# Banner Bank > **Canonical URL:** https://saferate.com/lenders/banner-bank > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible Banner Bank is a bank, headquartered in Walla Walla, WA, serving borrowers across 4 states, with 994 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 60% of lenders for competitive rates - **Approval Rate:** Ranks in the top 55% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** WE0I402RW25AU38DTI13 - **Headquarters:** Walla Walla, WA - **Geographic Reach:** Regional - **States Served:** 4 - **State List:** CA, ID, OR, WA - **Markets (MSAs):** 19 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 40/100 - Rating: ●●●○○ (3/5) ### Pull Through: Sound ☺️ - Score: 45/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.178% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $3,315 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 994 - **Dollar Volume:** $460 million - **Applications Received:** 1,787 - **Market Share:** 3.00% ## Typical Borrower Profile - **Average Loan Amount:** $462,586 - **Average Borrower Income:** $177,911 - **Average Property Value:** $686,539 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (64%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 76/100 | 780 | +0.231% | $3,317 | Strong πŸ˜€ | | FHA | 67/100 | 110 | +0.056% | $3,148 | Strong πŸ˜€ | | VA | 64/100 | 37 | -0.497% | $3,672 | Strong πŸ˜€ | | Jumbo | 79/100 | 64 | +0.662% | $3,629 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 642 loans, Score: 75/100 (Strong) - Refinance: 138 loans, Score: 71/100 (Strong) **FHA:** - Purchase: 98 loans, Score: 66/100 (Strong) **VA:** - Purchase: 35 loans, Score: 64/100 (Strong) **Jumbo:** - Purchase: 58 loans, Score: 79/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 76/100 | 836 | $403M | +0.139% | Strong πŸ˜€ | | Refinance | 72/100 | 158 | $56M | +0.299% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | WA | 622 | 0.73% | 87/100 | | OR | 243 | 0.57% | 78/100 | | CA | 88 | 0.03% | 55/100 | | ID | 41 | 0.15% | 54/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 218 | 63/100 | | Wenatchee | WA | 97 | 100/100 | | Portland | OR-WA | 79 | 65/100 | | Spokane | WA | 72 | 74/100 | | Seattle | WA | 59 | 63/100 | | Tacoma | WA | 54 | 68/100 | | Eugene | OR | 46 | 68/100 | | Bellingham, WA | WA | 45 | 69/100 | | Kennewick | WA | 43 | 67/100 | | Mount Vernon | WA | 34 | 80/100 | | Everett, WA | WA | 33 | 60/100 | | Yakima, WA | WA | 32 | 62/100 | | Sacramento | CA | 23 | 49/100 | | Walla Walla, WA | WA | 22 | 64/100 | | Riverside | CA | 20 | 46/100 | ## Where This Lender Ranks Banner Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‡ **#1** in Wenatchee for Jumbo Loans - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/jumbo-loans) - πŸ₯‡ **#1** in Wenatchee for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/banks/jumbo-loans) - πŸ₯‡ **#1** in Eugene for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/banks/fha-loans) - πŸ₯ˆ **#2** in Walla Walla, WA for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders/banks/conventional-loans) - πŸ₯‰ **#3** in Wenatchee for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/banks/conventional-loans) - πŸ₯‰ **#3** in Seattle for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/banks/fha-loans) - πŸ₯‰ **#3** in Kennewick for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Spokane for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Tacoma for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Bellingham, WA Banks - [View Full Rankings](https://saferate.com/bellingham-wa/best-mortgage-lenders/banks) - πŸ† **#4** in Yakima, WA Banks - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/banks) - πŸ† **#5** in Washington for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/banks/fha-loans) - πŸ† **#5** in Kennewick Banks - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/banks) - πŸ† **#5** in Mount Vernon for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/mount-vernon/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Walla Walla, WA - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders) - πŸ† **#6** in Oregon for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/banks/fha-loans) - πŸ† **#6** in Wenatchee - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders) - πŸ† **#6** in Portland for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/fha-loans) - πŸ† **#6** in Medford, OR for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#7** in Mount Vernon - [View Full Rankings](https://saferate.com/mount-vernon/best-mortgage-lenders) ## Frequently Asked Questions ### What loan types does Banner Bank offer? Banner Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Banner Bank offer mortgages? Banner Bank offers mortgages in 4 states: CA, ID, OR, WA. ### How competitive are Banner Bank's mortgage rates? Banner Bank has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.178% above market average. ### What type of lender is Banner Bank? Banner Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Walla Walla, WA. ### What is Banner Bank's loan approval success rate? Banner Bank has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/banner-bank ### How to Cite > "Banner Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/banner-bank --- **[View Interactive Profile β†’](https://saferate.com/lenders/banner-bank)**