Action Mortgage Company Mortgage Lending & HMDA Data, 2004
In 2004, Action Mortgage Company of Spokane, WA reported 4,446 mortgage applications totaling $694.0 million, down 18% from 2003. The average application was for $156,092, and applicants reported an average income of $69,690. 57% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Spokane, WA (1,023), Boise City-Nampa, ID (412) and Seattle-Bellevue-Everett, WA (312) (applications in parentheses).
| Mortgage Company & Address | Action Mortgage Company 111 N Wall Spokane, WA 99201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 4,446 |
| Total Mortgage Loan Application Amount | $693,986,000 |
| Average Mortgage Loan Application Amount | $156,092 |
| Highest Mortgage Loan Application Amount | $2,120,000 |
| Average Applicant Income | $69,690 |
| Highest Applicant Income | $2,017,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Action Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Spokane, Washington | 1,023 | $ 143,005,000 | $ 139,789 | $ 58,000 |
| King, Washington | 275 | $ 79,951,000 | $ 290,730 | $ 108,000 |
| Ada, Idaho | 268 | $ 35,604,000 | $ 132,850 | $ 67,000 |
| Benton, Washington | 198 | $ 28,280,000 | $ 142,828 | $ 71,000 |
| Kootenai, Idaho | 197 | $ 27,688,000 | $ 140,548 | $ 66,000 |
| Canyon, Idaho | 123 | $ 14,504,000 | $ 117,918 | $ 47,000 |
| Deschutes, Oregon | 114 | $ 18,924,000 | $ 166,000 | $ 81,000 |
| Coos, Oregon | 112 | $ 16,685,000 | $ 148,973 | $ 74,000 |
| Klamath, Oregon | 106 | $ 12,660,000 | $ 119,433 | $ 51,000 |
| Yellowstone, Montana | 101 | $ 12,448,000 | $ 123,247 | $ 45,000 |
| Pierce, Washington | 95 | $ 16,539,000 | $ 174,094 | $ 77,000 |
| Clark, Washington | 82 | $ 15,523,000 | $ 189,304 | $ 64,000 |
| Multnomah, Oregon | 80 | $ 16,884,000 | $ 211,050 | $ 83,000 |
| Valley, Idaho | 72 | $ 10,782,000 | $ 149,750 | $ 56,000 |
| Gallatin, Montana | 71 | $ 12,123,000 | $ 170,746 | $ 68,000 |
| Grant, Washington | 66 | $ 7,982,000 | $ 120,939 | $ 63,000 |
| Jackson, Oregon | 61 | $ 13,420,000 | $ 220,000 | $ 97,000 |
| Franklin, Washington | 54 | $ 6,568,000 | $ 121,629 | $ 57,000 |
| Kittitas, Washington | 52 | $ 7,879,000 | $ 151,519 | $ 85,000 |
| Thurston, Washington | 51 | $ 8,614,000 | $ 168,901 | $ 63,000 |
| Clackamas, Oregon | 48 | $ 9,802,000 | $ 204,208 | $ 70,000 |
| Washington, Oregon | 48 | $ 11,700,000 | $ 243,750 | $ 84,000 |
| Lewis, Washington | 48 | $ 5,636,000 | $ 117,416 | $ 53,000 |
| Stevens, Washington | 41 | $ 5,335,000 | $ 130,121 | $ 49,000 |
| Nez Perce, Idaho | 39 | $ 3,766,000 | $ 96,564 | $ 45,000 |
| Walla Walla, Washington | 38 | $ 5,644,000 | $ 148,526 | $ 72,000 |
| Asotin, Washington | 37 | $ 2,788,000 | $ 75,351 | $ 46,000 |
| Snohomish, Washington | 37 | $ 8,654,000 | $ 233,891 | $ 98,000 |
| Tillamook, Oregon | 33 | $ 3,618,000 | $ 109,636 | $ 72,000 |
| Whitman, Washington | 31 | $ 3,043,000 | $ 98,161 | $ 62,000 |
| Park, Montana | 30 | $ 3,401,000 | $ 113,366 | $ 61,000 |
| Umatilla, Oregon | 29 | $ 2,920,000 | $ 100,689 | $ 47,000 |
| Idaho, Idaho | 27 | $ 2,962,000 | $ 109,703 | $ 55,000 |
| Missoula, Montana | 26 | $ 4,249,000 | $ 163,423 | $ 85,000 |
| Marion, Oregon | 26 | $ 4,586,000 | $ 176,384 | $ 66,000 |
| Maricopa, Arizona | 25 | $ 7,235,000 | $ 289,400 | $ 92,000 |
| Bonner, Idaho | 24 | $ 4,879,000 | $ 203,291 | $ 174,000 |
| Curry, Oregon | 24 | $ 4,074,000 | $ 169,750 | $ 62,000 |
| Union, Oregon | 24 | $ 2,679,000 | $ 111,625 | $ 63,000 |
| Grays Harbor, Washington | 22 | $ 2,563,000 | $ 116,500 | $ 56,000 |
| Yakima, Washington | 22 | $ 2,793,000 | $ 126,954 | $ 57,000 |
| Whatcom, Washington | 21 | $ 4,335,000 | $ 206,428 | $ 112,000 |
| Clallam, Washington | 20 | $ 2,336,000 | $ 116,800 | $ 55,000 |
| Okanogan, Washington | 20 | $ 1,515,000 | $ 75,750 | $ 51,000 |
| Lane, Oregon | 19 | $ 2,162,000 | $ 113,789 | $ 37,000 |
| Linn, Oregon | 18 | $ 2,129,000 | $ 118,277 | $ 232,000 |
| Yamhill, Oregon | 17 | $ 2,682,000 | $ 157,764 | $ 61,000 |
| Crook, Oregon | 15 | $ 2,732,000 | $ 182,133 | $ 62,000 |
| Ravalli, Montana | 14 | $ 2,576,000 | $ 184,000 | $ 85,000 |
| Clark, Nevada | 14 | $ 3,646,000 | $ 260,428 | $ 335,000 |
| Douglas, Oregon | 14 | $ 1,687,000 | $ 120,500 | $ 71,000 |
| Adams, Washington | 13 | $ 1,424,000 | $ 109,538 | $ 53,000 |
| Latah, Idaho | 12 | $ 1,324,000 | $ 110,333 | $ 49,000 |
| Clatsop, Oregon | 12 | $ 2,488,000 | $ 207,333 | $ 79,000 |
| Pend Oreille, Washington | 12 | $ 1,343,000 | $ 111,916 | $ 43,000 |
| Baker, Oregon | 11 | $ 1,087,000 | $ 98,818 | $ 51,000 |
| Malheur, Oregon | 11 | $ 1,007,000 | $ 91,545 | $ 50,000 |
| Polk, Oregon | 11 | $ 1,893,000 | $ 172,090 | $ 74,000 |
| Kitsap, Washington | 11 | $ 3,109,000 | $ 282,636 | $ 137,000 |
| Adams, Idaho | 10 | $ 1,565,000 | $ 156,500 | $ 102,000 |
| Boise, Idaho | 9 | $ 1,461,000 | $ 162,333 | $ 55,000 |
| Payette, Idaho | 9 | $ 1,039,000 | $ 115,444 | $ 51,000 |
| Washington, Idaho | 9 | $ 705,000 | $ 78,333 | $ 123,000 |
| Benton, Oregon | 9 | $ 2,807,000 | $ 311,888 | $ 174,000 |
| Columbia, Oregon | 9 | $ 1,092,000 | $ 121,333 | $ 53,000 |
| Sweet Grass, Montana | 8 | $ 1,056,000 | $ 132,000 | $ 76,000 |
| Josephine, Oregon | 8 | $ 1,955,000 | $ 244,375 | $ 99,000 |
| Douglas, Washington | 8 | $ 1,135,000 | $ 141,875 | $ 58,000 |
| Gem, Idaho | 7 | $ 815,000 | $ 116,428 | $ 45,000 |
| Lewis, Idaho | 7 | $ 781,000 | $ 111,571 | $ 49,000 |
| Shoshone, Idaho | 7 | $ 414,000 | $ 59,142 | $ 69,000 |
| Lincoln, Washington | 7 | $ 575,000 | $ 82,142 | $ 63,000 |
| Honolulu, Hawaii | 6 | $ 2,211,000 | $ 368,500 | $ 108,000 |
| Clearwater, Idaho | 6 | $ 676,000 | $ 112,666 | $ 72,000 |
| Wallowa, Oregon | 6 | $ 493,000 | $ 82,166 | $ 52,000 |
| Chelan, Washington | 6 | $ 1,182,000 | $ 197,000 | $ 86,000 |
| Island, Washington | 6 | $ 1,403,000 | $ 233,833 | $ 69,000 |
| Klickitat, Washington | 6 | $ 644,000 | $ 107,333 | $ 54,000 |
| Butte, California | 5 | $ 645,000 | $ 129,000 | $ 88,000 |
| Benewah, Idaho | 5 | $ 608,000 | $ 121,600 | $ 47,000 |
| Owyhee, Idaho | 5 | $ 610,000 | $ 122,000 | $ 47,000 |
| Stillwater, Montana | 5 | $ 677,000 | $ 135,400 | $ 48,000 |
| Lake, Oregon | 5 | $ 555,000 | $ 111,000 | $ 41,000 |
| Mason, Washington | 5 | $ 727,000 | $ 145,400 | $ 144,000 |
| Pima, Arizona | 4 | $ 293,000 | $ 73,250 | $ 50,000 |
| Yavapai, Arizona | 4 | $ 511,000 | $ 127,750 | $ 72,000 |
| San Joaquin, California | 4 | $ 1,196,000 | $ 299,000 | $ 90,000 |
| Lincoln, Oregon | 4 | $ 759,000 | $ 189,750 | $ 73,000 |
| Garfield, Washington | 4 | $ 531,000 | $ 132,750 | $ 62,000 |
| Graham, Arizona | 3 | $ 234,000 | $ 78,000 | $ 43,000 |
| Siskiyou, California | 3 | $ 341,000 | $ 113,666 | $ 69,000 |
| Carbon, Montana | 3 | $ 374,000 | $ 124,666 | $ 60,000 |
| Lincoln, Montana | 3 | $ 354,000 | $ 118,000 | $ 22,000 |
| Jefferson, Oregon | 3 | $ 375,000 | $ 125,000 | $ 63,000 |
| Cowlitz, Washington | 3 | $ 201,000 | $ 67,000 | $ 62,000 |
| Skagit, Washington | 3 | $ 522,000 | $ 174,000 | $ 56,000 |
| Pinal, Arizona | 2 | $ 518,000 | $ 259,000 | $ 76,000 |
| Yuma, Arizona | 2 | $ 244,000 | $ 122,000 | $ 76,000 |
| Kern, California | 2 | $ 128,000 | $ 64,000 | $ 78,000 |
| San Diego, California | 2 | $ 1,222,000 | $ 611,000 | $ 284,000 |
| Shasta, California | 2 | $ 314,000 | $ 157,000 | $ 88,000 |
| Stanislaus, California | 2 | $ 472,000 | $ 236,000 | $ 78,000 |
| Elmore, Idaho | 2 | $ 68,000 | $ 34,000 | $ 38,000 |
| Gooding, Idaho | 2 | $ 280,000 | $ 140,000 | $ 41,000 |
| Power, Idaho | 2 | $ 91,000 | $ 45,500 | $ 57,000 |
| Custer, Montana | 2 | $ 170,000 | $ 85,000 | $ 34,000 |
| Flathead, Montana | 2 | $ 297,000 | $ 148,500 | $ 146,000 |
| Hill, Montana | 2 | $ 174,000 | $ 87,000 | $ 0 |
| Lewis and Clark, Montana | 2 | $ 349,000 | $ 174,500 | $ 56,000 |
| Taos, New Mexico | 2 | $ 519,000 | $ 259,500 | $ 872,000 |
| Hood River, Oregon | 2 | $ 613,000 | $ 306,500 | $ 211,000 |
| Morrow, Oregon | 2 | $ 210,000 | $ 105,000 | $ 29,000 |
| Pacific, Washington | 2 | $ 140,000 | $ 70,000 | $ 65,000 |
| Ketchikan Gateway, Alaska | 1 | $ 143,000 | $ 143,000 | $ 11,000 |
| Cochise, Arizona | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Gila, Arizona | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Santa Cruz, Arizona | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Alameda, California | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Fresno, California | 1 | $ 266,000 | $ 266,000 | $ 62,000 |
| Lake, California | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Madera, California | 1 | $ 250,000 | $ 250,000 | $ 80,000 |
| Marin, California | 1 | $ 383,000 | $ 383,000 | $ 104,000 |
| Napa, California | 1 | $ 150,000 | $ 150,000 | $ 47,000 |
| Orange, California | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Riverside, California | 1 | $ 200,000 | $ 200,000 | $ 7,000 |
| San Mateo, California | 1 | $ 300,000 | $ 300,000 | $ 172,000 |
| Sonoma, California | 1 | $ 106,000 | $ 106,000 | $ 130,000 |
| Douglas, Colorado | 1 | $ 603,000 | $ 603,000 | $ 305,000 |
| Bear Lake, Idaho | 1 | $ 124,000 | $ 124,000 | $ 93,000 |
| Blaine, Idaho | 1 | $ 334,000 | $ 334,000 | $ 210,000 |
| Bonneville, Idaho | 1 | $ 103,000 | $ 103,000 | $ 121,000 |
| Jerome, Idaho | 1 | $ 67,000 | $ 67,000 | $ 61,000 |
| Twin Falls, Idaho | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| Cook, Illinois | 1 | $ 328,000 | $ 328,000 | $ 57,000 |
| Adams, Indiana | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Allegan, Michigan | 1 | $ 176,000 | $ 176,000 | $ 49,000 |
| Kent, Michigan | 1 | $ 170,000 | $ 170,000 | $ 132,000 |
| Livingston, Michigan | 1 | $ 230,000 | $ 230,000 | $ 53,000 |
| Muskegon, Michigan | 1 | $ 86,000 | $ 86,000 | $ 37,000 |
| Ottawa, Michigan | 1 | $ 120,000 | $ 120,000 | $ 23,000 |
| Wayne, Michigan | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Boone, Missouri | 1 | $ 140,000 | $ 140,000 | $ 44,000 |
| Big Horn, Montana | 1 | $ 73,000 | $ 73,000 | $ 197,000 |
| Deer Lodge, Montana | 1 | $ 110,000 | $ 110,000 | $ 106,000 |
| Fergus, Montana | 1 | $ 150,000 | $ 150,000 | $ 24,000 |
| Madison, Montana | 1 | $ 209,000 | $ 209,000 | $ 47,000 |
| Meagher, Montana | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Mineral, Montana | 1 | $ 42,000 | $ 42,000 | $ 27,000 |
| Musselshell, Montana | 1 | $ 79,000 | $ 79,000 | $ 34,000 |
| Rosebud, Montana | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Silver Bow, Montana | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| San Juan, New Mexico | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Wasco, Oregon | 1 | $ 113,000 | $ 113,000 | $ 68,000 |
| Minnehaha, South Dakota | 1 | $ 134,000 | $ 134,000 | $ 58,000 |
| Harris, Texas | 1 | $ 130,000 | $ 130,000 | $ 119,000 |
| Cache, Utah | 1 | $ 133,000 | $ 133,000 | $ 96,000 |
| Washington, Utah | 1 | $ 162,000 | $ 162,000 | $ 145,000 |
| Warren, Virginia | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Columbia, Washington | 1 | $ 94,000 | $ 94,000 | $ 59,000 |
| Ferry, Washington | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Skamania, Washington | 1 | $ 177,000 | $ 177,000 | $ 33,000 |
| Campbell, Wyoming | 1 | $ 192,000 | $ 192,000 | $ 62,000 |
| Sheridan, Wyoming | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Teton, Wyoming | 1 | $ 300,000 | $ 300,000 | $ 960,000 |
Mortgage Loan Application Detail Totals for Action Mortgage Company 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,675 | $402,187,000 | $207,117 | $2,016,000 | $107,352 | $2,017,000 |
| Refinancing | 1,771 | $291,799,000 | $209,125 | $2,120,000 | $160,687 | $1,962,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 3,702 | $567,439,000 | $200,052 | $2,120,000 | $153,157 | $2,017,000 |
| Not Provided | 368 | $59,363,000 | $170,000 | $1,323,000 | $64,714 | $1,050,000 |
| Hispanic | 143 | $17,120,000 | $118,428 | $486,000 | $50,000 | $300,000 |
| Asian | 123 | $30,709,000 | $339,625 | $1,000,000 | $141,625 | $518,000 |
| Not applicable | 40 | $8,821,000 | $199,750 | $1,280,000 | $9,000 | $110,000 |
| Black or African American | 27 | $5,288,000 | $157,250 | $800,000 | $84,000 | $558,000 |
| American Indian or Alaskan Native | 26 | $3,047,000 | $113,333 | $330,000 | $61,666 | $604,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $2,199,000 | $105,800 | $334,000 | $72,000 | $227,000 |
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) | 3,864 | $628,057,000 | $217,333 | $2,120,000 | $150,095 | $2,017,000 |
| FHA-insured (Federal Housing Administration) | 463 | $49,756,000 | $110,800 | $223,000 | $33,200 | $350,000 |
| VA-guaranteed (Veterans Administration) | 117 | $15,950,000 | $133,750 | $279,000 | $46,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $223,000 | $111,500 | $161,000 | $40,000 | $56,000 |
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 | 2,512 | $406,003,000 | $220,571 | $2,120,000 | $126,000 | $2,017,000 |
| Application Denied By Financial Institution | 879 | $127,256,000 | $158,300 | $1,323,000 | $53,500 | $543,000 |
| Application Approved But Not Accepted | 764 | $112,461,000 | $152,666 | $1,000,000 | $104,000 | $872,000 |
| Application Withdrawn By Applicant | 269 | $43,593,000 | $228,000 | $1,600,000 | $219,428 | $960,000 |
| Loan Purchased By The Institution | 21 | $4,551,000 | $213,444 | $484,000 | $80,666 | $197,000 |
| File Closed For Incompleteness | 1 | $122,000 | $122,000 | $122,000 | $95,000 | $95,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 298 | $46,612,000 | $165,285 | $500,000 | $75,142 | $543,000 |
| Debt-To-Income Ratio | 190 | $30,843,000 | $191,666 | $1,323,000 | $38,166 | $192,000 |
| Credit History | 169 | $21,333,000 | $114,500 | $564,000 | $52,000 | $187,000 |
| Credit Application Incomplete | 112 | $14,786,000 | $139,333 | $405,000 | $45,833 | $350,000 |
| Collateral | 64 | $7,813,000 | $114,200 | $391,000 | $68,600 | $341,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,421,000 | $144,400 | $250,000 | $70,200 | $373,000 |
| Employment History | 16 | $1,834,000 | $115,000 | $341,000 | $74,250 | $207,000 |
| Unverifiable Information | 11 | $1,614,000 | $158,250 | $358,000 | $54,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Action Mortgage Company's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Action Mortgage Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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