Mortgage Lenders and Brokers in Ephrata, Washington
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ephrata, Washington mortgage lenders include US Bank, N.A.US Bank, N.A.121 Basin St Nw, Ephrata, WA 98823A+5.0 ★Texas Ratio: 2.85%, Banner BankBanner Bank447 Basin St Sw, Ephrata, WA 98823A+5.0 ★Texas Ratio: 2.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA109 W Division Ave, Ephrata, WA 98823A+5.0 ★Texas Ratio: 3.68%, Washington Trust BankWashington Trust Bank261 Basin St Sw, Ephrata, WA 98823A+5.0 ★Texas Ratio: 4.63%, Spokane Teachers Credit UnionSpokane Teachers Credit Union10811 W State Route 2, Airway Heights, WA 99001 5167A5.0 ★Texas Ratio: 10.05%, Qualstar Credit UnionQualstar Credit Union24000 35th Ave SE # 200, Bothell, WA 98021 8990A+5.0 ★Texas Ratio: 4.83%, Boeing Employees' Credit UnionBoeing Employees' Credit Union205 10th St NE, Auburn, WA 98002, Horizon Credit UnionHorizon Credit Union260 C St SW, Ephrata, WA 98823 1815A+5.0 ★Texas Ratio: 1.61%, Gesa Credit UnionGesa Credit Union5363 Auto Center Way, Bremerton, WA 98312A5.0 ★Texas Ratio: 6.57%, and Cashmere Valley BankCashmere Valley Bank117 Aplets Way, Cashmere, WA 98815A+5.0 ★Texas Ratio: 1.44%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ephrata, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ephrata are listed first, then lenders elsewhere in Washington, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ephrata, Washington
Market share is the lender's share of all home loans closed in Ephrata, Washington. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Ephrata 121 Basin St Nw, Ephrata, WA 98823 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 8 +1 HELOCs |
4.2% | 100% | $233,750 | View |
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1 office in Ephrata 447 Basin St Sw, Ephrata, WA 98823 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.6% | 50% | $248,333 | View |
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1 office in Ephrata 109 W Division Ave, Ephrata, WA 98823 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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1 office in Ephrata 261 Basin St Sw, Ephrata, WA 98823 A+5.0 ★Texas Ratio: 4.63% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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10811 W State Route 2, Airway Heights, WA 99001 5167 A5.0 ★Texas Ratio: 10.05% |
Conventional, HELOC | 4 +3 HELOCs |
2.1% | 100% | $165,000 | View |
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24000 35th Ave SE # 200, Bothell, WA 98021 8990 A+5.0 ★Texas Ratio: 4.83% |
Conventional | 2 | 1% | 66.7% | $70,000 | View |
Boeing Employees' Credit Union
205 10th St NE, Auburn, WA 98002 |
Conventional | 2 | 1% | 100% | $330,000 | |
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260 C St SW, Ephrata, WA 98823 1815 A+5.0 ★Texas Ratio: 1.61% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $175,000 | View |
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5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 50% | $35,000 | View |
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117 Aplets Way, Cashmere, WA 98815 A+5.0 ★Texas Ratio: 1.44% |
Conventional | 1 | 0.5% | 100% | $355,000 | View |
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100 W 1st St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.31% |
FHA | 1 | 0.5% | 100% | $305,000 | View |
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244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77% |
FHA | 1 | 0.5% | 100% | $275,000 | View |
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1005 Highway 97, Brewster, WA 98812 A+5.0 ★Texas Ratio: 1.87% |
FHA | 1 | 0.5% | 50% | $325,000 | View |
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404 North West Avenue, Arlington, WA 98223 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA | 3 | 1.6% | 100% | $405,000 | |
Sammamish Mortgage Company
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Conventional | 1 | 0.5% | 100% | $275,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 45 | 23.4% | 88.7% | $261,666 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 21 +1 HELOCs |
10.9% | 100% | $262,142 | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 8.3% | 88.9% | $176,875 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 6.2% | 80% | $320,833 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA, HELOC | 11 +1 HELOCs |
5.7% | 86.7% | $224,090 | |
loanDepot.com LLC
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Conventional | 5 | 2.6% | 100% | $133,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 2.1% | 80% | $312,500 | |
Mortgage Research Center
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VA | 4 | 2.1% | 66.7% | $417,500 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 1.6% | 100% | $368,333 | |
Nationstar Mortgage
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Conventional | 3 | 1.6% | 100% | $125,000 | |
New American Funding, LLC.
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Conventional, VA | 3 | 1.6% | 100% | $321,666 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 1% | 100% | $175,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1% | 100% | $150,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 1% | 66.7% | $285,000 | |
Newrez LLC
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Conventional, VA | 2 | 1% | 66.7% | $220,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1% | 66.7% | $85,000 | |
Fairway Independent Mort Corp
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FHA, USDA | 2 | 1% | 100% | $315,000 | |
21St Mortgage
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Conventional | 2 | 1% | 66.7% | $80,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1% | 100% | $255,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $155,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.5% | 100% | $375,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.5% | 100% | $405,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 33.3% | $265,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $145,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.5% | 50% | $155,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.5% | 16.7% | $175,000 | |
Synergy One Lending, Inc.
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FHA | 1 | 0.5% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
American Financing Corporation
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FHA | 1 | 0.5% | 33.3% | $205,000 | |
Pivot Financial Partners, Inc
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Conventional | 1 | 0.5% | 100% | $295,000 | |
Nfm, Inc
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FHA | 1 | 0.5% | 100% | $285,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Mission Loans, LLC
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FHA | 1 | 0.5% | 100% | $215,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.5% | 50% | $185,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.5% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
Leaderone Financial Corp.
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Conventional | 1 | 0.5% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 4.66% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ephrata Mortgage Rate Trends
Daily average mortgage rates for Washington compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ephrata, Washington
Looking for mortgage lenders near me or mortgage brokers near me in Ephrata? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ephrata in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ephrata, WA
Use these to narrow the list above. Each category shows how many Ephrata, WA lenders fit and what that kind of lender is usually best for.
Who Lends in Ephrata, WA
Independent mortgage companies closed 85.9 percent of home loans in Ephrata, Washington in 2025, banks 8.9 percent and credit unions 5.2 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, US Bank, N.A. the largest bank and Spokane Teachers Credit Union the largest credit union. Among lenders headquartered in Washington, Banner Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Washington. Graduated state real estate excise tax paid by the seller: 1.1 percent up to $525,000, 1.28 percent from $525,000 to $1.525 million, 2.75 percent to $3.025 million and 3 percent above, plus local REET usually 0.25 to 0.5 percent; no mortgage tax.
More Washington Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Ephrata, WA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Ephrata, Washington with 8 loans, about 4.2 percent of the market. The largest lender headquartered in Washington was Banner Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in Ephrata, Washington in 2025, led by Guild Mortgage Company with 13. 9 lenders closed VA loans, led by United Wholesale Mortgage, and 3 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 11 banks and 6 credit unions closed home loans in Ephrata, Washington in 2025, alongside 42 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ephrata, Washington during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ephrata, Washington for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ephrata. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
