Olympia Federal Savings & Loan Mortgage Lending & HMDA Data, 2014
In 2014, Olympia Federal Savings & Loan of Olympia, WA reported 509 mortgage applications totaling $115.6 million, up 24% from 2013. The average application was for $227,056, and applicants reported an average income of $93,874. 66% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Olympia-Tumwater, WA (380), Seattle-Bellevue-Everett, WA (43) and Tacoma-Lakewood, WA (6) (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 | 509 |
| Total Mortgage Loan Application Amount | $115,572,000 |
| Average Mortgage Loan Application Amount | $227,056 |
| Highest Mortgage Loan Application Amount | $945,000 |
| Average Applicant Income | $93,874 |
| Highest Applicant Income | $844,000 |
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records Olympia Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Olympia-Tumwater, WA | 380 | $ 85,670,000 | $ 225,447 | $ 105,000 |
| Seattle-Bellevue-Everett, WA | 43 | $ 12,654,000 | $ 294,279 | $ 0 |
| Tacoma-Lakewood, WA | 6 | $ 1,468,000 | $ 244,666 | $ 194,000 |
| Bremerton-Silverdale, WA | 2 | $ 458,000 | $ 229,000 | $ 85,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 73,000 | $ 36,500 | $ 0 |
Mortgage Loan Application Detail Totals for Olympia Federal Savings & Loan in 2014
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 | 338 | $85,180,000 | $252,000 | $945,000 | $101,000 | $844,000 |
| Refinancing | 135 | $25,248,000 | $187,000 | $740,000 | $72,000 | $346,000 |
| Home Improvement | 36 | $5,144,000 | $142,000 | $428,000 | $109,000 | $539,000 |
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 | 346 | $78,320,000 | $226,000 | $945,000 | $116,000 | $584,000 |
| Not applicable | 102 | $22,434,000 | $219,000 | $740,000 | $0 | $0 |
| Asian | 32 | $7,568,000 | $236,000 | $593,000 | $126,000 | $844,000 |
| Not Provided | 18 | $4,715,000 | $261,000 | $490,000 | $145,000 | $420,000 |
| Hispanic | 5 | $1,032,000 | $206,000 | $326,000 | $90,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $694,000 | $231,000 | $364,000 | $89,000 | $168,000 |
| American Indian or Alaskan Native | 2 | $546,000 | $273,000 | $368,000 | $100,000 | $103,000 |
| Black or African American | 1 | $263,000 | $263,000 | $263,000 | $114,000 | $114,000 |
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) | 509 | $115,572,000 | $227,000 | $945,000 | $94,000 | $844,000 |
| 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 | 338 | $74,664,000 | $220,000 | $945,000 | $105,000 | $584,000 |
| Application Withdrawn By Applicant | 89 | $20,907,000 | $234,000 | $740,000 | $113,000 | $844,000 |
| Loan Purchased By The Institution | 49 | $13,597,000 | $277,000 | $600,000 | $0 | $0 |
| Application Denied By Financial Institution | 25 | $4,963,000 | $198,000 | $375,000 | $65,000 | $175,000 |
| Application Approved But Not Accepted | 4 | $890,000 | $222,000 | $470,000 | $111,000 | $269,000 |
| File Closed For Incompleteness | 4 | $551,000 | $137,000 | $201,000 | $76,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 13 | $2,280,000 | $175,000 | $375,000 | $79,000 | $175,000 |
| Debt-To-Income Ratio | 9 | $2,202,000 | $244,000 | $375,000 | $43,000 | $103,000 |
| Other | 2 | $210,000 | $105,000 | $150,000 | $70,000 | $101,000 |
| Employment History | 1 | $271,000 | $271,000 | $271,000 | $81,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Olympia Federal Savings & Loan's 2014 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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