Which mortgage lender in the Yakima, WA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Yakima, 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 Yakima, WA area in terms of interest rate is Solarity Credit Union, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Solarity Credit Union provided a -0.19% lower interest rate for its customers than other lenders in the area. Solarity Credit Union has a market share of 10.5%. On the other hand, the most popular lender in the Yakima, WA area is Caliber Home Loans, with a larger market share of 13.0%. Caliber Home Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.02% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Yakima, 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 Yakima, WA is Solarity Credit Union. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeBridge Financial Services. The cheapest VA mortgage provider is Banner Bank. 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 Yakima, WA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.14% | 6.97% | |
| Flagstar Bank | -0.13% | 4.12% | |
| Banner Bank | -0.11% | 1.90% | |
| US Bank | -0.08% | 0.79% | |
| PennyMac Loan Services | -0.07% | 1.74% | |
| Fairway Independent Mortgage Corporation | -0.06% | 3.49% | |
| Bank of America | -0.04% | 0.32% | |
| Washington State Employees Credit Union | -0.03% | 0.16% | |
| Quicken Loans | -0.02% | 8.87% | |
| Guild Mortgage Company | -0.02% | 1.43% | |
| KeyBank | -0.01% | 0.63% | |
| GESA Credit Union | -0.01% | 0.79% | |
| Wells Fargo Bank | -0.01% | 0.16% | |
| Willamette Valley Bank | -0.00% | 2.54% | |
| DAS Acquisition Company | -0.00% | 0.16% | |
| Finance of America Mortgage | 0.01% | 3.96% | |
| Bay Equity Home Loans | 0.01% | 0.79% | |
| Evergreen Moneysource Mortgage Company | 0.01% | 15.53% | |
| Umpqua Bank | 0.02% | 4.44% | |
| Academy Mortgage Corporation Utah | 0.02% | 1.27% | |
| PrimeLending | 0.03% | 9.67% | |
| loanDepot | 0.03% | 2.22% | |
| Caliber Home Loans | 0.04% | 11.09% | |
| HomeStreet Bank | 0.06% | 2.38% | |
| Cornerstone Home Lending | 0.07% | 4.91% | |
| American Pacific Mortgage | 0.08% | 9.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.16% | 3.38% | |
| HomeBridge Financial Services | -0.15% | 8.65% | |
| Banner Bank | -0.13% | 2.32% | |
| Fairway Independent Mortgage Corporation | -0.08% | 3.80% | |
| US Bank | -0.08% | 1.05% | |
| Bank of America | -0.04% | 0.42% | |
| loanDepot | -0.04% | 1.05% | |
| Washington State Employees Credit Union | -0.04% | 0.21% | |
| KeyBank | -0.02% | 0.63% | |
| Wells Fargo Bank | -0.01% | 0.21% | |
| GESA Credit Union | -0.01% | 0.63% | |
| Willamette Valley Bank | -0.01% | 2.95% | |
| Quicken Loans | -0.01% | 1.69% | |
| Finance of America Mortgage | -0.00% | 4.22% | |
| Guild Mortgage Company | 0.00% | 0.63% | |
| Bay Equity Home Loans | 0.01% | 0.63% | |
| Evergreen Moneysource Mortgage Company | 0.01% | 18.14% | |
| Umpqua Bank | 0.01% | 5.49% | |
| PrimeLending | 0.02% | 12.45% | |
| Academy Mortgage Corporation Utah | 0.02% | 0.84% | |
| HomeStreet Bank | 0.06% | 2.95% | |
| Caliber Home Loans | 0.07% | 10.76% | |
| Cornerstone Home Lending | 0.07% | 5.27% | |
| American Pacific Mortgage | 0.08% | 11.60% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.06% | 6.37% | |
| PennyMac Loan Services | -0.05% | 7.01% | |
| American Pacific Mortgage | -0.02% | 3.82% | |
| HomeBridge Financial Services | -0.01% | 1.91% | |
| Guild Mortgage Company | -0.01% | 3.82% | |
| Caliber Home Loans | -0.01% | 12.10% | |
| Quicken Loans | -0.01% | 30.57% | |
| Evergreen Moneysource Mortgage Company | 0.00% | 7.64% | |
| GESA Credit Union | 0.01% | 1.27% | |
| Willamette Valley Bank | 0.01% | 1.27% | |
| PrimeLending | 0.01% | 1.27% | |
| Banner Bank | 0.01% | 0.64% | |
| Umpqua Bank | 0.01% | 1.27% | |
| Fairway Independent Mortgage Corporation | 0.01% | 2.55% | |
| KeyBank | 0.01% | 0.64% | |
| DAS Acquisition Company | 0.02% | 0.64% | |
| Academy Mortgage Corporation Utah | 0.02% | 2.55% | |
| Bay Equity Home Loans | 0.02% | 1.27% | |
| Finance of America Mortgage | 0.03% | 3.18% | |
| HomeStreet Bank | 0.03% | 0.64% | |
| Cornerstone Home Lending | 0.07% | 3.82% | |
| loanDepot | 0.09% | 5.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.03% | 15.91% | |
| US Bank | -0.02% | 12.50% | |
| KeyBank | -0.01% | 7.95% | |
| PrimeLending | -0.01% | 2.27% | |
| Bank of America | -0.00% | 5.68% | |
| Academy Mortgage Corporation Utah | -0.00% | 1.14% | |
| Fairway Independent Mortgage Corporation | -0.00% | 1.14% | |
| Yakima Federal Savings and Loan Association | 0.00% | 4.55% | |
| GESA Credit Union | 0.00% | 1.14% | |
| American Pacific Mortgage | 0.00% | 1.14% | |
| Boeing Employees’ Credit Union | 0.01% | 1.14% | |
| Finance of America Mortgage | 0.01% | 1.14% | |
| HomeBridge Financial Services | 0.01% | 3.41% | |
| Umpqua Bank | 0.01% | 2.27% | |
| HomeStreet Bank | 0.01% | 3.41% | |
| JPMorgan Chase Bank | 0.01% | 6.82% | |
| Solarity Credit Union | 0.01% | 1.14% | |
| Quicken Loans | 0.01% | 3.41% | |
| DAS Acquisition Company | 0.01% | 3.41% | |
| Banner Bank | 0.02% | 3.41% | |
| loanDepot | 0.02% | 1.14% | |
| Guild Mortgage Company | 0.02% | 3.41% | |
| Cornerstone Home Lending | 0.02% | 2.27% | |
| Evergreen Moneysource Mortgage Company | 0.03% | 2.27% | |
| Caliber Home Loans | 0.03% | 4.55% | |
| Flagstar Bank | 0.04% | 3.41% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.04% | 18.18% | |
| US Bank | -0.02% | 13.64% | |
| PrimeLending | -0.01% | 2.27% | |
| Bank of America | -0.01% | 6.82% | |
| Academy Mortgage Corporation Utah | 0.00% | 2.27% | |
| Yakima Federal Savings and Loan Association | 0.00% | 2.27% | |
| GESA Credit Union | 0.00% | 2.27% | |
| DAS Acquisition Company | 0.00% | 4.55% | |
| American Pacific Mortgage | 0.01% | 2.27% | |
| KeyBank | 0.01% | 2.27% | |
| Guild Mortgage Company | 0.01% | 2.27% | |
| Umpqua Bank | 0.01% | 4.55% | |
| Solarity Credit Union | 0.01% | 2.27% | |
| JPMorgan Chase Bank | 0.02% | 11.36% | |
| HomeStreet Bank | 0.02% | 2.27% | |
| Banner Bank | 0.02% | 4.55% | |
| Caliber Home Loans | 0.03% | 6.82% | |
| Evergreen Moneysource Mortgage Company | 0.03% | 2.27% | |
| Flagstar Bank | 0.04% | 6.82% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| KeyBank | -0.02% | 13.64% | |
| US Bank | -0.01% | 11.36% | |
| Wells Fargo Bank | -0.01% | 13.64% | |
| Fairway Independent Mortgage Corporation | -0.00% | 2.27% | |
| Yakima Federal Savings and Loan Association | -0.00% | 6.82% | |
| JPMorgan Chase Bank | 0.00% | 2.27% | |
| PrimeLending | 0.00% | 2.27% | |
| Bank of America | 0.00% | 4.55% | |
| HomeStreet Bank | 0.01% | 4.55% | |
| Banner Bank | 0.01% | 2.27% | |
| Boeing Employees’ Credit Union | 0.01% | 2.27% | |
| Finance of America Mortgage | 0.01% | 2.27% | |
| HomeBridge Financial Services | 0.01% | 6.82% | |
| Quicken Loans | 0.01% | 6.82% | |
| Caliber Home Loans | 0.02% | 2.27% | |
| loanDepot | 0.02% | 2.27% | |
| Evergreen Moneysource Mortgage Company | 0.02% | 2.27% | |
| Cornerstone Home Lending | 0.02% | 4.55% | |
| Guild Mortgage Company | 0.02% | 4.55% | |
| DAS Acquisition Company | 0.04% | 2.27% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Banner Bank | -0.06% | 3.52% | |
| USAA | -0.04% | 9.51% | |
| Umpqua Bank | -0.03% | 7.39% | |
| PennyMac Loan Services | -0.03% | 5.28% | |
| Caliber Home Loans | -0.03% | 19.72% | |
| Flagstar Bank | -0.02% | 2.46% | |
| Fairway Independent Mortgage Corporation | -0.01% | 2.46% | |
| Guild Mortgage Company | -0.01% | 1.41% | |
| loanDepot | -0.01% | 6.34% | |
| Solarity Credit Union | -0.01% | 0.70% | |
| Finance of America Mortgage | -0.00% | 2.11% | |
| American Pacific Mortgage | 0.00% | 1.41% | |
| JPMorgan Chase Bank | 0.00% | 0.35% | |
| Bay Equity Home Loans | 0.01% | 1.76% | |
| Wells Fargo Bank | 0.01% | 1.06% | |
| HomeBridge Financial Services | 0.02% | 4.93% | |
| Quicken Loans | 0.02% | 10.92% | |
| Cornerstone Home Lending | 0.02% | 2.82% | |
| PrimeLending | 0.04% | 4.23% | |
| Evergreen Moneysource Mortgage Company | 0.08% | 6.34% | |
| HomeStreet Bank | 0.11% | 5.28% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.07% | 15.38% | |
| HomeBridge Financial Services | -0.06% | 4.27% | |
| Flagstar Bank | -0.06% | 2.56% | |
| Guild Mortgage Company | -0.05% | 1.71% | |
| Fairway Independent Mortgage Corporation | -0.04% | 4.27% | |
| Banner Bank | -0.04% | 2.56% | |
| Umpqua Bank | -0.04% | 5.98% | |
| Solarity Credit Union | -0.03% | 0.85% | |
| loanDepot | -0.03% | 0.85% | |
| American Pacific Mortgage | -0.03% | 1.71% | |
| Quicken Loans | -0.03% | 0.85% | |
| Finance of America Mortgage | -0.02% | 2.56% | |
| JPMorgan Chase Bank | -0.02% | 0.85% | |
| Wells Fargo Bank | -0.02% | 1.71% | |
| Cornerstone Home Lending | -0.01% | 3.42% | |
| PrimeLending | 0.02% | 8.55% | |
| Caliber Home Loans | 0.02% | 19.66% | |
| Evergreen Moneysource Mortgage Company | 0.07% | 11.97% | |
| HomeStreet Bank | 0.09% | 10.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.06% | 19.76% | |
| Banner Bank | -0.06% | 4.19% | |
| Umpqua Bank | -0.03% | 8.38% | |
| PennyMac Loan Services | -0.01% | 8.98% | |
| USAA | -0.00% | 5.39% | |
| Flagstar Bank | 0.01% | 2.40% | |
| Solarity Credit Union | 0.01% | 0.60% | |
| loanDepot | 0.01% | 10.18% | |
| Finance of America Mortgage | 0.01% | 1.80% | |
| Fairway Independent Mortgage Corporation | 0.02% | 1.20% | |
| Guild Mortgage Company | 0.02% | 1.20% | |
| American Pacific Mortgage | 0.02% | 1.20% | |
| Bay Equity Home Loans | 0.02% | 2.99% | |
| Wells Fargo Bank | 0.04% | 0.60% | |
| Quicken Loans | 0.04% | 17.96% | |
| Evergreen Moneysource Mortgage Company | 0.04% | 2.40% | |
| Cornerstone Home Lending | 0.04% | 2.40% | |
| PrimeLending | 0.04% | 1.20% | |
| HomeBridge Financial Services | 0.06% | 5.39% | |
| HomeStreet Bank | 0.09% | 1.80% |
* Data is compiled for the Yakima, WA commuting zone area, which comprises of counties of Kittitas County, WA, and Yakima County, WA. This includes cities/towns/communities of Yakima, WA as well as Ellensburg, WA, Cle Elum, WA, Selah, WA, Easton, WA, Sunnyside, WA, Gleed, WA, Grandview, WA, Terrace Heights, WA, Moxee, WA, Zillah, WA, Tampico, WA, Kittitas, WA, Tieton, WA, Granger, WA, Union Gap, WA, Toppenish, WA, Wapato, WA, Harrah, WA, White Swan, WA, and Mabton, 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.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Yakima, WA area. For mortgage lender rankings in other cities, click here.