Banner Bank Mortgage Lending & HMDA Data, 2021

In 2021, Banner Bank of Walla Walla, WA reported 10,747 mortgage applications totaling $4.3 billion, down 10% from 2020. The average application was for $403,619, and applicants reported an average income of $152,415. 60% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,372), Portland-Vancouver-Hillsboro, OR-WA (1,193) and Spokane-Spokane Valley, WA (916) (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 10,747
Total Mortgage Loan Application Amount $4,337,695,000
Average Mortgage Loan Application Amount $403,619
Highest Mortgage Loan Application Amount $42,515,000
Average Applicant Income $152,415
Highest Applicant Income $7,094,000

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Act (HMDA) records Banner Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
King, Washington 983 $ 449,965,000 $ 457,746 $ 219,000
Spokane, Washington 779 $ 180,855,000 $ 232,163 $ 108,000
Pierce, Washington 440 $ 174,770,000 $ 397,204 $ 151,000
San Diego, California 426 $ 171,340,000 $ 402,206 $ 242,000
Clark, Washington 397 $ 140,595,000 $ 354,143 $ 171,000
Snohomish, Washington 389 $ 127,195,000 $ 326,979 $ 177,000
Whatcom, Washington 385 $ 142,195,000 $ 369,337 $ 117,000
Yakima, Washington 346 $ 86,120,000 $ 248,901 $ 110,000
Lane, Oregon 312 $ 75,920,000 $ 243,333 $ 102,000
Skagit, Washington 307 $ 87,445,000 $ 284,837 $ 124,000
Walla Walla, Washington 282 $ 74,220,000 $ 263,191 $ 120,000
Chelan, Washington 275 $ 117,585,000 $ 427,581 $ 182,000
Jackson, Oregon 262 $ 144,680,000 $ 552,213 $ 121,000
Multnomah, Oregon 244 $ 141,090,000 $ 578,237 $ 158,000
Washington, Oregon 242 $ 84,810,000 $ 350,454 $ 177,000
Los Angeles, California 236 $ 242,830,000 $ 1,028,940 $ 186,000
Coos, Oregon 228 $ 48,880,000 $ 214,385 $ 106,000
Clackamas, Oregon 222 $ 112,400,000 $ 506,306 $ 205,000
Umatilla, Oregon 205 $ 40,065,000 $ 195,439 $ 96,000
Benton, Washington 196 $ 50,850,000 $ 259,438 $ 112,000
Riverside, California 187 $ 73,685,000 $ 394,037 $ 193,000
Ada, Idaho 161 $ 40,475,000 $ 251,397 $ 125,000
Grant, Washington 147 $ 47,335,000 $ 322,006 $ 126,000
Douglas, Washington 145 $ 46,375,000 $ 319,827 $ 124,000
Stevens, Washington 137 $ 29,325,000 $ 214,051 $ 114,000
San Bernardino, California 133 $ 66,895,000 $ 502,969 $ 135,000
Kootenai, Idaho 130 $ 41,770,000 $ 321,307 $ 137,000
Franklin, Washington 130 $ 32,430,000 $ 249,461 $ 96,000
Sacramento, California 114 $ 56,680,000 $ 497,192 $ 161,000
Douglas, Oregon 103 $ 21,605,000 $ 209,757 $ 96,000
Josephine, Oregon 100 $ 29,900,000 $ 299,000 $ 137,000
Island, Washington 90 $ 25,570,000 $ 284,111 $ 120,000
San Juan, Washington 89 $ 35,465,000 $ 398,483 $ 238,000
Union, Oregon 74 $ 14,840,000 $ 200,540 $ 98,000
Tehama, California 71 $ 13,975,000 $ 196,830 $ 134,000
Siskiyou, California 70 $ 9,640,000 $ 137,714 $ 90,000
Cowlitz, Washington 68 $ 25,830,000 $ 379,852 $ 137,000
Bonner, Idaho 65 $ 26,035,000 $ 400,538 $ 185,000
Kitsap, Washington 61 $ 62,485,000 $ 1,024,344 $ 205,000
Thurston, Washington 57 $ 21,825,000 $ 382,894 $ 232,000
Whitman, Washington 49 $ 9,465,000 $ 193,163 $ 100,000
Canyon, Idaho 48 $ 28,130,000 $ 586,041 $ 121,000
Kittitas, Washington 46 $ 16,210,000 $ 352,391 $ 160,000
Yamhill, Oregon 45 $ 28,795,000 $ 639,888 $ 146,000
Baker, Oregon 44 $ 8,260,000 $ 187,727 $ 130,000
Deschutes, Oregon 43 $ 41,095,000 $ 955,697 $ 237,000
Butte, California 42 $ 43,160,000 $ 1,027,619 $ 161,000
Latah, Idaho 41 $ 10,815,000 $ 263,780 $ 122,000
El Dorado, California 40 $ 17,590,000 $ 439,750 $ 240,000
Placer, California 40 $ 37,450,000 $ 936,250 $ 293,000
Shasta, California 40 $ 15,510,000 $ 387,750 $ 188,000
Benewah, Idaho 40 $ 7,910,000 $ 197,750 $ 80,000
Nez Perce, Idaho 39 $ 8,365,000 $ 214,487 $ 128,000
Marion, Oregon 37 $ 14,795,000 $ 399,864 $ 120,000
Mason, Washington 35 $ 12,365,000 $ 353,285 $ 132,000
Linn, Oregon 32 $ 15,020,000 $ 469,375 $ 158,000
Morrow, Oregon 31 $ 4,615,000 $ 148,870 $ 76,000
Lewis, Washington 28 $ 9,470,000 $ 338,214 $ 88,000
Asotin, Washington 27 $ 4,445,000 $ 164,629 $ 68,000
Nevada, California 26 $ 10,890,000 $ 418,846 $ 198,000
Tillamook, Oregon 26 $ 9,460,000 $ 363,846 $ 189,000
Okanogan, Washington 26 $ 7,280,000 $ 280,000 $ 108,000
Orange, California 25 $ 9,995,000 $ 399,800 $ 246,000
Columbia, Oregon 25 $ 8,795,000 $ 351,800 $ 159,000
Lincoln, Washington 24 $ 6,450,000 $ 268,750 $ 210,000
Pend Oreille, Washington 24 $ 6,490,000 $ 270,416 $ 101,000
Grays Harbor, Washington 20 $ 4,740,000 $ 237,000 $ 155,000
Yolo, California 19 $ 9,025,000 $ 475,000 $ 191,000
Skamania, Washington 18 $ 7,730,000 $ 429,444 $ 167,000
Klamath, Oregon 16 $ 4,010,000 $ 250,625 $ 102,000
Salt Lake, Utah 14 $ 57,890,000 $ 4,135,000 $ 0
Klickitat, Washington 14 $ 5,030,000 $ 359,285 $ 95,000
Maricopa, Arizona 13 $ 31,445,000 $ 2,418,846 $ 0
Contra Costa, California 13 $ 9,475,000 $ 728,846 $ 348,000
Polk, Oregon 13 $ 13,015,000 $ 1,001,153 $ 112,000
Valley, Idaho 12 $ 4,520,000 $ 376,666 $ 211,000
Clatsop, Oregon 12 $ 4,360,000 $ 363,333 $ 146,000
Curry, Oregon 12 $ 3,750,000 $ 312,500 $ 146,000
Twin Falls, Idaho 11 $ 2,295,000 $ 208,636 $ 141,000
Columbia, Washington 11 $ 2,125,000 $ 193,181 $ 121,000
Ferry, Washington 11 $ 2,565,000 $ 233,181 $ 93,000
Alameda, California 10 $ 15,410,000 $ 1,541,000 $ 312,000
Fresno, California 10 $ 45,710,000 $ 4,571,000 $ 197,000
El Paso, Colorado 10 $ 21,390,000 $ 2,139,000 $ 0
Solano, California 9 $ 6,145,000 $ 682,777 $ 166,000
Sonoma, California 9 $ 56,945,000 $ 6,327,222 $ 182,000
Ventura, California 9 $ 4,335,000 $ 481,666 $ 132,000
Boundary, Idaho 9 $ 2,465,000 $ 273,888 $ 64,000
Lincoln, Oregon 9 $ 3,255,000 $ 361,666 $ 167,000
Clallam, Washington 9 $ 2,295,000 $ 255,000 $ 197,000
San Francisco, California 8 $ 15,050,000 $ 1,881,250 $ 221,000
Yuba, California 8 $ 1,950,000 $ 243,750 $ 194,000
Shoshone, Idaho 8 $ 2,270,000 $ 283,750 $ 180,000
Kern, California 7 $ 11,985,000 $ 1,712,142 $ 288,000
Arapahoe, Colorado 7 $ 18,575,000 $ 2,653,571 $ 0
Clearwater, Idaho 7 $ 705,000 $ 100,714 $ 115,000
Adams, Washington 7 $ 2,455,000 $ 350,714 $ 117,000
San Joaquin, California 6 $ 9,670,000 $ 1,611,666 $ 94,000
Gem, Idaho 6 $ 1,770,000 $ 295,000 $ 75,000
Hood River, Oregon 6 $ 2,950,000 $ 491,666 $ 266,000
Wallowa, Oregon 6 $ 2,510,000 $ 418,333 $ 200,000
Amador, California 5 $ 1,825,000 $ 365,000 $ 149,000
Glenn, California 5 $ 1,265,000 $ 253,000 $ 145,000
Sutter, California 5 $ 2,155,000 $ 431,000 $ 124,000
Adams, Colorado 5 $ 10,105,000 $ 2,021,000 $ 0
Denver, Colorado 5 $ 7,185,000 $ 1,437,000 $ 0
Jefferson, Colorado 5 $ 14,845,000 $ 2,969,000 $ 0
Crook, Oregon 5 $ 2,375,000 $ 475,000 $ 139,000
Utah, Utah 5 $ 8,125,000 $ 1,625,000 $ 0
Weber, Utah 5 $ 9,105,000 $ 1,821,000 $ 0
Pima, Arizona 4 $ 7,120,000 $ 1,780,000 $ 0
Boise, Idaho 4 $ 1,260,000 $ 315,000 $ 173,000
Elmore, Idaho 4 $ 1,290,000 $ 322,500 $ 119,000
Jerome, Idaho 4 $ 1,650,000 $ 412,500 $ 156,000
Jefferson, Washington 4 $ 1,140,000 $ 285,000 $ 118,000
Pacific, Washington 4 $ 680,000 $ 170,000 $ 90,000
Madera, California 3 $ 1,305,000 $ 435,000 $ 117,000
Marin, California 3 $ 2,675,000 $ 891,666 $ 262,000
Mariposa, California 3 $ 1,615,000 $ 538,333 $ 222,000
Napa, California 3 $ 2,775,000 $ 925,000 $ 92,000
Bonneville, Idaho 3 $ 4,805,000 $ 1,601,666 $ 99,000
Camas, Idaho 3 $ 315,000 $ 105,000 $ 110,000
Idaho, Idaho 3 $ 565,000 $ 188,333 $ 64,000
Benton, Oregon 3 $ 1,065,000 $ 355,000 $ 118,000
Wasco, Oregon 3 $ 2,605,000 $ 868,333 $ 372,000
Davis, Utah 3 $ 8,985,000 $ 2,995,000 $ 0
Monterey, California 2 $ 760,000 $ 380,000 $ 191,000
San Luis Obispo, California 2 $ 960,000 $ 480,000 $ 159,000
San Mateo, California 2 $ 2,280,000 $ 1,140,000 $ 317,000
Santa Clara, California 2 $ 900,000 $ 450,000 $ 81,000
Stanislaus, California 2 $ 990,000 $ 495,000 $ 170,000
Trinity, California 2 $ 400,000 $ 200,000 $ 146,000
Boulder, Colorado 2 $ 2,320,000 $ 1,160,000 $ 0
Weld, Colorado 2 $ 3,640,000 $ 1,820,000 $ 0
Lemhi, Idaho 2 $ 370,000 $ 185,000 $ 130,000
Lewis, Idaho 2 $ 650,000 $ 325,000 $ 109,000
Madison, Idaho 2 $ 500,000 $ 250,000 $ 275,000
Owyhee, Idaho 2 $ 5,120,000 $ 2,560,000 $ 130,000
Payette, Idaho 2 $ 590,000 $ 295,000 $ 256,000
Clark, Nevada 2 $ 3,160,000 $ 1,580,000 $ 0
Washoe, Nevada 2 $ 3,840,000 $ 1,920,000 $ 0
Calaveras, California 1 $ 305,000 $ 305,000 $ 138,000
Del Norte, California 1 $ 105,000 $ 105,000 $ 68,000
Humboldt, California 1 $ 545,000 $ 545,000 $ 181,000
Lake, California 1 $ 1,305,000 $ 1,305,000 $ 194,000
Mendocino, California 1 $ 1,265,000 $ 1,265,000 $ 584,000
Merced, California 1 $ 725,000 $ 725,000 $ 202,000
Modoc, California 1 $ 185,000 $ 185,000 $ 64,000
Tulare, California 1 $ 555,000 $ 555,000 $ 123,000
Pueblo, Colorado 1 $ 705,000 $ 705,000 $ 0
Adams, Idaho 1 $ 325,000 $ 325,000 $ 93,000
Blaine, Idaho 1 $ 345,000 $ 345,000 $ 1,531,000
Franklin, Idaho 1 $ 545,000 $ 545,000 $ 269,000
Jefferson, Idaho 1 $ 205,000 $ 205,000 $ 118,000
Minidoka, Idaho 1 $ 85,000 $ 85,000 $ 36,000
Washington, Idaho 1 $ 315,000 $ 315,000 $ 100,000
Gilliam, Oregon 1 $ 235,000 $ 235,000 $ 60,000
Jefferson, Oregon 1 $ 475,000 $ 475,000 $ 140,000
Lake, Oregon 1 $ 105,000 $ 105,000 $ 0
Johnson, Tennessee 1 $ 5,000 $ 5,000 $ 84,000
Rusk, Texas 1 $ 15,000 $ 15,000 $ 8,000
Garfield, Washington 1 $ 245,000 $ 245,000 $ 0
Wahkiakum, Washington 1 $ 325,000 $ 325,000 $ 111,000

Mortgage Loan Application Detail Totals for Banner Bank in 2021

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 4,329 $2,476,115,000 $571,000 $42,515,000 $155,000 $5,813,000
Home Improvement 2,269 $293,505,000 $129,000 $7,005,000 $169,000 $7,094,000
Cash-out Refinancing 2,141 $641,205,000 $299,000 $2,405,000 $124,000 $3,804,000
Refinancing 1,206 $812,570,000 $673,000 $20,705,000 $158,000 $3,804,000
Other Purpose 802 $114,300,000 $142,000 $2,105,000 $159,000 $5,602,000
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 7,071 $2,077,215,000 $293,000 $3,005,000 $154,000 $7,094,000
Not Provided 1,615 $659,855,000 $408,000 $11,405,000 $162,000 $2,213,000
Hispanic 915 $227,385,000 $248,000 $4,255,000 $115,000 $2,031,000
Not applicable 444 $1,138,740,000 $2,564,000 $42,515,000 $45,000 $199,000
Asian 405 $154,125,000 $380,000 $5,115,000 $205,000 $3,471,000
Black or African American 149 $42,325,000 $284,000 $1,645,000 $123,000 $492,000
American Indian or Alaskan Native 75 $19,445,000 $259,000 $965,000 $109,000 $432,000
Native Hawaiian or Other Pacific Islander 26 $7,170,000 $275,000 $875,000 $120,000 $306,000

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) 10,262 $4,174,520,000 $406,000 $42,515,000 $155,000 $7,094,000
VA-guaranteed (Veterans Administration) 239 $88,155,000 $368,000 $1,245,000 $117,000 $750,000
FHA-insured (Federal Housing Administration) 224 $69,330,000 $309,000 $905,000 $76,000 $193,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $5,690,000 $258,000 $385,000 $66,000 $86,000

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 6,436 $2,518,960,000 $391,000 $42,515,000 $157,000 $7,094,000
Application Denied By Financial Institution 1,942 $944,970,000 $486,000 $12,455,000 $130,000 $5,602,000
Application Withdrawn By Applicant 1,721 $676,135,000 $392,000 $3,005,000 $157,000 $3,471,000
Application Approved But Not Accepted 318 $109,590,000 $344,000 $18,135,000 $162,000 $1,758,000
File Closed For Incompleteness 237 $85,655,000 $361,000 $2,255,000 $183,000 $3,804,000
Loan Purchased By The Institution 93 $2,385,000 $25,000 $415,000 $45,000 $199,000
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 8,805 $3,392,725,000 $385,000 $42,515,000 $157,000 $7,094,000
Debt-To-Income Ratio 665 $161,605,000 $243,000 $3,505,000 $93,000 $701,000
Collateral 623 $623,215,000 $1,000,000 $12,455,000 $197,000 $5,602,000
Credit History 443 $96,465,000 $217,000 $4,405,000 $111,000 $677,000
Other 129 $36,975,000 $286,000 $2,805,000 $145,000 $891,000
Unverifiable Information 34 $11,060,000 $325,000 $1,005,000 $201,000 $1,201,000
Insufficient Cash (Downpayment, Closing Cost) 18 $7,250,000 $402,000 $1,085,000 $120,000 $507,000
Credit Application Incomplete 18 $4,100,000 $227,000 $445,000 $171,000 $492,000
Employment History 12 $4,300,000 $358,000 $1,135,000 $177,000 $1,008,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Banner Bank's 2021 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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