Mortgage lending in Kennewick-Richland, WA
7,514 mortgages were originated in the Kennewick-Richland, WA area in 2025, and here is what they cost.
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
- 7,514
- Median rate
- 6.625%
- Median lender fees
- $7,371
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
- $305,000
- Above the going rate (spread over APOR)
- 0.290
- Paid discount points
- 46%
- Received lender credits
- 21.8%
- Purchases / refinances
- 54.5% / 28.2%
- Conventional / FHA / VA
- 74.1% / 16.8% / 8.2%
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 73.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Kennewick-Richland, WA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Gesa | 805 | $4,525 | 7.500% |
| CMG Mortgage, Inc. | 603 | $9,505 | 6.375% |
| United Shore Financial Services, LLC | 592 | $8,906 | 6.125% |
| Rocket Mortgage, LLC | 463 | $5,833 | 6.625% |
| 1st Security Bank of Washington | 365 | $11,553 | 6.250% |
| Primelending, A Plainscapital Company | 323 | $10,205 | 6.490% |
| Numerica Credit Union | 267 | — | 7.750% |
| Umpqua Bank | 239 | $6,722 | 6.750% |
| Hapo Community Credit Union | 207 | $875 | 7.250% |
| Crosscountry Mortgage, Inc. | 181 | $10,471 | 6.750% |