Garfield County, WA Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 171 mortgage applications in Garfield County, WA totaling $14.5 million, up 8% from 2003. The average application was for $85,000, and applicants reported an average income of $58,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was US Bank North Dakota, with 15 applications, followed by Sterling Savings Bank and Beneficial.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 171 |
| Total Mortgage Loan Application Amount | $14,535,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $386,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $700,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 15 | $ 850,000 |
| Sterling Savings Bank 111 N WALL SPOKANE, WA 99205 |
* | $ 3,506,000,000 | 13 | $ 440,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 13 | $ 657,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 13 | $ 943,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 11 | $ 1,021,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 8 | $ 729,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 8 | $ 613,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 649,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 5 | $ 321,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 4 | $ 204,000 |
| Bank of Whitman 201 S. MAIN STREET/PO BOX 270 COLFAX, WA 99111 |
* | $ 269,258,000 | 4 | $ 324,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 4 | $ 909,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 459,000 |
| Action Mortgage Company 111 N WALL SPOKANE, WA 99201 |
* | $ 1,511,681,000 | 4 | $ 531,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 3 | $ 382,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 163,020,000 | 3 | $ 233,000 |
| Rateone Home Loans,Llc 7660 INDUSTRIAL RD.,STE.201B LAS VEGAS, NV 89139 |
* | $ 10,000,000 | 3 | $ 503,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 170,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 3 | $ 237,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 2 | $ 130,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 142,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 259,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 188,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 225,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 448,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 1 | $ 139,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 1 | $ 10,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 1 | $ 99,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 64,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,312,912,000 | 1 | $ 21,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 72,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Baker Boyer National Bank 7 W. MAIN WALLA WALLA, WA 99362 |
* | $ 388,686,000 | 1 | $ 72,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 78,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 1 | $ 54,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 47,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 50,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Inspirus Credit Union 5200 SOUTHCENTER BLVD SEATTLE, WA 98188 |
* | $ 599,664,000 | 1 | $ 17,000 |
| Sea Breeze Financial Svcs, Inc 18191 VON KARMAN AVE #150 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 251,000 |
| Homefield Financial, Inc. 410 EXCHANGE, SUITE 100 IRVINE, CA 92602 |
* | $ 10,000,000 | 1 | $ 245,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 1 | $ 290,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 93,000 |
| Wheatland Bank 222 N WALL SUITE 100 SPOKANE, WA 99201 |
* | $ 151,354,000 | 1 | $ 20,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 10,650,635,000 | 1 | $ 100,000 |
| Wells Fargo Fin'l Idaho, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 100,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 66,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 60,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 1 | $ 42,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 100,000 |
The tables below break down 2004 mortgage applications in Garfield County, WA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Garfield County, WA in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 96 | $8,356,000 | $87,000 | $315,000 | $59,000 | $700,000 |
| Home Purchase | 51 | $4,686,000 | $91,000 | $208,000 | $61,000 | $192,000 |
| Home Improvement | 24 | $1,493,000 | $62,000 | $386,000 | $49,000 | $159,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 136 | $11,274,000 | $82,000 | $386,000 | $65,000 | $700,000 |
| Not Provided | 31 | $2,872,000 | $92,000 | $290,000 | $38,000 | $112,000 |
| Not applicable | 2 | $159,000 | $79,000 | $93,000 | $24,000 | $49,000 |
| Asian | 1 | $208,000 | $208,000 | $208,000 | $0 | $0 |
| Hispanic | 1 | $22,000 | $22,000 | $22,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 165 | $14,112,000 | $85,000 | $386,000 | $60,000 | $700,000 |
| VA-guaranteed (Veterans Administration) | 4 | $284,000 | $71,000 | $95,000 | $20,000 | $41,000 |
| FHA-insured (Federal Housing Administration) | 2 | $139,000 | $69,000 | $79,000 | $34,000 | $43,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 73 | $5,512,000 | $75,000 | $386,000 | $56,000 | $192,000 |
| Application Denied By Financial Institution | 50 | $4,118,000 | $82,000 | $290,000 | $49,000 | $166,000 |
| Application Withdrawn By Applicant | 25 | $2,738,000 | $109,000 | $315,000 | $110,000 | $700,000 |
| File Closed For Incompleteness | 9 | $747,000 | $83,000 | $171,000 | $38,000 | $76,000 |
| Application Approved But Not Accepted | 8 | $922,000 | $115,000 | $168,000 | $47,000 | $101,000 |
| Loan Purchased By The Institution | 6 | $498,000 | $83,000 | $107,000 | $26,000 | $49,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,172,000 | $61,000 | $167,000 | $45,000 | $104,000 |
| Other | 9 | $853,000 | $94,000 | $185,000 | $58,000 | $159,000 |
| Collateral | 8 | $769,000 | $96,000 | $184,000 | $52,000 | $104,000 |
| Credit Application Incomplete | 3 | $218,000 | $72,000 | $88,000 | $110,000 | $166,000 |
| Debt-To-Income Ratio | 2 | $87,000 | $43,000 | $57,000 | $38,000 | $41,000 |
| Unverifiable Information | 1 | $29,000 | $29,000 | $29,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $290,000 | $290,000 | $290,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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