Walla Walla, WA Metro Area Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 2,180 mortgage applications in Walla Walla, WA metro area totaling $624.4 million, up 12% from 2024. The average application was for $286,422, and applicants reported an average income of $140,000. 54% of applications resulted in an originated loan and 13% were denied. The most active lender was Gesa Credit Union, with 182 applications, followed by Premier Mortgage Resources, LLC and Mortgage Express.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 2,180 |
| Total Mortgage Loan Application Amount | $624,400,000 |
| Average Mortgage Loan Application Amount | $286,422 |
| Highest Mortgage Loan Application Amount | $19,235,000 |
| Average Applicant Income | $140,000 |
| Highest Applicant Income | $3,000,000 |
Top Mortgage Lenders in Walla Walla, WA Metro Area (2025)
Ranked by the number of mortgage applications each lender reported in Walla Walla, WA metro area in 2025.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Gesa Credit Union Richland, WA |
182 | $31,340,000 | $172,000 | $113,000 |
| 2 | Premier Mortgage Resources, LLC Meridian, ID |
155 | $55,615,000 | $358,000 | $150,000 |
| 3 | Mortgage Express Portland, OR |
124 | $39,130,000 | $315,000 | $125,000 |
| 4 | PennyMac Loan Services LLC Westlake Village, CA |
108 | $36,860,000 | $341,000 | $126,000 |
| 5 | Banner Bank Walla Walla, WA |
95 | $22,695,000 | $238,000 | $142,000 |
| 6 | United Wholesale Mortgage Plymouth, MI |
77 | $27,615,000 | $358,000 | $114,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
70 | $15,170,000 | $216,000 | $167,000 |
| 8 | Baker Boyer National Bank Walla Walla, WA |
69 | $24,605,000 | $356,000 | $215,000 |
| 9 | Columbia Bank Lake Oswego, OR |
54 | $11,650,000 | $215,000 | $108,000 |
| 10 | CMG Mortgage Inc San Ramon, IL |
53 | $18,535,000 | $349,000 | $149,000 |
See every lender active in Walla Walla, WA metro area in 2025 »
The tables below break down 2025 mortgage applications in Walla Walla, WA metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Walla Walla, WA in 2025
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 | 930 | $339,680,000 | $365,000 | $3,005,000 | $153,000 | $1,506,000 |
| Cash-out Refinancing | 465 | $118,535,000 | $254,000 | $1,815,000 | $124,000 | $1,913,000 |
| Refinancing | 269 | $108,615,000 | $403,000 | $19,235,000 | $136,000 | $842,000 |
| Other Purpose | 260 | $31,790,000 | $122,000 | $1,315,000 | $145,000 | $3,000,000 |
| Home Improvement | 252 | $25,070,000 | $99,000 | $505,000 | $125,000 | $638,000 |
| Not Applicable | 4 | $710,000 | $177,000 | $395,000 | $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 | 1,269 | $359,625,000 | $283,000 | $3,005,000 | $144,000 | $2,268,000 |
| Hispanic | 302 | $66,640,000 | $220,000 | $715,000 | $113,000 | $1,913,000 |
| Not Provided | 281 | $74,695,000 | $265,000 | $1,005,000 | $147,000 | $3,000,000 |
| Not applicable | 249 | $101,695,000 | $408,000 | $19,235,000 | $172,000 | $788,000 |
| Asian | 40 | $11,910,000 | $297,000 | $1,005,000 | $175,000 | $635,000 |
| American Indian or Alaskan Native | 14 | $3,770,000 | $269,000 | $585,000 | $108,000 | $177,000 |
| Black or African American | 13 | $2,595,000 | $199,000 | $425,000 | $118,000 | $390,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $3,470,000 | $289,000 | $465,000 | $119,000 | $296,000 |
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) | 1,680 | $442,260,000 | $263,000 | $19,235,000 | $147,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 275 | $94,175,000 | $342,000 | $665,000 | $101,000 | $325,000 |
| VA-guaranteed (Veterans Administration) | 215 | $86,015,000 | $400,000 | $1,425,000 | $122,000 | $589,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,950,000 | $195,000 | $345,000 | $114,000 | $258,000 |
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 | 1,178 | $350,610,000 | $297,000 | $19,235,000 | $140,000 | $1,796,000 |
| Application Withdrawn By Applicant | 300 | $84,700,000 | $282,000 | $1,565,000 | $139,000 | $1,506,000 |
| Application Denied By Financial Institution | 288 | $65,060,000 | $225,000 | $3,005,000 | $120,000 | $3,000,000 |
| Loan Purchased By The Institution | 254 | $84,540,000 | $332,000 | $1,605,000 | $182,000 | $1,025,000 |
| File Closed For Incompleteness | 82 | $20,160,000 | $245,000 | $1,625,000 | $160,000 | $1,982,000 |
| Application Approved But Not Accepted | 77 | $19,105,000 | $248,000 | $1,315,000 | $181,000 | $2,268,000 |
| Preapproval Approved but not Accepted | 1 | $225,000 | $225,000 | $225,000 | $96,000 | $96,000 |
| 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 | 1,820 | $534,760,000 | $293,000 | $19,235,000 | $141,000 | $2,268,000 |
| Debt-To-Income Ratio | 160 | $44,280,000 | $276,000 | $1,815,000 | $143,000 | $1,049,000 |
| Credit Application Incomplete | 53 | $9,765,000 | $184,000 | $735,000 | $100,000 | $407,000 |
| Collateral | 48 | $13,070,000 | $272,000 | $3,005,000 | $152,000 | $713,000 |
| Credit History | 47 | $9,825,000 | $209,000 | $675,000 | $104,000 | $262,000 |
| Other | 37 | $8,775,000 | $237,000 | $2,085,000 | $228,000 | $3,000,000 |
| Unverifiable Information | 6 | $680,000 | $113,000 | $345,000 | $134,000 | $306,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,655,000 | $331,000 | $425,000 | $89,000 | $115,000 |
| Employment History | 4 | $1,590,000 | $397,000 | $525,000 | $82,000 | $176,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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