Moses Lake Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Moses Lake averaged
6.86%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7.06% and
one month ago for the week of 2025-05-29, the
average rate was 6.78%.
Moses Lake's average rate one year ago was 6.75%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.57%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Moses Lake 30 Year Fixed Rate | 2025-07-03 | 6.86% |
| Moses Lake 30 Year Fixed Rate Refi | 2025-07-03 | 6.57% |
| Moses Lake 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Moses Lake 15 Year Fixed Rate Refi | 2025-07-03 | 6.2% |
| Moses Lake 30 Year FHA | 2025-07-03 | -0.09% |
| Moses Lake 30 Year FHA Refi | 2025-07-03 | 0% |
| Moses Lake 30 Year USDA | 2025-07-03 | -0.1% |
| Moses Lake 30 Year USDA Refi | 2025-07-03 | 0% |
| Moses Lake 30 Year VA | 2025-07-03 | 0.21% |
| Moses Lake 30 Year VA Refi | 2025-07-03 | -0.2% |
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.).
Moses Lake Average Closing Costs & Other Stats
Moses Lake, WA's 94 lenders originated 1,823
loans during 2024. The total origination value was $464,015,000, with an average loan value of
$254,534.
Moses Lake's average closing costs are $6,525.
The top Moses Lake lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
74 loans originated. Their average total fees are
$9,578, which is $1,264
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Moses Lake lenders (with over 10 loans originated) are
JPMorgan Chase Bank ($5,095), U.S. Bank ($5,777), Banner Bank ($5,786), GESA ($6,913) and HORIZON ($7,069).
The lowest rate Moses Lake lenders (with over 10 loans originated) are
CMG MORTGAGE, INC. (6.18%), Banner Bank (6.38%), Glacier Bank (6.53%), GESA (6.58%) and QUICKEN LOANS, LLC (6.66%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $44,725,000 | $61,350,000 | 37.2% | 13.2% |
| CMG MORTGAGE, INC. | $18,060,000 | $35,640,000 | 97.3% | 7.7% |
| MOVEMENT MORTGAGE, LLC | $24,700,000 | $34,895,000 | 41.3% | 7.5% |
| QUICKEN LOANS, LLC | $22,445,000 | $32,115,000 | 43.1% | 6.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $13,855,000 | $26,475,000 | 91.1% | 5.7% |
| Washington Trust Bank | $9,960,000 | $16,005,000 | 60.7% | 3.4% |
| Glacier Bank | $35,000 | $15,820,000 | 45,100.0% | 3.4% |
| GESA | $21,205,000 | $15,195,000 | -28.3% | 3.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $15,475,000 | $10,860,000 | -29.8% | 2.3% |
| U.S. Bank | $8,140,000 | $10,555,000 | 29.7% | 2.3% |
| Mortgage Research Center, LLC | $5,765,000 | $9,320,000 | 61.7% | 2.0% |
| Banner Bank | $28,220,000 | $9,315,000 | -67.0% | 2.0% |
| HORIZON | $9,110,000 | $7,755,000 | -14.9% | 1.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,695,000 | $7,620,000 | 106.2% | 1.6% |
| Prudential Huntoon Paige Associates, LLC | $7,265,000 | n/a | 1.6% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $8,315,000 | $7,250,000 | -12.8% | 1.6% |
| JPMorgan Chase Bank | $3,255,000 | $6,060,000 | 86.2% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,560,000 | $5,535,000 | 116.2% | 1.2% |
| 1st Security Bank of Washington | $305,000 | $5,510,000 | 1,706.6% | 1.2% |
| Boeing Employees Credit Union | $8,390,000 | $4,985,000 | -40.6% | 1.1% |
| SPOKANE TEACHERS | $3,005,000 | $4,625,000 | 53.9% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $1,670,000 | $4,165,000 | 149.4% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $3,420,000 | $4,070,000 | 19.0% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $2,990,000 | $3,705,000 | 23.9% | 0.8% |
| NEWREZ LLC | $3,095,000 | $3,535,000 | 14.2% | 0.8% |
| Washington Federal Bank | $6,265,000 | $2,970,000 | -52.6% | 0.6% |
| LOANDEPOT.COM, LLC | $955,000 | $2,835,000 | 196.9% | 0.6% |
| Yakima Federal Savings and Loan Association | $2,815,000 | n/a | 0.6% | |
| WASHINGTON STATE EMPLOYEES Credit Union | $5,725,000 | $2,705,000 | -52.8% | 0.6% |
| NUMERICA CREDIT UNION | $3,115,000 | $2,520,000 | -19.1% | 0.5% |
| CHURCHILL MORTGAGE CORPORATION | $3,560,000 | $2,475,000 | -30.5% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $1,400,000 | $2,325,000 | 66.1% | 0.5% |
| The Loan Store, Inc. | $315,000 | $2,285,000 | 625.4% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $755,000 | $2,280,000 | 202.0% | 0.5% |
| NEW DAY FINANCIAL, LLC | $2,095,000 | n/a | 0.5% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $775,000 | $2,020,000 | 160.6% | 0.4% |
| Peoples Bank | $1,350,000 | $1,980,000 | 46.7% | 0.4% |
| GUARANTEED RATE, INC. | $1,615,000 | $1,965,000 | 21.7% | 0.4% |
| First Interstate Bank | $280,000 | $1,860,000 | 564.3% | 0.4% |
| Umpqua Bank | $8,320,000 | $1,845,000 | -77.8% | 0.4% |
| Timberland Bank | $375,000 | $1,710,000 | 356.0% | 0.4% |
| BROKER SOLUTIONS, INC. | $775,000 | $1,635,000 | 111.0% | 0.4% |
| SUMMIT FUNDING, INC. | $1,785,000 | $1,530,000 | -14.3% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,020,000 | $1,520,000 | -49.7% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $980,000 | $1,515,000 | 54.6% | 0.3% |
| NFM, INC. | $1,390,000 | $1,475,000 | 6.1% | 0.3% |
| Northwest Farm Credit Services, FLCA | $2,125,000 | $1,435,000 | -32.5% | 0.3% |
| Alaska USA Federal Credit Union | $2,440,000 | $1,430,000 | -41.4% | 0.3% |
| OCMBC, INC. | $1,415,000 | n/a | 0.3% | |
| PLANET HOME LENDING, LLC | $1,385,000 | $1,415,000 | 2.2% | 0.3% |
| Wells Fargo Bank | $3,165,000 | $1,400,000 | -55.8% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $1,395,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $235,000 | $1,365,000 | 480.9% | 0.3% |
| Cornerstone First Mortgage, Inc | $345,000 | $1,360,000 | 294.2% | 0.3% |
| NBKC BANK | $1,315,000 | n/a | 0.3% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,010,000 | $1,280,000 | 26.7% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,485,000 | $1,280,000 | -48.5% | 0.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,190,000 | n/a | 0.3% | |
| AMERICAN HERITAGE LENDING, INC. | $1,165,000 | n/a | 0.3% | |
| Paramount Residential Mortgage Group, Inc. | $1,180,000 | $1,160,000 | -1.7% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,305,000 | $1,155,000 | -11.5% | 0.2% |
| BMO Harris Bank | $1,150,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,115,000 | $1,150,000 | 3.1% | 0.2% |
| CANOPY MORTGAGE, LLC | $245,000 | $1,115,000 | 355.1% | 0.2% |
| The Huntington National Bank | $395,000 | $1,050,000 | 165.8% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $135,000 | $1,010,000 | 648.1% | 0.2% |
| KeyBank | $3,475,000 | $995,000 | -71.4% | 0.2% |
| Sunflower Bank | $835,000 | $965,000 | 15.6% | 0.2% |
| Morgan Stanley Private Bank | $935,000 | n/a | 0.2% | |
| Self-Help Federal Credit Union | $500,000 | $910,000 | 82.0% | 0.2% |
| Qualstar Credit Union | $550,000 | $900,000 | 63.6% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $235,000 | $895,000 | 280.9% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $2,435,000 | $885,000 | -63.7% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $215,000 | $865,000 | 302.3% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $520,000 | $865,000 | 66.3% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,125,000 | $855,000 | -24.0% | 0.2% |
| AMERICAN FINANCING CORPORATION | $480,000 | $790,000 | 64.6% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $755,000 | n/a | 0.2% | |
| Figure Lending LLC | $385,000 | $720,000 | 87.0% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $705,000 | n/a | 0.2% | |
| Lakeview Community Capital, LLC | $25,000 | $700,000 | 2,700.0% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $305,000 | $690,000 | 126.2% | 0.1% |
| NexBank | $550,000 | $685,000 | 24.5% | 0.1% |
| AMWEST FUNDING CORP. | $655,000 | n/a | 0.1% | |
| OnPoint Community Credit Union | $605,000 | n/a | 0.1% | |
| SAMMAMISH MORTGAGE COMPANY | $1,090,000 | $600,000 | -45.0% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $340,000 | $585,000 | 72.1% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $580,000 | n/a | 0.1% | |
| PREMIER LENDING, INC. | $155,000 | $575,000 | 271.0% | 0.1% |
| Flagstar Bank, FSB | $1,205,000 | $565,000 | -53.1% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $565,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $555,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $555,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $355,000 | $545,000 | 53.5% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $535,000 | n/a | 0.1% | |
| HomeStreet Bank | $935,000 | $535,000 | -42.8% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $535,000 | n/a | 0.1% | |
| DIRECTORS MORTGAGE, INC. | $850,000 | $520,000 | -38.8% | 0.1% |
| ENVOY MORTGAGE, LTD | $1,030,000 | $470,000 | -54.4% | 0.1% |
| Community First Bank | $2,500,000 | $455,000 | -81.8% | 0.1% |
| General Mortgage Capital Corporation | $455,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $445,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $415,000 | n/a | 0.1% | |
| City Lending Inc. | $410,000 | n/a | 0.1% | |
| WHATCOM EDUCATIONAL CREDIT UNION | $400,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $455,000 | $395,000 | -13.2% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $385,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $385,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $385,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $1,135,000 | $375,000 | -67.0% | 0.1% |
| S1L, Inc. | $245,000 | $375,000 | 53.1% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $370,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $6,190,000 | $365,000 | -94.1% | 0.1% |
| MORTGAGEONE, INC. | $365,000 | n/a | 0.1% | |
| Bank of America | $985,000 | $360,000 | -63.5% | 0.1% |
| MOUNTAIN AMERICA | $355,000 | n/a | 0.1% | |
| Paramount Bank | $355,000 | n/a | 0.1% | |
| RESIDENTIAL MORTGAGE, LLC | $345,000 | $355,000 | 2.9% | 0.1% |
| Solarity Credit Union | $355,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $55,000 | $355,000 | 545.5% | 0.1% |
| Loan Simple, Inc. | $390,000 | $345,000 | -11.5% | 0.1% |
| TruHome Solutions, LLC | $335,000 | n/a | 0.1% | |
| PNC Bank | $150,000 | $330,000 | 120.0% | 0.1% |
| PREMIA MORTGAGE, LLC | $325,000 | n/a | 0.1% | |
| INTELLILOAN, INC. | $315,000 | n/a | 0.1% | |
| NuVision Federal Credit Union | $315,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $650,000 | $315,000 | -51.5% | 0.1% |
| Heritage Bank | $625,000 | $310,000 | -50.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,460,000 | $300,000 | -87.8% | 0.1% |
| Plains Commerce Bank | $290,000 | n/a | 0.1% | |
| ADVANCIAL | $285,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $100,000 | $275,000 | 175.0% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $275,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $980,000 | $275,000 | -71.9% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $515,000 | $275,000 | -46.6% | 0.1% |
| Discover Bank | $495,000 | $270,000 | -45.5% | 0.1% |
| BOKF | $265,000 | n/a | 0.1% | |
| TAPCO Credit Union | $265,000 | n/a | 0.1% | |
| UBS Bank USA | $1,005,000 | $265,000 | -73.6% | 0.1% |
| LOANPAL, LLC | $250,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $245,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $600,000 | $225,000 | -62.5% | 0.0% |
| Citadel Servicing Corporation | $2,410,000 | $225,000 | -90.7% | 0.0% |
| Potlatch No. 1 Financial Credit Union | $305,000 | $225,000 | -26.2% | 0.0% |
| T2 FINANCIAL LLC | $505,000 | $215,000 | -57.4% | 0.0% |
| The Federal Savings Bank | $1,575,000 | $215,000 | -86.3% | 0.0% |
| Ally Bank | $205,000 | n/a | 0.0% | |
| ANECA Federal Credit Union | $205,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $2,830,000 | $200,000 | -92.9% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $195,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $195,000 | n/a | 0.0% | |
| Ukrainian Federal Credit Union | $190,000 | n/a | 0.0% | |
| VERITY | $180,000 | n/a | 0.0% | |
| HAPO COMMUNITY CREDIT UNION | $630,000 | $165,000 | -73.8% | 0.0% |
| Ixonia Bank | $195,000 | $165,000 | -15.4% | 0.0% |
| Metro City Bank | $165,000 | n/a | 0.0% | |
| America's Credit Union | $155,000 | n/a | 0.0% | |
| TWINSTAR | $55,000 | $125,000 | 127.3% | 0.0% |
| GEORGIA'S OWN | $105,000 | n/a | 0.0% | |
| Baxter Credit Union | $75,000 | n/a | 0.0% | |
| HARBORSTONE | $55,000 | $75,000 | 36.4% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $65,000 | n/a | 0.0% | |
| iQ Credit Union | $65,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $225,000 | $65,000 | -71.1% | 0.0% |
| GTE Federal Credit Union | $75,000 | $55,000 | -26.7% | 0.0% |
| O BEE | $705,000 | $35,000 | -95.0% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $140,000 | $35,000 | -75.0% | 0.0% |
| Deere Employees Credit Union | $25,000 | n/a | 0.0% |
Moses Lake's top lender by overall market share is GUILD MORTGAGE COMPANY, with 13.2% market share. In second place, with 7.7%, is CMG MORTGAGE, INC., having originated $35,640,000 in loans. In third place, with 7.5%, is MOVEMENT MORTGAGE, LLC, having originated $34,895,000 in loans. In fourth place, with 6.9%, is QUICKEN LOANS, LLC, having originated $32,115,000 in loans. In fifth place, with 5.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $26,475,000 in loans.
Moses Lake, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,060 | $324,550,000 | $306,179 |
| Cash Out Refi | 253 | $58,855,000 | $232,628 |
| Other | 185 | $19,065,000 | $103,054 |
| Home Improvement | 179 | $18,505,000 | $103,380 |
| Refi | 146 | $43,040,000 | $294,795 |
Moses Lake's most frequently cited loan purpose was Home Purchase, with 1,060 originations. The 2nd most popular reason was Cash Out Refi, with 253 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 663 | $209,415,000 | $315,860 |
| Over 8% | 419 | $56,385,000 | $134,570 |
| 7-8% | 316 | $101,200,000 | $320,253 |
| 5-6% | 250 | $85,920,000 | $343,680 |
| <2.5% | 99 | $1,205,000 | $12,172 |
| 4-5% | 55 | $8,155,000 | $148,273 |
| 3-4% | 3 | $615,000 | $205,000 |
During 2024, Moses Lake's most frequently originated rate bucket was 6-7%, with 663 originations.
Loan Sizing (Moses Lake, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 816 | $241,260,000 | $295,662 |
| $100,000 or less | 427 | $19,535,000 | $45,749 |
| $100k-200k | 306 | $45,490,000 | $148,660 |
| $400k-600k | 214 | $99,890,000 | $466,776 |
| $600k-1000k | 52 | $36,610,000 | $704,038 |
| $Over $1MM | 8 | $21,230,000 | $2,653,750 |
Moses Lake's loan sizing saw the bucket of loans from $200k-400k with 816 originations, totaling $241,260,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 716 | $245,380,000 | $342,709 |
| Under 20% | 358 | $16,140,000 | $45,084 |
| 60-80% | 331 | $116,395,000 | $351,647 |
| 20-40% | 218 | $34,840,000 | $159,817 |
| 40-60% | 151 | $34,975,000 | $231,623 |
| Over 100% | 26 | $9,840,000 | $378,462 |
Moses Lake's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 716 originations, totaling $245,380,000 in origination value.