Mortgage lending in Kittitas County
1,371 mortgages were originated in Kittitas County, Washington, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,371
- Median rate
- 6.750%
- Median lender fees
- $6,235
- Median loan amount
- $355,000
- Median spread over APOR
- 0.264
- Paid discount points
- 41.1%
- Received lender credits
- 23.6%
- Purchases / refinances
- 57% / 25.2%
- Conventional / FHA / VA
- 86.6% / 8.9% / 4.4%
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 74% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Kittitas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 74 | $7,267 | 6.625% |
| DHI MORTGAGE COMPANY, LTD. | 71 | $3,305 | 5.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 65 | $6,528 | 6.399% |
| Boeing Employees Credit Union | 65 | — | 6.250% |
| Rocket Mortgage, LLC | 59 | $4,507 | 6.990% |
| U.S. Bank National Association | 52 | — | 6.375% |
| CORNERSTONE CAPITAL BANK, SSB | 51 | — | 6.625% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Kittitas County — not a rule of thumb.
From 1,014 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers