Olympia Federal Savings & Loan Mortgage Lending & HMDA Data, 2025
In 2025, Olympia Federal Savings & Loan of Olympia, WA reported 318 mortgage applications totaling $118.8 million, about the same as 2024. The average application was for $373,584, and applicants reported an average income of $166,858. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Olympia-Tumwater, WA (191), Bremerton-Silverdale, WA (16) and Tacoma-Lakewood, WA (16) (applications in parentheses).
| Mortgage Company & Address | Olympia Federal Savings & Loan 421 Capital Way S Olympia, WA 98501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 318 |
| Total Mortgage Loan Application Amount | $118,800,000 |
| Average Mortgage Loan Application Amount | $373,584 |
| Highest Mortgage Loan Application Amount | $2,385,000 |
| Average Applicant Income | $166,858 |
| Highest Applicant Income | $2,601,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Olympia Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Olympia Federal Savings & Loan in 2025
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 | 198 | $91,470,000 | $461,000 | $2,385,000 | $190,000 | $2,601,000 |
| Refinancing | 63 | $18,575,000 | $294,000 | $685,000 | $120,000 | $530,000 |
| Home Improvement | 30 | $4,670,000 | $155,000 | $505,000 | $134,000 | $422,000 |
| Other Purpose | 27 | $4,085,000 | $151,000 | $505,000 | $143,000 | $461,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 225 | $78,065,000 | $346,000 | $1,225,000 | $152,000 | $530,000 |
| Not Provided | 34 | $16,520,000 | $485,000 | $1,645,000 | $284,000 | $2,601,000 |
| Not applicable | 22 | $10,130,000 | $460,000 | $2,385,000 | $0 | $0 |
| Asian | 14 | $5,360,000 | $382,000 | $765,000 | $168,000 | $516,000 |
| Hispanic | 12 | $4,420,000 | $368,000 | $605,000 | $119,000 | $170,000 |
| Black or African American | 6 | $1,820,000 | $303,000 | $625,000 | $118,000 | $230,000 |
| American Indian or Alaskan Native | 4 | $2,400,000 | $600,000 | $975,000 | $261,000 | $501,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $77,000 | $77,000 |
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) | 318 | $118,800,000 | $373,000 | $2,385,000 | $168,000 | $2,601,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 212 | $81,150,000 | $382,000 | $2,385,000 | $170,000 | $1,099,000 |
| Application Withdrawn By Applicant | 47 | $18,415,000 | $391,000 | $1,645,000 | $147,000 | $791,000 |
| Application Denied By Financial Institution | 34 | $9,930,000 | $292,000 | $1,205,000 | $100,000 | $269,000 |
| File Closed For Incompleteness | 20 | $8,170,000 | $408,000 | $825,000 | $315,000 | $2,601,000 |
| Application Approved But Not Accepted | 5 | $1,135,000 | $227,000 | $405,000 | $143,000 | $193,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 284 | $108,870,000 | $383,000 | $2,385,000 | $176,000 | $2,601,000 |
| Debt-To-Income Ratio | 29 | $8,855,000 | $305,000 | $1,205,000 | $98,000 | $269,000 |
| Credit History | 3 | $565,000 | $188,000 | $345,000 | $104,000 | $134,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $130,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $355,000 | $355,000 | $355,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Olympia Federal Savings & Loan's 2025 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 Olympia Federal Savings & Loan'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.
For a list of all lenders in Washington, download the full spreadsheet
with aggregated HMDA statistics today.
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