Mortgage lending in Chelan County
1,738 mortgages were originated in Chelan County, Washington, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,738
- Median rate
- 6.750%
- Median lender fees
- $7,660
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $350,000
- Above the going rate (spread over APOR)
- 0.350
- Paid discount points
- 41.9%
- Received lender credits
- 24.1%
- Purchases / refinances
- 51.4% / 28.7%
- Conventional / FHA / VA
- 86.2% / 8.9% / 4.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $586,500
- Median home price
- $510,000
- That home, 20% down
- $408,000
A median-priced home with 20% down leaves $424,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Chelan County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Numerica Credit Union | 132 | — | 8.000% |
| Evergreen Moneysource Mortgage Company | 111 | $10,775 | 6.625% |
| Rocket Mortgage, LLC | 103 | $5,890 | 6.875% |
| United Shore Financial Services, LLC | 88 | $9,430 | 6.445% |
| Boeing Employees Credit Union | 84 | — | 6.063% |
| Banner Bank | 78 | $12,141 | 6.750% |
| Gesa | 73 | — | 7.250% |
| Guild Mortgage Company | 73 | $8,415 | 6.563% |
| Glacier Bank | 72 | $6,834 | 6.728% |
| Cashmere Valley Bank | 70 | — | — |
What lenders charged here
Lender fees on a $350,000 loan, based on what was actually charged in Chelan County — not a rule of thumb.
From 1,139 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers