Banner Bank: 2025 mortgage rates, costs & approvals
How Banner Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Banner Bank · LEI WE0I402RW25AU38DTI13
In 2025, Banner Bank originated 1,041 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 4 states — 448th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 25 basis points above the national median. Median conventional loan costs were $9,720, 75% higher than the national median ($5,570).
It denied 21.8% of completed home-purchase applications (all lenders: 8.5%).
How Banner Bank priced home-purchase loans
| Purchase loans, 2025 | Banner Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.000% | 6.250% |
| 30-year fixed rate · VA | 6.000% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.38 pts | +0.13 pts |
| Total loan costs · conventional | $9,720 | $5,570 |
| Total loan costs · FHA | $13,680 | $11,310 |
| Total loan costs · VA | $10,080 | $6,490 |
| Origination charges (all types) | $5,180 | $1,860 |
| Borrowers paying discount points | 84.8% | 51.3% |
| Points paid, when paid (% of loan) | 1.00% | 0.87% |
| Borrowers receiving lender credits | 82.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Banner Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Banner Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Washington | 632 | 834 | 20.3% | 6.625% | $9,720 |
| Oregon | 267 | 352 | 20.8% | 6.500% | $7,340 |
| California | 104 | 163 | 32.6% | 6.500% | $14,480 |
| Idaho | 38 | 47 | 17.6% | — | $8,280 |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Banner Bank's page for that state.
Counties where Banner Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Morrow County, OR | 4 | 10 | 8.5% |
| Baker County, OR | 3 | 14 | 7.2% |
| Gilliam County, OR | 14 | 1 | 5.9% |
| Chelan County, WA | 6 | 46 | 5.3% |
| Douglas County, WA | 7 | 29 | 5.3% |
| San Juan County, WA | 5 | 7 | 5.2% |
| Coos County, OR | 5 | 33 | 4.8% |
| Union County, OR | 5 | 12 | 4.3% |
| Columbia County, WA | 12 | 2 | 3.5% |
| Umatilla County, OR | 9 | 28 | 3.0% |
| Skagit County, WA | 7 | 42 | 2.9% |
| Walla Walla County, WA | 9 | 19 | 2.9% |
| Benewah County, ID | 14 | 3 | 2.7% |
| Whatcom County, WA | 8 | 65 | 2.5% |
| Pend Oreille County, WA | 10 | 4 | 2.5% |
Check Banner Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI WE0I402RW25AU38DTI13.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Banner Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology