Purchase Originations
902
Ranked #406 nationally
Median Total Costs
$10,443
+56.3% vs national ($6,680)
↓ $170 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$5,037
Median Lender Credits
$300
Cost Rank (500+ vol.)
#557
among lenders with 500+ originations
Denial Rate
20.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 788 | 6.875% | $9,604 | $5,334 |
| fha | 78 | 6.000% | $13,597 | $3,996 |
| va | 29 | 6.000% | $10,441 | $3,612 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 544 | 6.875% | $10,414 | #31 |
| Oregon | 235 | 6.500% | $9,091 | #37 |
| California | 93 | 7.125% | $14,020 | #209 |
| Idaho | 30 | 6.500% | $10,450 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,340 | 6.688% | — | 50 | −$5,103 | |
| 2 | $5,761 | 6.500% | — | 33 | −$4,682 | |
| 3 | $5,798 | 6.250% | — | 17 | −$4,645 | |
| 4 | $6,509 | 6.750% | — | 36 | −$3,934 | |
| 5 | $6,541 | 6.750% | — | 15 | −$3,902 | |
| 6 | $6,953 | 6.875% | — | 28 | −$3,490 | |
| 7 | $7,915 | 6.125% | — | 46 | −$2,528 | |
| 8 | $8,525 | 6.375% | — | 19 | −$1,918 | |
| 9 | $9,512 | 6.625% | — | 41 | −$931 | |
| 10 | $9,537 | 6.438% | — | 16 | −$906 | |
| 11 | $9,552 | 6.500% | — | 28 | −$891 | |
| 12 | $9,668 | 7.125% | — | 42 | −$775 | |
| 13 | $9,917 | 6.875% | — | 56 | −$526 | |
| 14 | $10,404 | 6.375% | — | 22 | −$39 | |
| 15 | $11,773 | 7.125% | — | 18 | +$1,330 | |
| 16 | $12,018 | 7.375% | — | 17 | +$1,575 | |
| 17 | $12,174 | 6.750% | — | 44 | +$1,731 | |
| 18 | $12,520 | 6.750% | — | 16 | +$2,077 | |
| 19 | $12,752 | 6.875% | — | 14 | +$2,309 | |
| 20 | $14,611 | 6.812% | — | 50 | +$4,168 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Banner Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $10,443 | $7,127 | +$3,316 (+46.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.