Sydion Financial, LLC Mortgage Lending & HMDA Data, 2009
In 2009, Sydion Financial, LLC of Federal Way, WA reported 6,348 mortgage applications totaling $1.5 billion, up 135% from 2008. The average application was for $240,881, and applicants reported an average income of $79,685. 64% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,571), Portland-Vancouver-Beaverton, OR-WA (1,320) and Salem, OR (1,238) (applications in parentheses).
| Mortgage Company & Address | Sydion Financial, LLC 33400 8th Ave. S. Ste 205 Federal Way, WA 98003 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 6,348 |
| Total Mortgage Loan Application Amount | $1,529,116,000 |
| Average Mortgage Loan Application Amount | $240,881 |
| Highest Mortgage Loan Application Amount | $729,000 |
| Average Applicant Income | $79,685 |
| Highest Applicant Income | $1,038,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sydion Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| King, Washington | 1,185 | $ 350,377,000 | $ 295,676 | $ 94,000 |
| Marion, Oregon | 986 | $ 201,984,000 | $ 204,851 | $ 74,000 |
| Snohomish, Washington | 421 | $ 115,553,000 | $ 274,472 | $ 74,000 |
| Pierce, Washington | 407 | $ 101,676,000 | $ 249,818 | $ 71,000 |
| Multnomah, Oregon | 403 | $ 96,181,000 | $ 238,662 | $ 76,000 |
| Clark, Washington | 331 | $ 74,881,000 | $ 226,226 | $ 67,000 |
| Washington, Oregon | 316 | $ 79,356,000 | $ 251,126 | $ 87,000 |
| Lane, Oregon | 312 | $ 66,864,000 | $ 214,307 | $ 77,000 |
| Polk, Oregon | 269 | $ 56,736,000 | $ 210,914 | $ 79,000 |
| Clackamas, Oregon | 212 | $ 54,445,000 | $ 256,816 | $ 82,000 |
| Kootenai, Idaho | 137 | $ 30,791,000 | $ 224,751 | $ 70,000 |
| Deschutes, Oregon | 128 | $ 28,673,000 | $ 224,007 | $ 102,000 |
| Spokane, Washington | 127 | $ 25,425,000 | $ 200,196 | $ 73,000 |
| Kitsap, Washington | 111 | $ 26,459,000 | $ 238,369 | $ 78,000 |
| Thurston, Washington | 86 | $ 21,328,000 | $ 248,000 | $ 77,000 |
| Yamhill, Oregon | 75 | $ 15,747,000 | $ 209,960 | $ 77,000 |
| Linn, Oregon | 72 | $ 14,139,000 | $ 196,375 | $ 67,000 |
| Jackson, Oregon | 43 | $ 9,117,000 | $ 212,023 | $ 73,000 |
| Lincoln, Oregon | 41 | $ 10,513,000 | $ 256,414 | $ 139,000 |
| Benton, Washington | 41 | $ 8,105,000 | $ 197,682 | $ 63,000 |
| Bonner, Idaho | 38 | $ 7,883,000 | $ 207,447 | $ 89,000 |
| Benton, Oregon | 36 | $ 8,390,000 | $ 233,055 | $ 75,000 |
| Whatcom, Washington | 34 | $ 7,575,000 | $ 222,794 | $ 61,000 |
| Mason, Washington | 32 | $ 6,886,000 | $ 215,187 | $ 68,000 |
| Cowlitz, Washington | 26 | $ 5,384,000 | $ 207,076 | $ 54,000 |
| Yakima, Washington | 22 | $ 4,264,000 | $ 193,818 | $ 74,000 |
| Island, Washington | 21 | $ 5,300,000 | $ 252,380 | $ 77,000 |
| Skagit, Washington | 17 | $ 4,182,000 | $ 246,000 | $ 55,000 |
| Columbia, Oregon | 16 | $ 3,361,000 | $ 210,062 | $ 58,000 |
| Franklin, Washington | 15 | $ 2,097,000 | $ 139,800 | $ 49,000 |
| Grays Harbor, Washington | 15 | $ 2,915,000 | $ 194,333 | $ 83,000 |
| Los Angeles, California | 14 | $ 4,339,000 | $ 309,928 | $ 73,000 |
| Lewis, Washington | 13 | $ 2,789,000 | $ 214,538 | $ 68,000 |
| Pend Oreille, Washington | 13 | $ 2,660,000 | $ 204,615 | $ 54,000 |
| Ada, Idaho | 11 | $ 2,099,000 | $ 190,818 | $ 88,000 |
| Clatsop, Oregon | 11 | $ 2,430,000 | $ 220,909 | $ 94,000 |
| Hood River, Oregon | 11 | $ 2,812,000 | $ 255,636 | $ 74,000 |
| Grant, Washington | 10 | $ 2,148,000 | $ 214,800 | $ 77,000 |
| Okanogan, Washington | 10 | $ 1,931,000 | $ 193,100 | $ 111,000 |
| Stevens, Washington | 10 | $ 1,808,000 | $ 180,800 | $ 55,000 |
| Klamath, Oregon | 9 | $ 1,364,000 | $ 151,555 | $ 54,000 |
| Tillamook, Oregon | 9 | $ 1,914,000 | $ 212,666 | $ 91,000 |
| Wasco, Oregon | 9 | $ 2,340,000 | $ 260,000 | $ 111,000 |
| Chelan, Washington | 9 | $ 2,408,000 | $ 267,555 | $ 140,000 |
| Kittitas, Washington | 9 | $ 1,820,000 | $ 202,222 | $ 85,000 |
| Coos, Oregon | 8 | $ 1,453,000 | $ 181,625 | $ 60,000 |
| Klickitat, Washington | 8 | $ 1,885,000 | $ 235,625 | $ 85,000 |
| Jefferson, Washington | 7 | $ 1,771,000 | $ 253,000 | $ 111,000 |
| San Diego, California | 6 | $ 2,406,000 | $ 401,000 | $ 128,000 |
| Bonneville, Idaho | 6 | $ 907,000 | $ 151,166 | $ 32,000 |
| Douglas, Oregon | 6 | $ 1,171,000 | $ 195,166 | $ 75,000 |
| Josephine, Oregon | 6 | $ 1,519,000 | $ 253,166 | $ 45,000 |
| Contra Costa, California | 5 | $ 931,000 | $ 186,200 | $ 54,000 |
| Crook, Oregon | 5 | $ 1,321,000 | $ 264,200 | $ 69,000 |
| Umatilla, Oregon | 5 | $ 791,000 | $ 158,200 | $ 68,000 |
| Clallam, Washington | 5 | $ 1,266,000 | $ 253,200 | $ 96,000 |
| San Juan, Washington | 5 | $ 1,411,000 | $ 282,200 | $ 87,000 |
| Anchorage, Alaska | 4 | $ 964,000 | $ 241,000 | $ 18,000 |
| Maricopa, Arizona | 4 | $ 663,000 | $ 165,750 | $ 86,000 |
| El Dorado, California | 4 | $ 1,080,000 | $ 270,000 | $ 109,000 |
| Santa Clara, California | 4 | $ 1,692,000 | $ 423,000 | $ 113,000 |
| Denver, Colorado | 4 | $ 426,000 | $ 106,500 | $ 26,000 |
| Union, Oregon | 4 | $ 806,000 | $ 201,500 | $ 88,000 |
| Skamania, Washington | 4 | $ 1,285,000 | $ 321,250 | $ 111,000 |
| Whitman, Washington | 4 | $ 670,000 | $ 167,500 | $ 66,000 |
| Placer, California | 3 | $ 798,000 | $ 266,000 | $ 72,000 |
| San Mateo, California | 3 | $ 792,000 | $ 264,000 | $ 62,000 |
| Weld, Colorado | 3 | $ 404,000 | $ 134,666 | $ 66,000 |
| Canyon, Idaho | 3 | $ 535,000 | $ 178,333 | $ 71,000 |
| Nez Perce, Idaho | 3 | $ 544,000 | $ 181,333 | $ 85,000 |
| Twin Falls, Idaho | 3 | $ 619,000 | $ 206,333 | $ 92,000 |
| Jefferson, Oregon | 3 | $ 563,000 | $ 187,666 | $ 90,000 |
| Columbia, Washington | 3 | $ 553,000 | $ 184,333 | $ 54,000 |
| Douglas, Washington | 3 | $ 737,000 | $ 245,666 | $ 107,000 |
| Pacific, Washington | 3 | $ 526,000 | $ 175,333 | $ 96,000 |
| Mendocino, California | 2 | $ 748,000 | $ 374,000 | $ 121,000 |
| Sacramento, California | 2 | $ 309,000 | $ 154,500 | $ 46,000 |
| Santa Cruz, California | 2 | $ 708,000 | $ 354,000 | $ 286,000 |
| Shasta, California | 2 | $ 442,000 | $ 221,000 | $ 51,000 |
| Boulder, Colorado | 2 | $ 651,000 | $ 325,500 | $ 112,000 |
| Jefferson, Colorado | 2 | $ 307,000 | $ 153,500 | $ 33,000 |
| Adams, Idaho | 2 | $ 403,000 | $ 201,500 | $ 153,000 |
| Gem, Idaho | 2 | $ 260,000 | $ 130,000 | $ 35,000 |
| Jefferson, Idaho | 2 | $ 329,000 | $ 164,500 | $ 26,000 |
| Latah, Idaho | 2 | $ 297,000 | $ 148,500 | $ 96,000 |
| Shoshone, Idaho | 2 | $ 319,000 | $ 159,500 | $ 60,000 |
| Valley, Idaho | 2 | $ 248,000 | $ 124,000 | $ 188,000 |
| Adams, Washington | 2 | $ 267,000 | $ 133,500 | $ 13,000 |
| Asotin, Washington | 2 | $ 317,000 | $ 158,500 | $ 23,000 |
| Ferry, Washington | 2 | $ 411,000 | $ 205,500 | $ 115,000 |
| Coconino, Arizona | 1 | $ 384,000 | $ 384,000 | $ 333,000 |
| Pima, Arizona | 1 | $ 144,000 | $ 144,000 | $ 31,000 |
| Yavapai, Arizona | 1 | $ 164,000 | $ 164,000 | $ 33,000 |
| Alameda, California | 1 | $ 405,000 | $ 405,000 | $ 130,000 |
| Butte, California | 1 | $ 222,000 | $ 222,000 | $ 69,000 |
| Calaveras, California | 1 | $ 193,000 | $ 193,000 | $ 149,000 |
| Fresno, California | 1 | $ 250,000 | $ 250,000 | $ 60,000 |
| Lake, California | 1 | $ 187,000 | $ 187,000 | $ 57,000 |
| Monterey, California | 1 | $ 197,000 | $ 197,000 | $ 62,000 |
| Orange, California | 1 | $ 729,000 | $ 729,000 | $ 224,000 |
| Riverside, California | 1 | $ 251,000 | $ 251,000 | $ 79,000 |
| San Bernardino, California | 1 | $ 275,000 | $ 275,000 | $ 46,000 |
| Solano, California | 1 | $ 121,000 | $ 121,000 | $ 85,000 |
| Sonoma, California | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Stanislaus, California | 1 | $ 70,000 | $ 70,000 | $ 67,000 |
| Tehama, California | 1 | $ 173,000 | $ 173,000 | $ 124,000 |
| Ventura, California | 1 | $ 168,000 | $ 168,000 | $ 113,000 |
| Yuba, California | 1 | $ 199,000 | $ 199,000 | $ 57,000 |
| Arapahoe, Colorado | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Douglas, Colorado | 1 | $ 106,000 | $ 106,000 | $ 104,000 |
| Eagle, Colorado | 1 | $ 300,000 | $ 300,000 | $ 180,000 |
| El Paso, Colorado | 1 | $ 153,000 | $ 153,000 | $ 40,000 |
| Elbert, Colorado | 1 | $ 127,000 | $ 127,000 | $ 31,000 |
| Gilpin, Colorado | 1 | $ 173,000 | $ 173,000 | $ 48,000 |
| Grand, Colorado | 1 | $ 198,000 | $ 198,000 | $ 38,000 |
| La Plata, Colorado | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Rio Blanco, Colorado | 1 | $ 97,000 | $ 97,000 | $ 41,000 |
| Bannock, Idaho | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Blaine, Idaho | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Boundary, Idaho | 1 | $ 290,000 | $ 290,000 | $ 73,000 |
| Butte, Idaho | 1 | $ 124,000 | $ 124,000 | $ 39,000 |
| Clark, Idaho | 1 | $ 204,000 | $ 204,000 | $ 60,000 |
| Franklin, Idaho | 1 | $ 103,000 | $ 103,000 | $ 52,000 |
| Fremont, Idaho | 1 | $ 200,000 | $ 200,000 | $ 42,000 |
| Jerome, Idaho | 1 | $ 167,000 | $ 167,000 | $ 90,000 |
| Washington, Idaho | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| Lake, Indiana | 1 | $ 127,000 | $ 127,000 | $ 37,000 |
| Jefferson, Missouri | 1 | $ 177,000 | $ 177,000 | $ 102,000 |
| St. Charles, Missouri | 1 | $ 166,000 | $ 166,000 | $ 47,000 |
| Curry, Oregon | 1 | $ 417,000 | $ 417,000 | $ 163,000 |
| Harney, Oregon | 1 | $ 119,000 | $ 119,000 | $ 61,000 |
| Malheur, Oregon | 1 | $ 143,000 | $ 143,000 | $ 64,000 |
| Morrow, Oregon | 1 | $ 272,000 | $ 272,000 | $ 56,000 |
| Fairfax, Virginia | 1 | $ 504,000 | $ 504,000 | $ 140,000 |
| Lincoln, Washington | 1 | $ 107,000 | $ 107,000 | $ 42,000 |
| Wahkiakum, Washington | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Walla Walla, Washington | 1 | $ 240,000 | $ 240,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Sydion Financial, LLC in 2009
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 | 4,887 | $1,210,823,000 | $247,000 | $729,000 | $80,000 | $1,038,000 |
| Home Purchase | 1,358 | $292,735,000 | $215,000 | $577,000 | $78,000 | $516,000 |
| Home Improvement | 103 | $25,558,000 | $248,000 | $417,000 | $87,000 | $220,000 |
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 | 4,900 | $1,175,259,000 | $239,000 | $729,000 | $81,000 | $1,038,000 |
| Not Provided | 866 | $210,926,000 | $243,000 | $626,000 | $76,000 | $400,000 |
| Asian | 234 | $65,484,000 | $279,000 | $577,000 | $86,000 | $261,000 |
| Hispanic | 212 | $43,714,000 | $206,000 | $572,000 | $60,000 | $297,000 |
| Black or African American | 81 | $20,702,000 | $255,000 | $566,000 | $59,000 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 28 | $7,541,000 | $269,000 | $424,000 | $94,000 | $268,000 |
| American Indian or Alaskan Native | 26 | $5,360,000 | $206,000 | $343,000 | $76,000 | $245,000 |
| Not applicable | 1 | $130,000 | $130,000 | $130,000 | $43,000 | $43,000 |
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) | 4,138 | $1,019,851,000 | $246,000 | $729,000 | $92,000 | $1,038,000 |
| FHA-insured (Federal Housing Administration) | 2,209 | $509,097,000 | $230,000 | $577,000 | $56,000 | $347,000 |
| VA-guaranteed (Veterans Administration) | 1 | $168,000 | $168,000 | $168,000 | $38,000 | $38,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 4,078 | $976,421,000 | $239,000 | $577,000 | $79,000 | $1,038,000 |
| Application Withdrawn By Applicant | 1,857 | $452,262,000 | $243,000 | $577,000 | $82,000 | $504,000 |
| Application Denied By Financial Institution | 413 | $100,433,000 | $243,000 | $729,000 | $74,000 | $516,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 184 | $45,286,000 | $246,000 | $729,000 | $82,000 | $516,000 |
| Debt-To-Income Ratio | 84 | $21,609,000 | $257,000 | $417,000 | $63,000 | $140,000 |
| Credit History | 47 | $9,882,000 | $210,000 | $626,000 | $63,000 | $171,000 |
| Collateral | 30 | $7,315,000 | $243,000 | $417,000 | $95,000 | $225,000 |
| Employment History | 14 | $2,829,000 | $202,000 | $393,000 | $46,000 | $92,000 |
| Unverifiable Information | 14 | $3,659,000 | $261,000 | $417,000 | $79,000 | $396,000 |
| Mortgage Insurance Denied | 4 | $1,147,000 | $286,000 | $417,000 | $60,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $875,000 | $291,000 | $368,000 | $72,000 | $77,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sydion Financial, LLC's 2009 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 Sydion Financial, LLC'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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