Banner Bank
3,391 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,391
- Median rate
- 7.000%
- Median lender fees
- $8,382
- Median loan amount
- $205,000
- Median spread over APOR
- 0.300
- Paid discount points
- 30%
- Received lender credits
- 31.6%
- Purchases / refinances
- 40.3% / 12%
- Conventional / FHA / VA
- 95% / 3.7% / 1.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 36.7% of loans here — see methodology.
Where Banner Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Washington | 1,842 | $8,597 | 7.000% |
| Oregon | 786 | $7,561 | 6.875% |
| California | 627 | $9,551 | 7.563% |
| Idaho | 135 | — | 6.740% |