Top Mortgage Lenders in Moses Lake, WA

Which mortgage lender in the Moses Lake, WA area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Moses Lake, WA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Moses Lake, WA area in terms of interest rate is GESA Credit Union, with an average “Rate Difference” of -0.12%. This means that, comparing similar borrowers, GESA Credit Union provided a -0.12% lower interest rate for its customers than other lenders in the area. GESA Credit Union has a market share of 5.5%. On the other hand, the most popular lender in the Moses Lake, WA area is Guild Mortgage Company, with a larger market share of 29.9%. Guild Mortgage Company is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.04% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Moses Lake, WA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Moses Lake, WA is HomeBridge Financial Services. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Horizon Credit Union. The cheapest VA mortgage provider is Caliber Home Loans. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Moses Lake, WA

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
GESA Credit Union-0.12%(4.0)5.46%
HomeBridge Financial Services-0.09%(4.0)2.86%
Washington Trust Bank-0.04%(3.5)3.40%
US Bank-0.04%(3.5)3.94%
Wells Fargo Bank-0.02%(3.5)3.22%
Fairway Independent Mortgage Corporation-0.02%(3.5)3.13%
Umpqua Bank-0.02%(3.5)4.65%
JPMorgan Chase Bank-0.01%(3.5)3.94%
Quicken Loans0.00%(3.5)12.52%
Horizon Credit Union0.01%(3.5)4.29%
Movement Mortgage0.02%(3.5)2.86%
Caliber Home Loans0.03%(3.5)4.74%
Guild Mortgage Company0.04%(3.5)29.87%
Evergreen Moneysource Mortgage Company0.04%(3.5)11.72%
Lender NameRate DifferenceRate RatingMarket Share
GESA Credit Union-0.13%(4.0)5.49%
US Bank-0.11%(4.0)2.82%
HomeBridge Financial Services-0.11%(4.0)4.08%
JPMorgan Chase Bank-0.09%(4.0)2.96%
Washington Trust Bank-0.08%(4.0)3.10%
Wells Fargo Bank-0.06%(4.0)3.52%
Umpqua Bank-0.03%(3.5)4.65%
Quicken Loans-0.01%(3.5)4.93%
Fairway Independent Mortgage Corporation0.00%(3.5)2.96%
Movement Mortgage0.01%(3.5)3.80%
Horizon Credit Union0.02%(3.5)4.37%
Caliber Home Loans0.04%(3.5)4.93%
Guild Mortgage Company0.04%(3.5)34.93%
Evergreen Moneysource Mortgage Company0.04%(3.5)16.20%
Lender NameRate DifferenceRate RatingMarket Share
GESA Credit Union-0.12%(4.0)5.39%
Fairway Independent Mortgage Corporation-0.05%(3.5)3.43%
Horizon Credit Union-0.01%(3.5)4.17%
Umpqua Bank0.00%(3.5)4.66%
Caliber Home Loans0.01%(3.5)4.41%
Washington Trust Bank0.01%(3.5)3.92%
Quicken Loans0.01%(3.5)25.74%
HomeBridge Financial Services0.01%(3.5)0.74%
US Bank0.02%(3.5)5.88%
Guild Mortgage Company0.02%(3.5)21.08%
Evergreen Moneysource Mortgage Company0.03%(3.5)3.92%
Movement Mortgage0.05%(3.5)1.23%
Wells Fargo Bank0.05%(3.0)2.70%
JPMorgan Chase Bank0.06%(3.0)5.64%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.12%(4.0)2.23%
GESA Credit Union-0.12%(4.0)7.61%
Washington Trust Bank-0.04%(3.5)4.07%
US Bank-0.03%(3.5)5.51%
Wells Fargo Bank-0.02%(3.5)4.46%
Fairway Independent Mortgage Corporation-0.01%(3.5)3.28%
Umpqua Bank-0.01%(3.5)5.12%
JPMorgan Chase Bank-0.00%(3.5)5.38%
Quicken Loans0.01%(3.5)12.99%
Guild Mortgage Company0.01%(3.5)22.57%
Horizon Credit Union0.04%(3.5)4.99%
Caliber Home Loans0.05%(3.0)5.38%
Movement Mortgage0.06%(3.0)2.62%
Evergreen Moneysource Mortgage Company0.10%(3.0)8.79%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.13%(4.0)3.72%
GESA Credit Union-0.12%(4.0)8.37%
US Bank-0.10%(4.0)4.19%
JPMorgan Chase Bank-0.07%(4.0)4.65%
Washington Trust Bank-0.07%(4.0)3.95%
Wells Fargo Bank-0.05%(3.5)5.35%
Umpqua Bank-0.01%(3.5)5.12%
Guild Mortgage Company-0.00%(3.5)26.51%
Quicken Loans0.03%(3.5)5.12%
Fairway Independent Mortgage Corporation0.03%(3.5)3.26%
Movement Mortgage0.07%(3.0)3.49%
Caliber Home Loans0.08%(3.0)6.28%
Horizon Credit Union0.09%(3.0)4.88%
Evergreen Moneysource Mortgage Company0.12%(3.0)13.02%
Lender NameRate DifferenceRate RatingMarket Share
GESA Credit Union-0.12%(4.0)6.63%
Fairway Independent Mortgage Corporation-0.07%(4.0)3.31%
Horizon Credit Union-0.01%(3.5)5.12%
HomeBridge Financial Services-0.00%(3.5)0.30%
Umpqua Bank0.00%(3.5)5.12%
Quicken Loans0.00%(3.5)23.19%
Washington Trust Bank0.01%(3.5)4.22%
Caliber Home Loans0.01%(3.5)4.22%
US Bank0.01%(3.5)7.23%
Evergreen Moneysource Mortgage Company0.04%(3.5)3.31%
Guild Mortgage Company0.04%(3.5)17.47%
Movement Mortgage0.05%(3.5)1.51%
Wells Fargo Bank0.05%(3.0)3.31%
JPMorgan Chase Bank0.07%(3.0)6.33%
Lender NameRate DifferenceRate RatingMarket Share
Horizon Credit Union-0.14%(4.0)2.59%
HomeBridge Financial Services-0.09%(4.0)4.44%
Movement Mortgage-0.08%(4.0)3.33%
Caliber Home Loans-0.07%(4.0)2.22%
Washington Trust Bank-0.06%(4.0)1.85%
Quicken Loans-0.05%(3.5)10.00%
Umpqua Bank-0.04%(3.5)3.70%
Fairway Independent Mortgage Corporation-0.04%(3.5)2.59%
Evergreen Moneysource Mortgage Company-0.04%(3.5)18.15%
GESA Credit Union-0.02%(3.5)1.11%
JPMorgan Chase Bank-0.01%(3.5)0.74%
Guild Mortgage Company0.06%(3.0)49.26%
Lender NameRate DifferenceRate RatingMarket Share
Horizon Credit Union-0.15%(4.5)3.03%
HomeBridge Financial Services-0.09%(4.0)5.19%
Movement Mortgage-0.09%(4.0)3.90%
Caliber Home Loans-0.08%(4.0)2.60%
Quicken Loans-0.08%(4.0)4.33%
Washington Trust Bank-0.08%(4.0)1.73%
Fairway Independent Mortgage Corporation-0.06%(4.0)2.16%
Umpqua Bank-0.05%(4.0)3.90%
Evergreen Moneysource Mortgage Company-0.05%(3.5)21.21%
GESA Credit Union-0.03%(3.5)1.30%
Guild Mortgage Company0.07%(3.0)50.65%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.03%(3.5)41.03%
Washington Trust Bank0.01%(3.5)2.56%
Umpqua Bank0.02%(3.5)2.56%
Quicken Loans0.02%(3.5)43.59%
Fairway Independent Mortgage Corporation0.04%(3.5)5.13%
JPMorgan Chase Bank0.05%(3.5)5.13%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.00%(3.5)25.00%
Washington Trust Bank0.00%(3.5)50.00%
Guild Mortgage Company0.00%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.00%(3.5)33.33%
Washington Trust Bank0.00%(3.5)33.33%
Guild Mortgage Company0.00%(3.5)33.33%
Lender NameRate DifferenceRate RatingMarket Share
Washington Trust Bank0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.04%(3.5)7.32%
JPMorgan Chase Bank-0.03%(3.5)1.22%
US Bank-0.02%(3.5)1.22%
Umpqua Bank-0.02%(3.5)3.66%
HomeBridge Financial Services-0.02%(3.5)3.66%
Movement Mortgage-0.01%(3.5)3.66%
Horizon Credit Union-0.01%(3.5)3.66%
Wells Fargo Bank-0.00%(3.5)2.44%
Fairway Independent Mortgage Corporation-0.00%(3.5)3.66%
Evergreen Moneysource Mortgage Company0.00%(3.5)18.29%
Guild Mortgage Company0.01%(3.5)34.15%
Quicken Loans0.02%(3.5)17.07%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.04%(3.5)2.17%
JPMorgan Chase Bank-0.04%(3.5)2.17%
US Bank-0.03%(3.5)2.17%
Umpqua Bank-0.03%(3.5)4.35%
Quicken Loans-0.03%(3.5)6.52%
Movement Mortgage-0.02%(3.5)6.52%
Caliber Home Loans-0.02%(3.5)4.35%
Horizon Credit Union-0.02%(3.5)6.52%
Wells Fargo Bank-0.01%(3.5)4.35%
Fairway Independent Mortgage Corporation-0.01%(3.5)4.35%
Evergreen Moneysource Mortgage Company0.00%(3.5)21.74%
Guild Mortgage Company0.03%(3.5)34.78%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.04%(3.5)11.11%
Guild Mortgage Company-0.02%(3.5)33.33%
Umpqua Bank-0.01%(3.5)2.78%
Evergreen Moneysource Mortgage Company-0.00%(3.5)13.89%
HomeBridge Financial Services0.00%(3.5)5.56%
Fairway Independent Mortgage Corporation0.02%(3.5)2.78%
Quicken Loans0.04%(3.5)30.56%

* Data is compiled for the Moses Lake, WA commuting zone area, which comprises of counties of Adams County, WA, and Grant County, WA. This includes cities/towns/communities of Moses Lake, WA as well as Ephrata, WA, Quincy, WA, Othello, WA, Mattawa, WA, Wilson Creek, WA, Grand Coulee, WA, George, WA, Soap Lake, WA, Ritzville, WA, Moses Lake North, WA, Warden, WA, and Lind, WA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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