Garfield County, WA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 102 mortgage applications in Garfield County, WA totaling $10.7 million, up 40% from 2014. The average application was for $104,000, and applicants reported an average income of $60,000. 41% of applications resulted in an originated loan and 26% were denied. The most active lender was US Bank, N.A., with 22 applications, followed by Potlatch No 1 Financial Credit U and Wells Fargo Bank NA.
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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 | 102 |
| Total Mortgage Loan Application Amount | $10,708,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $326,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $196,000 |
| 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 |
* | $ 398,978,359,000 | 22 | $ 2,140,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 687,943,000 | 16 | $ 1,917,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 9 | $ 704,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 22,612,839,000 | 8 | $ 784,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 5 | $ 534,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 472,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 365,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 3,513,885,000 | 3 | $ 332,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,483,767,000 | 2 | $ 226,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 2 | $ 195,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Columbia State Bank 1301 A STREET TACOMA, WA 98402 |
* | $ 8,574,401,000 | 2 | $ 238,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 72,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 110,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 82,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 4,767,725,000 | 1 | $ 166,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 35,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 233,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 45,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ 10,000,000 | 1 | $ 205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 54,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 14,493,978,000 | 1 | $ 188,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 211,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 179,000 |
| Hapo Community Credit Union 7601 W CLEARWATER AVE KENNEWICK, WA 99336 |
* | $ 1,238,532,000 | 1 | $ 179,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 668,685,000 | 1 | $ 77,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 77,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 19,078,815,000 | 1 | $ 70,000 |
The tables below break down 2015 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 2015
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 | 50 | $4,766,000 | $95,000 | $233,000 | $60,000 | $196,000 |
| Home Purchase | 47 | $5,423,000 | $115,000 | $326,000 | $62,000 | $186,000 |
| Home Improvement | 5 | $519,000 | $103,000 | $250,000 | $42,000 | $139,000 |
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 | 89 | $9,287,000 | $104,000 | $326,000 | $63,000 | $196,000 |
| Not Provided | 8 | $831,000 | $103,000 | $184,000 | $57,000 | $117,000 |
| Not applicable | 4 | $442,000 | $110,000 | $211,000 | $0 | $0 |
| Hispanic | 1 | $148,000 | $148,000 | $148,000 | $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 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 76 | $8,253,000 | $108,000 | $326,000 | $68,000 | $196,000 |
| FHA-insured (Federal Housing Administration) | 11 | $946,000 | $86,000 | $131,000 | $41,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $619,000 | $77,000 | $93,000 | $30,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 7 | $890,000 | $127,000 | $233,000 | $37,000 | $51,000 |
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 | 42 | $4,770,000 | $113,000 | $326,000 | $62,000 | $196,000 |
| Application Denied By Financial Institution | 27 | $2,710,000 | $100,000 | $250,000 | $52,000 | $171,000 |
| Application Withdrawn By Applicant | 18 | $1,586,000 | $88,000 | $188,000 | $71,000 | $196,000 |
| Loan Purchased By The Institution | 7 | $709,000 | $101,000 | $211,000 | $29,000 | $105,000 |
| File Closed For Incompleteness | 4 | $398,000 | $99,000 | $157,000 | $98,000 | $133,000 |
| Application Approved But Not Accepted | 4 | $535,000 | $133,000 | $230,000 | $56,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $810,000 | $101,000 | $250,000 | $53,000 | $139,000 |
| Credit History | 5 | $263,000 | $52,000 | $92,000 | $44,000 | $81,000 |
| Debt-To-Income Ratio | 5 | $504,000 | $100,000 | $227,000 | $37,000 | $75,000 |
| Other | 2 | $276,000 | $138,000 | $233,000 | $25,000 | $51,000 |
| Unverifiable Information | 1 | $187,000 | $187,000 | $187,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $98,000 | $98,000 |
| 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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