Golf Savings Bank Mortgage Lending & HMDA Data, 2010

In 2010, Golf Savings Bank of Mountlake Terrace, WA reported 18,846 mortgage applications totaling $4.4 billion. The average application was for $232,168, and applicants reported an average income of $90,427. 58% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (6,041), Kennewick-Pasco-Richland, WA (1,557) and Portland-Vancouver-Hillsboro, OR-WA (1,377) (applications in parentheses).

Mortgage Company & Address Golf Savings Bank
6505 218th St Sw Suite 6
Mountlake Terrace, WA 98043
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  
Total Number of Mortgage Applications 18,846
Total Mortgage Loan Application Amount $4,375,448,000
Average Mortgage Loan Application Amount $232,168
Highest Mortgage Loan Application Amount $2,279,000
Average Applicant Income $90,427
Highest Applicant Income $2,713,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Golf Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Golf Savings Bank by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
King, Washington 4,316 $ 1,375,814,000 $ 318,770 $ 122,000
Snohomish, Washington 1,725 $ 447,814,000 $ 259,602 $ 86,000
Pierce, Washington 1,128 $ 269,922,000 $ 239,292 $ 85,000
Benton, Washington 1,105 $ 205,696,000 $ 186,150 $ 86,000
Spokane, Washington 765 $ 128,010,000 $ 167,333 $ 64,000
Kitsap, Washington 737 $ 171,552,000 $ 232,770 $ 86,000
Ada, Idaho 613 $ 97,050,000 $ 158,319 $ 85,000
Whatcom, Washington 594 $ 141,001,000 $ 237,375 $ 93,000
Franklin, Washington 452 $ 78,910,000 $ 174,579 $ 71,000
Lane, Oregon 446 $ 91,596,000 $ 205,372 $ 67,000
Yakima, Washington 438 $ 68,911,000 $ 157,331 $ 61,000
Multnomah, Oregon 356 $ 83,391,000 $ 234,244 $ 94,000
Thurston, Washington 343 $ 77,553,000 $ 226,102 $ 82,000
Clark, Washington 332 $ 69,701,000 $ 209,942 $ 82,000
Washington, Oregon 330 $ 77,997,000 $ 236,354 $ 85,000
Canyon, Idaho 299 $ 33,665,000 $ 112,591 $ 50,000
Skagit, Washington 269 $ 59,348,000 $ 220,624 $ 77,000
Coos, Oregon 249 $ 41,629,000 $ 167,184 $ 61,000
Clackamas, Oregon 218 $ 58,359,000 $ 267,701 $ 106,000
Grant, Washington 212 $ 37,103,000 $ 175,014 $ 75,000
Kootenai, Idaho 207 $ 39,480,000 $ 190,724 $ 111,000
Jackson, Oregon 189 $ 35,754,000 $ 189,174 $ 58,000
Missoula, Montana 186 $ 40,946,000 $ 220,139 $ 74,000
Klamath, Oregon 138 $ 21,943,000 $ 159,007 $ 71,000
Marion, Oregon 135 $ 24,173,000 $ 179,059 $ 62,000
Linn, Oregon 126 $ 22,414,000 $ 177,888 $ 79,000
Deschutes, Oregon 124 $ 26,139,000 $ 210,798 $ 107,000
Lewis, Washington 123 $ 20,485,000 $ 166,544 $ 64,000
Kittitas, Washington 122 $ 23,077,000 $ 189,155 $ 103,000
Nez Perce, Idaho 109 $ 15,707,000 $ 144,100 $ 54,000
Island, Washington 96 $ 23,617,000 $ 246,010 $ 88,000
Yellowstone, Montana 95 $ 16,963,000 $ 178,557 $ 93,000
Mason, Washington 90 $ 19,633,000 $ 218,144 $ 94,000
Kern, California 87 $ 16,839,000 $ 193,551 $ 81,000
Asotin, Washington 85 $ 11,370,000 $ 133,764 $ 56,000
Yamhill, Oregon 71 $ 15,659,000 $ 220,549 $ 73,000
Columbia, Oregon 63 $ 12,767,000 $ 202,650 $ 85,000
Grays Harbor, Washington 63 $ 10,593,000 $ 168,142 $ 80,000
Douglas, Oregon 61 $ 10,361,000 $ 169,852 $ 83,000
Malheur, Oregon 58 $ 6,137,000 $ 105,810 $ 57,000
Cowlitz, Washington 58 $ 9,786,000 $ 168,724 $ 69,000
Walla Walla, Washington 57 $ 10,083,000 $ 176,894 $ 76,000
Josephine, Oregon 55 $ 10,599,000 $ 192,709 $ 63,000
Ravalli, Montana 50 $ 8,643,000 $ 172,860 $ 59,000
Benton, Oregon 50 $ 9,657,000 $ 193,140 $ 88,000
Chelan, Washington 50 $ 14,295,000 $ 285,900 $ 145,000
Clatsop, Oregon 49 $ 10,909,000 $ 222,632 $ 106,000
Polk, Oregon 49 $ 9,825,000 $ 200,510 $ 62,000
Gallatin, Montana 47 $ 9,037,000 $ 192,276 $ 78,000
Maricopa, Arizona 44 $ 9,822,000 $ 223,227 $ 139,000
Curry, Oregon 44 $ 9,033,000 $ 205,295 $ 69,000
Umatilla, Oregon 42 $ 6,186,000 $ 147,285 $ 97,000
Stevens, Washington 41 $ 7,900,000 $ 192,682 $ 74,000
Lincoln, Oregon 40 $ 7,502,000 $ 187,550 $ 61,000
Valley, Idaho 39 $ 6,010,000 $ 154,102 $ 98,000
Pacific, Washington 39 $ 6,993,000 $ 179,307 $ 92,000
Latah, Idaho 38 $ 5,360,000 $ 141,052 $ 59,000
Los Angeles, California 34 $ 15,549,000 $ 457,323 $ 169,000
Tillamook, Oregon 34 $ 7,569,000 $ 222,617 $ 122,000
Clallam, Washington 33 $ 6,487,000 $ 196,575 $ 81,000
Adams, Washington 29 $ 3,442,000 $ 118,689 $ 53,000
Okanogan, Washington 28 $ 5,670,000 $ 202,500 $ 134,000
Park, Montana 25 $ 5,463,000 $ 218,520 $ 98,000
Union, Oregon 25 $ 4,405,000 $ 176,200 $ 86,000
Idaho, Idaho 24 $ 4,313,000 $ 179,708 $ 66,000
Jefferson, Washington 24 $ 5,552,000 $ 231,333 $ 68,000
Riverside, California 21 $ 5,315,000 $ 253,095 $ 133,000
Douglas, Washington 20 $ 3,881,000 $ 194,050 $ 77,000
Whitman, Washington 20 $ 2,848,000 $ 142,400 $ 60,000
San Diego, California 18 $ 6,899,000 $ 383,277 $ 109,000
Bonner, Idaho 18 $ 4,120,000 $ 228,888 $ 141,000
Flathead, Montana 18 $ 3,763,000 $ 209,055 $ 95,000
Baker, Oregon 17 $ 2,086,000 $ 122,705 $ 50,000
San Juan, Washington 17 $ 6,498,000 $ 382,235 $ 170,000
Benewah, Idaho 15 $ 2,324,000 $ 154,933 $ 56,000
Gem, Idaho 15 $ 2,040,000 $ 136,000 $ 68,000
Payette, Idaho 15 $ 2,454,000 $ 163,600 $ 60,000
Clark, Nevada 15 $ 2,891,000 $ 192,733 $ 92,000
Harney, Oregon 13 $ 1,735,000 $ 133,461 $ 71,000
Lincoln, Washington 12 $ 2,464,000 $ 205,333 $ 102,000
Contra Costa, California 11 $ 4,707,000 $ 427,909 $ 119,000
Sonoma, California 11 $ 2,991,000 $ 271,909 $ 116,000
Lake, Montana 11 $ 3,097,000 $ 281,545 $ 107,000
Lake, Oregon 11 $ 1,634,000 $ 148,545 $ 65,000
Klickitat, Washington 11 $ 1,726,000 $ 156,909 $ 49,000
San Bernardino, California 10 $ 2,062,000 $ 206,200 $ 118,000
Santa Clara, California 10 $ 3,839,000 $ 383,900 $ 143,000
Adams, Idaho 10 $ 1,197,000 $ 119,700 $ 80,000
Sweet Grass, Montana 10 $ 1,603,000 $ 160,300 $ 66,000
Wasco, Oregon 10 $ 1,866,000 $ 186,600 $ 101,000
Bonneville, Idaho 9 $ 1,457,000 $ 161,888 $ 56,000
Crook, Oregon 9 $ 1,723,000 $ 191,444 $ 72,000
Garfield, Washington 9 $ 723,000 $ 80,333 $ 41,000
Alameda, California 8 $ 2,782,000 $ 347,750 $ 111,000
Fresno, California 7 $ 1,820,000 $ 260,000 $ 144,000
Sacramento, California 7 $ 2,224,000 $ 317,714 $ 88,000
Boise, Idaho 7 $ 1,252,000 $ 178,857 $ 192,000
Cascade, Montana 7 $ 1,391,000 $ 198,714 $ 87,000
Mineral, Montana 7 $ 1,923,000 $ 274,714 $ 75,000
Grant, Oregon 7 $ 836,000 $ 119,428 $ 64,000
Jefferson, Oregon 7 $ 1,586,000 $ 226,571 $ 111,000
Wallowa, Oregon 7 $ 1,102,000 $ 157,428 $ 70,000
Skamania, Washington 7 $ 1,228,000 $ 175,428 $ 85,000
Bannock, Idaho 6 $ 502,000 $ 83,666 $ 75,000
Silver Bow, Montana 6 $ 576,000 $ 96,000 $ 46,000
Columbia, Washington 6 $ 742,000 $ 123,666 $ 94,000
Pima, Arizona 5 $ 945,000 $ 189,000 $ 48,000
Pinal, Arizona 5 $ 485,000 $ 97,000 $ 45,000
Orange, California 5 $ 2,009,000 $ 401,800 $ 155,000
Blaine, Idaho 5 $ 1,277,000 $ 255,400 $ 158,000
Clearwater, Idaho 5 $ 1,062,000 $ 212,400 $ 92,000
Elmore, Idaho 5 $ 755,000 $ 151,000 $ 48,000
Twin Falls, Idaho 5 $ 676,000 $ 135,200 $ 51,000
Deer Lodge, Montana 5 $ 1,169,000 $ 233,800 $ 227,000
Sanders, Montana 5 $ 1,123,000 $ 224,600 $ 58,000
Stillwater, Montana 5 $ 1,332,000 $ 266,400 $ 157,000
Hood River, Oregon 5 $ 882,000 $ 176,400 $ 78,000
Morrow, Oregon 5 $ 935,000 $ 187,000 $ 48,000
Monterey, California 4 $ 1,143,000 $ 285,750 $ 70,000
Shoshone, Idaho 4 $ 578,000 $ 144,500 $ 77,000
Washington, Idaho 4 $ 621,000 $ 155,250 $ 51,000
Washoe, Nevada 4 $ 978,000 $ 244,500 $ 0
Pend Oreille, Washington 4 $ 1,468,000 $ 367,000 $ 48,000
Wahkiakum, Washington 4 $ 739,000 $ 184,750 $ 38,000
Cochise, Arizona 3 $ 695,000 $ 231,666 $ 0
San Francisco, California 3 $ 2,126,000 $ 708,666 $ 158,000
San Joaquin, California 3 $ 742,000 $ 247,333 $ 93,000
Santa Barbara, California 3 $ 871,000 $ 290,333 $ 77,000
Ventura, California 3 $ 1,051,000 $ 350,333 $ 137,000
Bingham, Idaho 3 $ 367,000 $ 122,333 $ 117,000
Jerome, Idaho 3 $ 319,000 $ 106,333 $ 28,000
Jefferson, Montana 3 $ 674,000 $ 224,666 $ 89,000
Lewis and Clark, Montana 3 $ 500,000 $ 166,666 $ 43,000
Phillips, Montana 3 $ 396,000 $ 132,000 $ 54,000
Gilliam, Oregon 3 $ 361,000 $ 120,333 $ 37,000
Salt Lake, Utah 3 $ 571,000 $ 190,333 $ 76,000
Anchorage, Alaska 2 $ 346,000 $ 173,000 $ 56,000
El Dorado, California 2 $ 737,000 $ 368,500 $ 145,000
Nevada, California 2 $ 405,000 $ 202,500 $ 51,000
Shasta, California 2 $ 401,000 $ 200,500 $ 202,000
Siskiyou, California 2 $ 460,000 $ 230,000 $ 206,000
Lewis, Idaho 2 $ 256,000 $ 128,000 $ 44,000
Minidoka, Idaho 2 $ 369,000 $ 184,500 $ 56,000
Owyhee, Idaho 2 $ 228,000 $ 114,000 $ 37,000
Granite, Montana 2 $ 308,000 $ 154,000 $ 48,000
Lincoln, Montana 2 $ 254,000 $ 127,000 $ 33,000
Meagher, Montana 2 $ 84,000 $ 42,000 $ 19,000
Rosebud, Montana 2 $ 255,000 $ 127,500 $ 46,000
Lyon, Nevada 2 $ 189,000 $ 94,500 $ 61,000
Ferry, Washington 2 $ 349,000 $ 174,500 $ 32,000
Laramie, Wyoming 2 $ 558,000 $ 279,000 $ 235,000
Mohave, Arizona 1 $ 265,000 $ 265,000 $ 112,000
Yavapai, Arizona 1 $ 216,000 $ 216,000 $ 120,000
Yuma, Arizona 1 $ 88,000 $ 88,000 $ 125,000
Amador, California 1 $ 289,000 $ 289,000 $ 213,000
Inyo, California 1 $ 341,000 $ 341,000 $ 169,000
Marin, California 1 $ 417,000 $ 417,000 $ 374,000
Mendocino, California 1 $ 136,000 $ 136,000 $ 54,000
Napa, California 1 $ 300,000 $ 300,000 $ 490,000
San Benito, California 1 $ 192,000 $ 192,000 $ 46,000
Stanislaus, California 1 $ 330,000 $ 330,000 $ 95,000
Tehama, California 1 $ 168,000 $ 168,000 $ 38,000
Yolo, California 1 $ 256,000 $ 256,000 $ 211,000
Yuba, California 1 $ 257,000 $ 257,000 $ 0
Honolulu, Hawaii 1 $ 1,500,000 $ 1,500,000 $ 504,000
Boundary, Idaho 1 $ 120,000 $ 120,000 $ 41,000
Butte, Idaho 1 $ 72,000 $ 72,000 $ 60,000
Camas, Idaho 1 $ 153,000 $ 153,000 $ 53,000
Cassia, Idaho 1 $ 206,000 $ 206,000 $ 75,000
Custer, Idaho 1 $ 60,000 $ 60,000 $ 96,000
Franklin, Idaho 1 $ 218,000 $ 218,000 $ 92,000
Jefferson, Idaho 1 $ 235,000 $ 235,000 $ 0
Lemhi, Idaho 1 $ 119,000 $ 119,000 $ 36,000
Madison, Idaho 1 $ 103,000 $ 103,000 $ 79,000
Teton, Idaho 1 $ 40,000 $ 40,000 $ 50,000
Beaverhead, Montana 1 $ 150,000 $ 150,000 $ 45,000
Carbon, Montana 1 $ 85,000 $ 85,000 $ 59,000
Chouteau, Montana 1 $ 110,000 $ 110,000 $ 95,000
Dawson, Montana 1 $ 68,000 $ 68,000 $ 55,000
Musselshell, Montana 1 $ 127,000 $ 127,000 $ 172,000
Powell, Montana 1 $ 67,000 $ 67,000 $ 45,000
Carson City, Nevada 1 $ 111,000 $ 111,000 $ 60,000
Eddy, New Mexico 1 $ 155,000 $ 155,000 $ 0
El Paso, Texas 1 $ 78,000 $ 78,000 $ 0
Utah, Utah 1 $ 165,000 $ 165,000 $ 90,000
Wasatch, Utah 1 $ 224,000 $ 224,000 $ 188,000
Washington, Utah 1 $ 391,000 $ 391,000 $ 588,000
Fairfax, Virginia 1 $ 404,000 $ 404,000 $ 135,000
Lincoln, Wyoming 1 $ 107,000 $ 107,000 $ 56,000

Mortgage Loan Application Detail Totals for Golf Savings Bank in 2010

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 11,419 $2,760,893,000 $241,000 $2,279,000 $92,000 $1,853,000
Home Purchase 7,425 $1,613,725,000 $217,000 $1,645,000 $88,000 $2,713,000
Home Improvement 2 $830,000 $415,000 $580,000 $128,000 $197,000

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 14,705 $3,417,162,000 $232,000 $2,279,000 $92,000 $2,713,000
Not Provided 2,363 $550,038,000 $232,000 $1,500,000 $83,000 $961,000
Hispanic 706 $133,792,000 $189,000 $1,260,000 $62,000 $400,000
Asian 674 $184,015,000 $273,000 $1,500,000 $117,000 $1,129,000
Black or African American 216 $50,662,000 $234,000 $568,000 $70,000 $381,000
Native Hawaiian or Other Pacific Islander 91 $20,332,000 $223,000 $568,000 $80,000 $206,000
American Indian or Alaskan Native 91 $19,447,000 $213,000 $483,000 $86,000 $406,000
Not applicable 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) 12,340 $2,936,948,000 $238,000 $2,279,000 $107,000 $2,713,000
FHA-insured (Federal Housing Administration) 5,227 $1,138,596,000 $217,000 $920,000 $62,000 $840,000
VA-guaranteed (Veterans Administration) 1,278 $299,623,000 $234,000 $766,000 $54,000 $415,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $281,000 $281,000 $281,000 $63,000 $63,000

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 11,014 $2,510,776,000 $227,000 $2,279,000 $93,000 $2,713,000
Application Withdrawn By Applicant 5,566 $1,350,228,000 $242,000 $2,279,000 $91,000 $1,951,000
Application Denied By Financial Institution 1,566 $349,949,000 $223,000 $1,600,000 $66,000 $1,455,000
File Closed For Incompleteness 408 $99,044,000 $242,000 $1,240,000 $101,000 $1,440,000
Application Approved But Not Accepted 292 $65,451,000 $224,000 $594,000 $96,000 $800,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Golf Savings Bank's 2010 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 Golf Savings Bank'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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