Garfield County, WA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 68 mortgage applications in Garfield County, WA totaling $8.1 million, up 8% from 2017. The average application was for $119,000, and applicants reported an average income of $66,000. 56% of applications resulted in an originated loan and 10% were denied. The most active lender was US Bank, N.A., with 11 applications, followed by Potlatch No 1 Financial Credit U and Homestreet Bank.
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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 | 68 |
| Total Mortgage Loan Application Amount | $8,140,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $172,000 |
| 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 |
* | $ 456,025,829,000 | 11 | $ 1,065,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 983,930,000 | 8 | $ 1,220,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 6,700,442,000 | 3 | $ 335,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 3 | $ 265,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 140,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 120,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 2 | $ 360,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 300,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 25,711,323,000 | 2 | $ 260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 190,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 75,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 55,000 |
| Columbia State Bank 1301 A STREET TACOMA, WA 98402 |
* | $ 12,705,766,000 | 1 | $ 265,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 66,080,511,000 | 1 | $ 65,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 125,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 255,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 125,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 85,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ 2,765,325,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 135,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 981,497,000 | 1 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ 1,902,375,000 | 1 | $ 125,000 |
| Skyline Financial Corp. 27001 AGOURA ROAD STE. 350 CALABASAS, CA 91301 |
* | $ -1,000 | 1 | $ 125,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ 414,352,000 | 1 | $ 215,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 295,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 9,479,334,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 85,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2018 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 2018
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 | 41 | $5,135,000 | $125,000 | $295,000 | $65,000 | $172,000 |
| Cash-out Refinancing | 10 | $1,080,000 | $108,000 | $255,000 | $65,000 | $97,000 |
| Refinancing | 9 | $1,345,000 | $149,000 | $375,000 | $76,000 | $132,000 |
| Other Purpose | 5 | $305,000 | $61,000 | $65,000 | $57,000 | $101,000 |
| Home Improvement | 2 | $210,000 | $105,000 | $195,000 | $63,000 | $95,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
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 | 51 | $5,575,000 | $109,000 | $295,000 | $65,000 | $172,000 |
| Not Provided | 11 | $1,725,000 | $156,000 | $375,000 | $72,000 | $122,000 |
| Not applicable | 6 | $840,000 | $140,000 | $265,000 | $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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 45 | $5,395,000 | $119,000 | $375,000 | $70,000 | $172,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,505,000 | $115,000 | $195,000 | $53,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 7 | $895,000 | $127,000 | $235,000 | $72,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $345,000 | $115,000 | $135,000 | $45,000 | $52,000 |
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 | 38 | $4,250,000 | $111,000 | $265,000 | $65,000 | $160,000 |
| Application Withdrawn By Applicant | 9 | $1,095,000 | $121,000 | $255,000 | $69,000 | $136,000 |
| Application Denied By Financial Institution | 7 | $905,000 | $129,000 | $375,000 | $57,000 | $89,000 |
| Loan Purchased By The Institution | 6 | $840,000 | $140,000 | $265,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $805,000 | $161,000 | $295,000 | $84,000 | $172,000 |
| File Closed For Incompleteness | 2 | $140,000 | $70,000 | $85,000 | $36,000 | $55,000 |
| Preapproval Denied by Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $101,000 | $101,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 59 | $6,915,000 | $117,000 | $295,000 | $66,000 | $172,000 |
| Debt-To-Income Ratio | 4 | $550,000 | $137,000 | $215,000 | $62,000 | $101,000 |
| Collateral | 3 | $495,000 | $165,000 | $375,000 | $57,000 | $82,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $82,000 | $82,000 |
| Credit History | 1 | $55,000 | $55,000 | $55,000 | $89,000 | $89,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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