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, we provide a data driven ranking of mortgage lenders in the Moses Lake, WA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Moses Lake, WA area is GESA Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.12%. This means that GESA Credit Union provided a -0.12% lower interest rate for its customers than other lenders in Moses Lake, WA for a similar set of borrowers. GESA Credit Union has a market share of 5.4%. On the other hand, the most popular lender in the market is Guild Mortgage Company, with a market share of 29.8%. Guild Mortgage Company is an average rate lender in this area, with a “Rate Difference” of +0.04% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Moses Lake, WA is HomeBridge Financial Services, Inc. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), 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 Inc. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Moses Lake, WA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GESA Credit Union 1, -0.12% 5.44%
HomeBridge Financial Services, Inc 2, -0.09% 2.85%
KeyBank National Association 3, -0.08% 3.39%
Washington Trust Bank 4, -0.04% 3.39%
Us Bank 5, -0.04% 3.93%
Wells Fargo Bank 6, -0.02% 3.21%
Fairway Independent Mort Corp 7, -0.02% 3.12%
Umpqua Bank 8, -0.02% 4.64%
JPMorgan Chase Bank 9, -0.01% 3.93%
Quicken Loans 10, -0.00% 12.67%
Horizon Credit Union 11, 0.01% 4.28%
Movement Mortgage 12, 0.02% 2.85%
Caliber Home Loans Inc 13, 0.03% 4.73%
Guild Mortgage Company 14, 0.04% 29.79%
Evergreen Moneysource Mortgage Company 15, 0.05% 11.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GESA Credit Union 1, -0.13% 5.48%
Us Bank 2, -0.11% 2.81%
HomeBridge Financial Services, Inc 3, -0.11% 4.07%
JPMorgan Chase Bank 4, -0.09% 2.95%
Washington Trust Bank 5, -0.08% 3.09%
Wells Fargo Bank 6, -0.06% 3.51%
KeyBank National Association 7, -0.04% 1.26%
Umpqua Bank 8, -0.03% 4.63%
Quicken Loans 9, -0.01% 5.06%
Fairway Independent Mort Corp 10, 0.00% 2.95%
Movement Mortgage 11, 0.01% 3.79%
Horizon Credit Union 12, 0.02% 4.35%
Caliber Home Loans Inc 13, 0.03% 4.92%
Guild Mortgage Company 14, 0.04% 34.83%
Evergreen Moneysource Mortgage Company 15, 0.05% 16.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GESA Credit Union 1, -0.12% 5.38%
KeyBank National Association 2, -0.09% 7.09%
Fairway Independent Mort Corp 3, -0.05% 3.42%
Horizon Credit Union 4, -0.01% 4.16%
Umpqua Bank 5, 0.00% 4.65%
Caliber Home Loans Inc 6, 0.01% 4.40%
Quicken Loans 7, 0.01% 25.92%
Washington Trust Bank 8, 0.01% 3.91%
HomeBridge Financial Services, Inc 9, 0.01% 0.73%
Us Bank 10, 0.02% 5.87%
Guild Mortgage Company 11, 0.02% 21.03%
Evergreen Moneysource Mortgage Company 12, 0.03% 3.91%
Movement Mortgage 13, 0.05% 1.22%
Wells Fargo Bank 14, 0.05% 2.69%
JPMorgan Chase Bank 15, 0.06% 5.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.12% 2.22%
GESA Credit Union 2, -0.12% 7.58%
KeyBank National Association 3, -0.07% 4.97%
Washington Trust Bank 4, -0.04% 4.05%
Us Bank 5, -0.03% 5.49%
Wells Fargo Bank 6, -0.02% 4.44%
Fairway Independent Mort Corp 7, -0.01% 3.27%
Umpqua Bank 8, -0.01% 5.10%
JPMorgan Chase Bank 9, -0.00% 5.36%
Quicken Loans 10, 0.01% 13.20%
Guild Mortgage Company 11, 0.01% 22.48%
Horizon Credit Union 12, 0.04% 4.97%
Caliber Home Loans Inc 13, 0.05% 5.36%
Movement Mortgage 14, 0.06% 2.61%
Evergreen Moneysource Mortgage Company 15, 0.11% 8.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.13% 3.70%
GESA Credit Union 2, -0.12% 8.33%
Us Bank 3, -0.10% 4.17%
JPMorgan Chase Bank 4, -0.07% 4.63%
Washington Trust Bank 5, -0.07% 3.94%
Wells Fargo Bank 6, -0.05% 5.32%
KeyBank National Association 7, -0.02% 2.08%
Umpqua Bank 8, -0.01% 5.09%
Guild Mortgage Company 9, -0.00% 26.39%
Quicken Loans 10, 0.02% 5.32%
Fairway Independent Mort Corp 11, 0.03% 3.24%
Movement Mortgage 12, 0.07% 3.47%
Caliber Home Loans Inc 13, 0.07% 6.25%
Horizon Credit Union 14, 0.08% 4.86%
Evergreen Moneysource Mortgage Company 15, 0.12% 13.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GESA Credit Union 1, -0.12% 6.61%
KeyBank National Association 2, -0.09% 8.71%
Fairway Independent Mort Corp 3, -0.07% 3.30%
Horizon Credit Union 4, -0.01% 5.11%
HomeBridge Financial Services, Inc 5, -0.00% 0.30%
Quicken Loans 6, 0.00% 23.42%
Umpqua Bank 7, 0.00% 5.11%
Washington Trust Bank 8, 0.01% 4.20%
Caliber Home Loans Inc 9, 0.01% 4.20%
Us Bank 10, 0.02% 7.21%
Evergreen Moneysource Mortgage Company 11, 0.04% 3.30%
Guild Mortgage Company 12, 0.05% 17.42%
Movement Mortgage 13, 0.05% 1.50%
Wells Fargo Bank 14, 0.05% 3.30%
JPMorgan Chase Bank 15, 0.07% 6.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Horizon Credit Union 1, -0.14% 2.59%
HomeBridge Financial Services, Inc 2, -0.09% 4.44%
Movement Mortgage 3, -0.08% 3.33%
Caliber Home Loans Inc 4, -0.07% 2.22%
Washington Trust Bank 5, -0.06% 1.85%
Quicken Loans 6, -0.05% 10.00%
Umpqua Bank 7, -0.04% 3.70%
Fairway Independent Mort Corp 8, -0.04% 2.59%
Evergreen Moneysource Mortgage Company 9, -0.04% 18.15%
GESA Credit Union 10, -0.02% 1.11%
JPMorgan Chase Bank 11, -0.01% 0.74%
Guild Mortgage Company 12, 0.06% 49.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Horizon Credit Union 1, -0.15% 3.03%
HomeBridge Financial Services, Inc 2, -0.09% 5.19%
Movement Mortgage 3, -0.09% 3.90%
Caliber Home Loans Inc 4, -0.08% 2.60%
Quicken Loans 5, -0.08% 4.33%
Washington Trust Bank 6, -0.08% 1.73%
Fairway Independent Mort Corp 7, -0.06% 2.16%
Umpqua Bank 8, -0.05% 3.90%
Evergreen Moneysource Mortgage Company 9, -0.05% 21.21%
GESA Credit Union 10, -0.03% 1.30%
Guild Mortgage Company 11, 0.07% 50.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.03% 41.03%
Washington Trust Bank 2, 0.01% 2.56%
Umpqua Bank 3, 0.02% 2.56%
Quicken Loans 4, 0.02% 43.59%
Fairway Independent Mort Corp 5, 0.04% 5.13%
JPMorgan Chase Bank 6, 0.05% 5.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.00% 25.00%
Washington Trust Bank 2, 0.00% 50.00%
Guild Mortgage Company 3, 0.00% 25.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.00% 33.33%
Washington Trust Bank 2, 0.00% 33.33%
Guild Mortgage Company 3, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Washington Trust Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.04% 7.32%
JPMorgan Chase Bank 2, -0.03% 1.22%
Us Bank 3, -0.02% 1.22%
Umpqua Bank 4, -0.02% 3.66%
HomeBridge Financial Services, Inc 5, -0.02% 3.66%
Movement Mortgage 6, -0.01% 3.66%
Horizon Credit Union 7, -0.01% 3.66%
Wells Fargo Bank 8, -0.00% 2.44%
Fairway Independent Mort Corp 9, -0.00% 3.66%
Evergreen Moneysource Mortgage Company 10, 0.00% 18.29%
Guild Mortgage Company 11, 0.01% 34.15%
Quicken Loans 12, 0.02% 17.07%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.04% 2.17%
JPMorgan Chase Bank 2, -0.04% 2.17%
Us Bank 3, -0.03% 2.17%
Umpqua Bank 4, -0.03% 4.35%
Quicken Loans 5, -0.03% 6.52%
Movement Mortgage 6, -0.02% 6.52%
Caliber Home Loans Inc 7, -0.02% 4.35%
Horizon Credit Union 8, -0.02% 6.52%
Wells Fargo Bank 9, -0.01% 4.35%
Fairway Independent Mort Corp 10, -0.01% 4.35%
Evergreen Moneysource Mortgage Company 11, 0.00% 21.74%
Guild Mortgage Company 12, 0.03% 34.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.04% 11.11%
Guild Mortgage Company 2, -0.02% 33.33%
Umpqua Bank 3, -0.01% 2.78%
Evergreen Moneysource Mortgage Company 4, -0.00% 13.89%
HomeBridge Financial Services, Inc 5, 0.00% 5.56%
Fairway Independent Mort Corp 6, 0.02% 2.78%
Quicken Loans 7, 0.04% 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Moses Lake, WA area. For mortgage lender rankings of other cities, click here.