Gesa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Gesa 2020 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 | Gesa 51 Gage Blvd Richland, WA 99352 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 | 5,397 |
| Total Mortgage Loan Application Amount | $1,050,345,000 |
| Average Mortgage Loan Application Amount | $185,800 |
| Highest Mortgage Loan Application Amount | $5,915,000 |
| Average Applicant Income | $109,200 |
| Highest Applicant Income | $4,786,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Gesa. 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 Gesa's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Gesa'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 Gesa serves its applicants.
Each category highlights the total number of mortgage applications processed by Gesa, 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 Gesa's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Benton County Washington | 1,375 | $ 304,895,000 | $ 221,000 | $ 111,000 |
| King County Washington | 629 | $ 99,575,000 | $ 158,000 | $ 138,000 |
| Franklin County Washington | 626 | $ 130,580,000 | $ 208,000 | $ 92,000 |
| Spokane County Washington | 564 | $ 121,510,000 | $ 215,000 | $ 100,000 |
| Yakima County Washington | 353 | $ 60,775,000 | $ 172,000 | $ 88,000 |
| Grant County Washington | 249 | $ 43,685,000 | $ 175,000 | $ 85,000 |
| Snohomish County Washington | 244 | $ 38,040,000 | $ 155,000 | $ 137,000 |
| Walla Walla County Washington | 234 | $ 38,240,000 | $ 163,000 | $ 93,000 |
| Pierce County Washington | 217 | $ 33,735,000 | $ 155,000 | $ 122,000 |
| Kitsap County Washington | 114 | $ 23,200,000 | $ 203,000 | $ 115,000 |
| Chelan County Washington | 96 | $ 16,090,000 | $ 167,000 | $ 114,000 |
| Umatilla County Oregon | 54 | $ 7,440,000 | $ 137,000 | $ 73,000 |
| Thurston County Washington | 54 | $ 8,540,000 | $ 158,000 | $ 104,000 |
| Kootenai County Idaho | 53 | $ 22,575,000 | $ 425,000 | $ 121,000 |
| Skagit County Washington | 48 | $ 7,180,000 | $ 149,000 | $ 130,000 |
| Douglas County Washington | 41 | $ 8,495,000 | $ 207,000 | $ 115,000 |
| Clark County Washington | 37 | $ 7,315,000 | $ 197,000 | $ 117,000 |
| Adams County Washington | 32 | $ 5,790,000 | $ 180,000 | $ 81,000 |
| Stevens County Washington | 32 | $ 7,110,000 | $ 222,000 | $ 88,000 |
| Island County Washington | 30 | $ 2,920,000 | $ 97,000 | $ 99,000 |
| Lewis County Washington | 26 | $ 3,220,000 | $ 123,000 | $ 84,000 |
| Kittitas County Washington | 25 | $ 3,995,000 | $ 159,000 | $ 102,000 |
| Bonner County Idaho | 22 | $ 6,500,000 | $ 295,000 | $ 128,000 |
| Whatcom County Washington | 19 | $ 3,345,000 | $ 176,000 | $ 109,000 |
| Clallam County Washington | 16 | $ 2,270,000 | $ 141,000 | $ 90,000 |
| Jefferson County Washington | 15 | $ 2,175,000 | $ 145,000 | $ 113,000 |
| Mason County Washington | 15 | $ 1,955,000 | $ 130,000 | $ 114,000 |
| Whitman County Washington | 15 | $ 3,115,000 | $ 207,000 | $ 115,000 |
| Pend Oreille County Washington | 14 | $ 3,120,000 | $ 222,000 | $ 94,000 |
| Okanogan County Washington | 13 | $ 2,355,000 | $ 181,000 | $ 98,000 |
| Cowlitz County Washington | 10 | $ 1,730,000 | $ 173,000 | $ 139,000 |
| Klickitat County Washington | 10 | $ 1,450,000 | $ 145,000 | $ 116,000 |
| Lincoln County Washington | 10 | $ 2,290,000 | $ 229,000 | $ 104,000 |
| Columbia County Washington | 9 | $ 1,365,000 | $ 151,000 | $ 98,000 |
| Morrow County Oregon | 7 | $ 975,000 | $ 139,000 | $ 56,000 |
| Latah County Idaho | 6 | $ 1,360,000 | $ 226,000 | $ 93,000 |
| Grays Harbor County Washington | 6 | $ 880,000 | $ 146,000 | $ 128,000 |
| Multnomah County Oregon | 5 | $ 1,005,000 | $ 201,000 | $ 92,000 |
| Washington County Oregon | 5 | $ 1,775,000 | $ 355,000 | $ 222,000 |
| Asotin County Washington | 5 | $ 915,000 | $ 183,000 | $ 128,000 |
| San Juan County Washington | 5 | $ 445,000 | $ 89,000 | $ 86,000 |
| Benewah County Idaho | 4 | $ 1,190,000 | $ 297,000 | $ 114,000 |
| Pacific County Washington | 4 | $ 350,000 | $ 87,000 | $ 100,000 |
| Skamania County Washington | 4 | $ 530,000 | $ 132,000 | $ 122,000 |
| Nez Perce County Idaho | 3 | $ 705,000 | $ 235,000 | $ 90,000 |
| Clackamas County Oregon | 3 | $ 4,135,000 | $ 1,378,000 | $ 107,000 |
| Deschutes County Oregon | 3 | $ 1,245,000 | $ 415,000 | $ 125,000 |
| Wallowa County Oregon | 3 | $ 675,000 | $ 225,000 | $ 55,000 |
| Ferry County Washington | 3 | $ 495,000 | $ 165,000 | $ 65,000 |
| Shoshone County Idaho | 2 | $ 430,000 | $ 215,000 | $ 78,000 |
| Cook County Illinois | 2 | $ 410,000 | $ 205,000 | $ 126,000 |
| Lincoln County Oregon | 2 | $ 690,000 | $ 345,000 | $ 26,000 |
| Union County Oregon | 2 | $ 520,000 | $ 260,000 | $ 147,000 |
| Wahkiakum County Washington | 2 | $ 360,000 | $ 180,000 | $ 99,000 |
| Riverside County California | 1 | $ 205,000 | $ 205,000 | $ 151,000 |
| Santa Clara County California | 1 | $ 685,000 | $ 685,000 | $ 185,000 |
| Tulare County California | 1 | $ 305,000 | $ 305,000 | $ 327,000 |
| Ada County Idaho | 1 | $ 475,000 | $ 475,000 | $ 143,000 |
| Ramsey County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| St. Louis County Missouri | 1 | $ 295,000 | $ 295,000 | $ 210,000 |
| Johnston County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Clatsop County Oregon | 1 | $ 245,000 | $ 245,000 | $ 160,000 |
| Douglas County Oregon | 1 | $ 215,000 | $ 215,000 | $ 41,000 |
| Harney County Oregon | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Hood River County Oregon | 1 | $ 425,000 | $ 425,000 | $ 77,000 |
| Polk County Oregon | 1 | $ 515,000 | $ 515,000 | $ 172,000 |
| Tillamook County Oregon | 1 | $ 245,000 | $ 245,000 | $ 179,000 |
| Lackawanna County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Harris County Texas | 1 | $ 85,000 | $ 85,000 | $ 9,000 |
| Davis County Utah | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| Garfield County Washington | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Kanawha County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Gesa 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,491 | $329,565,000 | $221,000 | $3,605,000 | $107,000 | $719,000 |
| Home Purchase | 1,143 | $310,055,000 | $271,000 | $2,625,000 | $98,000 | $4,786,000 |
| Home Improvement | 1,051 | $87,575,000 | $83,000 | $485,000 | $122,000 | $467,000 |
| Cash-out Refinancing | 989 | $247,075,000 | $249,000 | $5,915,000 | $99,000 | $688,000 |
| Other Purpose | 723 | $76,075,000 | $105,000 | $3,755,000 | $120,000 | $1,073,000 |
| 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 | 3,422 | $653,190,000 | $190,000 | $1,005,000 | $115,000 | $4,786,000 |
| Hispanic | 850 | $160,090,000 | $188,000 | $605,000 | $78,000 | $454,000 |
| Not Provided | 831 | $152,165,000 | $183,000 | $995,000 | $109,000 | $688,000 |
| Asian | 134 | $24,410,000 | $182,000 | $705,000 | $127,000 | $900,000 |
| Black or African American | 60 | $8,660,000 | $144,000 | $455,000 | $94,000 | $236,000 |
| American Indian or Alaskan Native | 44 | $7,720,000 | $175,000 | $565,000 | $111,000 | $225,000 |
| Not applicable | 35 | $39,945,000 | $1,141,000 | $5,915,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,915,000 | $224,000 | $515,000 | $183,000 | $663,000 |
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) | 5,319 | $1,030,635,000 | $193,000 | $5,915,000 | $108,000 | $1,073,000 |
| FHA-insured (Federal Housing Administration) | 42 | $10,330,000 | $245,000 | $395,000 | $72,000 | $332,000 |
| VA-guaranteed (Veterans Administration) | 36 | $9,380,000 | $260,000 | $455,000 | $198,000 | $4,786,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,425 | $694,445,000 | $202,000 | $5,915,000 | $108,000 | $996,000 |
| Application Denied By Financial Institution | 841 | $147,655,000 | $175,000 | $1,355,000 | $101,000 | $4,786,000 |
| Application Withdrawn By Applicant | 761 | $158,085,000 | $207,000 | $805,000 | $111,000 | $1,073,000 |
| Application Approved But Not Accepted | 357 | $48,085,000 | $134,000 | $695,000 | $122,000 | $900,000 |
| File Closed For Incompleteness | 13 | $2,075,000 | $159,000 | $315,000 | $88,000 | $233,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,556 | $902,690,000 | $198,000 | $5,915,000 | $110,000 | $1,073,000 |
| Credit Application Incomplete | 293 | $60,415,000 | $206,000 | $675,000 | $121,000 | $4,786,000 |
| Debt-To-Income Ratio | 220 | $33,230,000 | $151,000 | $615,000 | $66,000 | $227,000 |
| Credit History | 128 | $17,940,000 | $140,000 | $465,000 | $85,000 | $480,000 |
| Other | 111 | $17,585,000 | $158,000 | $685,000 | $129,000 | $600,000 |
| Collateral | 55 | $9,785,000 | $177,000 | $1,355,000 | $112,000 | $454,000 |
| Unverifiable Information | 19 | $4,485,000 | $236,000 | $805,000 | $78,000 | $300,000 |
| Employment History | 7 | $1,745,000 | $249,000 | $515,000 | $108,000 | $348,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,175,000 | $310,000 | $455,000 | $111,000 | $176,000 |
| Mortgage Insurance Denied | 1 | $295,000 | $295,000 | $295,000 | $78,000 | $78,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gesa'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 Gesa'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.