Lender in Washington · HMDA 2025
Gesa mortgages in Washington
Gesa's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Gesa originated 597 owner-occupied single-family loans in Washington from 740 completed applications.
Its median conventional purchase loan costs were $7,370 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.50% (Washington: 6.625%).
Loans in WA
597
of 740 applications
Denial rate
12.7%
Purchase · WA 5.9%
Rate spread
+0.09 pts
Conv. · WA +0.10 pts
Loan amount
$395,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 529 | 460 | 12.7% | 6.500% | +0.09 pts | $7,370 | $395,000 |
| Refinance | 75 | 51 | 32.0% | — | +0.08 pts | $4,530 | $305,000 |
| Cash-out refinance | 136 | 86 | 36.0% | 6.875% | +0.24 pts | $5,440 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Gesa ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 4 | 83 | 6.9% |
| Benton County | 5 | 173 | 5.3% |
| Adams County | 5 | 11 | 6.4% |
| Columbia County | 5 | 3 | 5.3% |
| Walla Walla County | 6 | 33 | 5.1% |
| Pend Oreille County | 6 | 5 | 3.2% |
| Grant County | 7 | 34 | 3.1% |
| Chelan County | 9 | 30 | 3.5% |
| Yakima County | 10 | 46 | 2.0% |
| Lincoln County | 11 | 4 | 2.3% |
| Douglas County | 13 | 13 | 2.4% |
| Whitman County | 16 | 7 | 1.6% |
| Asotin County | 18 | 4 | 1.4% |
| Stevens County | 19 | 6 | 1.3% |
| Spokane County | 24 | 83 | 1.1% |
| Jefferson County | 24 | 3 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology