Lender profile · HMDA 2023–2025
Banner Bank mortgage approval rates & lending data
Banner Bank decided 10,320 mortgage applications and funded 6,097 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 2,569 / 3,392 | 97% | $355K | 2,503 |
| Home improvement loans | 55% | 2,687 / 4,858 | 92% | $105K | 2,461 |
| Cash-out refinance | 66% | 294 / 447 | 98% | $275K | 289 |
| Refinance | 59% | 360 / 609 | 90% | $195K | 323 |
| Investment property purchase | 67% | 221 / 329 | 93% | $345K | 206 |
| Investment cash-out refinance | 62% | 45 / 72 | 100% | $245K | 45 |
| Investment refinance | 60% | 56 / 94 | 93% | $155K | 52 |
| Investment home improvement | 47% | 243 / 519 | 90% | $105K | 218 |
Banner Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 68% | $295K | 5,274 | 3,375 |
| California | 51% | $105K | 2,957 | 1,418 |
| Oregon | 66% | $305K | 1,829 | 1,121 |
| Idaho | 73% | $335K | 259 | 183 |
| Utah | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.