Banner Bank mortgage approval rate & lending review
Banner Bank decided 10,320 mortgage applications and funded 6,097 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Banner Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Banner Bank at a glance
Approval is 9.6 points below the 72.4% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Banner Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| King County, WA | Mortgage lenders | 78% | 506 | 375 |
| King County, WA | Home improvement loans | 61% | 527 | 299 |
| San Diego County, CA | Home improvement loans | 55% | 515 | 267 |
| Pierce County, WA | Mortgage lenders | 78% | 345 | 266 |
| Spokane County, WA | Mortgage lenders | 74% | 312 | 224 |
| Spokane County, WA | Home improvement loans | 67% | 291 | 182 |
| Lane County, OR | Mortgage lenders | 85% | 208 | 175 |
| Los Angeles County, CA | Home improvement loans | 42% | 435 | 167 |
| Whatcom County, WA | Mortgage lenders | 88% | 190 | 166 |
| Snohomish County, WA | Mortgage lenders | 85% | 171 | 143 |
| Snohomish County, WA | Home improvement loans | 60% | 264 | 136 |
| Riverside County, CA | Home improvement loans | 47% | 274 | 123 |
The county markets where Banner Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Banner Bank
What is Banner Bank's mortgage approval rate?
Banner Bank approved 62.7% of the 10,320 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.6 points below the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan Banner Bank offers?
Borrowers accepted 94% of the loans Banner Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Banner Bank make?
The typical home improvement loan loan Banner Bank made was $105K; across all loan types its typical loan ran from $105K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Banner Bank lend?
Banner Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Washington, California and Oregon.
Can I apply to Banner Bank directly?
Yes. Banner Bank is a bank or credit union with 147 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Banner Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Banner Bank treats applications, then get a rate quote from the lender.