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2024 data HMDA 2024 disclosure official source

Walla Walla County

1,952 mortgage applications, 15.2% denial rate. Verify FIPS 53071 with U.S. Census Bureau →

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Washington · FIPS 53071

Local mortgage market. Walla Walla County, Washington saw 1,952 HMDA-reported mortgage applications in 2024. Lenders originated 1,075 of those loans and denied 296, producing a denial rate of 15.2% and an approval (origination) rate of 55.1%. The average loan amount was $264,626 at an average note rate of 7.19%, with applicants self-reporting average annual income of $38K. 146 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 53071 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,952
Applications
1,075
Originated
15.2%
Denial Rate
55.1%
Approval Rate
$264,626
Avg Loan Amount
7.19%
Avg Interest Rate
$38K
Avg Applicant Income
7.0x
Loan-to-Income Ratio

Nearby Lenders in Walla Walla County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Gesa Credit Union 131 12.2%
2 Premier Mortgage Resources, LLC 89 8.3%
3 Guild Mortgage Company 72 6.7%
4 Rocket Mortgage 63 5.9%
5 Banner Bank 61 5.7%
Compare Gesa Credit Union vs Premier Mortgage Resources, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Walla Walla County?
In the 2024 HMDA reporting year, 1,952 mortgage applications were filed in Walla Walla County, Washington. Of these, 1,075 were originated (approved and funded), while 296 were denied, resulting in a denial rate of 15.2%.
What is the mortgage denial rate in Walla Walla County?
The mortgage denial rate in Walla Walla County is 15.2%. The approval (origination) rate is 55.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Walla Walla County?
The average mortgage loan amount in Walla Walla County is $264,626. The average interest rate is 7.192%. The average applicant income is $38K.
What is the loan-to-income ratio in Walla Walla County?
The average loan-to-income ratio in Walla Walla County is 7.0x, meaning borrowers took on loans averaging 7.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Walla Walla County?
The top mortgage lenders in Walla Walla County by origination volume are Gesa Credit Union, Premier Mortgage Resources, LLC, Guild Mortgage Company. In total, 146 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.