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Banner Bank

Bank•Walla Walla, WAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Banner Bank — 994 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 18 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and FHA and VA and Jumbo loans

Explore another lender or local market

Report Card

Banner Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+17.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 19 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume780
Mix78.5%
Spread
+0.231%Above
Fees
$3,317Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume110
Mix11.1%
Spread
+0.056%Above
Fees
$3,148Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume37
Mix3.7%
Spread
-0.497%Below
Fees
$3,672Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume64
Mix6.4%
Spread
+0.662%Above
Fees
$3,629Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume836
Mix84.1%
Spread
+0.139%Above
Fees
$3,305Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume158
Mix15.9%
Spread
+0.299%Above
Fees
$3,349Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
994
Applications
1,787
Volume
$459 million
Pricing & Closing
Avg Rate Spread
+0.178%
vs. market APOR
Avg Net Fees
$3,315
Origination − Credits
Pullthrough Rate
55.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$462,586
Avg Borrower Income
$177,911
Avg Property Value
$686,539

Geographic Coverage

Geographic Performance

Metro Areas
18
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West4
CAIDORWA

Top Metro Areas by Place Specialization Score

1© Joe Mabel · CC BY-SA 3.0
Wenatchee, WAMetro
Volume 97Mix 9.76% of portfolio
100/100
Exceptional
2© Joe Mabel · CC BY-SA 4.0
Mount Vernon, WAMetro
Volume 34Mix 3.42% of portfolio
80/100
Exceptional
3© Ethan from Scottsdale · CC BY 2.0
Spokane, WAMetro
Volume 72Mix 7.24% of portfolio
74/100
Strong
4© Robert Ashworth from Bellingham, WA., USA · CC BY 2.0
Bellingham, WAMetro
Volume 45Mix 4.53% of portfolio
69/100
Strong
5© Broran28 · Public domain
Tacoma, WAMetro
Volume 54Mix 5.43% of portfolio
68/100
Strong
6© Jsayre64 · CC BY-SA 3.0
Eugene, ORMetro
Volume 46Mix 4.63% of portfolio
68/100
Strong
7© Kirk Bagley · CC BY 3.0
Kennewick, WAMetro
Volume 43Mix 4.33% of portfolio
67/100
Strong
8© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 79Mix 7.95% of portfolio
65/100
Strong
9© Jon Roanhaus · CC BY-SA 4.0
Walla Walla, WAMetro
Volume 22Mix 2.21% of portfolio
64/100
Strong
10© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 59Mix 5.94% of portfolio
63/100
Strong
Showing 10 of 18 metro areas

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 622Mix 62.58% of portfolio
87/100
Exceptional
Oregon
Oregon
2
OregonState
Volume 243Mix 24.45% of portfolio
78/100
Strong
California
California
3
CaliforniaState
Volume 88Mix 8.85% of portfolio
55/100
Sound
Idaho
Idaho
4
IdahoState
Volume 41Mix 4.12% of portfolio
54/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.