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Looking for a mortgage lender in Ephrata? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Ephrata, WA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Washington before hiring.
Showing 4 mortgage lenders in Ephrata, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Horizon Credit Union
260 C St SW, Ephrata, WA 98823
8008525316
First Interstate Bank
66 Basin St SW, Ephrata, WA 98823
5097172255
Lorena Urrutia – Banner Bank Residential Loan Officer
447 Basin St SW, Ephrata, WA 98823
5096708575
Chase Mortgage
109 Division Ave W, Ephrata, WA 98823
5097542445
Mortgage lenders in Ephrata, Washington help homebuyers and homeowners secure loans for purchasing or refinancing properties. Washington state requires lenders to be licensed under the Consumer Loan Act, and many local lenders offer conventional, FHA, VA, and USDA loans tailored to rural areas like Ephrata. Working with a local lender can provide knowledge of Grant County real estate market conditions and property values.
What Does a Mortgage Lender in Ephrata Cost?
Typical costs for a mortgage in Washington include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,500. Closing costs in Grant County generally range from 2% to 5% of the purchase price. These figures vary based on loan type, property value, and lender policies. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Ephrata?
You typically need pay stubs, tax returns, bank statements, and proof of identification. Washington lenders also require a credit check and may ask for additional documents if you are self-employed.
How long does it take to close a mortgage in Washington?
The average time to close a mortgage in Washington is 30 to 45 days. Delays can occur if appraisal or title work takes longer, especially in rural areas like Ephrata.
Are there special mortgage programs for first-time buyers in Washington?
Yes, the Washington State Housing Finance Commission offers programs like the Home Advantage loan and down payment assistance for first-time buyers. Income limits and purchase price caps apply, and these programs are available through participating lenders in Ephrata.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Washington.