Banner Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

Banner Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

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 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 $362,800
Highest Mortgage Loan Application Amount $42,515,000
Average Applicant Income $153,000
Highest Applicant Income $7,094,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Banner Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Banner Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2021 breaks down Banner Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Banner Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Banner Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Banner Bank's mortgage activity for 2021.

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