Garfield County, WA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 114 mortgage applications in Garfield County, WA totaling $13.1 million, down 12% from 2012. The average application was for $115,000, and applicants reported an average income of $81,000. 48% of applications resulted in an originated loan and 29% were denied. The most active lender was US Bank, N.A., with 37 applications, followed by Sterling Savings Bank and Potlatch No 1 Financial Credit U.
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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 | 114 |
| Total Mortgage Loan Application Amount | $13,135,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $792,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 37 | $ 4,051,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 9,246,172,000 | 14 | $ 1,215,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 521,870,000 | 10 | $ 911,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 8 | $ 866,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 4 | $ 412,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 3 | $ 286,000 |
| Syringa Bank 1299 N ORCHARD ST. BOISE, ID 83706 |
* | $ 170,816,000 | 2 | $ 344,000 |
| Cobalt Mortgage, Inc. 11241 SLATER AVE NE, SUITE 200 KIRKLAND, WA 98033 |
* | $ 10,000,000 | 2 | $ 413,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 241,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 2 | $ 515,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,042,310,000 | 2 | $ 178,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 204,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 2 | $ 292,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 55,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,211,048,000 | 1 | $ 138,000 |
| Global 1500 W 4TH AVE SPOKANE, WA 99201 |
* | $ 359,900,000 | 1 | $ 162,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ 1,222,012,000 | 1 | $ 70,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 4,464,717,000 | 1 | $ 175,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 153,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 280,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 134,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 17,930,123,000 | 1 | $ 68,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 136,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 107,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 1 | $ 25,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 1 | $ 288,000 |
| Panhandle State Bank 414 CHURCH STREET SANDPOINT, ID 83864 |
* | $ 971,491,000 | 1 | $ 56,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 174,000 |
The tables below break down 2013 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 2013
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 | 69 | $8,335,000 | $120,000 | $360,000 | $83,000 | $792,000 |
| Home Purchase | 35 | $3,891,000 | $111,000 | $325,000 | $70,000 | $541,000 |
| Home Improvement | 10 | $909,000 | $90,000 | $192,000 | $102,000 | $513,000 |
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 | 95 | $10,737,000 | $113,000 | $325,000 | $82,000 | $792,000 |
| Not Provided | 12 | $1,682,000 | $140,000 | $360,000 | $99,000 | $513,000 |
| Not applicable | 4 | $373,000 | $93,000 | $132,000 | $27,000 | $57,000 |
| Hispanic | 2 | $185,000 | $92,000 | $100,000 | $33,000 | $34,000 |
| Asian | 1 | $158,000 | $158,000 | $158,000 | $90,000 | $90,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 92 | $10,787,000 | $117,000 | $360,000 | $91,000 | $792,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,164,000 | $89,000 | $117,000 | $40,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 7 | $990,000 | $141,000 | $288,000 | $34,000 | $69,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $194,000 | $97,000 | $100,000 | $36,000 | $39,000 |
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 | 55 | $5,742,000 | $104,000 | $268,000 | $67,000 | $280,000 |
| Application Denied By Financial Institution | 33 | $4,041,000 | $122,000 | $360,000 | $84,000 | $792,000 |
| Loan Purchased By The Institution | 10 | $970,000 | $97,000 | $134,000 | $37,000 | $77,000 |
| Application Withdrawn By Applicant | 7 | $946,000 | $135,000 | $206,000 | $170,000 | $513,000 |
| Application Approved But Not Accepted | 7 | $1,094,000 | $156,000 | $325,000 | $138,000 | $541,000 |
| File Closed For Incompleteness | 2 | $342,000 | $171,000 | $184,000 | $118,000 | $146,000 |
| 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 | 8 | $727,000 | $90,000 | $132,000 | $142,000 | $792,000 |
| Debt-To-Income Ratio | 5 | $525,000 | $105,000 | $176,000 | $42,000 | $75,000 |
| Collateral | 4 | $806,000 | $201,000 | $360,000 | $78,000 | $151,000 |
| Credit Application Incomplete | 3 | $714,000 | $238,000 | $288,000 | $138,000 | $280,000 |
| Other | 3 | $270,000 | $90,000 | $156,000 | $66,000 | $74,000 |
| Unverifiable Information | 2 | $257,000 | $128,000 | $144,000 | $66,000 | $74,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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