Pullman 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 Pullman averaged 6.66% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.59% and one month ago for the week of 2024-10-03, the average rate was 5.99%.

    Pullman's average rate one year ago was 7.83%.

    For refis of the same type during the week of 2024-11-07, the average rate was 7.39%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Pullman 30 Year Fixed Rate 2024-11-07 6.66%
    Pullman 30 Year Fixed Rate Refi 2024-11-07 7.39%
    Pullman 15 Year Fixed Rate 2024-11-07 5.9%
    Pullman 15 Year Fixed Rate Refi 2024-11-07 6%
    Pullman 30 Year FHA 2024-11-07 6.63%
    Pullman 30 Year FHA Refi 2024-11-07 6.63%
    Pullman 30 Year USDA 2024-11-07 6.28%
    Pullman 30 Year USDA Refi 2024-11-07 6.68%
    Pullman 30 Year VA 2024-11-07 6.54%
    Pullman 30 Year VA Refi 2024-11-07 6.44%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Pullman, WA.

    Pullman 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 Pullman, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 49 6.61% $6,677
    WASHINGTON STATE EMPLOYEES Credit Union 18 6.40% $3,271
    GUILD MORTGAGE COMPANY 15 7.12% $6,403
    Sunflower Bank 14 6.65% $8,287
    QUICKEN LOANS, LLC 14 6.37% $4,918
    Potlatch No. 1 Financial Credit Union 12 6.39% $5,584
    Washington Trust Bank 12 7.10% $4,238
    AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.86% $6,537
    U.S. Bank 8 6.72% $4,598
    HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.73% $9,631
    CROSSCOUNTRY MORTGAGE, LLC 6 7.13% $7,859
    Boeing Employees Credit Union 6 6.69% $4,124
    IDAHO CENTRAL 6 6.94% $6,213
    JPMorgan Chase Bank 5 6.80% $3,700
    Banner Bank 5 6.93% $4,251
    PROVIDENT FUNDING ASSOCIATES, L.P. 4 6.31% $4,375
    CMG MORTGAGE, INC. 4 6.56% $7,324
    MOVEMENT MORTGAGE, LLC 3 6.73% $6,529
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.04% $7,828
    LOANDEPOT.COM, LLC 3 6.42% $4,205
    Northwest Farm Credit Services, FLCA 3 7.42% $9,508
    Glacier Bank 2 6.88% $6,425
    AMERISAVE MORTGAGE CORPORATION 2 6.19% $6,398
    FREEDOM MORTGAGE CORPORATION 2 6.75% $7,442
    CHURCHILL MORTGAGE CORPORATION 2 6.88% $4,842
    Washington Federal Bank 2 6.63% $5,977
    Alaska USA Federal Credit Union 2 6.19% $8,283
    Zions Bank 2 5.88% $5,124
    PENRITH HOME LOANS LLC 2 6.81% $9,160
    PENNYMAC LOAN SERVICES, LLC 2 6.50% $9,316
    The Huntington National Bank 2 6.44% $3,871
    SPOKANE TEACHERS 1 6.38% $4,564
    ACADEMY MORTGAGE CORPORATION 1 6.25% $20,369
    Umpqua Bank 1 7.88% $7,876
    Wells Fargo Bank 1 4.75% $5,548
    The Loan Store, Inc. 1 7.25% $8,022
    American Mortgage & Equity Consultants, Inc. 1 6.88% $10,644
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.63% $5,265
    BMO Harris Bank 1 5.63% $4,291
    BROKER SOLUTIONS, INC. 1 6.99% $6,505
    CALIBER HOME LOANS, INC. 1 7.63% $4,184
    Century Mortgage Company DBA Century Lending Company 1 7.13% $5,224
    CORNERSTONE HOME LENDING, INC. 1 7.00% $8,985
    DIRECTORS MORTGAGE, INC. 1 8.13% $7,867
    ENVOY MORTGAGE, LTD 1 6.75% $5,479
    EVERETT FINANCIAL, INC. 1 7.50% $4,946
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 8.63% $8,343
    FIRST TECHNOLOGY 1 6.25% $4,601
    GUARANTEED RATE, INC. 1 6.90% $1,741
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.88% $5,123
    HORIZON 1 5.13% $4,027
    KeyBank 1 6.63% $3,555
    LEADERONE FINANCIAL CORPORATION 1 7.50% $3,686
    LENDSURE MORTGAGE CORP. 1 7.38% $7,799
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.50% $5,591
    Morgan Stanley Private Bank 1 7.15% $2,690
    Mr. Cooper ( Nationstar Mortgage ) 1 5.99% $9,878
    NAVY FEDERAL CREDIT UNION 1 5.75% $6,338
    NBKC BANK 1 5.75% $8,845
    Northpointe Bank 1 6.25% $4,789
    ON Q FINANCIAL, INC. 1 5.88% $3,536
    Peoples Bank 1 5.88% $4,328
    PLANET HOME LENDING, LLC 1 5.63% $17,863
    PRIORITY HOME LENDING, LLC 1 5.99% $11,764
    S1L, Inc. 1 6.38% $9,205
    Sierra Pacific Mortgage Company, Inc. 1 6.63% $4,672

    Pullman Average Closing Costs & Other Stats

    Pullman, WA's 66 lenders originated 619 loans during 2023. The total origination value was $180,215,000, with an average loan value of $291,139.

    Pullman's average closing costs are $5,052.

    The top Pullman lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 49 loans originated. Their average total fees are $6,677, which is $3,406 higher than the next largest lender, WASHINGTON STATE EMPLOYEES Credit Union.

    The lowest fee Pullman lenders (with over 10 loans originated) are WASHINGTON STATE EMPLOYEES Credit Union ($3,271), Washington Trust Bank ($4,238), QUICKEN LOANS, LLC ($4,918), Potlatch No. 1 Financial Credit Union ($5,584) and GUILD MORTGAGE COMPANY ($6,403).

    The lowest rate Pullman lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.37%), Potlatch No. 1 Financial Credit Union (6.39%), WASHINGTON STATE EMPLOYEES Credit Union (6.40%), UNITED WHOLESALE MORTGAGE, LLC (6.61%) and Sunflower Bank (6.65%).

    Pullman, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    READYCAP COMMERCIAL, LLC $28,005,000 n/a 15.5%
    UNITED WHOLESALE MORTGAGE, LLC $9,270,000 $20,555,000 121.7% 11.4%
    WASHINGTON STATE EMPLOYEES Credit Union $15,800,000 $10,440,000 -33.9% 5.8%
    QUICKEN LOANS, LLC $12,980,000 $9,525,000 -26.6% 5.3%
    Washington Trust Bank $17,160,000 $8,815,000 -48.6% 4.9%
    Potlatch No. 1 Financial Credit Union $9,790,000 $8,555,000 -12.6% 4.7%
    GUILD MORTGAGE COMPANY $3,670,000 $8,255,000 124.9% 4.6%
    Sunflower Bank $9,430,000 $5,470,000 -42.0% 3.0%
    GREYSTONE FUNDING COMPANY LLC $5,325,000 n/a 3.0%
    AMERICAN PACIFIC MORTGAGE CORPORATION $6,290,000 $3,970,000 -36.9% 2.2%
    Mortgage Research Center, LLC $2,620,000 $3,425,000 30.7% 1.9%
    U.S. Bank $4,670,000 $3,380,000 -27.6% 1.9%
    CROSSCOUNTRY MORTGAGE, LLC $3,605,000 $2,890,000 -19.8% 1.6%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $12,490,000 $2,730,000 -78.1% 1.5%
    Zions Bank $8,660,000 $2,645,000 -69.5% 1.5%
    Boeing Employees Credit Union $1,920,000 $2,605,000 35.7% 1.4%
    CMG MORTGAGE, INC. $1,800,000 $2,570,000 42.8% 1.4%
    IDAHO CENTRAL $2,325,000 $2,515,000 8.2% 1.4%
    Washington Federal Bank $3,445,000 $2,090,000 -39.3% 1.2%
    SPOKANE TEACHERS $2,365,000 $1,810,000 -23.5% 1.0%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,670,000 n/a 0.9%
    Northwest Farm Credit Services, FLCA $305,000 $1,570,000 414.8% 0.9%
    Umpqua Bank $2,555,000 $1,405,000 -45.0% 0.8%
    Banner Bank $4,400,000 $1,390,000 -68.4% 0.8%
    The Huntington National Bank $495,000 $1,250,000 152.5% 0.7%
    MOVEMENT MORTGAGE, LLC $845,000 $1,200,000 42.0% 0.7%
    JPMorgan Chase Bank $2,490,000 $1,160,000 -53.4% 0.6%
    NEWREZ LLC $565,000 $1,070,000 89.4% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,625,000 $1,055,000 -35.1% 0.6%
    PENNYMAC LOAN SERVICES, LLC $920,000 $1,030,000 12.0% 0.6%
    PLANET HOME LENDING, LLC $1,020,000 n/a 0.6%
    LOANDEPOT.COM, LLC $2,445,000 $985,000 -59.7% 0.5%
    AMERISAVE MORTGAGE CORPORATION $920,000 $960,000 4.3% 0.5%
    ACADEMY MORTGAGE CORPORATION $975,000 $850,000 -12.8% 0.5%
    CHURCHILL MORTGAGE CORPORATION $335,000 $835,000 149.3% 0.5%
    ON Q FINANCIAL, INC. $735,000 n/a 0.4%
    GESA $2,305,000 $730,000 -68.3% 0.4%
    GUARANTEED RATE, INC. $145,000 $725,000 400.0% 0.4%
    PENRITH HOME LOANS LLC $245,000 $700,000 185.7% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $1,050,000 $695,000 -33.8% 0.4%
    EVERETT FINANCIAL, INC. $865,000 $680,000 -21.4% 0.4%
    PRIORITY HOME LENDING, LLC $630,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $495,000 $620,000 25.3% 0.3%
    American Mortgage & Equity Consultants, Inc. $615,000 n/a 0.3%
    BMO Harris Bank $585,000 n/a 0.3%
    NEW DAY FINANCIAL, LLC $570,000 n/a 0.3%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $555,000 n/a 0.3%
    Commerce Home Mortgage, Inc. $550,000 n/a 0.3%
    Alaska USA Federal Credit Union $440,000 $540,000 22.7% 0.3%
    CARDINAL FINANCIAL $545,000 $540,000 -0.9% 0.3%
    Gateway First Bank $540,000 n/a 0.3%
    S1L, Inc. $18,235,000 $540,000 -97.0% 0.3%
    CORNERSTONE HOME LENDING, INC. $525,000 n/a 0.3%
    PENTAGON FEDERAL CREDIT UNION $570,000 $505,000 -11.4% 0.3%
    NAVY FEDERAL CREDIT UNION $930,000 $485,000 -47.8% 0.3%
    Century Mortgage Company DBA Century Lending Company $585,000 $470,000 -19.7% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $465,000 n/a 0.3%
    Glacier Bank $340,000 $460,000 35.3% 0.3%
    Coastal Community Bank $455,000 n/a 0.3%
    NBKC BANK $395,000 $435,000 10.1% 0.2%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $710,000 $425,000 -40.1% 0.2%
    FREEDOM MORTGAGE CORPORATION $1,050,000 $420,000 -60.0% 0.2%
    Paramount Residential Mortgage Group, Inc. $340,000 $395,000 16.2% 0.2%
    The Federal Savings Bank $530,000 $375,000 -29.2% 0.2%
    Bank of America $1,385,000 $355,000 -74.4% 0.2%
    Morgan Stanley Private Bank $355,000 n/a 0.2%
    KeyBank $315,000 $345,000 9.5% 0.2%
    RF Renovo Management Company, LLC $335,000 n/a 0.2%
    NUMERICA CREDIT UNION $970,000 $330,000 -66.0% 0.2%
    LAND HOME FINANCIAL SERVICES, INC. $315,000 n/a 0.2%
    MANN FINANCIAL INC. $475,000 $315,000 -33.7% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $315,000 n/a 0.2%
    Wells Fargo Bank $3,125,000 $300,000 -90.4% 0.2%
    The Loan Store, Inc. $295,000 n/a 0.2%
    FIRST TECHNOLOGY $225,000 $275,000 22.2% 0.2%
    BAY EQUITY LLC $305,000 $255,000 -16.4% 0.1%
    DIRECTORS MORTGAGE, INC. $255,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $255,000 n/a 0.1%
    FIRST CONTINENTAL MORTGAGE, LTD. $230,000 n/a 0.1%
    Lower Columbia Longshoremen's Federal Credit Union $225,000 n/a 0.1%
    MASON MCDUFFIE MORTGAGE CORPORATION $225,000 n/a 0.1%
    Cornerstone First Mortgage, Inc $220,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $215,000 n/a 0.1%
    LENDSURE MORTGAGE CORP. $215,000 n/a 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $205,000 n/a 0.1%
    Discover Bank $85,000 $195,000 129.4% 0.1%
    GENEVA FINANCIAL, LLC $195,000 n/a 0.1%
    Wheatland Bank $565,000 $180,000 -68.1% 0.1%
    LEADERONE FINANCIAL CORPORATION $785,000 $175,000 -77.7% 0.1%
    Northpointe Bank $950,000 $170,000 -82.1% 0.1%
    USAA Federal Savings Bank $2,120,000 $165,000 -92.2% 0.1%
    Barrington Bank & Trust Company, N.A. $95,000 $155,000 63.2% 0.1%
    Figure Lending LLC $75,000 $155,000 106.7% 0.1%
    ENVOY MORTGAGE, LTD $185,000 $145,000 -21.6% 0.1%
    SOUND $145,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $140,000 n/a 0.1%
    HORIZON $590,000 $135,000 -77.1% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $135,000 n/a 0.1%
    Bank of Eastern Oregon $125,000 n/a 0.1%
    Bethpage Federal Credit Union $125,000 n/a 0.1%
    O BEE $105,000 n/a 0.1%
    Flagstar Bank, FSB $1,770,000 $100,000 -94.4% 0.1%
    CALIBER HOME LOANS, INC. $1,155,000 $95,000 -91.8% 0.1%
    GREENWOOD $85,000 n/a 0.0%
    Rivermark Community Credit Union $85,000 n/a 0.0%
    First Interstate Bank $190,000 $75,000 -60.5% 0.0%
    Peoples Bank $75,000 n/a 0.0%
    The Central Trust Bank $65,000 n/a 0.0%
    Unitus Community Credit Union $65,000 n/a 0.0%
    ALLIANT CREDIT UNION $55,000 n/a 0.0%
    PNC Bank $620,000 $45,000 -92.7% 0.0%
    GENISYS $35,000 n/a 0.0%
    Sound Community Bank $35,000 n/a 0.0%

    Pullman's top lender by overall market share is READYCAP COMMERCIAL, LLC, with 15.5% market share. In second place, with 11.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $20,555,000 in loans. In third place, with 5.8%, is WASHINGTON STATE EMPLOYEES Credit Union, having originated $10,440,000 in loans. In fourth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $9,525,000 in loans. In fifth place, with 4.9%, is Washington Trust Bank, having originated $8,815,000 in loans.

    Pullman, WA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 369 $141,605,000 $383,753
    Home Improvement 79 $6,635,000 $83,987
    Other 78 $7,380,000 $94,615
    Cash Out Refi 59 $12,235,000 $207,373
    Refi 34 $12,360,000 $363,529

    Pullman's most frequently cited loan purpose was Home Purchase, with 369 originations. The 2nd most popular reason was Home Improvement, with 79 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 199 $57,955,000 $291,231
    7-8% 150 $37,640,000 $250,933
    Over 8% 143 $43,325,000 $302,972
    5-6% 92 $31,400,000 $341,304
    4-5% 14 $7,530,000 $537,857
    <2.5% 9 $65,000 $7,222

    During 2023, Pullman's most frequently originated rate bucket was 6-7%, with 199 originations.

    Loan Sizing (Pullman, WA MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 226 $65,710,000 $290,752
    $100,000 or less 155 $7,995,000 $51,581
    $100k-200k 135 $20,065,000 $148,630
    $400k-600k 81 $38,335,000 $473,272
    $600k-1000k 19 $13,125,000 $690,789
    $Over $1MM 3 $34,985,000 $11,661,667

    Pullman's loan sizing saw the bucket of loans from $200k-400k with 226 originations, totaling $65,710,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 235 $76,515,000 $325,596
    Under 20% 113 $5,215,000 $46,150
    60-80% 108 $34,810,000 $322,315
    20-40% 75 $9,695,000 $129,267
    40-60% 71 $48,915,000 $688,944
    Over 100% 6 $2,560,000 $426,667

    Pullman's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 235 originations, totaling $76,515,000 in origination value.