Banner Bank Mortgage Lending & HMDA Data, 2019
In 2019, Banner Bank of Walla Walla, WA reported 9,349 mortgage applications totaling $3.7 billion, up 19% from 2018. The average application was for $395,734, and applicants reported an average income of $136,706. 59% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,021), Portland-Vancouver-Hillsboro, OR-WA (812) and Spokane-Spokane Valley, WA (713) (applications in parentheses).
| Mortgage Company & Address | Banner Bank 10 South 1st Street Walla Walla, WA 99362 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,349 |
| Total Mortgage Loan Application Amount | $3,699,725,000 |
| Average Mortgage Loan Application Amount | $395,734 |
| Highest Mortgage Loan Application Amount | $46,405,000 |
| Average Applicant Income | $136,706 |
| Highest Applicant Income | $3,475,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Banner Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| King, Washington | 725 | $ 372,875,000 | $ 514,310 | $ 198,000 |
| Spokane, Washington | 606 | $ 124,760,000 | $ 205,874 | $ 102,000 |
| San Diego, California | 437 | $ 206,615,000 | $ 472,803 | $ 186,000 |
| Pierce, Washington | 375 | $ 158,955,000 | $ 423,880 | $ 157,000 |
| Yakima, Washington | 340 | $ 57,750,000 | $ 169,852 | $ 104,000 |
| Walla Walla, Washington | 330 | $ 65,120,000 | $ 197,333 | $ 111,000 |
| Whatcom, Washington | 326 | $ 86,820,000 | $ 266,319 | $ 121,000 |
| Lane, Oregon | 309 | $ 52,995,000 | $ 171,504 | $ 89,000 |
| Snohomish, Washington | 296 | $ 113,940,000 | $ 384,932 | $ 166,000 |
| Clark, Washington | 294 | $ 72,310,000 | $ 245,952 | $ 149,000 |
| Los Angeles, California | 293 | $ 433,895,000 | $ 1,480,870 | $ 189,000 |
| Skagit, Washington | 293 | $ 54,325,000 | $ 185,409 | $ 97,000 |
| Jackson, Oregon | 258 | $ 60,140,000 | $ 233,100 | $ 124,000 |
| Coos, Oregon | 232 | $ 36,690,000 | $ 158,146 | $ 91,000 |
| Benton, Washington | 231 | $ 48,775,000 | $ 211,147 | $ 127,000 |
| Chelan, Washington | 227 | $ 65,185,000 | $ 287,158 | $ 143,000 |
| Umatilla, Oregon | 213 | $ 29,455,000 | $ 138,286 | $ 90,000 |
| Washington, Oregon | 166 | $ 43,760,000 | $ 263,614 | $ 144,000 |
| Multnomah, Oregon | 163 | $ 68,935,000 | $ 422,914 | $ 144,000 |
| Ada, Idaho | 157 | $ 32,105,000 | $ 204,490 | $ 129,000 |
| Douglas, Washington | 152 | $ 41,260,000 | $ 271,447 | $ 133,000 |
| Riverside, California | 138 | $ 71,930,000 | $ 521,231 | $ 187,000 |
| Clackamas, Oregon | 138 | $ 38,770,000 | $ 280,942 | $ 165,000 |
| Franklin, Washington | 131 | $ 23,325,000 | $ 178,053 | $ 89,000 |
| Douglas, Oregon | 124 | $ 15,440,000 | $ 124,516 | $ 90,000 |
| Grant, Washington | 121 | $ 22,595,000 | $ 186,735 | $ 105,000 |
| Island, Washington | 109 | $ 26,535,000 | $ 243,440 | $ 111,000 |
| Sacramento, California | 107 | $ 95,745,000 | $ 894,813 | $ 161,000 |
| Stevens, Washington | 107 | $ 16,715,000 | $ 156,214 | $ 97,000 |
| San Bernardino, California | 93 | $ 34,355,000 | $ 369,408 | $ 146,000 |
| Kootenai, Idaho | 87 | $ 20,925,000 | $ 240,517 | $ 111,000 |
| Tehama, California | 79 | $ 8,995,000 | $ 113,860 | $ 123,000 |
| Canyon, Idaho | 75 | $ 14,425,000 | $ 192,333 | $ 70,000 |
| Siskiyou, California | 65 | $ 9,235,000 | $ 142,076 | $ 86,000 |
| Union, Oregon | 63 | $ 10,295,000 | $ 163,412 | $ 96,000 |
| Josephine, Oregon | 53 | $ 11,335,000 | $ 213,867 | $ 99,000 |
| Cowlitz, Washington | 51 | $ 17,085,000 | $ 335,000 | $ 141,000 |
| Bonner, Idaho | 50 | $ 12,750,000 | $ 255,000 | $ 127,000 |
| Orange, California | 47 | $ 42,795,000 | $ 910,531 | $ 242,000 |
| Benewah, Idaho | 40 | $ 4,990,000 | $ 124,750 | $ 72,000 |
| Kitsap, Washington | 38 | $ 12,680,000 | $ 333,684 | $ 210,000 |
| Baker, Oregon | 36 | $ 5,240,000 | $ 145,555 | $ 89,000 |
| Whitman, Washington | 35 | $ 4,295,000 | $ 122,714 | $ 69,000 |
| Marion, Oregon | 34 | $ 11,290,000 | $ 332,058 | $ 97,000 |
| El Dorado, California | 33 | $ 17,165,000 | $ 520,151 | $ 229,000 |
| Nevada, California | 33 | $ 5,635,000 | $ 170,757 | $ 128,000 |
| Nez Perce, Idaho | 33 | $ 4,435,000 | $ 134,393 | $ 142,000 |
| Placer, California | 32 | $ 18,780,000 | $ 586,875 | $ 198,000 |
| Yolo, California | 32 | $ 20,150,000 | $ 629,687 | $ 126,000 |
| Morrow, Oregon | 32 | $ 3,820,000 | $ 119,375 | $ 59,000 |
| Asotin, Washington | 32 | $ 4,690,000 | $ 146,562 | $ 149,000 |
| Kittitas, Washington | 30 | $ 11,620,000 | $ 387,333 | $ 197,000 |
| San Juan, Washington | 30 | $ 8,110,000 | $ 270,333 | $ 98,000 |
| Thurston, Washington | 30 | $ 17,910,000 | $ 597,000 | $ 301,000 |
| Salt Lake, Utah | 29 | $ 82,775,000 | $ 2,854,310 | $ 0 |
| Fresno, California | 28 | $ 81,830,000 | $ 2,922,500 | $ 100,000 |
| Yamhill, Oregon | 28 | $ 21,330,000 | $ 761,785 | $ 138,000 |
| Maricopa, Arizona | 26 | $ 66,580,000 | $ 2,560,769 | $ 0 |
| Latah, Idaho | 26 | $ 4,590,000 | $ 176,538 | $ 102,000 |
| Columbia, Washington | 24 | $ 2,670,000 | $ 111,250 | $ 79,000 |
| Butte, California | 23 | $ 4,445,000 | $ 193,260 | $ 129,000 |
| Shasta, California | 23 | $ 10,025,000 | $ 435,869 | $ 110,000 |
| Deschutes, Oregon | 23 | $ 19,495,000 | $ 847,608 | $ 334,000 |
| Linn, Oregon | 20 | $ 8,160,000 | $ 408,000 | $ 87,000 |
| Lewis, Washington | 19 | $ 4,585,000 | $ 241,315 | $ 101,000 |
| Okanogan, Washington | 19 | $ 4,505,000 | $ 237,105 | $ 115,000 |
| Contra Costa, California | 18 | $ 29,100,000 | $ 1,616,666 | $ 575,000 |
| Lincoln, Washington | 18 | $ 3,720,000 | $ 206,666 | $ 121,000 |
| Denver, Colorado | 16 | $ 52,170,000 | $ 3,260,625 | $ 0 |
| Alameda, California | 15 | $ 26,985,000 | $ 1,799,000 | $ 261,000 |
| San Joaquin, California | 15 | $ 10,845,000 | $ 723,000 | $ 113,000 |
| Pend Oreille, Washington | 15 | $ 3,355,000 | $ 223,666 | $ 122,000 |
| Marin, California | 14 | $ 51,120,000 | $ 3,651,428 | $ 211,000 |
| Klickitat, Washington | 14 | $ 4,740,000 | $ 338,571 | $ 118,000 |
| Columbia, Oregon | 13 | $ 5,755,000 | $ 442,692 | $ 136,000 |
| Lincoln, Oregon | 13 | $ 3,945,000 | $ 303,461 | $ 149,000 |
| Grays Harbor, Washington | 13 | $ 2,805,000 | $ 215,769 | $ 78,000 |
| Twin Falls, Idaho | 12 | $ 2,660,000 | $ 221,666 | $ 126,000 |
| Utah, Utah | 12 | $ 26,860,000 | $ 2,238,333 | $ 0 |
| Mason, Washington | 12 | $ 3,640,000 | $ 303,333 | $ 282,000 |
| Jefferson, Colorado | 11 | $ 24,315,000 | $ 2,210,454 | $ 0 |
| Ferry, Washington | 11 | $ 1,425,000 | $ 129,545 | $ 88,000 |
| Solano, California | 10 | $ 33,370,000 | $ 3,337,000 | $ 271,000 |
| Curry, Oregon | 10 | $ 2,150,000 | $ 215,000 | $ 104,000 |
| Klamath, Oregon | 10 | $ 1,540,000 | $ 154,000 | $ 75,000 |
| Skamania, Washington | 10 | $ 3,790,000 | $ 379,000 | $ 107,000 |
| Arapahoe, Colorado | 9 | $ 23,615,000 | $ 2,623,888 | $ 0 |
| Clearwater, Idaho | 9 | $ 1,215,000 | $ 135,000 | $ 201,000 |
| Jefferson, Washington | 9 | $ 3,685,000 | $ 409,444 | $ 134,000 |
| Sutter, California | 8 | $ 15,260,000 | $ 1,907,500 | $ 108,000 |
| Valley, Idaho | 8 | $ 2,090,000 | $ 261,250 | $ 183,000 |
| Polk, Oregon | 8 | $ 1,900,000 | $ 237,500 | $ 226,000 |
| Pima, Arizona | 7 | $ 12,695,000 | $ 1,813,571 | $ 0 |
| Tillamook, Oregon | 7 | $ 1,645,000 | $ 235,000 | $ 175,000 |
| Adams, Washington | 7 | $ 1,775,000 | $ 253,571 | $ 123,000 |
| Pacific, Washington | 7 | $ 2,205,000 | $ 315,000 | $ 184,000 |
| Kern, California | 6 | $ 11,890,000 | $ 1,981,666 | $ 184,000 |
| Adams, Colorado | 6 | $ 20,070,000 | $ 3,345,000 | $ 0 |
| Boise, Idaho | 6 | $ 1,450,000 | $ 241,666 | $ 141,000 |
| Weber, Utah | 6 | $ 16,250,000 | $ 2,708,333 | $ 0 |
| Clallam, Washington | 6 | $ 1,580,000 | $ 263,333 | $ 174,000 |
| Madera, California | 5 | $ 1,385,000 | $ 277,000 | $ 82,000 |
| San Francisco, California | 5 | $ 6,285,000 | $ 1,257,000 | $ 399,000 |
| San Luis Obispo, California | 5 | $ 1,365,000 | $ 273,000 | $ 253,000 |
| Stanislaus, California | 5 | $ 6,725,000 | $ 1,345,000 | $ 234,000 |
| Yuba, California | 5 | $ 865,000 | $ 173,000 | $ 140,000 |
| Clatsop, Oregon | 5 | $ 1,085,000 | $ 217,000 | $ 82,000 |
| Glenn, California | 4 | $ 1,240,000 | $ 310,000 | $ 106,000 |
| Monterey, California | 4 | $ 3,310,000 | $ 827,500 | $ 298,000 |
| San Mateo, California | 4 | $ 6,110,000 | $ 1,527,500 | $ 110,000 |
| El Paso, Colorado | 4 | $ 16,820,000 | $ 4,205,000 | $ 0 |
| Gem, Idaho | 4 | $ 650,000 | $ 162,500 | $ 52,000 |
| Shoshone, Idaho | 4 | $ 580,000 | $ 145,000 | $ 115,000 |
| Santa Clara, California | 3 | $ 10,865,000 | $ 3,621,666 | $ 158,000 |
| Ventura, California | 3 | $ 785,000 | $ 261,666 | $ 140,000 |
| Adams, Idaho | 3 | $ 265,000 | $ 88,333 | $ 108,000 |
| Boundary, Idaho | 3 | $ 575,000 | $ 191,666 | $ 42,000 |
| Elmore, Idaho | 3 | $ 675,000 | $ 225,000 | $ 54,000 |
| Idaho, Idaho | 3 | $ 255,000 | $ 85,000 | $ 145,000 |
| Washoe, Nevada | 3 | $ 6,115,000 | $ 2,038,333 | $ 0 |
| Benton, Oregon | 3 | $ 1,025,000 | $ 341,666 | $ 155,000 |
| Hood River, Oregon | 3 | $ 1,655,000 | $ 551,666 | $ 136,000 |
| Lake, Oregon | 3 | $ 615,000 | $ 205,000 | $ 216,000 |
| Wallowa, Oregon | 3 | $ 515,000 | $ 171,666 | $ 141,000 |
| Lake, California | 2 | $ 800,000 | $ 400,000 | $ 92,000 |
| Plumas, California | 2 | $ 860,000 | $ 430,000 | $ 338,000 |
| Santa Barbara, California | 2 | $ 1,880,000 | $ 940,000 | $ 23,000 |
| Sonoma, California | 2 | $ 3,770,000 | $ 1,885,000 | $ 142,000 |
| Jerome, Idaho | 2 | $ 100,000 | $ 50,000 | $ 53,000 |
| Minidoka, Idaho | 2 | $ 1,460,000 | $ 730,000 | $ 273,000 |
| Washington, Idaho | 2 | $ 170,000 | $ 85,000 | $ 42,000 |
| Yuma, Arizona | 1 | $ 5,000 | $ 5,000 | $ 56,000 |
| Amador, California | 1 | $ 485,000 | $ 485,000 | $ 81,000 |
| Calaveras, California | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Colusa, California | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Del Norte, California | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Humboldt, California | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Imperial, California | 1 | $ 13,245,000 | $ 13,245,000 | $ 0 |
| Modoc, California | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Napa, California | 1 | $ 2,115,000 | $ 2,115,000 | $ 0 |
| Sierra, California | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Boulder, Colorado | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Larimer, Colorado | 1 | $ 2,335,000 | $ 2,335,000 | $ 0 |
| Bannock, Idaho | 1 | $ 285,000 | $ 285,000 | $ 62,000 |
| Blaine, Idaho | 1 | $ 505,000 | $ 505,000 | $ 1,714,000 |
| Cassia, Idaho | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Lewis, Idaho | 1 | $ 205,000 | $ 205,000 | $ 37,000 |
| Owyhee, Idaho | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Payette, Idaho | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Crook, Oregon | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Gilliam, Oregon | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| Malheur, Oregon | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Wasco, Oregon | 1 | $ 605,000 | $ 605,000 | $ 545,000 |
| Davis, Utah | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Garfield, Washington | 1 | $ 455,000 | $ 455,000 | $ 82,000 |
| Wahkiakum, Washington | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Banner Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,621 | $1,893,685,000 | $522,000 | $46,405,000 | $135,000 | $1,600,000 |
| Home Improvement | 2,169 | $225,345,000 | $103,000 | $8,505,000 | $142,000 | $3,340,000 |
| Cash-out Refinancing | 1,416 | $397,480,000 | $280,000 | $2,665,000 | $123,000 | $3,475,000 |
| Refinancing | 1,014 | $1,085,140,000 | $1,070,000 | $22,005,000 | $169,000 | $2,507,000 |
| Other Purpose | 970 | $97,030,000 | $100,000 | $1,055,000 | $134,000 | $1,714,000 |
| Not Applicable | 159 | $1,045,000 | $6,000 | $175,000 | $36,000 | $88,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,808 | $1,325,630,000 | $228,000 | $2,575,000 | $136,000 | $3,475,000 |
| Not Provided | 1,550 | $572,830,000 | $369,000 | $15,505,000 | $168,000 | $2,239,000 |
| Hispanic | 775 | $147,005,000 | $189,000 | $1,325,000 | $101,000 | $2,507,000 |
| Not applicable | 751 | $1,524,115,000 | $2,029,000 | $46,405,000 | $39,000 | $88,000 |
| Asian | 205 | $77,965,000 | $380,000 | $3,505,000 | $161,000 | $987,000 |
| Black or African American | 89 | $21,475,000 | $241,000 | $2,185,000 | $121,000 | $487,000 |
| American Indian or Alaskan Native | 59 | $11,785,000 | $199,000 | $1,245,000 | $121,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,450,000 | $145,000 | $365,000 | $133,000 | $300,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,701 | $3,521,365,000 | $404,000 | $46,405,000 | $139,000 | $3,475,000 |
| FHA-insured (Federal Housing Administration) | 356 | $89,350,000 | $250,000 | $615,000 | $74,000 | $249,000 |
| VA-guaranteed (Veterans Administration) | 255 | $81,015,000 | $317,000 | $785,000 | $99,000 | $344,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $7,995,000 | $216,000 | $465,000 | $58,000 | $88,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,559 | $1,895,155,000 | $340,000 | $46,405,000 | $146,000 | $3,340,000 |
| Application Denied By Financial Institution | 2,240 | $1,398,620,000 | $624,000 | $22,005,000 | $114,000 | $1,600,000 |
| Application Withdrawn By Applicant | 1,016 | $304,870,000 | $300,000 | $2,005,000 | $139,000 | $3,475,000 |
| Loan Purchased By The Institution | 298 | $2,390,000 | $8,000 | $175,000 | $39,000 | $88,000 |
| Application Approved But Not Accepted | 135 | $65,375,000 | $484,000 | $9,005,000 | $155,000 | $1,728,000 |
| File Closed For Incompleteness | 101 | $33,315,000 | $329,000 | $1,505,000 | $163,000 | $1,419,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,109 | $2,301,105,000 | $323,000 | $46,405,000 | $141,000 | $3,475,000 |
| Collateral | 822 | $1,166,530,000 | $1,419,000 | $22,005,000 | $154,000 | $1,600,000 |
| Debt-To-Income Ratio | 666 | $125,570,000 | $188,000 | $2,665,000 | $88,000 | $928,000 |
| Credit History | 635 | $79,285,000 | $124,000 | $2,285,000 | $106,000 | $1,073,000 |
| Other | 69 | $19,335,000 | $280,000 | $4,155,000 | $145,000 | $1,139,000 |
| Unverifiable Information | 26 | $3,840,000 | $147,000 | $485,000 | $195,000 | $1,400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,360,000 | $236,000 | $455,000 | $61,000 | $90,000 |
| Employment History | 8 | $910,000 | $113,000 | $355,000 | $118,000 | $305,000 |
| Credit Application Incomplete | 4 | $790,000 | $197,000 | $355,000 | $244,000 | $389,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Banner Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Banner Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Washington, download the full spreadsheet
with aggregated HMDA statistics today.
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