Garfield County, WA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 73 mortgage applications in Garfield County, WA totaling $8.7 million, down 36% from 2013. The average application was for $118,000, and applicants reported an average income of $61,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was US Bank, N.A., with 17 applications, followed by Wells Fargo Bank NA and Summit Funding.Inc.
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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 | 73 |
| Total Mortgage Loan Application Amount | $8,668,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $376,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $198,000 |
| 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 |
* | $ 360,478,278,000 | 17 | $ 1,892,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 8 | $ 874,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 6 | $ 404,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 605,577,000 | 4 | $ 317,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 4,430,640,000 | 4 | $ 729,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 11,626,502,000 | 3 | $ 392,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 3 | $ 288,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ 40,000,000 | 2 | $ 358,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 240,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 255,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 193,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,328,711,000 | 1 | $ 136,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 282,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 77,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 65,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 10,304,811,000 | 1 | $ 93,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 64,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 123,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 98,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Twin River National Bank 900 5TH ST CLARKSTON, WA 99403 |
* | $ 80,734,000 | 1 | $ 46,000 |
| Global 1500 W 4TH AVE SPOKANE, WA 99201 |
* | $ 370,567,000 | 1 | $ 243,000 |
| Hapo Community Credit Union 7601 W CLEARWATER AVE KENNEWICK, WA 99336 |
* | $ 1,244,820,000 | 1 | $ 95,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ 1,297,360,000 | 1 | $ 155,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 3,040,697,000 | 1 | $ 73,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 178,000 |
The tables below break down 2014 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 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 44 | $5,187,000 | $117,000 | $362,000 | $54,000 | $150,000 |
| Refinancing | 24 | $3,164,000 | $131,000 | $376,000 | $73,000 | $198,000 |
| Home Improvement | 5 | $317,000 | $63,000 | $109,000 | $70,000 | $116,000 |
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 | 58 | $7,010,000 | $120,000 | $362,000 | $62,000 | $177,000 |
| Not Provided | 9 | $881,000 | $97,000 | $200,000 | $60,000 | $107,000 |
| Not applicable | 5 | $682,000 | $136,000 | $376,000 | $43,000 | $198,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $116,000 | $116,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 50 | $5,754,000 | $115,000 | $376,000 | $66,000 | $198,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,232,000 | $102,000 | $178,000 | $48,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,365,000 | $170,000 | $362,000 | $65,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $317,000 | $105,000 | $133,000 | $21,000 | $49,000 |
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 | 41 | $5,089,000 | $124,000 | $362,000 | $64,000 | $177,000 |
| Application Denied By Financial Institution | 12 | $1,666,000 | $138,000 | $376,000 | $77,000 | $198,000 |
| Application Withdrawn By Applicant | 9 | $841,000 | $93,000 | $179,000 | $52,000 | $126,000 |
| Loan Purchased By The Institution | 8 | $878,000 | $109,000 | $231,000 | $34,000 | $99,000 |
| File Closed For Incompleteness | 2 | $134,000 | $67,000 | $70,000 | $63,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $60,000 | $60,000 | $60,000 | $39,000 | $39,000 |
| 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 | 4 | $351,000 | $87,000 | $179,000 | $56,000 | $81,000 |
| Debt-To-Income Ratio | 4 | $427,000 | $106,000 | $280,000 | $60,000 | $101,000 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $150,000 | $150,000 | $150,000 | $64,000 | $64,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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