Mortgage Lender Index

Banner Bank

Banner Bank received 6,315 applications in 2025 and made 3,391 mortgages, in 133 counties across 5 states. The median rate its borrowers got was 6.990% on a median loan of $205,000. Of 5,532 decisions, 1,972 were denials — 35.7%, most often for debt-to-income ratio. 17 of its applications carried no county and are counted here but on no county page.

Legal Entity IdentifierWE0I402RW25AU38DTI13
Applications received6,315
Mortgages made3,391
Denied1,972
Approved, not taken up169
Withdrawn or incomplete783
Loans bought from other lenders24
Median rate spread over the prime offer rate0.3 points
FDIC-insured bankYes: Banner Bank, 167 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase1,367 6.740%$385,000 24.3%
Refinancing186 7.063%$215,000 42.4%
Cash-out refinancing221 6.875%$235,000 39.4%
Other purposes1,617 7.740%$105,000 41.4%

Where Banner Bank lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
King County, WA 3187.240%34.9%
Spokane County, WA 1846.933%30.4%
Whatcom County, WA 1646.740%24.0%
San Diego County, CA 1577.375%43.7%
Pierce County, WA 1557.000%37.5%
Snohomish County, WA 1456.990%28.9%
Lane County, OR 1346.588%29.4%
Skagit County, WA 1316.875%29.0%
Coos County, OR 926.740%26.4%
Riverside County, CA 857.250%41.1%
Yakima County, WA 826.875%42.8%
Chelan County, WA 786.750%29.2%
Los Angeles County, CA 748.240%57.3%
Jackson County, OR 718.000%37.1%
Clark County, WA 647.308%40.8%
Umatilla County, OR 636.740%35.1%
Washington County, OR 586.740%34.7%
Benton County, WA 586.813%41.2%
Walla Walla County, WA 587.250%25.9%
San Bernardino County, CA 538.125%58.0%
Clackamas County, OR 536.875%35.2%
Douglas County, WA 536.625%19.1%
Multnomah County, OR 526.625%39.2%
Franklin County, WA 486.875%24.6%
Sacramento County, CA 478.240%44.1%
Douglas County, OR 456.740%36.4%
Grant County, WA 447.000%35.2%
Island County, WA 417.625%20.8%
Siskiyou County, CA 406.875%29.3%
Baker County, OR 396.500%26.8%
San Juan County, WA 397.063%42.3%
Union County, OR 307.245%33.3%
Kootenai County, ID 296.500%31.0%
Ada County, ID 277.240%30.0%
Placer County, CA 267.688%44.7%
Tehama County, CA 256.990%40.5%
Josephine County, OR 236.990%44.2%
Kitsap County, WA 237.750%41.9%
Stevens County, WA 197.625%33.3%
Morrow County, OR 186.500%25.9%
Canyon County, ID 177.375%22.7%
Klamath County, OR 177.750%22.7%
Whitman County, WA 177.740%32.0%
Marion County, OR 146.563%36.4%
Kittitas County, WA 147.245%31.8%
Pend Oreille County, WA 147.438%21.1%
El Dorado County, CA 137.500%51.7%
Nevada County, CA 136.990%51.8%
Latah County, ID 136.490%7.1%
Orange County, CA 127.620%52.0%

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When Banner Bank’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.