Applications / Mortgage Analytics / Lenders / Washington / Baker Boyer National Bank
Walla Walla, WA · National bank · OCC · $710 million assets · 73 loans in 2025
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73
loans originated, 2025
102
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Baker Boyer National Bank, of Walla Walla, Washington, is lending again. Its 73 loans in 2025 were 33% more than in 2024, and its share of its home market rose.
Its loans rose 33%, faster than about four in five similar lenders (national banks making between half and twice as many loans), whose typical growth was 3%. The count had fallen every year from 296 in 2020 to 55 in 2024, so it remains well below its earlier level.
Its typical loan was $255,000, against $177,500 at similar lenders. Jumbo loans (larger than the conforming limit) made up 17.3% of the total, up from 2.4% a year earlier and far above the 2.9% at peers. Every loan was conventional, and about half were for home purchases.
Walla Walla is its largest market, and it has lent there since 2000. It ranked 7 of 151 lenders there, with 5.2% of loans, up from 4.3%. Premier Mortgage Resources and Mortgage Express led. Its small share in Yakima also rose, from 0.2% to 0.5%.
Borrowers with low and moderate incomes (LMI) took 21.0% of its loans, near the middle of similar lenders, whose figure was 23.4%. Five years earlier the share was 9.1%. Which neighborhoods drove the gain in Walla Walla is not yet clear from the figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Baker Boyer National Bank took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.1% · Home improvement 19.2% · Refinance 19.2% · Other 9.6%
Conventional 100.0% · of 73 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 | 61 | 83.6% |
| Oregon | 11 | 15.1% |
| Montana | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Walla Walla | 51 |
| Kennewick-Richland | 5 |
| Yakima | 4 |
| Bozeman | 1 |
| Tacoma-Lakewood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009AOX259OY87H37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 69678 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 13956 | 2000–2017 |
Established 10 November 1869. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Baker Boyer National Bank's data.
Baker Boyer National Bank's data
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Baker Boyer National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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