Top Mortgage Lenders in Yakima, WA

Which mortgage lender in the Yakima, 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 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

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Solarity Credit Union-0.19%(4.5)10.50%
Yakima Federal Savings and Loan Association-0.13%(4.0)3.33%
Boeing Employees’ Credit Union-0.10%(4.0)0.90%
GESA Credit Union-0.10%(4.0)2.15%
Washington State Employees Credit Union-0.09%(4.0)1.02%
HomeBridge Financial Services-0.07%(4.0)3.33%
US Bank-0.05%(3.5)2.78%
Flagstar Bank-0.03%(3.5)1.64%
Banner Bank-0.03%(3.5)2.55%
HAPO Community Credit Union-0.03%(3.5)1.11%
JPMorgan Chase Bank-0.02%(3.5)2.27%
Fairway Independent Mortgage Corporation-0.02%(3.5)2.41%
Bank of America-0.01%(3.5)0.93%
PennyMac Loan Services-0.00%(3.5)0.95%
Willamette Valley Bank0.01%(3.5)0.86%
DAS Acquisition Company0.02%(3.5)0.76%
Bay Equity Home Loans0.02%(3.5)0.74%
Wells Fargo Bank0.02%(3.5)3.12%
Caliber Home Loans0.02%(3.5)13.05%
Umpqua Bank0.04%(3.5)3.82%
Finance of America Mortgage0.04%(3.5)1.94%
Guild Mortgage Company0.04%(3.5)1.18%
Cornerstone Home Lending0.04%(3.5)4.19%
Academy Mortgage Corporation Utah0.07%(3.0)0.88%
Quicken Loans0.07%(3.0)8.95%
American Pacific Mortgage0.11%(3.0)3.17%
HomeStreet Bank0.11%(3.0)2.66%
Evergreen Moneysource Mortgage Company0.12%(3.0)8.07%
Lender NameRate DifferenceRate RatingMarket Share
Yakima Federal Savings and Loan Association-0.20%(4.5)3.26%
US Bank-0.16%(4.5)2.15%
Solarity Credit Union-0.14%(4.0)9.36%
Boeing Employees’ Credit Union-0.14%(4.0)1.25%
HomeBridge Financial Services-0.13%(4.0)4.38%
JPMorgan Chase Bank-0.13%(4.0)1.50%
Bank of America-0.09%(4.0)0.69%
Washington State Employees Credit Union-0.08%(4.0)0.69%
Wells Fargo Bank-0.08%(4.0)2.88%
GESA Credit Union-0.08%(4.0)1.98%
Flagstar Bank-0.07%(4.0)1.46%
Banner Bank-0.05%(4.0)2.36%
Fairway Independent Mortgage Corporation-0.02%(3.5)2.79%
Bay Equity Home Loans-0.01%(3.5)0.56%
HAPO Community Credit Union-0.01%(3.5)0.77%
Quicken Loans-0.01%(3.5)2.23%
Willamette Valley Bank-0.00%(3.5)1.33%
DAS Acquisition Company0.00%(3.5)0.77%
Academy Mortgage Corporation Utah0.01%(3.5)0.94%
Umpqua Bank0.03%(3.5)4.34%
Guild Mortgage Company0.03%(3.5)1.07%
Finance of America Mortgage0.04%(3.5)2.53%
Caliber Home Loans0.07%(3.0)14.81%
Cornerstone Home Lending0.07%(3.0)5.28%
HomeStreet Bank0.09%(3.0)3.82%
Evergreen Moneysource Mortgage Company0.10%(3.0)11.76%
American Pacific Mortgage0.11%(3.0)4.77%
Lender NameRate DifferenceRate RatingMarket Share
Solarity Credit Union-0.24%(4.5)11.84%
GESA Credit Union-0.11%(4.0)2.36%
Washington State Employees Credit Union-0.08%(4.0)1.40%
Yakima Federal Savings and Loan Association-0.06%(4.0)3.41%
Caliber Home Loans-0.05%(3.5)10.99%
HAPO Community Credit Union-0.03%(3.5)1.51%
Cornerstone Home Lending-0.03%(3.5)2.91%
Boeing Employees’ Credit Union-0.02%(3.5)0.50%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.96%
Banner Bank-0.00%(3.5)2.76%
Flagstar Bank0.01%(3.5)1.86%
PennyMac Loan Services0.01%(3.5)2.06%
DAS Acquisition Company0.03%(3.5)0.75%
Willamette Valley Bank0.03%(3.5)0.30%
Finance of America Mortgage0.03%(3.5)1.25%
US Bank0.04%(3.5)3.51%
Bay Equity Home Loans0.05%(3.5)0.95%
HomeBridge Financial Services0.05%(3.0)2.11%
JPMorgan Chase Bank0.05%(3.0)3.16%
Umpqua Bank0.05%(3.0)3.21%
American Pacific Mortgage0.06%(3.0)1.30%
Bank of America0.06%(3.0)1.20%
Guild Mortgage Company0.06%(3.0)1.30%
Quicken Loans0.10%(3.0)16.81%
Wells Fargo Bank0.12%(3.0)3.41%
Academy Mortgage Corporation Utah0.14%(3.0)0.80%
Evergreen Moneysource Mortgage Company0.14%(3.0)3.76%
HomeStreet Bank0.15%(3.0)1.30%
Lender NameRate DifferenceRate RatingMarket Share
Solarity Credit Union-0.19%(4.5)13.59%
Yakima Federal Savings and Loan Association-0.13%(4.0)4.22%
Boeing Employees’ Credit Union-0.10%(4.0)1.14%
GESA Credit Union-0.10%(4.0)2.62%
Washington State Employees Credit Union-0.09%(4.0)1.30%
HomeBridge Financial Services-0.06%(4.0)2.50%
US Bank-0.05%(3.5)3.13%
HAPO Community Credit Union-0.02%(3.5)1.45%
Banner Bank-0.01%(3.5)2.56%
JPMorgan Chase Bank-0.01%(3.5)2.74%
Fairway Independent Mortgage Corporation-0.00%(3.5)2.23%
Bank of America-0.00%(3.5)0.99%
Willamette Valley Bank0.01%(3.5)0.63%
DAS Acquisition Company0.02%(3.5)0.87%
Bay Equity Home Loans0.02%(3.5)0.66%
Flagstar Bank0.02%(3.5)1.05%
Caliber Home Loans0.03%(3.5)13.08%
Wells Fargo Bank0.03%(3.5)3.53%
Cornerstone Home Lending0.04%(3.5)4.22%
Umpqua Bank0.06%(3.0)3.43%
PennyMac Loan Services0.06%(3.0)0.45%
Finance of America Mortgage0.06%(3.0)1.57%
Guild Mortgage Company0.07%(3.0)1.05%
Academy Mortgage Corporation Utah0.08%(3.0)0.87%
Quicken Loans0.10%(3.0)8.95%
HomeStreet Bank0.13%(3.0)2.47%
American Pacific Mortgage0.14%(3.0)2.14%
Evergreen Moneysource Mortgage Company0.17%(2.5)6.96%
Lender NameRate DifferenceRate RatingMarket Share
Yakima Federal Savings and Loan Association-0.20%(4.5)4.43%
US Bank-0.18%(4.5)2.30%
JPMorgan Chase Bank-0.15%(4.0)1.71%
Solarity Credit Union-0.14%(4.0)12.75%
Boeing Employees’ Credit Union-0.13%(4.0)1.71%
HomeBridge Financial Services-0.12%(4.0)3.31%
Bank of America-0.12%(4.0)0.65%
Washington State Employees Credit Union-0.08%(4.0)0.89%
Wells Fargo Bank-0.08%(4.0)3.31%
GESA Credit Union-0.08%(4.0)2.48%
Banner Bank-0.04%(3.5)2.30%
Bay Equity Home Loans-0.02%(3.5)0.59%
HAPO Community Credit Union-0.01%(3.5)1.06%
Quicken Loans-0.01%(3.5)2.54%
Flagstar Bank-0.00%(3.5)0.71%
Willamette Valley Bank-0.00%(3.5)1.00%
DAS Acquisition Company0.01%(3.5)0.94%
Fairway Independent Mortgage Corporation0.01%(3.5)2.48%
Academy Mortgage Corporation Utah0.02%(3.5)1.00%
Umpqua Bank0.04%(3.5)3.90%
Guild Mortgage Company0.04%(3.5)1.12%
Finance of America Mortgage0.06%(3.0)2.13%
Caliber Home Loans0.07%(3.0)15.82%
Cornerstone Home Lending0.08%(3.0)5.55%
HomeStreet Bank0.10%(3.0)3.66%
American Pacific Mortgage0.15%(3.0)3.13%
Evergreen Moneysource Mortgage Company0.15%(2.5)10.21%
Lender NameRate DifferenceRate RatingMarket Share
Solarity Credit Union-0.24%(4.5)14.46%
GESA Credit Union-0.12%(4.0)2.77%
Washington State Employees Credit Union-0.08%(4.0)1.72%
Yakima Federal Savings and Loan Association-0.06%(4.0)4.00%
Caliber Home Loans-0.05%(4.0)10.22%
Cornerstone Home Lending-0.05%(4.0)2.83%
HAPO Community Credit Union-0.03%(3.5)1.85%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.97%
Boeing Employees’ Credit Union-0.02%(3.5)0.55%
Banner Bank0.01%(3.5)2.83%
DAS Acquisition Company0.03%(3.5)0.80%
Finance of America Mortgage0.03%(3.5)0.98%
Willamette Valley Bank0.04%(3.5)0.25%
Flagstar Bank0.04%(3.5)1.42%
US Bank0.04%(3.5)4.00%
JPMorgan Chase Bank0.06%(3.0)3.82%
HomeBridge Financial Services0.06%(3.0)1.66%
Bay Equity Home Loans0.06%(3.0)0.74%
Bank of America0.06%(3.0)1.35%
PennyMac Loan Services0.07%(3.0)0.92%
Umpqua Bank0.08%(3.0)2.95%
American Pacific Mortgage0.09%(3.0)1.11%
Guild Mortgage Company0.09%(3.0)0.98%
Quicken Loans0.13%(3.0)15.63%
Wells Fargo Bank0.13%(3.0)3.75%
Academy Mortgage Corporation Utah0.17%(2.5)0.74%
HomeStreet Bank0.18%(2.5)1.23%
Evergreen Moneysource Mortgage Company0.18%(2.5)3.57%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.14%(4.0)6.97%
Flagstar Bank-0.13%(4.0)4.12%
Banner Bank-0.11%(4.0)1.90%
US Bank-0.08%(4.0)0.79%
PennyMac Loan Services-0.07%(4.0)1.74%
Fairway Independent Mortgage Corporation-0.06%(4.0)3.49%
Bank of America-0.04%(3.5)0.32%
Washington State Employees Credit Union-0.03%(3.5)0.16%
Quicken Loans-0.02%(3.5)8.87%
Guild Mortgage Company-0.02%(3.5)1.43%
GESA Credit Union-0.01%(3.5)0.79%
Wells Fargo Bank-0.01%(3.5)0.16%
Willamette Valley Bank-0.00%(3.5)2.54%
DAS Acquisition Company-0.00%(3.5)0.16%
Finance of America Mortgage0.01%(3.5)3.96%
Bay Equity Home Loans0.01%(3.5)0.79%
Evergreen Moneysource Mortgage Company0.01%(3.5)15.53%
Umpqua Bank0.02%(3.5)4.44%
Academy Mortgage Corporation Utah0.02%(3.5)1.27%
Caliber Home Loans0.04%(3.5)11.09%
HomeStreet Bank0.06%(3.0)2.38%
Cornerstone Home Lending0.07%(3.0)4.91%
American Pacific Mortgage0.08%(3.0)9.67%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.16%(4.5)3.38%
HomeBridge Financial Services-0.15%(4.5)8.65%
Banner Bank-0.13%(4.0)2.32%
Fairway Independent Mortgage Corporation-0.08%(4.0)3.80%
US Bank-0.08%(4.0)1.05%
Bank of America-0.04%(3.5)0.42%
Washington State Employees Credit Union-0.04%(3.5)0.21%
Wells Fargo Bank-0.01%(3.5)0.21%
GESA Credit Union-0.01%(3.5)0.63%
Willamette Valley Bank-0.01%(3.5)2.95%
Quicken Loans-0.01%(3.5)1.69%
Finance of America Mortgage-0.00%(3.5)4.22%
Guild Mortgage Company0.00%(3.5)0.63%
Bay Equity Home Loans0.01%(3.5)0.63%
Evergreen Moneysource Mortgage Company0.01%(3.5)18.14%
Umpqua Bank0.01%(3.5)5.49%
Academy Mortgage Corporation Utah0.02%(3.5)0.84%
HomeStreet Bank0.06%(3.0)2.95%
Caliber Home Loans0.07%(3.0)10.76%
Cornerstone Home Lending0.07%(3.0)5.27%
American Pacific Mortgage0.08%(3.0)11.60%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.06%(4.0)6.37%
PennyMac Loan Services-0.05%(3.5)7.01%
American Pacific Mortgage-0.02%(3.5)3.82%
HomeBridge Financial Services-0.01%(3.5)1.91%
Guild Mortgage Company-0.01%(3.5)3.82%
Caliber Home Loans-0.01%(3.5)12.10%
Quicken Loans-0.01%(3.5)30.57%
Evergreen Moneysource Mortgage Company0.00%(3.5)7.64%
GESA Credit Union0.01%(3.5)1.27%
Willamette Valley Bank0.01%(3.5)1.27%
Banner Bank0.01%(3.5)0.64%
Umpqua Bank0.01%(3.5)1.27%
Fairway Independent Mortgage Corporation0.01%(3.5)2.55%
DAS Acquisition Company0.02%(3.5)0.64%
Academy Mortgage Corporation Utah0.02%(3.5)2.55%
Bay Equity Home Loans0.02%(3.5)1.27%
Finance of America Mortgage0.03%(3.5)3.18%
HomeStreet Bank0.03%(3.5)0.64%
Cornerstone Home Lending0.07%(3.0)3.82%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)15.91%
US Bank-0.02%(3.5)12.50%
Bank of America-0.00%(3.5)5.68%
Academy Mortgage Corporation Utah-0.00%(3.5)1.14%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.14%
Yakima Federal Savings and Loan Association0.00%(3.5)4.55%
GESA Credit Union0.00%(3.5)1.14%
American Pacific Mortgage0.00%(3.5)1.14%
Boeing Employees’ Credit Union0.01%(3.5)1.14%
Finance of America Mortgage0.01%(3.5)1.14%
HomeBridge Financial Services0.01%(3.5)3.41%
Umpqua Bank0.01%(3.5)2.27%
HomeStreet Bank0.01%(3.5)3.41%
JPMorgan Chase Bank0.01%(3.5)6.82%
Solarity Credit Union0.01%(3.5)1.14%
Quicken Loans0.01%(3.5)3.41%
DAS Acquisition Company0.01%(3.5)3.41%
Banner Bank0.02%(3.5)3.41%
Guild Mortgage Company0.02%(3.5)3.41%
Cornerstone Home Lending0.02%(3.5)2.27%
Evergreen Moneysource Mortgage Company0.03%(3.5)2.27%
Caliber Home Loans0.03%(3.5)4.55%
Flagstar Bank0.04%(3.5)3.41%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)18.18%
US Bank-0.02%(3.5)13.64%
Bank of America-0.01%(3.5)6.82%
Academy Mortgage Corporation Utah0.00%(3.5)2.27%
Yakima Federal Savings and Loan Association0.00%(3.5)2.27%
GESA Credit Union0.00%(3.5)2.27%
DAS Acquisition Company0.00%(3.5)4.55%
American Pacific Mortgage0.01%(3.5)2.27%
Guild Mortgage Company0.01%(3.5)2.27%
Umpqua Bank0.01%(3.5)4.55%
Solarity Credit Union0.01%(3.5)2.27%
JPMorgan Chase Bank0.02%(3.5)11.36%
HomeStreet Bank0.02%(3.5)2.27%
Banner Bank0.02%(3.5)4.55%
Caliber Home Loans0.03%(3.5)6.82%
Evergreen Moneysource Mortgage Company0.03%(3.5)2.27%
Flagstar Bank0.04%(3.5)6.82%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)11.36%
Wells Fargo Bank-0.01%(3.5)13.64%
Fairway Independent Mortgage Corporation-0.00%(3.5)2.27%
Yakima Federal Savings and Loan Association-0.00%(3.5)6.82%
JPMorgan Chase Bank0.00%(3.5)2.27%
Bank of America0.00%(3.5)4.55%
HomeStreet Bank0.01%(3.5)4.55%
Banner Bank0.01%(3.5)2.27%
Boeing Employees’ Credit Union0.01%(3.5)2.27%
Finance of America Mortgage0.01%(3.5)2.27%
HomeBridge Financial Services0.01%(3.5)6.82%
Quicken Loans0.01%(3.5)6.82%
Caliber Home Loans0.02%(3.5)2.27%
Evergreen Moneysource Mortgage Company0.02%(3.5)2.27%
Cornerstone Home Lending0.02%(3.5)4.55%
Guild Mortgage Company0.02%(3.5)4.55%
DAS Acquisition Company0.04%(3.5)2.27%
Lender NameRate DifferenceRate RatingMarket Share
Banner Bank-0.06%(4.0)3.52%
Umpqua Bank-0.03%(3.5)7.39%
PennyMac Loan Services-0.03%(3.5)5.28%
Caliber Home Loans-0.03%(3.5)19.72%
Flagstar Bank-0.02%(3.5)2.46%
Fairway Independent Mortgage Corporation-0.01%(3.5)2.46%
Guild Mortgage Company-0.01%(3.5)1.41%
Solarity Credit Union-0.01%(3.5)0.70%
Finance of America Mortgage-0.00%(3.5)2.11%
American Pacific Mortgage0.00%(3.5)1.41%
JPMorgan Chase Bank0.00%(3.5)0.35%
Bay Equity Home Loans0.01%(3.5)1.76%
Wells Fargo Bank0.01%(3.5)1.06%
HomeBridge Financial Services0.02%(3.5)4.93%
Quicken Loans0.02%(3.5)10.92%
Cornerstone Home Lending0.02%(3.5)2.82%
Evergreen Moneysource Mortgage Company0.08%(3.0)6.34%
HomeStreet Bank0.11%(3.0)5.28%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.06%(4.0)4.27%
Flagstar Bank-0.06%(4.0)2.56%
Guild Mortgage Company-0.05%(3.5)1.71%
Fairway Independent Mortgage Corporation-0.04%(3.5)4.27%
Banner Bank-0.04%(3.5)2.56%
Umpqua Bank-0.04%(3.5)5.98%
Solarity Credit Union-0.03%(3.5)0.85%
American Pacific Mortgage-0.03%(3.5)1.71%
Quicken Loans-0.03%(3.5)0.85%
Finance of America Mortgage-0.02%(3.5)2.56%
JPMorgan Chase Bank-0.02%(3.5)0.85%
Wells Fargo Bank-0.02%(3.5)1.71%
Cornerstone Home Lending-0.01%(3.5)3.42%
Caliber Home Loans0.02%(3.5)19.66%
Evergreen Moneysource Mortgage Company0.07%(3.0)11.97%
HomeStreet Bank0.09%(3.0)10.26%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.06%(4.0)19.76%
Banner Bank-0.06%(4.0)4.19%
Umpqua Bank-0.03%(3.5)8.38%
PennyMac Loan Services-0.01%(3.5)8.98%
Flagstar Bank0.01%(3.5)2.40%
Solarity Credit Union0.01%(3.5)0.60%
Finance of America Mortgage0.01%(3.5)1.80%
Fairway Independent Mortgage Corporation0.02%(3.5)1.20%
Guild Mortgage Company0.02%(3.5)1.20%
American Pacific Mortgage0.02%(3.5)1.20%
Bay Equity Home Loans0.02%(3.5)2.99%
Wells Fargo Bank0.04%(3.5)0.60%
Quicken Loans0.04%(3.5)17.96%
Evergreen Moneysource Mortgage Company0.04%(3.5)2.40%
Cornerstone Home Lending0.04%(3.5)2.40%
HomeBridge Financial Services0.06%(3.0)5.39%
HomeStreet Bank0.09%(3.0)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.

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