Banner Bank Mortgage Lending & HMDA Data, 2020

In 2020, Banner Bank of Walla Walla, WA reported 11,881 mortgage applications totaling $4.1 billion, up 27% from 2019. The average application was for $344,813, and applicants reported an average income of $144,849. 62% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,336), Portland-Vancouver-Hillsboro, OR-WA (1,247) and Spokane-Spokane Valley, WA (1,005) (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 11,881
Total Mortgage Loan Application Amount $4,096,725,000
Average Mortgage Loan Application Amount $344,813
Highest Mortgage Loan Application Amount $21,415,000
Average Applicant Income $144,849
Highest Applicant Income $3,960,000

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Act (HMDA) records Banner Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Banner Bank by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
King, Washington 929 $ 323,815,000 $ 348,562 $ 215,000
Spokane, Washington 880 $ 200,650,000 $ 228,011 $ 113,000
San Diego, California 496 $ 211,680,000 $ 426,774 $ 206,000
Pierce, Washington 467 $ 174,615,000 $ 373,907 $ 150,000
Whatcom, Washington 454 $ 127,450,000 $ 280,726 $ 116,000
Walla Walla, Washington 418 $ 90,360,000 $ 216,172 $ 117,000
Snohomish, Washington 407 $ 119,085,000 $ 292,592 $ 173,000
Yakima, Washington 400 $ 85,000,000 $ 212,500 $ 109,000
Lane, Oregon 375 $ 77,215,000 $ 205,906 $ 96,000
Skagit, Washington 373 $ 87,695,000 $ 235,107 $ 123,000
Clark, Washington 351 $ 114,095,000 $ 325,056 $ 150,000
Chelan, Washington 307 $ 96,355,000 $ 313,859 $ 152,000
Coos, Oregon 295 $ 57,955,000 $ 196,457 $ 92,000
Washington, Oregon 295 $ 78,295,000 $ 265,406 $ 196,000
Jackson, Oregon 290 $ 94,050,000 $ 324,310 $ 123,000
Multnomah, Oregon 264 $ 136,400,000 $ 516,666 $ 172,000
Benton, Washington 254 $ 75,430,000 $ 296,968 $ 149,000
Clackamas, Oregon 252 $ 101,240,000 $ 401,746 $ 197,000
Los Angeles, California 238 $ 171,060,000 $ 718,739 $ 191,000
Umatilla, Oregon 221 $ 41,485,000 $ 187,714 $ 102,000
Ada, Idaho 206 $ 45,650,000 $ 221,601 $ 134,000
Douglas, Washington 184 $ 65,960,000 $ 358,478 $ 134,000
San Bernardino, California 174 $ 27,740,000 $ 159,425 $ 166,000
Riverside, California 164 $ 54,970,000 $ 335,182 $ 149,000
Franklin, Washington 158 $ 31,760,000 $ 201,012 $ 83,000
Sacramento, California 157 $ 100,845,000 $ 642,324 $ 134,000
Grant, Washington 148 $ 31,470,000 $ 212,635 $ 142,000
Island, Washington 134 $ 37,490,000 $ 279,776 $ 143,000
Stevens, Washington 125 $ 24,245,000 $ 193,960 $ 102,000
Kootenai, Idaho 120 $ 34,910,000 $ 290,916 $ 123,000
Douglas, Oregon 118 $ 19,110,000 $ 161,949 $ 103,000
Siskiyou, California 103 $ 13,515,000 $ 131,213 $ 88,000
Union, Oregon 95 $ 14,695,000 $ 154,684 $ 93,000
Tehama, California 84 $ 14,010,000 $ 166,785 $ 112,000
Cowlitz, Washington 72 $ 24,740,000 $ 343,611 $ 152,000
Kitsap, Washington 72 $ 20,290,000 $ 281,805 $ 171,000
Canyon, Idaho 69 $ 14,745,000 $ 213,695 $ 85,000
Josephine, Oregon 67 $ 15,425,000 $ 230,223 $ 107,000
Bonner, Idaho 57 $ 15,685,000 $ 275,175 $ 160,000
Thurston, Washington 56 $ 14,780,000 $ 263,928 $ 167,000
Whitman, Washington 56 $ 9,210,000 $ 164,464 $ 105,000
Baker, Oregon 55 $ 8,725,000 $ 158,636 $ 79,000
San Juan, Washington 50 $ 16,900,000 $ 338,000 $ 196,000
Yamhill, Oregon 49 $ 13,855,000 $ 282,755 $ 206,000
Kittitas, Washington 47 $ 15,555,000 $ 330,957 $ 259,000
Deschutes, Oregon 45 $ 14,265,000 $ 317,000 $ 202,000
Morrow, Oregon 45 $ 7,125,000 $ 158,333 $ 77,000
Nevada, California 42 $ 19,830,000 $ 472,142 $ 166,000
Placer, California 42 $ 16,380,000 $ 390,000 $ 163,000
Benewah, Idaho 42 $ 5,970,000 $ 142,142 $ 92,000
Butte, California 39 $ 8,915,000 $ 228,589 $ 159,000
Shasta, California 38 $ 10,950,000 $ 288,157 $ 152,000
Salt Lake, Utah 37 $ 141,465,000 $ 3,823,378 $ 0
Nez Perce, Idaho 36 $ 7,500,000 $ 208,333 $ 97,000
Latah, Idaho 35 $ 7,755,000 $ 221,571 $ 99,000
Asotin, Washington 33 $ 5,115,000 $ 155,000 $ 99,000
El Dorado, California 29 $ 8,995,000 $ 310,172 $ 224,000
Lincoln, Washington 29 $ 5,535,000 $ 190,862 $ 79,000
Yolo, California 28 $ 9,840,000 $ 351,428 $ 152,000
Orange, California 27 $ 25,055,000 $ 927,962 $ 257,000
Okanogan, Washington 27 $ 7,145,000 $ 264,629 $ 136,000
Lewis, Washington 24 $ 6,850,000 $ 285,416 $ 144,000
Fresno, California 23 $ 47,915,000 $ 2,083,260 $ 113,000
Clearwater, Idaho 20 $ 1,240,000 $ 62,000 $ 73,000
Marion, Oregon 20 $ 18,190,000 $ 909,500 $ 145,000
Columbia, Oregon 19 $ 6,015,000 $ 316,578 $ 112,000
Pend Oreille, Washington 19 $ 4,625,000 $ 243,421 $ 207,000
Grays Harbor, Washington 17 $ 4,325,000 $ 254,411 $ 127,000
Skamania, Washington 17 $ 5,255,000 $ 309,117 $ 120,000
Maricopa, Arizona 16 $ 48,030,000 $ 3,001,875 $ 0
Klamath, Oregon 16 $ 3,140,000 $ 196,250 $ 86,000
Klickitat, Washington 16 $ 5,260,000 $ 328,750 $ 125,000
Adams, Colorado 15 $ 36,585,000 $ 2,439,000 $ 0
Valley, Idaho 15 $ 5,035,000 $ 335,666 $ 588,000
Tillamook, Oregon 15 $ 4,895,000 $ 326,333 $ 189,000
Alameda, California 14 $ 37,650,000 $ 2,689,285 $ 233,000
Kern, California 14 $ 24,100,000 $ 1,721,428 $ 159,000
El Paso, Colorado 13 $ 37,455,000 $ 2,881,153 $ 0
Columbia, Washington 13 $ 1,365,000 $ 105,000 $ 87,000
Santa Clara, California 12 $ 18,250,000 $ 1,520,833 $ 153,000
Contra Costa, California 11 $ 12,215,000 $ 1,110,454 $ 182,000
Yuba, California 11 $ 1,685,000 $ 153,181 $ 94,000
Curry, Oregon 11 $ 3,345,000 $ 304,090 $ 100,000
Lincoln, Oregon 11 $ 4,605,000 $ 418,636 $ 185,000
Adams, Washington 11 $ 3,505,000 $ 318,636 $ 95,000
San Francisco, California 10 $ 11,770,000 $ 1,177,000 $ 133,000
San Joaquin, California 10 $ 27,280,000 $ 2,728,000 $ 137,000
Benton, Oregon 10 $ 2,710,000 $ 271,000 $ 108,000
Clatsop, Oregon 10 $ 2,820,000 $ 282,000 $ 184,000
Linn, Oregon 10 $ 7,560,000 $ 756,000 $ 99,000
Jefferson, Washington 10 $ 3,150,000 $ 315,000 $ 137,000
Madera, California 9 $ 10,315,000 $ 1,146,111 $ 54,000
Marin, California 9 $ 25,795,000 $ 2,866,111 $ 637,000
Jefferson, Colorado 9 $ 30,755,000 $ 3,417,222 $ 0
Boise, Idaho 9 $ 3,165,000 $ 351,666 $ 156,000
Wasco, Oregon 9 $ 3,005,000 $ 333,888 $ 187,000
Utah, Utah 9 $ 29,695,000 $ 3,299,444 $ 0
Clallam, Washington 9 $ 2,725,000 $ 302,777 $ 182,000
Solano, California 8 $ 1,470,000 $ 183,750 $ 117,000
Sonoma, California 8 $ 1,880,000 $ 235,000 $ 156,000
Arapahoe, Colorado 8 $ 23,650,000 $ 2,956,250 $ 0
Crook, Oregon 8 $ 4,150,000 $ 518,750 $ 214,000
Mason, Washington 8 $ 2,300,000 $ 287,500 $ 97,000
Glenn, California 7 $ 2,175,000 $ 310,714 $ 149,000
San Mateo, California 7 $ 5,995,000 $ 856,428 $ 290,000
Denver, Colorado 7 $ 20,965,000 $ 2,995,000 $ 0
Shoshone, Idaho 7 $ 1,375,000 $ 196,428 $ 86,000
Twin Falls, Idaho 7 $ 1,495,000 $ 213,571 $ 212,000
Polk, Oregon 7 $ 2,195,000 $ 313,571 $ 151,000
Ferry, Washington 7 $ 1,435,000 $ 205,000 $ 91,000
Pacific, Washington 7 $ 1,325,000 $ 189,285 $ 97,000
Amador, California 6 $ 2,510,000 $ 418,333 $ 182,000
Boundary, Idaho 6 $ 1,440,000 $ 240,000 $ 78,000
Gem, Idaho 6 $ 1,260,000 $ 210,000 $ 77,000
Payette, Idaho 6 $ 1,810,000 $ 301,666 $ 56,000
Sutter, California 5 $ 4,255,000 $ 851,000 $ 193,000
Wallowa, Oregon 5 $ 955,000 $ 191,000 $ 76,000
Wahkiakum, Washington 5 $ 1,485,000 $ 297,000 $ 75,000
Stanislaus, California 4 $ 2,050,000 $ 512,500 $ 83,000
Washington, Idaho 4 $ 1,340,000 $ 335,000 $ 103,000
Jefferson, Oregon 4 $ 1,170,000 $ 292,500 $ 84,000
Weber, Utah 4 $ 5,850,000 $ 1,462,500 $ 0
Garfield, Washington 4 $ 590,000 $ 147,500 $ 82,000
Pima, Arizona 3 $ 6,355,000 $ 2,118,333 $ 0
Monterey, California 3 $ 1,555,000 $ 518,333 $ 277,000
Napa, California 3 $ 3,215,000 $ 1,071,666 $ 149,000
San Luis Obispo, California 3 $ 1,405,000 $ 468,333 $ 111,000
Ventura, California 3 $ 965,000 $ 321,666 $ 202,000
Weld, Colorado 3 $ 5,725,000 $ 1,908,333 $ 0
Gilliam, Oregon 3 $ 555,000 $ 185,000 $ 67,000
Davis, Utah 3 $ 3,845,000 $ 1,281,666 $ 0
Del Norte, California 2 $ 370,000 $ 185,000 $ 112,000
Imperial, California 2 $ 10,800,000 $ 5,400,000 $ 90,000
Plumas, California 2 $ 730,000 $ 365,000 $ 167,000
Bannock, Idaho 2 $ 160,000 $ 80,000 $ 120,000
Blaine, Idaho 2 $ 600,000 $ 300,000 $ 103,000
Lewis, Idaho 2 $ 100,000 $ 50,000 $ 22,000
Grant, Oregon 2 $ 290,000 $ 145,000 $ 190,000
Hood River, Oregon 2 $ 500,000 $ 250,000 $ 96,000
Lake, Oregon 2 $ 390,000 $ 195,000 $ 190,000
Malheur, Oregon 2 $ 620,000 $ 310,000 $ 79,000
Wheeler, Oregon 2 $ 380,000 $ 190,000 $ 139,000
Mohave, Arizona 1 $ 265,000 $ 265,000 $ 194,000
Calaveras, California 1 $ 265,000 $ 265,000 $ 84,000
Colusa, California 1 $ 435,000 $ 435,000 $ 137,000
Inyo, California 1 $ 245,000 $ 245,000 $ 128,000
Lake, California 1 $ 95,000 $ 95,000 $ 307,000
Mendocino, California 1 $ 415,000 $ 415,000 $ 270,000
Santa Cruz, California 1 $ 585,000 $ 585,000 $ 129,000
Tulare, California 1 $ 3,325,000 $ 3,325,000 $ 0
Adams, Idaho 1 $ 35,000 $ 35,000 $ 30,000
Bingham, Idaho 1 $ 455,000 $ 455,000 $ 395,000
Bonneville, Idaho 1 $ 315,000 $ 315,000 $ 72,000
Custer, Idaho 1 $ 135,000 $ 135,000 $ 150,000
Elmore, Idaho 1 $ 195,000 $ 195,000 $ 161,000
Idaho, Idaho 1 $ 25,000 $ 25,000 $ 46,000
Jefferson, Idaho 1 $ 475,000 $ 475,000 $ 151,000
Jerome, Idaho 1 $ 35,000 $ 35,000 $ 48,000
Lincoln, Idaho 1 $ 165,000 $ 165,000 $ 174,000
Owyhee, Idaho 1 $ 145,000 $ 145,000 $ 59,000
Lincoln, Montana 1 $ 285,000 $ 285,000 $ 60,000
Brunswick, North Carolina 1 $ 5,000 $ 5,000 $ 68,000
Harney, Oregon 1 $ 215,000 $ 215,000 $ 85,000

Mortgage Loan Application Detail Totals for Banner Bank in 2020

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 4,277 $1,879,525,000 $439,000 $21,415,000 $138,000 $3,488,000
Cash-out Refinancing 2,811 $780,525,000 $277,000 $3,915,000 $127,000 $3,960,000
Home Improvement 2,032 $274,100,000 $134,000 $17,315,000 $167,000 $3,300,000
Refinancing 1,843 $1,047,685,000 $568,000 $18,505,000 $156,000 $3,308,000
Other Purpose 918 $114,890,000 $125,000 $705,000 $160,000 $3,488,000
Not Applicable 0 $0 $0 $0 $0 $0

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 7,891 $2,030,965,000 $257,000 $4,605,000 $147,000 $3,960,000
Not Provided 1,820 $625,140,000 $343,000 $12,555,000 $176,000 $2,631,000
Hispanic 852 $184,100,000 $216,000 $1,495,000 $99,000 $1,165,000
Not applicable 681 $1,081,475,000 $1,588,000 $21,415,000 $52,000 $147,000
Asian 317 $102,825,000 $324,000 $2,445,000 $152,000 $1,102,000
Black or African American 117 $30,195,000 $258,000 $1,055,000 $131,000 $1,177,000
American Indian or Alaskan Native 81 $18,115,000 $223,000 $715,000 $111,000 $604,000
Native Hawaiian or Other Pacific Islander 28 $7,700,000 $275,000 $845,000 $128,000 $1,067,000

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) 11,323 $3,928,735,000 $346,000 $21,415,000 $147,000 $3,960,000
FHA-insured (Federal Housing Administration) 280 $78,300,000 $279,000 $945,000 $77,000 $333,000
VA-guaranteed (Veterans Administration) 231 $78,605,000 $340,000 $1,205,000 $101,000 $395,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 47 $11,085,000 $235,000 $445,000 $61,000 $114,000

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 7,356 $2,292,290,000 $311,000 $21,415,000 $149,000 $3,488,000
Application Denied By Financial Institution 2,009 $1,048,095,000 $521,000 $18,505,000 $134,000 $3,488,000
Application Withdrawn By Applicant 1,677 $537,805,000 $320,000 $2,885,000 $151,000 $3,960,000
Loan Purchased By The Institution 331 $3,395,000 $10,000 $375,000 $52,000 $147,000
Application Approved But Not Accepted 326 $159,240,000 $488,000 $11,095,000 $172,000 $1,224,000
File Closed For Incompleteness 182 $55,900,000 $307,000 $1,405,000 $145,000 $840,000
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 9,872 $3,048,630,000 $308,000 $21,415,000 $147,000 $3,960,000
Debt-To-Income Ratio 689 $151,515,000 $219,000 $2,445,000 $97,000 $1,531,000
Collateral 640 $755,040,000 $1,179,000 $18,505,000 $204,000 $3,488,000
Credit History 477 $86,125,000 $180,000 $7,505,000 $123,000 $1,270,000
Other 99 $23,825,000 $240,000 $1,205,000 $140,000 $1,115,000
Unverifiable Information 64 $19,850,000 $310,000 $1,465,000 $168,000 $700,000
Insufficient Cash (Downpayment, Closing Cost) 19 $6,055,000 $318,000 $1,055,000 $103,000 $325,000
Employment History 14 $3,960,000 $282,000 $625,000 $71,000 $164,000
Credit Application Incomplete 7 $1,725,000 $246,000 $355,000 $257,000 $644,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Banner Bank's 2020 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.
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