Applications / Mortgage Analytics / Lenders / Washington / Basis Home Loans
Vancouver, WA · Non-bank or government lender · CFPB · 94 loans in 2025
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94
loans originated, 2025
132
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Basis Home Loans filed its first report in 2025: 94 loans, nearly all to buy homes, and much bigger than those of similar lenders.
Home purchases made up 96.8% of its lending and refinancing the rest. Every loan was conventional; none was backed by the government. Its 94 loans put it near the middle of similar lenders, non-bank or government lenders making between half and twice as many loans.
Its typical loan was $690,000, against $415,000 at similar lenders, larger than at four in five of them. Its typical rate, 4.88%, was the lowest in the group, where the middle was 6.62%. The figures do not show why.
Borrowers of low and moderate income (LMI) took 7.4% of its loans, against 25.0% at similar lenders, and LMI neighborhoods 9.6%, against 23.2%. Both shares are lower than at more than four in five of them. Its loan sizes offer one possible reason: households buying homes at that price may seldom be of modest means. A single year of lending is another reason not to read much into it.
It is new everywhere: 2025 was its first year in each of its markets, which span 4 states and 18 metros, with Washington its main state. Its largest share was in Olympia-Lacey-Tumwater, WA, where it ranked 94 of 303 lenders with 0.1% of lending; United Wholesale Mortgage led there. In Seattle-Tacoma-Bellevue, WA it ranked 232 of 597.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Basis Home Loans took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.8% · Refinance 3.2%
Conventional 100.0% · of 94 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 | 55 | 58.5% |
| Oregon | 20 | 21.3% |
| Idaho | 11 | 11.7% |
| Arizona | 8 | 8.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Everett | 9 |
| Portland-Vancouver-Hillsboro | 9 |
| Phoenix-Mesa-Chandler | 7 |
| Tacoma-Lakewood | 7 |
| Olympia-Lacey-Tumwater | 6 |
| Boise City | 4 |
| Bremerton-Silverdale-Port Orchard | 3 |
| Eugene-Springfield | 3 |
| Seattle-Bellevue-Kent | 3 |
| Spokane-Spokane Valley | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009QB0KBU5M6NP90 | 2025–2025 |
Established 8 October 2021. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Basis Home Loans's data.
Basis Home Loans's data
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Basis Home Loans 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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