Applications / Mortgage Analytics / Lenders / Washington / Banner Bank
Walla Walla, WA · State non-member bank · FDIC · $16.3 billion assets · 3,391 loans in 2025
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3,391
loans originated, 2025
6,315
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Banner Bank is a Washington-based regional bank whose 2025 lending split almost evenly between home purchases and home improvement, with more of its loans in majority-minority areas than most similar banks.
Home-improvement loans were 38.3% of its 2025 loans, close to the 40.3% for home purchases, with refinancing at 12.0%. It also made more jumbo loans (larger than the conforming limit) than about four in five similar lenders (state non-member banks making between half and twice as many loans): 5.2% against 2.5%.
Originations rose 8% to 3,391, lower than about two-thirds of peers, whose typical growth was 12%, and below the whole market's 10%. Its $1.28 billion in loans was higher than about seven in ten peers. Lending is less than half the 7,356 loans of 2020.
6.8% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5% at peers, higher than about nine in ten, though down from 15.8% a year earlier. Possible reasons include manufactured homes, 5.5% of its loans against 1.3%, or its large home-improvement book.
18.1% of loans were in majority-minority tracts, against 10.1%, higher than three in four peers and up from 9.9% five years before. Low- and moderate-income (LMI) borrowers took 20.5%, against 28.8%, lower than about five in six peers, which could reflect its markets or a home-improvement book lent to existing owners.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Banner Bank took 6,315 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.3% · Home improvement 38.3% · Refinance 12.0% · Other 9.4%
Conventional 95.0% · FHA 3.7% · VA 1.2% · USDA (RHS or FSA) 0.2% · of 3,391 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Washington | 1,842 | 54.3% |
| Oregon | 786 | 23.2% |
| California | 627 | 18.5% |
| Idaho | 135 | 4.0% |
| Utah | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Seattle-Bellevue-Kent | 318 |
| Portland-Vancouver-Hillsboro | 245 |
| Spokane-Spokane Valley | 203 |
| Bellingham | 164 |
| San Diego-Chula Vista-Carlsbad | 157 |
| Tacoma-Lakewood | 155 |
| Everett | 145 |
| Riverside-San Bernardino-Ontario | 138 |
| Eugene-Springfield | 134 |
| Mount Vernon-Anacortes | 131 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | WE0I402RW25AU38DTI13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 352772 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41691 | 1990–1991 |
| Respondent ID (the HMDA filer code before 2018) | 328489 | 1992–2017 |
Established 1 January 1890. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Banner Bank's data.
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