% 0.4%
    America's Credit Union $2,540,000 n/a 0.4%
    SUMMIT FUNDING, INC. $5,180,000 $2,500,000 -51.7% 0.4%
    WASHINGTON STATE EMPLOYEES Credit Union $1,455,000 $2,305,000 58.4% 0.3%
    The Federal Savings Bank $3,420,000 $2,290,000 -33.0% 0.3%
    JONES LANG LASALLE MULTIFAMILY, LLC $2,265,000 n/a 0.3%
    CMG MORTGAGE, INC. $3,465,000 $2,240,000 -35.4% 0.3%
    Sunflower Bank $295,000 $2,200,000 645.8% 0.3%
    Paramount Residential Mortgage Group, Inc. $2,015,000 $2,190,000 8.7% 0.3%
    Strong Home Mortgage, LLC $585,000 $2,170,000 270.9% 0.3%
    First Interstate Bank $1,420,000 $2,110,000 48.6% 0.3%
    Northwest Farm Credit Services, FLCA $1,720,000 $2,075,000 20.6% 0.3%
    KEYPOINT $1,925,000 n/a 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $6,415,000 $1,870,000 -70.8% 0.3%
    Bank of America $2,530,000 $1,860,000 -26.5% 0.3%
    Hometown Lenders, Inc. $435,000 $1,775,000 308.0% 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $1,810,000 $1,770,000 -2.2% 0.2%
    LENDINGHOME FUNDING CORPORATION $1,190,000 $1,615,000 35.7% 0.2%
    DIRECTORS MORTGAGE, INC. $4,325,000 $1,610,000 -62.8% 0.2%
    EVERETT FINANCIAL, INC. $1,585,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $7,180,000 $1,565,000 -78.2% 0.2%
    MANN FINANCIAL INC. $2,545,000 $1,560,000 -38.7% 0.2%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $810,000 $1,495,000 84.6% 0.2%
    FIRST TECHNOLOGY $1,205,000 $1,445,000 19.9% 0.2%
    NEW DAY FINANCIAL, LLC $3,030,000 $1,440,000 -52.5% 0.2%
    BAY EQUITY LLC $1,945,000 $1,365,000 -29.8% 0.2%
    1st Security Bank of Washington $3,850,000 $1,310,000 -66.0% 0.2%
    NEWREZ LLC $4,970,000 $1,275,000 -74.3% 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $840,000 $1,250,000 48.8% 0.2%
    CORNERSTONE HOME LENDING, INC. $5,825,000 $1,185,000 -79.7% 0.2%
    PNC Bank $250,000 $1,150,000 360.0% 0.2%
    Carrington Mortgage Services, LLC $2,945,000 $1,120,000 -62.0% 0.2%
    HAPO COMMUNITY CREDIT UNION $230,000 $1,110,000 382.6% 0.2%
    AMERICAN ADVISORS GROUP $1,000,000 $1,090,000 9.0% 0.2%
    USAA Federal Savings Bank $2,855,000 $1,090,000 -61.8% 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $840,000 $1,000,000 19.0% 0.1%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,230,000 $975,000 -20.7% 0.1%
    ON Q FINANCIAL, INC. $660,000 $955,000 44.7% 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $920,000 n/a 0.1%
    Solarity Credit Union $1,350,000 $905,000 -33.0% 0.1%
    GENEVA FINANCIAL, LLC $1,270,000 $885,000 -30.3% 0.1%
    THRIVE MORTGAGE, LLC $475,000 $865,000 82.1% 0.1%
    MUFG Union Bank $370,000 $840,000 127.0% 0.1%
    Grandbridge Real Estate Capital LLC $835,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $85,000 $835,000 882.4% 0.1%
    CIVIC FINANCIAL SERVICES, LLC $1,035,000 $820,000 -20.8% 0.1%
    Nations Lending Corporation $2,345,000 $800,000 -65.9% 0.1%
    The Huntington National Bank $790,000 n/a 0.1%
    LADERA LENDING, INC. $1,660,000 $765,000 -53.9% 0.1%
    SIRVA MORTGAGE, INC. $610,000 $760,000 24.6% 0.1%
    Prosperity Home Mortgage, LLC $740,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $1,665,000 $735,000 -55.9% 0.1%
    PENRITH HOME LOANS LLC $2,125,000 $730,000 -65.6% 0.1%
    Glacier Bank $1,435,000 $720,000 -49.8% 0.1%
    Discover Bank $360,000 $710,000 97.2% 0.1%
    PLANET HOME LENDING, LLC $125,000 $705,000 464.0% 0.1%
    AMERICAN FINANCING CORPORATION $1,070,000 $700,000 -34.6% 0.1%
    HOMEXPRESS MORTGAGE CORP. $700,000 n/a 0.1%
    MARION AND POLK SCHOOLS CREDIT UNION $425,000 $695,000 63.5% 0.1%
    RANLIFE, INC. $1,230,000 $685,000 -44.3% 0.1%
    Arvest Bank $475,000 $675,000 42.1% 0.1%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $670,000 n/a 0.1%
    Wyndham Capital Mortgage, Inc. $985,000 $670,000 -32.0% 0.1%
    Citadel Servicing Corporation $665,000 n/a 0.1%
    Amerifirst Financial, Inc. $305,000 $660,000 116.4% 0.1%
    SOUND $1,660,000 $645,000 -61.1% 0.1%
    CITYWIDE HOME LOANS, LLC $2,375,000 $635,000 -73.3% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $2,185,000 $635,000 -70.9% 0.1%
    Equity Prime Mortgage LLC $630,000 n/a 0.1%
    First Guaranty Mortgage Corporation $625,000 n/a 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $610,000 n/a 0.1%
    HomeStreet Bank $3,310,000 $600,000 -81.9% 0.1%
    PRIORITY HOME LENDING, LLC $625,000 $600,000 -4.0% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $390,000 $590,000 51.3% 0.1%
    Cashmere Valley Bank $3,215,000 $590,000 -81.6% 0.1%
    North American Savings Bank, F.S.B. $2,780,000 $590,000 -78.8% 0.1%
    MID AMERICA MORTGAGE, INC. $585,000 n/a 0.1%
    Morgan Stanley Private Bank $575,000 n/a 0.1%
    Self-Help Federal Credit Union $215,000 $570,000 165.1% 0.1%
    NexBank $565,000 n/a 0.1%
    Qualstar Credit Union $1,360,000 $550,000 -59.6% 0.1%
    Wallick & Volk, Inc. $550,000 n/a 0.1%
    Deseret First Credit Union $535,000 n/a 0.1%
    OAKTREE FUNDING CORP. $535,000 n/a 0.1%
    Peoples Bank $4,935,000 $530,000 -89.3% 0.1%
    NEXERA HOLDING LLC $525,000 n/a 0.1%
    MLD MORTGAGE INC. $505,000 n/a 0.1%
    First National Bank of America $1,595,000 $500,000 -68.7% 0.1%
    Cathay Bank $495,000 n/a 0.1%
    Loan Simple, Inc. $2,010,000 $490,000 -75.6% 0.1%
    Evolve Bank & Trust $475,000 n/a 0.1%
    First Home Bank $480,000 $460,000 -4.2% 0.1%
    First Western Bank & Trust $455,000 n/a 0.1%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $450,000 n/a 0.1%
    Servion, Inc. $425,000 $445,000 4.7% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $770,000 $435,000 -43.5% 0.1%
    The Central Trust Bank $435,000 n/a 0.1%
    Ally Bank $685,000 $425,000 -38.0% 0.1%
    MEMBER FIRST MORTGAGE, LLC $425,000 n/a 0.1%
    Greenbox Loans, Inc. $215,000 $415,000 93.0% 0.1%
    LONGBRIDGE FINANCIAL, LLC $125,000 $415,000 232.0% 0.1%
    ZILLOW HOME LOANS, LLC $950,000 $410,000 -56.8% 0.1%
    FINANCE OF AMERICA REVERSE LLC $645,000 $400,000 -38.0% 0.1%
    DAS Acquisition Company, LLC $1,660,000 $395,000 -76.2% 0.1%
    PREMIA MORTGAGE, LLC $395,000 n/a 0.1%
    STANFORD Federal Credit Union $395,000 n/a 0.1%
    Charles Schwab Bank, SSB $385,000 n/a 0.1%
    AXIA FINANCIAL, LLC $205,000 $375,000 82.9% 0.1%
    S1L, Inc. $250,000 $375,000 50.0% 0.1%
    WHATCOM EDUCATIONAL CREDIT UNION $370,000 n/a 0.1%
    GSF Mortgage Corporation $335,000 $365,000 9.0% 0.1%
    Lakeview Community Capital, LLC $145,000 $360,000 148.3% 0.1%
    ALLIANT CREDIT UNION $55,000 $355,000 545.5% 0.0%
    RBC Bank, (Georgia) $345,000 n/a 0.0%
    Low VA Rates, LLC $335,000 n/a 0.0%
    NATIONS RELIABLE LENDING, LLC $335,000 n/a 0.0%
    NBKC BANK $800,000 $335,000 -58.1% 0.0%
    PANORAMA MORTGAGE GROUP, LLC $590,000 $335,000 -43.2% 0.0%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $325,000 n/a 0.0%
    Sierra Pacific Mortgage Company, Inc. $165,000 $325,000 97.0% 0.0%
    MICHIGAN MUTUAL, INC. $315,000 n/a 0.0%
    OPEN MORTGAGE, LLC $650,000 $315,000 -51.5% 0.0%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $305,000 n/a 0.0%
    NATIONWIDE MORTGAGE BANKERS, INC. $125,000 $305,000 144.0% 0.0%
    Barrington Bank & Trust Company, N.A. $1,545,000 $275,000 -82.2% 0.0%
    CANOPY MORTGAGE, LLC $725,000 $275,000 -62.1% 0.0%
    Figure Lending LLC $265,000 $275,000 3.8% 0.0%
    LEADERONE FINANCIAL CORPORATION $1,400,000 $275,000 -80.4% 0.0%
    NP, Inc. $255,000 $275,000 7.8% 0.0%
    EMM LOANS LLC $290,000 $265,000 -8.6% 0.0%
    FIBRE FEDERAL CREDIT UNION $260,000 n/a 0.0%
    First Federal Bank $245,000 $255,000 4.1% 0.0%
    SWBC MORTGAGE CORPORATION $255,000 n/a 0.0%
    LOANLEADERS OF AMERICA, INC. $315,000 $245,000 -22.2% 0.0%
    SECURITYNATIONAL MORTGAGE COMPANY $245,000 n/a 0.0%
    Stifel Bank and Trust $235,000 n/a 0.0%
    AMERICAN INTERNET MORTGAGE, INC. $225,000 n/a 0.0%
    CHERRY CREEK MORTGAGE, LLC $440,000 $225,000 -48.9% 0.0%
    FirstBank $240,000 $225,000 -6.3% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $135,000 $225,000 66.7% 0.0%
    SILVER HILL FUNDING, LLC $215,000 n/a 0.0%
    Truist $410,000 $215,000 -47.6% 0.0%
    EAST IDAHO Credit Union $205,000 n/a 0.0%
    FOUR POINTS $205,000 n/a 0.0%
    REVERSE MORTGAGE FUNDING LLC $175,000 $185,000 5.7% 0.0%
    IDAHO CENTRAL $170,000 n/a 0.0%
    MORTGAGE MASTER SERVICE CORPORATION $795,000 $165,000 -79.2% 0.0%
    RESIDENTIAL WHOLESALE MORTGAGE, INC. $165,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $300,000 $155,000 -48.3% 0.0%
    Century Mortgage Company DBA Century Lending Company $135,000 n/a 0.0%
    First Western Federal Savings Bank $135,000 n/a 0.0%
    UNIVERSITY CREDIT UNION $135,000 n/a 0.0%
    ADVANCIAL $125,000 n/a 0.0%
    DEEPHAVEN MORTGAGE LLC $125,000 n/a 0.0%
    NETWORK CAPITAL FUNDING CORPORATION $310,000 $115,000 -62.9% 0.0%
    First International Bank & Trust $105,000 n/a 0.0%
    KELLER MORTGAGE, LLC $950,000 $105,000 -88.9% 0.0%
    21ST MORTGAGE CORPORATION $285,000 $100,000 -64.9% 0.0%
    CANOPY $95,000 n/a 0.0%
    NorthWest Plus Credit Union $270,000 $95,000 -64.8% 0.0%
    PENTAGON FEDERAL CREDIT UNION $290,000 $85,000 -70.7% 0.0%
    SPRING EQ, LLC $145,000 $85,000 -41.4% 0.0%
    Gateway First Bank $370,000 $75,000 -79.7% 0.0%
    ROYAL UNITED MORTGAGE LLC $155,000 $65,000 -58.1% 0.0%
    BayCoast Bank $55,000 n/a 0.0%
    KITSAP Credit Union $55,000 n/a 0.0%
    Alaska USA Federal Credit Union $3,405,000 $45,000 -98.7% 0.0%
    HARBORSTONE $45,000 n/a 0.0%
    WINGS FINANCIAL $25,000 n/a 0.0%

    Moses Lake's top lender by overall market share is GUILD MORTGAGE COMPANY, with 8.2% market share. In second place, with 5.6%, is VERITY, having originated $40,005,000 in loans. In third place, with 4.6%, is GESA, having originated $32,520,000 in loans. In fourth place, with 4.5%, is MOVEMENT MORTGAGE, LLC, having originated $31,885,000 in loans. In fifth place, with 4.3%, is QUICKEN LOANS, LLC, having originated $30,720,000 in loans.

    Moses Lake Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Moses Lake (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 $229,225 (6.1%) $295,070 (18.1%) 0.00 213
    2018-02-01 $239,075 (9.7%) $306,748 (21.9%) 0.00 203
    2018-03-01 $245,000 (9.3%) $313,270 (19.1%) 0.00 184
    2018-04-01 $252,000 (7.3%) $313,227 (10.5%) 0.00 202
    2018-05-01 $247,375 (3.5%) $312,549 (8.2%) 0.00 215
    2018-06-01 $259,000 (6.1%) $307,067 (4.7%) 0.00 234
    2018-07-01 $254,950 (5.9%) $308,278 (7.1%) 0.00 264
    2018-08-01 $259,450 (6.4%) $337,097 (14.8%) 0.00 278
    2018-09-01 $249,250 (3.1%) $332,645 (11.9%) 0.00 297
    2018-10-01 $249,450 (4.2%) $326,672 (8.8%) 0.00 291
    2018-11-01 $239,900 (2.8%) $319,183 (9.8%) 0.00 257
    2018-12-01 $239,000 (3.3%) $311,687 (5.8%) 0.00 248
    2019-01-01 $242,198 (5.7%) $324,053 (9.8%) 0.00 198
    2019-02-01 $250,315 (4.7%) $335,353 (9.3%) 0.00 204
    2019-03-01 $267,257 (9.1%) $350,554 (11.9%) 0.00 206
    2019-04-01 $282,782 (12.2%) $364,837 (16.5%) 0.00 217
    2019-05-01 $285,982 (15.6%) $362,057 (15.8%) 0.00 259
    2019-06-01 $286,470 (10.6%) $357,695 (16.5%) 0.00 255
    2019-07-01 $299,700 (17.6%) $377,117 (22.3%) 0.00 233
    2019-08-01 $296,336 (14.2%) $371,444 (10.2%) 0.00 247
    2019-09-01 $292,716 (17.4%) $360,235 (8.3%) 0.00 269
    2019-10-01 $292,802 (17.4%) $356,810 (9.2%) 0.00 278
    2019-11-01 $294,470 (22.8%) $362,141 (13.5%) 0.00 233
    2019-12-01 $290,070 (21.4%) $362,617 (16.3%) 0.00 206
    2020-01-01 $274,625 (13.4%) $324,633 (0.2%) 0.00 201
    2020-02-01 $280,000 (11.9%) $317,689 (-5.3%) 0.00 210
    2020-03-01 $281,500 (5.3%) $318,827 (-9.1%) 0.00 240
    2020-04-01 $288,258 (1.9%) $320,897 (-12.0%) 0.00 223
    2020-05-01 $279,950 (-2.1%) $315,497 (-12.9%) 0.00 233
    2020-06-01 $281,350 (-1.8%) $321,662 (-10.1%) 0.00 218
    2020-07-01 $276,200 (-7.8%) $323,894 (-14.1%) 0.00 214
    2020-08-01 $269,900 (-8.9%) $313,029 (-15.7%) 0.00 217
    2020-09-01 $279,625 (-4.5%) $331,816 (-7.9%) 0.00 212
    2020-10-01 $274,900 (-6.1%) $329,122 (-7.8%) 0.00 218
    2020-11-01 $298,475 (1.4%) $343,859 (-5.1%) 0.00 129
    2020-12-01 $285,000 (-1.8%) $339,971 (-6.3%) 0.00 114
    2021-01-01 $279,900 (1.9%) $338,631 (4.3%) 0.00 96
    2021-02-01 $297,000 (6.1%) $351,541 (10.7%) 0.00 83
    2021-03-01 $312,725 (11.1%) $362,703 (13.8%) 0.00 96
    2021-04-01 $319,238 (10.8%) $388,868 (21.2%) 0.00 74
    2021-05-01 $302,250 (8.0%) $373,722 (18.5%) 0.00 84
    2021-06-01 $321,475 (14.3%) $431,350 (34.1%) 0.00 102
    2021-07-01 $333,993 (20.9%) $438,116 (35.3%) 0.00 123
    2021-08-01 $329,492 (22.1%) $426,388 (36.2%) 0.00 140
    2021-09-01 $337,675 (20.8%) $437,974 (32.0%) 0.00 132
    2021-10-01 $365,000 (32.8%) $458,116 (39.2%) 0.00 133
    2021-11-01 $367,232 (23.0%) $468,371 (36.2%) 0.00 134
    2021-12-01 $368,250 (29.2%) $449,209 (32.1%) 0.00 125
    2022-01-01 $358,750 (28.2%) $459,298 (35.6%) 0.00 108
    2022-02-01 $356,706 (20.1%) $409,608 (16.5%) 0.00 103
    2022-03-01 $383,000 (22.5%) $430,800 (18.8%) 0.00 91
    2022-04-01 $387,000 (21.2%) $497,658 (28.0%) 0.00 82
    2022-05-01 $384,950 (27.4%) $482,106 (29.0%) 0.00 104
    2022-06-01 $381,500 (18.7%) $471,163 (9.2%) 0.00 141
    2022-07-01 $391,200 (17.1%) $483,300 (10.3%) 0.00 158
    2022-08-01 $387,500 (17.6%) $486,110 (14.0%) 0.00 164
    2022-09-01 $395,975 (17.3%) $479,967 (9.6%) 0.00 160
    2022-10-01 $390,600 (7.0%) $513,496 (12.1%) 0.00 179
    2022-11-01 $388,350 (5.8%) $515,305 (10.0%) 0.00 190
    2022-12-01 $391,200 (6.2%) $524,940 (16.9%) 0.00 162
    2023-01-01 $385,066 (7.3%) $514,865 (12.1%) 0.00 156
    2023-02-01 $357,500 (0.2%) $470,633 (14.9%) 0.00 166
    Moses Lake's median listing price for 2023-02-01 was $357,500, a difference of $794 (0.2%) versus the prior year and $-27,566 versus the prior month.

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

    Moses Lake's average listing price for 2023-02-01 was $470,633, a difference of $61,025 (14.9%) versus the prior year and $-44,232 versus the prior month.

    For the 2023-02-01 period, Moses Lake had 166 MLS listings, a difference of 10 listings (6%) versus the prior month and 63 listings (61%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Moses Lake (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,805 sqft
    2018-02-01 0 days 1,824 sqft
    2018-03-01 0 days 1,890 sqft
    2018-04-01 0 days 1,866 sqft
    2018-05-01 0 days 1,836 sqft
    2018-06-01 0 days 1,824 sqft
    2018-07-01 0 days 1,789 sqft
    2018-08-01 0 days 1,821 sqft
    2018-09-01 0 days 1,809 sqft
    2018-10-01 0 days 1,822 sqft
    2018-11-01 0 days 1,787 sqft
    2018-12-01 0 days 1,785 sqft
    2019-01-01 0 days 1,809 sqft
    2019-02-01 0 days 1,798 sqft
    2019-03-01 0 days 1,803 sqft
    2019-04-01 0 days 1,812 sqft
    2019-05-01 0 days 1,785 sqft
    2019-06-01 0 days 1,787 sqft
    2019-07-01 0 days 1,842 sqft
    2019-08-01 0 days 1,855 sqft
    2019-09-01 0 days 1,857 sqft
    2019-10-01 0 days 1,858 sqft
    2019-11-01 0 days 1,918 sqft
    2019-12-01 0 days 1,854 sqft
    2020-01-01 0 days 1,788 sqft
    2020-02-01 0 days 1,744 sqft
    2020-03-01 0 days 1,656 sqft
    2020-04-01 0 days 1,674 sqft
    2020-05-01 0 days 1,660 sqft
    2020-06-01 0 days 1,656 sqft
    2020-07-01 0 days 1,669 sqft
    2020-08-01 0 days 1,599 sqft
    2020-09-01 0 days 1,621 sqft
    2020-10-01 0 days 1,623 sqft
    2020-11-01 0 days 1,691 sqft
    2020-12-01 0 days 1,665 sqft
    2021-01-01 0 days 1,578 sqft
    2021-02-01 0 days 1,564 sqft
    2021-03-01 0 days 1,585 sqft
    2021-04-01 0 days 1,596 sqft
    2021-05-01 0 days 1,588 sqft
    2021-06-01 0 days 1,657 sqft
    2021-07-01 0 days 1,730 sqft
    2021-08-01 0 days 1,700 sqft
    2021-09-01 0 days 1,714 sqft
    2021-10-01 0 days 1,798 sqft
    2021-11-01 0 days 1,793 sqft
    2021-12-01 0 days 1,778 sqft
    2022-01-01 0 days 1,795 sqft
    2022-02-01 0 days 1,738 sqft
    2022-03-01 0 days 1,745 sqft
    2022-04-01 0 days 1,797 sqft
    2022-05-01 0 days 1,764 sqft
    2022-06-01 0 days 1,707 sqft
    2022-07-01 0 days 1,682 sqft
    2022-08-01 0 days 1,691 sqft
    2022-09-01 0 days 1,766 sqft
    2022-10-01 0 days 1,755 sqft
    2022-11-01 0 days 1,732 sqft
    2022-12-01 0 days 1,690 sqft
    2023-01-01 0 days 1,625 sqft
    2023-02-01 0 days 1,549 sqft
    Moses Lake's median listing age (time on market) for 2023-02-01 was 0 days.

    Moses Lake's median square footage for active listings during the 2023-02-01 period was 1,549 sqft. One year prior, the average listing was 1,738 sqft.

    Moses Lake, WA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,310 $407,460,000 $311,038
    Cash Out Refi 557 $156,375,000 $280,745
    Refi 237 $57,275,000 $241,667
    Home Improvement 227 $26,885,000 $118,436
    Other 205 $64,805,000 $316,122

    Moses Lake's most frequently cited loan purpose was Home Purchase, with 1,310 originations. The 2nd most popular reason was Cash Out Refi, with 557 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 592 $181,350,000 $306,334
    3-4% 580 $191,960,000 $330,966
    4-5% 572 $171,690,000 $300,157
    6-7% 286 $78,810,000 $275,559
    2.5-3% 215 $39,645,000 $184,395
    7-8% 125 $27,705,000 $221,640
    <2.5% 107 $13,875,000 $129,673
    Over 8% 56 $7,560,000 $135,000

    During 2022, Moses Lake's most frequently originated rate bucket was 5-6%, with 592 originations.

    Loan Sizing (Moses Lake, WA MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 1,205 $351,095,000 $291,365
    $100k-200k 554 $83,380,000 $150,505
    $100,000 or less 405 $21,205,000 $52,358
    $400k-600k 297 $139,525,000 $469,781
    $600k-1000k 60 $41,020,000 $683,667
    $Over $1MM 15 $76,575,000 $5,105,000

    Moses Lake's loan sizing saw the bucket of loans from $200k-400k with 1,205 originations, totaling $351,095,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 890 $296,310,000 $332,933
    60-80% 689 $225,065,000 $326,655
    40-60% 328 $83,050,000 $253,201
    20-40% 295 $38,745,000 $131,339
    Under 20% 291 $16,265,000 $55,893
    Over 100% 31 $50,385,000 $1,625,323

    Moses Lake's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 890 originations, totaling $296,310,000 in origination value.