Walla Walla County
Washington · FIPS 53071
According to CFPB HMDA 2024 application volume among U.S. counties, Walla Walla County ranks #953 of 3,223, and #22 of 39 in Washington.
Mortgage lending activity in Walla Walla County, Washington based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Walla Walla County, Washington lenders denied 296 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Walla Walla County
In Walla Walla County, lead originator Gesa Credit Union funded 12.2% of 1,075 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Walla Walla County's 1,952 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Walla Walla County's $264,626 average loan (deduped against volume peers).
Lenders active in Walla Walla County
Gesa Credit Union funded 131 of the 1,075 loans originated in Walla Walla County, 12.2% of the county. 146 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Walla Walla County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Walla Walla County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.