GESA
GESA received 3,368 applications in 2025 and made 2,230 mortgages, in 71 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $175,000. Of 2,862 decisions, 618 were denials — 21.6%, most often for credit application incomplete.
| Legal Entity Identifier | 5493001B4U37VT2ML818 |
|---|---|
| Applications received | 3,368 |
| Mortgages made | 2,230 |
| Denied | 618 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 506 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4315 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 648 | 6.375% | $380,000 | 16.3% |
| Refinancing | 84 | 6.250% | $320,000 | 31.5% |
| Cash-out refinancing | 497 | 7.500% | $155,000 | 22.7% |
| Other purposes | 1,001 | 7.500% | $105,000 | 23.3% |
Where GESA lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Benton County, WA | 565 | 7.500% | 13.7% |
| Franklin County, WA | 240 | 7.500% | 23.2% |
| Spokane County, WA | 190 | 7.125% | 23.7% |
| Yakima County, WA | 189 | 7.500% | 30.4% |
| King County, WA | 156 | 7.500% | 20.8% |
| Walla Walla County, WA | 131 | 7.500% | 18.1% |
| Grant County, WA | 106 | 7.250% | 25.2% |
| Chelan County, WA | 73 | 7.250% | 24.7% |
| Pierce County, WA | 69 | 7.625% | 27.8% |
| Snohomish County, WA | 65 | 7.500% | 24.1% |
| Kootenai County, ID | 59 | 6.375% | 19.2% |
| Umatilla County, OR | 33 | 7.500% | 19.5% |
| Kitsap County, WA | 30 | 8.438% | 9.1% |
| Douglas County, WA | 28 | 7.000% | 22.2% |
| Stevens County, WA | 23 | 7.000% | 33.3% |
| Lewis County, WA | 22 | 7.172% | 37.1% |
| Adams County, WA | 20 | 7.313% | 28.6% |
| Clark County, WA | 17 | 6.250% | 19.1% |
| Thurston County, WA | 14 | 7.625% | 22.2% |
| Kittitas County, WA | 13 | 7.250% | 17.7% |
| Pend Oreille County, WA | 13 | 7.125% | 18.8% |
| Whitman County, WA | 13 | 6.625% | 13.3% |
| Bonner County, ID | 12 | 6.813% | 62.5% |
| Skagit County, WA | 11 | 7.500% | 0.0% |
| Clallam County, WA | 9 | Under 10 loans | 10.0% |
| Lincoln County, WA | 9 | Under 10 loans | 10.0% |
| Grays Harbor County, WA | 8 | Under 10 loans | 11.1% |
| Morrow County, OR | 7 | Under 10 loans | 0.0% |
| Island County, WA | 7 | Under 10 loans | 36.4% |
| Mason County, WA | 7 | Under 10 loans | 30.0% |
| Whatcom County, WA | 7 | Under 10 loans | 22.2% |
| Multnomah County, OR | 6 | Under 10 loans | 14.3% |
| Asotin County, WA | 6 | Under 10 loans | 0.0% |
| Klickitat County, WA | 6 | Under 10 loans | 14.3% |
| Pacific County, WA | 6 | Under 10 loans | 33.3% |
| Ada County, ID | 4 | Under 10 loans | 0.0% |
| Benewah County, ID | 4 | Under 10 loans | 0.0% |
| Cowlitz County, WA | 4 | Under 10 loans | 33.3% |
| Jefferson County, WA | 4 | Under 10 loans | 0.0% |
| Okanogan County, WA | 4 | Under 10 loans | 20.0% |
| Clackamas County, OR | 3 | Under 10 loans | 42.9% |
| Jackson County, OR | 3 | Under 10 loans | 25.0% |
| Marion County, OR | 3 | Under 10 loans | 0.0% |
| Columbia County, WA | 3 | Under 10 loans | 50.0% |
| Boundary County, ID | 2 | Under 10 loans | 0.0% |
| Canyon County, ID | 2 | Under 10 loans | 0.0% |
| Gem County, ID | 2 | Under 10 loans | 0.0% |
| Valley County, ID | 2 | Under 10 loans | 0.0% |
| Washington County, OR | 2 | Under 10 loans | 0.0% |
| San Juan County, WA | 2 | Under 10 loans | 0.0% |
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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.