Tristar Finance, Inc. Mortgage Lending & HMDA Data, 2022
In 2022, Tristar Finance, Inc. of Kirkland, WA reported 308 mortgage applications totaling $225.7 million, down 63% from 2021. The average application was for $732,922, and applicants reported an average income of $296,366. 67% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (193), Tacoma-Lakewood, WA (24) and San Jose-Sunnyvale-Santa Clara, CA (6) (applications in parentheses).
| Mortgage Company & Address | Tristar Finance, Inc. 5209 Lake Washington Blvd Ne #220 Kirkland, WA 98033 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 308 |
| Total Mortgage Loan Application Amount | $225,740,000 |
| Average Mortgage Loan Application Amount | $732,922 |
| Highest Mortgage Loan Application Amount | $2,725,000 |
| Average Applicant Income | $296,366 |
| Highest Applicant Income | $3,994,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tristar Finance, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 136 | $ 109,050,000 | $ 801,838 | $ 380,000 |
| Snohomish, Washington | 57 | $ 40,135,000 | $ 704,122 | $ 214,000 |
| Pierce, Washington | 24 | $ 12,330,000 | $ 513,750 | $ 183,000 |
| Santa Clara, California | 6 | $ 6,030,000 | $ 1,005,000 | $ 204,000 |
| Los Angeles, California | 5 | $ 4,485,000 | $ 897,000 | $ 154,000 |
| San Diego, California | 5 | $ 3,975,000 | $ 795,000 | $ 717,000 |
| San Juan, Washington | 5 | $ 7,325,000 | $ 1,465,000 | $ 434,000 |
| Alameda, California | 4 | $ 4,440,000 | $ 1,110,000 | $ 263,000 |
| Spokane, Washington | 4 | $ 1,560,000 | $ 390,000 | $ 154,000 |
| Thurston, Washington | 4 | $ 1,640,000 | $ 410,000 | $ 365,000 |
| Orange, California | 3 | $ 1,935,000 | $ 645,000 | $ 184,000 |
| San Bernardino, California | 3 | $ 1,475,000 | $ 491,666 | $ 123,000 |
| Kittitas, Washington | 3 | $ 1,575,000 | $ 525,000 | $ 219,000 |
| Skagit, Washington | 3 | $ 1,165,000 | $ 388,333 | $ 73,000 |
| Fairbanks North Star, Alaska | 2 | $ 640,000 | $ 320,000 | $ 101,000 |
| Maricopa, Arizona | 2 | $ 2,330,000 | $ 1,165,000 | $ 842,000 |
| Monterey, California | 2 | $ 2,290,000 | $ 1,145,000 | $ 314,000 |
| Ventura, California | 2 | $ 2,180,000 | $ 1,090,000 | $ 312,000 |
| Ada, Idaho | 2 | $ 830,000 | $ 415,000 | $ 90,000 |
| Bonner, Idaho | 2 | $ 1,130,000 | $ 565,000 | $ 223,000 |
| Kootenai, Idaho | 2 | $ 670,000 | $ 335,000 | $ 60,000 |
| Multnomah, Oregon | 2 | $ 980,000 | $ 490,000 | $ 187,000 |
| Benton, Washington | 2 | $ 1,590,000 | $ 795,000 | $ 233,000 |
| Clark, Washington | 2 | $ 1,160,000 | $ 580,000 | $ 194,000 |
| Cowlitz, Washington | 2 | $ 1,010,000 | $ 505,000 | $ 114,000 |
| Douglas, Washington | 2 | $ 1,850,000 | $ 925,000 | $ 576,000 |
| Island, Washington | 2 | $ 890,000 | $ 445,000 | $ 210,000 |
| Anchorage, Alaska | 1 | $ 645,000 | $ 645,000 | $ 142,000 |
| Kodiak Island, Alaska | 1 | $ 475,000 | $ 475,000 | $ 95,000 |
| Matanuska-Susitna, Alaska | 1 | $ 475,000 | $ 475,000 | $ 57,000 |
| Graham, Arizona | 1 | $ 355,000 | $ 355,000 | $ 264,000 |
| El Dorado, California | 1 | $ 665,000 | $ 665,000 | $ 167,000 |
| Fresno, California | 1 | $ 365,000 | $ 365,000 | $ 170,000 |
| Riverside, California | 1 | $ 625,000 | $ 625,000 | $ 187,000 |
| Sacramento, California | 1 | $ 645,000 | $ 645,000 | $ 157,000 |
| San Francisco, California | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| San Joaquin, California | 1 | $ 1,165,000 | $ 1,165,000 | $ 212,000 |
| San Luis Obispo, California | 1 | $ 1,165,000 | $ 1,165,000 | $ 290,000 |
| Santa Barbara, California | 1 | $ 985,000 | $ 985,000 | $ 207,000 |
| Santa Cruz, California | 1 | $ 885,000 | $ 885,000 | $ 195,000 |
| Tulare, California | 1 | $ 385,000 | $ 385,000 | $ 81,000 |
| Lewis, Idaho | 1 | $ 225,000 | $ 225,000 | $ 295,000 |
| Clackamas, Oregon | 1 | $ 645,000 | $ 645,000 | $ 259,000 |
| Grant, Washington | 1 | $ 475,000 | $ 475,000 | $ 6,000 |
| Grays Harbor, Washington | 1 | $ 135,000 | $ 135,000 | $ 602,000 |
| Lewis, Washington | 1 | $ 225,000 | $ 225,000 | $ 265,000 |
| Wahkiakum, Washington | 1 | $ 165,000 | $ 165,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Tristar Finance, Inc. in 2022
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 | 156 | $119,260,000 | $764,000 | $2,725,000 | $276,000 | $2,796,000 |
| Cash-out Refinancing | 107 | $72,595,000 | $678,000 | $1,915,000 | $291,000 | $3,994,000 |
| Refinancing | 44 | $32,430,000 | $737,000 | $2,035,000 | $324,000 | $2,208,000 |
| Other Purpose | 1 | $1,455,000 | $1,455,000 | $1,455,000 | $2,832,000 | $2,832,000 |
| Home Improvement | 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 | 170 | $122,340,000 | $719,000 | $2,725,000 | $327,000 | $2,832,000 |
| Asian | 83 | $66,045,000 | $795,000 | $2,035,000 | $305,000 | $3,994,000 |
| Not Provided | 25 | $18,285,000 | $731,000 | $1,875,000 | $170,000 | $365,000 |
| Hispanic | 17 | $10,965,000 | $645,000 | $1,805,000 | $223,000 | $488,000 |
| Black or African American | 9 | $5,315,000 | $590,000 | $1,165,000 | $132,000 | $290,000 |
| American Indian or Alaskan Native | 3 | $1,565,000 | $521,000 | $955,000 | $166,000 | $265,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,225,000 | $1,225,000 | $1,225,000 | $381,000 | $381,000 |
| 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) | 277 | $210,405,000 | $759,000 | $2,725,000 | $316,000 | $3,994,000 |
| VA-guaranteed (Veterans Administration) | 24 | $12,180,000 | $507,000 | $1,055,000 | $125,000 | $264,000 |
| FHA-insured (Federal Housing Administration) | 7 | $3,155,000 | $450,000 | $645,000 | $118,000 | $178,000 |
| 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 | 206 | $147,960,000 | $718,000 | $2,035,000 | $271,000 | $3,994,000 |
| Application Withdrawn By Applicant | 75 | $59,695,000 | $795,000 | $2,725,000 | $396,000 | $2,832,000 |
| Application Denied By Financial Institution | 20 | $12,050,000 | $602,000 | $1,145,000 | $226,000 | $602,000 |
| Application Approved But Not Accepted | 7 | $6,035,000 | $862,000 | $1,685,000 | $236,000 | $446,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 288 | $213,690,000 | $741,000 | $2,725,000 | $302,000 | $3,994,000 |
| Unverifiable Information | 18 | $10,020,000 | $556,000 | $1,145,000 | $227,000 | $602,000 |
| Other | 1 | $975,000 | $975,000 | $975,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $1,055,000 | $1,055,000 | $1,055,000 | $215,000 | $215,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tristar Finance, Inc.'s 2022 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 Tristar Finance, Inc.'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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