# GESA

> **Canonical URL:** https://saferate.com/lenders/gesa


> **📋 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


GESA is a credit union, headquartered in Richland, WA, serving borrowers across 3 states, with 407 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001B4U37VT2ML818
- **Headquarters:** Richland, WA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** ID, OR, WA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.073%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,495
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 407
- **Dollar Volume:** $152 million
- **Applications Received:** 668
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $372,494
- **Average Borrower Income:** $135,049
- **Average Property Value:** $496,474

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 395 | -0.063% | $4,447 | Strong 😀 |
| Jumbo | 60/100 | 12 | -0.637% | $6,968 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 312 loans, Score: 67/100 (Strong)
- Refinance: 83 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 321 | $125M | -0.043% | Strong 😀 |
| Refinance | 67/100 | 86 | $27M | -0.180% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 378 | 0.44% | 84/100 |
| ID | 16 | 0.06% | 46/100 |
| OR | 13 | 0.03% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kennewick | WA | 167 | 95/100 |
| Non |  | 77 | 51/100 |
| Spokane | WA | 48 | 70/100 |
| Yakima, WA | WA | 40 | 69/100 |
| Walla Walla, WA | WA | 17 | 59/100 |
| Wenatchee | WA | 17 | 59/100 |
| Portland | OR-WA | 13 | 44/100 |
| Seattle | WA | 10 | 42/100 |

## Where This Lender Ranks

GESA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Yakima, WA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Kennewick Credit Unions
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Kennewick for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Wenatchee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Spokane Credit Unions
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Washington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Spokane for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Washington Credit Unions
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Washington for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#9** in Walla Walla, WA for Conventional Loans
  - [View Full Rankings](https://saferate.com/walla-walla-wa/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Yakima, WA
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders)
- 🏆 **#11** in Kennewick
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders)
- 🏆 **#12** in Kennewick for Conventional Loans
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Yakima, WA for Conventional Loans
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Wenatchee for Conventional Loans
  - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does GESA offer?

GESA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GESA offer mortgages?

GESA offers mortgages in 3 states: ID, OR, WA.

### How competitive are GESA's mortgage rates?

GESA has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.073% below market average.

### What type of lender is GESA?

GESA is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Richland, WA.

### What is GESA's loan approval success rate?

GESA has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/gesa

### How to Cite

> "GESA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gesa

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