What people paid for mortgages in Chelan County, WA (2025)
Across 676 closed home-purchase loans in 2025, the median interest rate in Chelan was 6.5%, and the middle half of borrowers got between 6.125% and 6.937%. Median total loan costs ran $9,146 on a median loan of $425,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.937%
- Median total loan costs
- $9,146
- Median loan amount
- $425,000
676 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $8,220
- Median loan amount
- $365,000
306 loans, 2025.
Lowest median rates in Chelan (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.GUILD MORTGAGE COMPANY6.5%45 loans, median costs $9,351
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.5%41 loans, median costs $9,897
- 3.EVERGREEN MONEYSOURCE MORTGAGE COMPANY6.625%80 loans, median costs $10,599
- 4.Glacier Bank6.625%40 loans, median costs $7,667
- 5.Banner Bank6.75%44 loans, median costs $12,174
Among lenders with at least 30 closed purchase loans in Chelan County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%36 loans, median costs $9,417
- 2.NEWREZ LLC6.058%10 loans, median costs $9,445
- 3.Rocket Mortgage, LLC6.125%44 loans, median costs $9,834
- 4.GESA6.25%10 loans, median costs $6,613
- 5.GUILD MORTGAGE COMPANY6.312%10 loans, median costs $7,432
Among lenders with at least 10 closed refinance loans in Chelan County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Lender by lender in Chelan
Every lender that closed at least 5 qualifying loans in Chelan County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 80 | 6.625% | $10,599 | $6,831 | $5,794 |
| 2 | GUILD MORTGAGE COMPANY | 45 | 6.5% | $9,351 | $5,913 | $6,334 |
| 3 | Banner Bank | 44 | 6.75% | $12,174 | $7,374 | $7,095 |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 41 | 6.5% | $9,897 | $4,745 | $2,722 |
| 5 | Glacier Bank | 40 | 6.625% | $7,667 | $4,372 | $831 |
| 6 | Cashmere Valley Bank | 35 | n/a | n/a | n/a | n/a |
| 7 | MOVEMENT MORTGAGE, LLC | 30 | 6.875% | $7,466 | $2,529 | $3,525 |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 26 | 6.35% | $11,450 | $7,055 | $8,586 |
| 9 | GESA | 25 | 6.25% | $8,958 | $6,219 | $1,300 |
| 10 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 22 | 6.933% | $16,924 | $8,820 | $9,279 |
| 11 | Boeing Employees Credit Union | 19 | 6.375% | $4,364 | $1,394 | $1,394 |
| 12 | Peoples Bank | 18 | 6.75% | $9,751 | $5,135 | $5,380 |
| 13 | Loandepot.Com, LLC | 15 | 6.375% | $11,472 | $3,734 | $3,518 |
| 14 | Rocket Mortgage, LLC | 15 | 6.375% | $10,322 | $5,565 | $3,548 |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.125% | $13,501 | $7,360 | $9,129 |
| 16 | CMG MORTGAGE, INC. | 13 | 6.75% | $9,316 | $5,993 | $5,098 |
| 17 | JPMorgan Chase Bank, National Association | 11 | 6.49% | $4,450 | $292 | $4,651 |
| 18 | NUMERICA CREDIT UNION | 9 | 6.125% | $17,079 | $5,923 | $6,523 |
| 19 | U.S. Bank National Association | 9 | 6.625% | $8,280 | $1,990 | $381 |
| 20 | GUARANTEED RATE, INC. | 8 | 6.625% | $8,792 | $6,225 | $4,689 |
| 21 | Mortgage Research Center, LLC | 7 | 6.5% | $9,621 | $0 | $1,269 |
| 22 | NEWREZ LLC | 7 | 6.5% | $6,092 | $1,671 | $1,827 |
| 23 | TRIAD FINANCIAL SERVICES, INC. | 6 | 8.29% | n/a | n/a | n/a |
| 24 | CANOPY MORTGAGE, LLC | 6 | 6.562% | $13,339 | $7,244 | $5,578 |
| 25 | PENNYMAC LOAN SERVICES, LLC | 6 | 6.125% | $5,503 | $1,782 | $1,400 |
| 26 | CREDIT HUMAN FEDERAL CREDIT UNION | 5 | 9.5% | n/a | n/a | n/a |
| 27 | USAA Federal Savings Bank | 5 | 6.125% | $5,580 | $3,036 | $3,547 |
| 28 | Umpqua Bank | 5 | 6.75% | $6,310 | $5,319 | $4,700 |
| 29 | Wells Fargo Bank, National Association | 5 | 6.375% | $5,548 | $3,080 | $4,375 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Chelan figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Chelan County in 2025?
The median interest rate on closed home-purchase loans in Chelan County, Washington in 2025 was 6.5%, across 676 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.937%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.