Moses Lake Mortgage Rates

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

30 Year Fixed Rate mortgages in Moses Lake averaged 5.78% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.29% and one month ago for the week of 2022-05-26, the average rate was 5.18%.

Moses Lake's average rate one year ago was 3.4%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.08%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Moses Lake 30 Year Fixed Rate 2022-06-30 5.78%
Moses Lake 30 Year Fixed Rate Refi 2022-06-30 6.08%
Moses Lake 15 Year Fixed Rate 2022-06-30 5.09%
Moses Lake 15 Year Fixed Rate Refi 2022-06-30 5.02%
Moses Lake 30 Year FHA 2022-06-30 5.65%
Moses Lake 30 Year FHA Refi 2022-06-30 5.43%
Moses Lake 30 Year USDA 2022-06-30 5.75%
Moses Lake 30 Year USDA Refi 2022-06-30 5.61%
Moses Lake 30 Year VA 2022-06-30 5.75%
Moses Lake 30 Year VA Refi 2022-06-30 5.41%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
GUILD MORTGAGE COMPANY 224 3.24% $5,050
QUICKEN LOANS, LLC 162 3.04% $5,432
MOVEMENT MORTGAGE, LLC 149 3.29% $3,802
GESA 98 3.11% $5,465
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 91 3.22% $7,138
CALIBER HOME LOANS, INC. 76 3.20% $4,535
HOMEBRIDGE FINANCIAL SERVICES, INC. 71 3.15% $5,711
HORIZON 56 3.72% $4,943
LOANDEPOT.COM, LLC 49 2.99% $4,789
Wheatland Bank 45 3.10% $4,051
JPMorgan Chase Bank 44 3.16% $3,374
UNITED WHOLESALE MORTGAGE, LLC 42 2.93% $4,868
Umpqua Bank 41 3.11% $4,590
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 35 3.24% $3,928
KeyBank 32 3.01% $3,596
Washington Trust Bank 31 3.14% $3,463
U.S. Bank 29 3.03% $3,663
ENVOY MORTGAGE, LTD 29 3.35% $4,472
HOME POINT FINANCIAL CORPORATION 25 3.00% $3,729
Banner Bank 24 3.29% $5,261
BROKER SOLUTIONS, INC. 24 3.26% $4,556
AMERICAN PACIFIC MORTGAGE CORPORATION 22 3.23% $4,850
Wells Fargo Bank 21 3.27% $3,515
Washington Federal Bank 21 3.28% $5,284
PENNYMAC LOAN SERVICES, LLC 20 3.29% $5,195
AMERISAVE MORTGAGE CORPORATION 20 2.99% $5,448
Mr. Cooper ( Nationstar Mortgage ) 19 3.22% $5,121
Boeing Employees Credit Union 19 2.97% $2,949
BETTER MORTGAGE CORPORATION 17 2.82% $2,913
Peoples Bank 16 3.34% $4,498
NFM, INC. 16 3.11% $5,481
FINANCE OF AMERICA MORTGAGE LLC 16 3.16% $5,156
SPOKANE TEACHERS 15 3.04% $4,655
Flagstar Bank, FSB 14 3.17% $3,913
ACADEMY MORTGAGE CORPORATION 14 3.32% $4,714
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 12 3.38% $5,904
PRIMARY RESIDENTIAL MORTGAGE, INC. 11 3.24% $4,770
CORNERSTONE HOME LENDING, INC. 11 3.28% $4,700
DIRECTORS MORTGAGE, INC. 11 3.10% $6,839
PRIMELENDING, A PLAINSCAPITAL COMPANY 11 3.52% $4,552
CROSSCOUNTRY MORTGAGE, LLC 10 3.11% $4,095
SUMMIT FUNDING, INC. 8 3.37% $6,323
First National Bank of America 7 7.50% $8,123
NEWREZ LLC 7 3.28% $5,425
FREEDOM MORTGAGE CORPORATION 7 3.63% $2,564
HomeStreet Bank 7 2.95% $4,496
WASHINGTON STATE EMPLOYEES Credit Union 6 3.10% $2,741
Loan Simple, Inc. 6 2.58% $3,836
Paramount Residential Mortgage Group, Inc. 6 3.14% $3,378
Cashmere Valley Bank 6 3.40% $3,031
HOMESIDE FINANCIAL, LLC 5 3.35% $4,203
CELEBRITY HOME LOANS, LLC 5 3.42% $4,357
1st Security Bank of Washington 5 3.10% $5,121
CMG MORTGAGE, INC. 5 3.05% $6,082
DAS Acquisition Company, LLC 4 3.78% $6,096
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 3.09% $4,344
BAY EQUITY LLC 4 3.31% $4,497
Columbia State Bank 4 3.09% $3,332
Glacier Bank 4 3.59% $4,315
LEADERONE FINANCIAL CORPORATION 4 3.16% $4,522
NUMERICA CREDIT UNION 4 3.22% $4,007
PENRITH HOME LOANS LLC 4 3.19% $4,698
PREMIER MORTGAGE RESOURCES, L.L.C. 4 3.56% $4,736
Qualstar Credit Union 4 3.31% $6,147
Victorian Finance, LLC 4 2.16% $3,031
ZILLOW HOME LOANS, LLC 4 3.19% $4,333
LADERA LENDING, INC. 3 3.29% $4,257
LAKEVIEW LOAN SERVICING, LLC 3 3.17% $4,618
Carrington Mortgage Services, LLC 3 3.25% $5,172
Northwest Farm Credit Services, FLCA 3 3.97% $5,055
North American Savings Bank, F.S.B. 3 3.63% $3,926
CHURCHILL MORTGAGE CORPORATION 3 3.42% $4,430
MANN FINANCIAL INC. 3 2.83% $5,060
SUN WEST MORTGAGE COMPANY, INC. 3 3.14% $1,850
STEARNS LENDING, LLC 3 3.21% $3,533
GENEVA FINANCIAL, LLC 3 3.42% $6,761
Solarity Credit Union 3 3.33% $5,008
Willamette Valley Bank 3 3.50% $8,847
Bank of America 3 2.96% $4,367
Wyndham Capital Mortgage, Inc. 3 3.00% $2,447
CANOPY MORTGAGE, LLC 3 2.92% $1,553
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.13% $3,787
First Home Bank 2 3.50% $6,647
HOMESTEAD FUNDING CORP. 2 2.69% $3,537
FirstBank 2 3.00% $2,020
Hometown Lenders, Inc. 2 3.44% $3,154
InterContinental Capital Group, Inc 2 2.94% $3,656
KELLER MORTGAGE, LLC 2 3.00% $2,284
Commerce Home Mortgage, Inc. 2 3.44% $3,757
MORTGAGE MASTER SERVICE CORPORATION 2 2.94% $3,050
CITYWIDE HOME LOANS, LLC 2 3.31% $4,940
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.25% $1,893
Nations Lending Corporation 2 3.31% $6,530
NAVY FEDERAL CREDIT UNION 2 3.69% $7,146
NETWORK CAPITAL FUNDING CORPORATION 2 3.94% $4,093
CHERRY CREEK MORTGAGE, LLC 2 3.63% $2,541
ON Q FINANCIAL, INC. 2 3.38% $5,318
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 3.75% $6,001
PANORAMA MORTGAGE GROUP, LLC 2 3.50% $6,863
Cf Bank 2 2.75% $2,204
PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.63% $2,536
RANLIFE, INC. 2 3.06% $3,732
RESIDENTIAL MORTGAGE, LLC 2 2.94% $2,961
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 3.50% $535
SIRVA MORTGAGE, INC. 2 3.13% $0
TJC Mortgage, Inc. 2 2.88% $4,733
Gateway First Bank 2 3.25% $3,314
AMERICAN FINANCING CORPORATION 2 2.94% $3,643
AmeriHome Mortgage Company, LLC 1 3.25% $2,027
Amerifirst Financial, Inc. 1 2.88% $3,352
VAN DYK MORTGAGE CORPORATION 1 3.13% $2,935
First Interstate Bank 1 3.75% $7,190
AMERICAN FINANCIAL NETWORK, INC. 1 2.88% $14,628
Alaska USA Mortgage Company LLC 1 3.25% $3,132
PENTAGON FEDERAL CREDIT UNION 1 2.63% $1,964
Discover Bank 1 3.99% $0
PHH Mortgage Corporation 1 4.00% $4,474
PLAZA HOME MORTGAGE, INC. 1 2.99% $2,871
Potlatch No. 1 Financial Credit Union 1 3.25% $4,861
Alaska USA Federal Credit Union 1 3.25% $3,132
BNC National Bank 1 2.63% $2,843
EMBRACE HOME LOANS, INC. 1 3.49% $4,601
PRIORITY HOME LENDING, LLC 1 3.25% $9,479
First Savings Bank 1 3.38% $3,601
JMAC LENDING, INC. 1 3.25% $3,082
AXIA FINANCIAL, LLC 1 3.25% $3,407
GUARANTEED RATE, INC. 1 2.88% $952
RELIANCE FIRST CAPITAL, LLC 1 2.88% $7,210
RESIDENTIAL BANCORP. 1 2.99% $4,048
FIRST TECHNOLOGY 1 2.38% $5,496
Rivermark Community Credit Union 1 3.13% $3,515
GLOBAL 1 3.38% $2,407
S1L, Inc. 1 3.38% $3,259
SALAL 1 3.13% $4,093
Sierra Pacific Mortgage Company, Inc. 1 2.99% $3,376
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.25% $3,684
SOFI LENDING CORP. 1 2.88% $2,762
INTERNATIONAL CITY MORTGAGE, INC. 1 3.38% $6,663
SOUND 1 3.00% $3,225
SOVEREIGN LENDING GROUP INCORPORATED 1 3.38% $9,069
Austin Capital Bank SSB 1 3.25% $3,182
IMPAC MORTGAGE CORP. 1 5.25% $3,880
Strong Home Mortgage, LLC 1 4.00% $2,301
Arvest Bank 1 3.13% $4,230
SUMMIT MORTGAGE CORPORATION 1 3.25% $3,062
Sunflower Bank 1 2.88% $8,251
Magnolia Bank 1 3.50% $3,664
LOANLEADERS OF AMERICA, INC. 1 4.00% $4,331
EMM LOANS LLC 1 3.13% $6,697
Mortgage Research Center, LLC 1 2.75% $1,414
Greenbox Loans, Inc. 1 5.63% $9,267
Citizens Bank 1 3.00% $6,270
TOP FLITE FINANCIAL, INC. 1 2.88% $10,625
NATIONS DIRECT MORTGAGE, LLC 1 2.88% $10,476
Truist Bank 1 3.38% $2,668
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.25% $5,452
TWINSTAR 1 2.88% $4,709
NBKC BANK 1 2.88% $1,814
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.25% $5,363
COMMUNITY MORTGAGE FUNDING, LLC 1 3.25% $3,178
UNIFY FINANCIAL Credit Union 1 3.20% $1,013
LIBERTY HOME MORTGAGE CORPORATION 1 2.75% $10,499
LENDUS, LLC 1 3.00% $11,154
AMCAP MORTGAGE, LTD. 1 3.50% $3,322
OnPoint Community Credit Union 1 4.38% $3,606

Moses Lake, WA's 165 lenders originated 4,375 loans during 2021. The total origination value was $1,036,665,000, with an average loan value of $236,952.

The top Moses Lake lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 224 loans originated. Their average total fees are $5,050, which is $381 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Moses Lake lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION ($2,913), Boeing Employees Credit Union ($2,949), JPMorgan Chase Bank ($3,374), Washington Trust Bank ($3,463) and Wells Fargo Bank ($3,515).

The lowest rate Moses Lake lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.82%), UNITED WHOLESALE MORTGAGE, LLC (2.93%), Boeing Employees Credit Union (2.97%), LOANDEPOT.COM, LLC (2.99%) and AMERISAVE MORTGAGE CORPORATION (2.99%).

Moses Lake, 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
GUILD MORTGAGE COMPANY $109,960,000 $108,280,000 -1.5% 10.4%
MOVEMENT MORTGAGE, LLC $52,115,000 $75,020,000 44.0% 7.2%
QUICKEN LOANS, LLC $60,290,000 $71,375,000 18.4% 6.9%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $50,495,000 $44,425,000 -12.0% 4.3%
GESA $31,010,000 $39,480,000 27.3% 3.8%
HOMEBRIDGE FINANCIAL SERVICES, INC. $23,740,000 $36,325,000 53.0% 3.5%
CALIBER HOME LOANS, INC. $20,180,000 $33,585,000 66.4% 3.2%
Banner Bank $21,685,000 $31,010,000 43.0% 3.0%
Washington Trust Bank $15,995,000 $28,030,000 75.2% 2.7%
LOANDEPOT.COM, LLC $13,540,000 $24,785,000 83.1% 2.4%
Umpqua Bank $16,930,000 $24,200,000 42.9% 2.3%
Wheatland Bank $25,035,000 $22,995,000 -8.1% 2.2%
FREEDOM MORTGAGE CORPORATION $21,190,000 $18,510,000 -12.6% 1.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $14,665,000 $18,135,000 23.7% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $14,985,000 $16,940,000 13.0% 1.6%
HORIZON $13,785,000 $16,520,000 19.8% 1.6%
U.S. Bank $14,690,000 $16,520,000 12.5% 1.6%
Washington Federal Bank $16,210,000 $16,440,000 1.4% 1.6%
KeyBank $47,990,000 $15,990,000 -66.7% 1.5%
ENVOY MORTGAGE, LTD $20,135,000 $15,525,000 -22.9% 1.5%
JPMorgan Chase Bank $17,420,000 $15,445,000 -11.3% 1.5%
PENNYMAC LOAN SERVICES, LLC $7,930,000 $12,605,000 59.0% 1.2%
HOME POINT FINANCIAL CORPORATION $2,510,000 $12,065,000 380.7% 1.2%
BROKER SOLUTIONS, INC. $5,975,000 $10,950,000 83.3% 1.1%
Wells Fargo Bank $10,075,000 $9,435,000 -6.4% 0.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $7,305,000 $9,285,000 27.1% 0.9%
Boeing Employees Credit Union $8,380,000 $9,045,000 7.9% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $9,475,000 $8,685,000 -8.3% 0.8%
Mortgage Research Center, LLC $9,580,000 $8,525,000 -11.0% 0.8%
AMERISAVE MORTGAGE CORPORATION $4,250,000 $7,770,000 82.8% 0.7%
SPOKANE TEACHERS $3,835,000 $7,385,000 92.6% 0.7%
FINANCE OF AMERICA MORTGAGE LLC $9,955,000 $7,215,000 -27.5% 0.7%
BETTER MORTGAGE CORPORATION $2,030,000 $7,180,000 253.7% 0.7%
Flagstar Bank, FSB $5,150,000 $6,795,000 31.9% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $2,880,000 $6,685,000 132.1% 0.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $6,555,000 $6,415,000 -2.1% 0.6%
CORNERSTONE HOME LENDING, INC. $4,380,000 $5,825,000 33.0% 0.6%
NFM, INC. $1,985,000 $5,375,000 170.8% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,745,000 $5,255,000 40.3% 0.5%
SUMMIT FUNDING, INC. $2,395,000 $5,180,000 116.3% 0.5%
ACADEMY MORTGAGE CORPORATION $3,230,000 $4,975,000 54.0% 0.5%
NEWREZ LLC $2,875,000 $4,970,000 72.9% 0.5%
Peoples Bank $2,770,000 $4,935,000 78.2% 0.5%
DIRECTORS MORTGAGE, INC. $3,460,000 $4,325,000 25.0% 0.4%
NUMERICA CREDIT UNION $3,340,000 $4,290,000 28.4% 0.4%
LAKEVIEW LOAN SERVICING, LLC $2,780,000 $4,200,000 51.1% 0.4%
1st Security Bank of Washington $5,115,000 $3,850,000 -24.7% 0.4%
Columbia State Bank $3,425,000 $3,795,000 10.8% 0.4%
CMG MORTGAGE, INC. $2,205,000 $3,465,000 57.1% 0.3%
CHURCHILL MORTGAGE CORPORATION $2,675,000 $3,440,000 28.6% 0.3%
The Federal Savings Bank $3,070,000 $3,420,000 11.4% 0.3%
Alaska USA Federal Credit Union $3,405,000 n/a 0.3%
HomeStreet Bank $1,940,000 $3,310,000 70.6% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,640,000 $3,305,000 25.2% 0.3%
NAVY FEDERAL CREDIT UNION $1,815,000 $3,255,000 79.3% 0.3%
Cashmere Valley Bank $3,680,000 $3,215,000 -12.6% 0.3%
NEW DAY FINANCIAL, LLC $2,045,000 $3,030,000 48.2% 0.3%
Carrington Mortgage Services, LLC $1,750,000 $2,945,000 68.3% 0.3%
USAA Federal Savings Bank $4,765,000 $2,855,000 -40.1% 0.3%
North American Savings Bank, F.S.B. $1,505,000 $2,780,000 84.7% 0.3%
HOMESIDE FINANCIAL, LLC $2,320,000 $2,650,000 14.2% 0.3%
MANN FINANCIAL INC. $95,000 $2,545,000 2,578.9% 0.2%
Bank of America $2,235,000 $2,530,000 13.2% 0.2%
CITYWIDE HOME LOANS, LLC $475,000 $2,375,000 400.0% 0.2%
Nations Lending Corporation $1,405,000 $2,345,000 66.9% 0.2%
UMB Bank $2,280,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,770,000 $2,185,000 23.4% 0.2%
PENRITH HOME LOANS LLC $715,000 $2,125,000 197.2% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $1,510,000 $2,100,000 39.1% 0.2%
Paramount Residential Mortgage Group, Inc. $2,035,000 $2,015,000 -1.0% 0.2%
Loan Simple, Inc. $2,305,000 $2,010,000 -12.8% 0.2%
BAY EQUITY LLC $2,970,000 $1,945,000 -34.5% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $1,050,000 $1,920,000 82.9% 0.2%
PREMIER MORTGAGE RESOURCES, L.L.C. $415,000 $1,810,000 336.1% 0.2%
Bank of the West $1,805,000 n/a 0.2%
Northwest Farm Credit Services, FLCA $1,980,000 $1,720,000 -13.1% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,590,000 $1,665,000 4.7% 0.2%
DAS Acquisition Company, LLC $1,740,000 $1,660,000 -4.6% 0.2%
LADERA LENDING, INC. $1,140,000 $1,660,000 45.6% 0.2%
SOUND $775,000 $1,660,000 114.2% 0.2%
Capital One $1,645,000 n/a 0.2%
First National Bank of America $1,810,000 $1,595,000 -11.9% 0.2%
Barrington Bank & Trust Company, N.A. $595,000 $1,545,000 159.7% 0.1%
HOMESTEAD FUNDING CORP. $315,000 $1,520,000 382.5% 0.1%
WASHINGTON STATE EMPLOYEES Credit Union $2,090,000 $1,455,000 -30.4% 0.1%
Glacier Bank $945,000 $1,435,000 51.9% 0.1%
First Interstate Bank $1,090,000 $1,420,000 30.3% 0.1%
CELEBRITY HOME LOANS, LLC $1,415,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $3,215,000 $1,400,000 -56.5% 0.1%
Qualstar Credit Union $775,000 $1,360,000 75.5% 0.1%
Solarity Credit Union $1,330,000 $1,350,000 1.5% 0.1%
GENEVA FINANCIAL, LLC $645,000 $1,270,000 96.9% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,150,000 $1,230,000 7.0% 0.1%
RANLIFE, INC. $360,000 $1,230,000 241.7% 0.1%
FIRST TECHNOLOGY $405,000 $1,205,000 197.5% 0.1%
LENDINGHOME FUNDING CORPORATION $760,000 $1,190,000 56.6% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $2,325,000 $1,175,000 -49.5% 0.1%
AMERICAN FINANCING CORPORATION $735,000 $1,070,000 45.6% 0.1%
Willamette Valley Bank $470,000 $1,040,000 121.3% 0.1%
CIVIC FINANCIAL SERVICES, LLC $1,035,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $675,000 $1,010,000 49.6% 0.1%
AMERICAN ADVISORS GROUP $365,000 $1,000,000 174.0% 0.1%
GUARANTEED RATE, INC. $695,000 $985,000 41.7% 0.1%
Wyndham Capital Mortgage, Inc. $345,000 $985,000 185.5% 0.1%
Alaska USA Mortgage Company LLC $265,000 $960,000 262.3% 0.1%
KELLER MORTGAGE, LLC $65,000 $950,000 1,361.5% 0.1%
ZILLOW HOME LOANS, LLC $410,000 $950,000 131.7% 0.1%
NATIONS DIRECT MORTGAGE, LLC $105,000 $905,000 761.9% 0.1%
STEARNS LENDING, LLC $480,000 $875,000 82.3% 0.1%
Victorian Finance, LLC $885,000 $875,000 -1.1% 0.1%
Cf Bank $335,000 $870,000 159.7% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $330,000 $840,000 154.5% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $875,000 $840,000 -4.0% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $245,000 $835,000 240.8% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $810,000 n/a 0.1%
NBKC BANK $2,325,000 $800,000 -65.6% 0.1%
MORTGAGE MASTER SERVICE CORPORATION $770,000 $795,000 3.2% 0.1%
TRISTAR FINANCE, INC. $790,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $995,000 $770,000 -22.6% 0.1%
Commerce Home Mortgage, Inc. $235,000 $765,000 225.5% 0.1%
CANOPY MORTGAGE, LLC $795,000 $725,000 -8.8% 0.1%
Ally Bank $635,000 $685,000 7.9% 0.1%
Hometown Equity Mortgage, LLC $670,000 n/a 0.1%
ON Q FINANCIAL, INC. $850,000 $660,000 -22.4% 0.1%
OPEN MORTGAGE, LLC $650,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $390,000 $645,000 65.4% 0.1%
PRIORITY HOME LENDING, LLC $650,000 $625,000 -3.8% 0.1%
PLAZA HOME MORTGAGE, INC. $550,000 $620,000 12.7% 0.1%
InterContinental Capital Group, Inc $615,000 n/a 0.1%
Magnolia Bank $615,000 n/a 0.1%
SIRVA MORTGAGE, INC. $205,000 $610,000 197.6% 0.1%
V.I.P. MORTGAGE, INC. $610,000 n/a 0.1%
Sound Community Bank $475,000 $600,000 26.3% 0.1%
PANORAMA MORTGAGE GROUP, LLC $135,000 $590,000 337.0% 0.1%
Strong Home Mortgage, LLC $585,000 n/a 0.1%
LENDUS, LLC $1,080,000 $525,000 -51.4% 0.1%
First Internet Bank of Indiana $500,000 n/a 0.0%
RESIDENTIAL MORTGAGE, LLC $500,000 n/a 0.0%
Austin Capital Bank SSB $480,000 n/a 0.0%
First Home Bank $260,000 $480,000 84.6% 0.0%
Arvest Bank $445,000 $475,000 6.7% 0.0%
THRIVE MORTGAGE, LLC $285,000 $475,000 66.7% 0.0%
PHH Mortgage Corporation $470,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $1,690,000 $440,000 -74.0% 0.0%
Hometown Lenders, Inc. $620,000 $435,000 -29.8% 0.0%
TOP FLITE FINANCIAL, INC. $710,000 $435,000 -38.7% 0.0%
MARION AND POLK SCHOOLS CREDIT UNION $1,140,000 $425,000 -62.7% 0.0%
Servion, Inc. $425,000 n/a 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $420,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $410,000 n/a 0.0%
Truist Bank $875,000 $410,000 -53.1% 0.0%
First Savings Bank $395,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $390,000 n/a 0.0%
TJC Mortgage, Inc. $700,000 $390,000 -44.3% 0.0%
UNION HOME MORTGAGE CORP. $245,000 $375,000 53.1% 0.0%
Gateway First Bank $425,000 $370,000 -12.9% 0.0%
MUFG Union Bank $105,000 $370,000 252.4% 0.0%
RELIANCE FIRST CAPITAL, LLC $370,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $365,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $365,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $340,000 $360,000 5.9% 0.0%
Discover Bank $160,000 $360,000 125.0% 0.0%
EMBRACE HOME LOANS, INC. $360,000 n/a 0.0%
BNC National Bank $245,000 $355,000 44.9% 0.0%
OnPoint Community Credit Union $355,000 n/a 0.0%
GSF Mortgage Corporation $660,000 $335,000 -49.2% 0.0%
Home Mortgage Alliance Corp $335,000 n/a 0.0%
Mid-Continent Funding, Inc. $135,000 $335,000 148.1% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $335,000 n/a 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $315,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $315,000 n/a 0.0%
VISION ONE MORTGAGE, INC. $315,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $430,000 $310,000 -27.9% 0.0%
Amerifirst Financial, Inc. $305,000 n/a 0.0%
Rivermark Community Credit Union $305,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $135,000 $300,000 122.2% 0.0%
IMPAC MORTGAGE CORP. $295,000 n/a 0.0%
Sunflower Bank $1,465,000 $295,000 -79.9% 0.0%
EMM LOANS LLC $205,000 $290,000 41.5% 0.0%
PENTAGON FEDERAL CREDIT UNION $415,000 $290,000 -30.1% 0.0%
SOFI LENDING CORP. $860,000 $290,000 -66.3% 0.0%
21ST MORTGAGE CORPORATION $265,000 $285,000 7.5% 0.0%
GLOBAL $280,000 n/a 0.0%
ML Mortgage Corp. $275,000 n/a 0.0%
Potlatch No. 1 Financial Credit Union $400,000 $275,000 -31.3% 0.0%
SUMMIT MORTGAGE CORPORATION $305,000 $275,000 -9.8% 0.0%
NorthWest Plus Credit Union $550,000 $270,000 -50.9% 0.0%
Figure Lending LLC $155,000 $265,000 71.0% 0.0%
Citizens Bank $355,000 $255,000 -28.2% 0.0%
DIRECT MORTGAGE, CORP. $255,000 n/a 0.0%
NP, Inc. $225,000 $255,000 13.3% 0.0%
PNC Bank $510,000 $250,000 -51.0% 0.0%
S1L, Inc. $250,000 n/a 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $245,000 n/a 0.0%
First Federal Bank $245,000 n/a 0.0%
MORTGAGE EXPRESS, LLC $245,000 $245,000 0.0% 0.0%
SALAL $165,000 $245,000 48.5% 0.0%
FirstBank $485,000 $240,000 -50.5% 0.0%
The Loan Store, Inc. $235,000 n/a 0.0%
HAPO COMMUNITY CREDIT UNION $300,000 $230,000 -23.3% 0.0%
Greenbox Loans, Inc. $215,000 n/a 0.0%
Self-Help Federal Credit Union $215,000 n/a 0.0%
TAPCO Credit Union $65,000 $215,000 230.8% 0.0%
AXIA FINANCIAL, LLC $1,250,000 $205,000 -83.6% 0.0%
TIAA, FSB $470,000 $190,000 -59.6% 0.0%
TWINSTAR $85,000 $185,000 117.6% 0.0%
AMCAP MORTGAGE, LTD. $390,000 $175,000 -55.1% 0.0%
CU HOME MORTGAGE SOLUTIONS, LLC $125,000 $175,000 40.0% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $275,000 $175,000 -36.4% 0.0%
REVERSE MORTGAGE FUNDING LLC $165,000 $175,000 6.1% 0.0%
VERITY $175,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $165,000 $165,000 0.0% 0.0%
Sierra Pacific Mortgage Company, Inc. $1,145,000 $165,000 -85.6% 0.0%
Financial Funding Solutions, Inc. $155,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $115,000 $155,000 34.8% 0.0%
JMAC LENDING, INC. $145,000 n/a 0.0%
Lakeview Community Capital, LLC $145,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $105,000 $145,000 38.1% 0.0%
SIWELL, INC. $145,000 n/a 0.0%
SPRING EQ, LLC $45,000 $145,000 222.2% 0.0%
RESIDENTIAL BANCORP. $135,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $135,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $125,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $125,000 n/a 0.0%
PLANET HOME LENDING, LLC $1,705,000 $125,000 -92.7% 0.0%
Plains Commerce Bank $205,000 $115,000 -43.9% 0.0%
First Federal Savings and Loan Association of Port Angeles $105,000 n/a 0.0%
WESTERN EXPRESS LENDING $105,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $75,000 $85,000 13.3% 0.0%
UNIFY FINANCIAL Credit Union $85,000 n/a 0.0%
ALLIANT CREDIT UNION $55,000 n/a 0.0%

Moses Lake's top lender by overall market share is GUILD MORTGAGE COMPANY, with 10.4% market share. In second place, with 7.2%, is MOVEMENT MORTGAGE, LLC, having originated $75,020,000 in loans. In third place, with 6.9%, is QUICKEN LOANS, LLC, having originated $71,375,000 in loans. In third place, with 4.3%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $44,425,000 in loans. In third place, with 3.8%, is GESA, having originated $39,480,000 in loans.


Moses Lake, WA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,837 $502,525,000 $273,557
Refi 1,295 $274,325,000 $211,834
Cash Out Refi 965 $229,885,000 $238,223
Home Improvement 149 $15,175,000 $101,846
Other 129 $14,755,000 $114,380

Moses Lake's most frequently cited loan purpose was Home Purchase, with 1,837 originations. The 2nd most popular reason was Refi, with 1,295 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,877 $477,145,000 $254,206
2.5-3% 1,527 $378,275,000 $247,724
<2.5% 668 $130,340,000 $195,120
4-5% 199 $40,095,000 $201,482
5-6% 43 $4,545,000 $105,698
6-7% 14 $1,560,000 $111,429
7-8% 13 $1,695,000 $130,385
Over 8% 11 $805,000 $73,182

During 2021, Moses Lake's most frequently originated rate bucket was 3-4%, with 1,877 originations.

Loan Sizing (Moses Lake, WA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,128 $588,690,000 $276,640
$100k-200k 1,426 $219,010,000 $153,583
$100,000 or less 463 $24,345,000 $52,581
$400k-600k 315 $148,405,000 $471,127
$600k-1000k 30 $22,360,000 $745,333
$Over $1MM 13 $33,855,000 $2,604,231

Moses Lake's loan sizing saw the bucket of loans from $200k-400k with 2,128 originations, totaling $588,690,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,471 $397,115,000 $269,963
80-100% 1,429 $399,475,000 $279,549
40-60% 734 $150,270,000 $204,728
20-40% 331 $38,765,000 $117,115
Under 20% 238 $7,670,000 $32,227
Over 100% 61 $20,945,000 $343,361

Moses Lake's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,471 originations, totaling $397,115,000 in origination value.


Market Conditions (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 $230,867 (2.6%) $302,443 (16.4%) 0.00 208
2018-02-01 $241,000 (7.1%) $312,957 (19.8%) 0.00 199
2018-03-01 $246,000 (8.3%) $316,878 (16.4%) 0.00 180
2018-04-01 $252,000 (5.2%) $315,686 (8.0%) 0.00 203
2018-05-01 $247,750 (1.7%) $312,636 (5.0%) 0.00 216
2018-06-01 $259,000 (3.8%) $311,153 (3.2%) 0.00 235
2018-07-01 $258,400 (5.5%) $317,221 (7.5%) 0.00 269
2018-08-01 $262,150 (6.8%) $347,037 (16.6%) 0.00 285
2018-09-01 $249,900 (2.0%) $338,033 (11.0%) 0.00 302
2018-10-01 $249,900 (3.1%) $335,505 (8.9%) 0.00 298
2018-11-01 $244,450 (2.6%) $328,359 (9.5%) 0.00 256
2018-12-01 $239,900 (2.1%) $322,627 (7.5%) 0.00 245
2019-01-01 $244,450 (5.9%) $334,763 (10.7%) 0.00 193
2019-02-01 $253,068 (5.0%) $344,392 (10.0%) 0.00 201
2019-03-01 $271,863 (10.5%) $357,213 (12.7%) 0.00 205
2019-04-01 $288,883 (14.6%) $371,257 (17.6%) 0.00 221
2019-05-01 $289,450 (16.8%) $369,645 (18.2%) 0.00 264
2019-06-01 $289,500 (11.8%) $364,560 (17.2%) 0.00 256
2019-07-01 $299,900 (16.1%) $383,441 (20.9%) 0.00 235
2019-08-01 $299,300 (14.2%) $378,428 (9.1%) 0.00 239
2019-09-01 $294,250 (17.8%) $366,860 (8.5%) 0.00 245
2019-10-01 $296,450 (18.6%) $362,031 (7.9%) 0.00 280
2019-11-01 $299,000 (22.3%) $369,418 (12.5%) 0.00 232
2019-12-01 $295,000 (23.0%) $369,898 (14.7%) 0.00 208
2020-01-01 $289,990 (18.6%) $333,844 (-0.3%) 0.00 201
2020-02-01 $290,400 (14.8%) $321,437 (-6.7%) 0.00 205
2020-03-01 $284,700 (4.7%) $320,363 (-10.3%) 0.00 234
2020-04-01 $289,975 (0.4%) $325,067 (-12.4%) 0.00 221
2020-05-01 $286,331 (-1.1%) $322,912 (-12.6%) 0.00 231
2020-06-01 $287,166 (-0.8%) $328,360 (-9.9%) 0.00 213
2020-07-01 $277,750 (-7.4%) $328,659 (-14.3%) 0.00 206
2020-08-01 $275,000 (-8.1%) $315,740 (-16.6%) 0.00 212
2020-09-01 $280,500 (-4.7%) $331,872 (-9.5%) 0.00 206
2020-10-01 $277,000 (-6.6%) $330,042 (-8.8%) 0.00 214
2020-11-01 $305,950 (2.3%) $348,237 (-5.7%) 0.00 125
2020-12-01 $290,200 (-1.6%) $342,957 (-7.3%) 0.00 111
2021-01-01 $280,000 (-3.4%) $342,203 (2.5%) 0.00 92
2021-02-01 $299,708 (3.2%) $359,787 (11.9%) 0.00 77
2021-03-01 $324,950 (14.1%) $374,973 (17.1%) 0.00 87
2021-04-01 $322,450 (11.2%) $397,339 (22.2%) 0.00 67
2021-05-01 $307,351 (7.3%) $388,545 (20.3%) 0.00 74
2021-06-01 $322,475 (12.3%) $433,004 (31.9%) 0.00 99
2021-07-01 $329,500 (18.6%) $445,757 (35.6%) 0.00 119
2021-08-01 $328,985 (19.6%) $427,540 (35.4%) 0.00 134
2021-09-01 $347,450 (23.9%) $441,125 (32.9%) 0.00 130
2021-10-01 $375,000 (35.4%) $466,300 (41.3%) 0.00 134
2021-11-01 $376,567 (23.1%) $474,888 (36.4%) 0.00 132
2021-12-01 $375,197 (29.3%) $455,928 (32.9%) 0.00 122
2022-01-01 $365,000 (30.4%) $459,390 (34.2%) 0.00 109
2022-02-01 $362,000 (20.8%) $415,431 (15.5%) 0.00 102
2022-03-01 $387,000 (19.1%) $430,770 (14.9%) 0.00 88
2022-04-01 $395,000 (22.5%) $499,727 (25.8%) 0.00 78
2022-05-01 $389,950 (26.9%) $487,814 (25.6%) 0.00 99
2022-06-01 $387,661 (20.2%) $473,458 (9.3%) 0.00 141
Moses Lake's median listing price for 2022-06-01 was $387,661, a difference of $65,186 (20.2%) versus the prior year and $-2,289 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 2022-06-01 was $473,458, a difference of $40,454 (9.3%) versus the prior year and $-14,356 versus the prior month.

For the 2022-06-01 period, Moses Lake had 141 MLS listings, a difference of 42 listings (42%) versus the prior month and 42 listings (42%) 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 1,814 sqft
2018-02-01 0 days 1,852 sqft
2018-03-01 0 days 1,912 sqft
2018-04-01 0 days 1,880 sqft
2018-05-01 0 days 1,830 sqft
2018-06-01 0 days 1,824 sqft
2018-07-01 0 days 1,790 sqft
2018-08-01 0 days 1,824 sqft
2018-09-01 0 days 1,805 sqft
2018-10-01 0 days 1,819 sqft
2018-11-01 0 days 1,785 sqft
2018-12-01 0 days 1,792 sqft
2019-01-01 0 days 1,820 sqft
2019-02-01 0 days 1,805 sqft
2019-03-01 0 days 1,808 sqft
2019-04-01 0 days 1,812 sqft
2019-05-01 0 days 1,804 sqft
2019-06-01 0 days 1,795 sqft
2019-07-01 0 days 1,849 sqft
2019-08-01 0 days 1,863 sqft
2019-09-01 0 days 1,867 sqft
2019-10-01 0 days 1,886 sqft
2019-11-01 0 days 1,940 sqft
2019-12-01 0 days 1,886 sqft
2020-01-01 0 days 1,834 sqft
2020-02-01 0 days 1,776 sqft
2020-03-01 0 days 1,669 sqft
2020-04-01 0 days 1,703 sqft
2020-05-01 0 days 1,700 sqft
2020-06-01 0 days 1,665 sqft
2020-07-01 0 days 1,704 sqft
2020-08-01 0 days 1,640 sqft
2020-09-01 0 days 1,633 sqft
2020-10-01 0 days 1,655 sqft
2020-11-01 0 days 1,738 sqft
2020-12-01 0 days 1,703 sqft
2021-01-01 0 days 1,588 sqft
2021-02-01 0 days 1,600 sqft
2021-03-01 0 days 1,617 sqft
2021-04-01 0 days 1,632 sqft
2021-05-01 0 days 1,620 sqft
2021-06-01 0 days 1,666 sqft
2021-07-01 0 days 1,730 sqft
2021-08-01 0 days 1,687 sqft
2021-09-01 0 days 1,714 sqft
2021-10-01 0 days 1,810 sqft
2021-11-01 0 days 1,796 sqft
2021-12-01 0 days 1,795 sqft
2022-01-01 0 days 1,795 sqft
2022-02-01 0 days 1,718 sqft
2022-03-01 0 days 1,728 sqft
2022-04-01 0 days 1,804 sqft
2022-05-01 0 days 1,756 sqft
2022-06-01 0 days 1,706 sqft
Moses Lake's median listing age (time on market) for 2022-06-01 was 0 days.

Moses Lake's median square footage for active listings during the 2022-06-01 period was 1,706 sqft. One year prior, the average listing was 1,666 sqft.