Washington Federal S&L Mortgage Lending & HMDA Data, 2010
In 2010, Washington Federal S&L of Seattle, WA reported 5,999 mortgage applications totaling $1.9 billion, down 19% from 2009. The average application was for $317,764, and applicants reported an average income of $132,817. 46% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,328), Portland-Vancouver-Hillsboro, OR-WA (374) and Phoenix-Mesa-Glendale, AZ (354) (applications in parentheses).
| Mortgage Company & Address | Washington Federal S&L 425 Pike Street Seattle, WA 98101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,999 |
| Total Mortgage Loan Application Amount | $1,906,269,000 |
| Average Mortgage Loan Application Amount | $317,764 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $132,817 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Washington Federal S&L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 999 | $ 409,050,000 | $ 409,459 | $ 147,000 |
| Snohomish, Washington | 329 | $ 101,539,000 | $ 308,629 | $ 120,000 |
| Maricopa, Arizona | 310 | $ 83,499,000 | $ 269,351 | $ 180,000 |
| Pima, Arizona | 235 | $ 76,446,000 | $ 325,302 | $ 139,000 |
| Pierce, Washington | 227 | $ 67,534,000 | $ 297,506 | $ 141,000 |
| Salt Lake, Utah | 210 | $ 64,601,000 | $ 307,623 | $ 134,000 |
| Kitsap, Washington | 183 | $ 61,423,000 | $ 335,644 | $ 137,000 |
| Skagit, Washington | 162 | $ 43,345,000 | $ 267,561 | $ 102,000 |
| Multnomah, Oregon | 131 | $ 58,709,000 | $ 448,160 | $ 131,000 |
| Clark, Nevada | 130 | $ 47,539,000 | $ 365,684 | $ 213,000 |
| Thurston, Washington | 116 | $ 33,066,000 | $ 285,051 | $ 111,000 |
| Deschutes, Oregon | 114 | $ 40,515,000 | $ 355,394 | $ 141,000 |
| Whatcom, Washington | 108 | $ 28,489,000 | $ 263,787 | $ 98,000 |
| Clackamas, Oregon | 101 | $ 43,740,000 | $ 433,069 | $ 158,000 |
| Ada, Idaho | 94 | $ 24,415,000 | $ 259,734 | $ 120,000 |
| Clallam, Washington | 92 | $ 23,818,000 | $ 258,891 | $ 76,000 |
| Lane, Oregon | 84 | $ 27,362,000 | $ 325,738 | $ 109,000 |
| Island, Washington | 82 | $ 26,595,000 | $ 324,329 | $ 113,000 |
| San Juan, Washington | 79 | $ 28,239,000 | $ 357,455 | $ 188,000 |
| Dallas, Texas | 74 | $ 34,707,000 | $ 469,013 | $ 209,000 |
| Bernalillo, New Mexico | 71 | $ 21,182,000 | $ 298,338 | $ 167,000 |
| Washington, Oregon | 63 | $ 20,376,000 | $ 323,428 | $ 109,000 |
| Marion, Oregon | 61 | $ 22,335,000 | $ 366,147 | $ 93,000 |
| Collin, Texas | 55 | $ 19,614,000 | $ 356,618 | $ 153,000 |
| Jackson, Oregon | 51 | $ 15,382,000 | $ 301,607 | $ 103,000 |
| Clark, Washington | 49 | $ 19,732,000 | $ 402,693 | $ 197,000 |
| Benton, Oregon | 46 | $ 13,097,000 | $ 284,717 | $ 94,000 |
| Utah, Utah | 46 | $ 15,973,000 | $ 347,239 | $ 141,000 |
| Pinal, Arizona | 44 | $ 5,034,000 | $ 114,409 | $ 94,000 |
| Davis, Utah | 41 | $ 16,312,000 | $ 397,853 | $ 119,000 |
| Jefferson, Washington | 41 | $ 11,529,000 | $ 281,195 | $ 89,000 |
| McKinley, New Mexico | 40 | $ 4,764,000 | $ 119,100 | $ 72,000 |
| Cache, Utah | 38 | $ 7,964,000 | $ 209,578 | $ 90,000 |
| El Paso, Texas | 37 | $ 6,130,000 | $ 165,675 | $ 86,000 |
| Tarrant, Texas | 37 | $ 13,577,000 | $ 366,945 | $ 140,000 |
| Lewis, Washington | 37 | $ 10,063,000 | $ 271,972 | $ 77,000 |
| Canyon, Idaho | 36 | $ 4,884,000 | $ 135,666 | $ 61,000 |
| Chaves, New Mexico | 34 | $ 3,013,000 | $ 88,617 | $ 54,000 |
| Twin Falls, Idaho | 33 | $ 6,294,000 | $ 190,727 | $ 81,000 |
| Lincoln, New Mexico | 33 | $ 4,324,000 | $ 131,030 | $ 57,000 |
| Madison, Idaho | 31 | $ 4,394,000 | $ 141,741 | $ 282,000 |
| Lincoln, Oregon | 30 | $ 6,347,000 | $ 211,566 | $ 81,000 |
| Sandoval, New Mexico | 29 | $ 9,880,000 | $ 340,689 | $ 153,000 |
| Mason, Washington | 29 | $ 6,600,000 | $ 227,586 | $ 97,000 |
| San Juan, New Mexico | 28 | $ 6,899,000 | $ 246,392 | $ 128,000 |
| Carbon, Utah | 27 | $ 5,436,000 | $ 201,333 | $ 97,000 |
| Linn, Oregon | 26 | $ 5,777,000 | $ 222,192 | $ 66,000 |
| Denton, Texas | 26 | $ 8,940,000 | $ 343,846 | $ 177,000 |
| Yamhill, Oregon | 25 | $ 8,550,000 | $ 342,000 | $ 88,000 |
| Weber, Utah | 25 | $ 8,261,000 | $ 330,440 | $ 160,000 |
| Bonneville, Idaho | 23 | $ 4,451,000 | $ 193,521 | $ 83,000 |
| Yavapai, Arizona | 22 | $ 5,202,000 | $ 236,454 | $ 194,000 |
| Santa Fe, New Mexico | 22 | $ 11,081,000 | $ 503,681 | $ 206,000 |
| Summit, Utah | 22 | $ 7,743,000 | $ 351,954 | $ 310,000 |
| Jerome, Idaho | 20 | $ 2,475,000 | $ 123,750 | $ 59,000 |
| Eddy, New Mexico | 17 | $ 2,325,000 | $ 136,764 | $ 69,000 |
| Wasatch, Utah | 17 | $ 7,288,000 | $ 428,705 | $ 212,000 |
| Cowlitz, Washington | 16 | $ 4,643,000 | $ 290,187 | $ 96,000 |
| Douglas, Oregon | 14 | $ 3,641,000 | $ 260,071 | $ 88,000 |
| Hood River, Oregon | 14 | $ 4,311,000 | $ 307,928 | $ 89,000 |
| Polk, Oregon | 14 | $ 5,302,000 | $ 378,714 | $ 340,000 |
| Bannock, Idaho | 13 | $ 1,353,000 | $ 104,076 | $ 77,000 |
| Bingham, Idaho | 12 | $ 1,856,000 | $ 154,666 | $ 52,000 |
| Dona Ana, New Mexico | 12 | $ 2,601,000 | $ 216,750 | $ 86,000 |
| Crook, Oregon | 12 | $ 2,137,000 | $ 178,083 | $ 69,000 |
| Josephine, Oregon | 12 | $ 2,930,000 | $ 244,166 | $ 63,000 |
| Klamath, Oregon | 12 | $ 2,239,000 | $ 186,583 | $ 64,000 |
| Kittitas, Washington | 12 | $ 5,366,000 | $ 447,166 | $ 222,000 |
| Jefferson, Idaho | 11 | $ 2,051,000 | $ 186,454 | $ 83,000 |
| Morgan, Utah | 10 | $ 4,358,000 | $ 435,800 | $ 151,000 |
| Klickitat, Washington | 9 | $ 2,570,000 | $ 285,555 | $ 100,000 |
| Box Elder, Utah | 8 | $ 1,218,000 | $ 152,250 | $ 82,000 |
| Santa Cruz, Arizona | 7 | $ 2,125,000 | $ 303,571 | $ 180,000 |
| Jefferson, Oregon | 7 | $ 1,265,000 | $ 180,714 | $ 63,000 |
| Wasco, Oregon | 7 | $ 1,434,000 | $ 204,857 | $ 72,000 |
| Emery, Utah | 7 | $ 1,033,000 | $ 147,571 | $ 78,000 |
| Gooding, Idaho | 6 | $ 1,063,000 | $ 177,166 | $ 62,000 |
| Teton, Idaho | 6 | $ 2,000,000 | $ 333,333 | $ 300,000 |
| Valley, Idaho | 6 | $ 1,481,000 | $ 246,833 | $ 122,000 |
| Tooele, Utah | 6 | $ 1,198,000 | $ 199,666 | $ 68,000 |
| Rockwall, Texas | 5 | $ 1,780,000 | $ 356,000 | $ 190,000 |
| Grays Harbor, Washington | 5 | $ 1,154,000 | $ 230,800 | $ 70,000 |
| Fremont, Idaho | 4 | $ 738,000 | $ 184,500 | $ 76,000 |
| Otero, New Mexico | 4 | $ 381,000 | $ 95,250 | $ 63,000 |
| Valencia, New Mexico | 4 | $ 568,000 | $ 142,000 | $ 59,000 |
| Columbia, Oregon | 4 | $ 951,000 | $ 237,750 | $ 52,000 |
| Chelan, Washington | 4 | $ 2,202,000 | $ 550,500 | $ 467,000 |
| Minidoka, Idaho | 3 | $ 400,000 | $ 133,333 | $ 110,000 |
| Rich, Utah | 3 | $ 494,000 | $ 164,666 | $ 165,000 |
| Coconino, Arizona | 2 | $ 440,000 | $ 220,000 | $ 81,000 |
| Mohave, Arizona | 2 | $ 194,000 | $ 97,000 | $ 33,000 |
| Adams, Idaho | 2 | $ 330,000 | $ 165,000 | $ 152,000 |
| Blaine, Idaho | 2 | $ 1,060,000 | $ 530,000 | $ 270,000 |
| Boise, Idaho | 2 | $ 355,000 | $ 177,500 | $ 70,000 |
| Cassia, Idaho | 2 | $ 538,000 | $ 269,000 | $ 90,000 |
| Franklin, Idaho | 2 | $ 292,000 | $ 146,000 | $ 59,000 |
| Gem, Idaho | 2 | $ 101,000 | $ 50,500 | $ 175,000 |
| Clatsop, Oregon | 2 | $ 716,000 | $ 358,000 | $ 158,000 |
| Coos, Oregon | 2 | $ 265,000 | $ 132,500 | $ 70,000 |
| Tillamook, Oregon | 2 | $ 434,000 | $ 217,000 | $ 93,000 |
| Ellis, Texas | 2 | $ 275,000 | $ 137,500 | $ 94,000 |
| Bear Lake, Idaho | 1 | $ 165,000 | $ 165,000 | $ 140,000 |
| Lincoln, Idaho | 1 | $ 118,000 | $ 118,000 | $ 47,000 |
| Owyhee, Idaho | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Washington, Idaho | 1 | $ 296,000 | $ 296,000 | $ 108,000 |
| Nye, Nevada | 1 | $ 173,000 | $ 173,000 | $ 81,000 |
| Cooke, Texas | 1 | $ 320,000 | $ 320,000 | $ 117,000 |
| Parker, Texas | 1 | $ 600,000 | $ 600,000 | $ 177,000 |
| Douglas, Washington | 1 | $ 295,000 | $ 295,000 | $ 694,000 |
| Okanogan, Washington | 1 | $ 242,000 | $ 242,000 | $ 150,000 |
| Pacific, Washington | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Skamania, Washington | 1 | $ 345,000 | $ 345,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Washington Federal S&L 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,991 | $1,255,677,000 | $314,000 | $2,300,000 | $138,000 | $6,000,000 |
| Refinancing | 1,662 | $533,265,000 | $320,000 | $3,800,000 | $122,000 | $2,201,000 |
| Home Improvement | 346 | $117,327,000 | $339,000 | $1,600,000 | $125,000 | $921,000 |
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 | 4,656 | $1,470,536,000 | $315,000 | $2,500,000 | $138,000 | $4,454,000 |
| Not Provided | 437 | $153,445,000 | $351,000 | $1,755,000 | $159,000 | $6,000,000 |
| Asian | 382 | $117,602,000 | $307,000 | $2,600,000 | $129,000 | $2,460,000 |
| Hispanic | 230 | $48,675,000 | $211,000 | $904,000 | $86,000 | $487,000 |
| Not applicable | 176 | $84,713,000 | $481,000 | $3,800,000 | $0 | $0 |
| Black or African American | 58 | $16,019,000 | $276,000 | $750,000 | $145,000 | $1,771,000 |
| American Indian or Alaskan Native | 33 | $6,259,000 | $189,000 | $509,000 | $86,000 | $277,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $9,020,000 | $334,000 | $692,000 | $127,000 | $337,000 |
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) | 5,998 | $1,906,009,000 | $317,000 | $3,800,000 | $133,000 | $6,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $260,000 | $260,000 | $260,000 | $62,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 2,787 | $830,101,000 | $297,000 | $3,800,000 | $128,000 | $1,637,000 |
| Application Denied By Financial Institution | 1,402 | $490,082,000 | $349,000 | $2,600,000 | $138,000 | $6,000,000 |
| Application Withdrawn By Applicant | 671 | $206,396,000 | $307,000 | $3,400,000 | $140,000 | $3,946,000 |
| File Closed For Incompleteness | 356 | $121,564,000 | $341,000 | $1,709,000 | $138,000 | $3,344,000 |
| Preapproval Approved but not Accepted | 322 | $104,254,000 | $323,000 | $1,300,000 | $123,000 | $1,547,000 |
| Preapproval Denied by Financial Institution | 309 | $101,294,000 | $327,000 | $1,300,000 | $128,000 | $3,508,000 |
| Application Approved But Not Accepted | 152 | $52,578,000 | $345,000 | $1,400,000 | $153,000 | $751,000 |
| Loan Purchased By The 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 | 615 | $241,474,000 | $392,000 | $2,300,000 | $172,000 | $2,460,000 |
| Debt-To-Income Ratio | 532 | $181,199,000 | $340,000 | $2,600,000 | $101,000 | $6,000,000 |
| Credit History | 182 | $41,305,000 | $226,000 | $900,000 | $107,000 | $1,594,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 158 | $53,693,000 | $339,000 | $1,400,000 | $111,000 | $3,508,000 |
| Collateral | 156 | $53,073,000 | $340,000 | $1,250,000 | $185,000 | $4,454,000 |
| Employment History | 38 | $11,319,000 | $297,000 | $939,000 | $105,000 | $432,000 |
| Unverifiable Information | 18 | $4,808,000 | $267,000 | $600,000 | $84,000 | $191,000 |
| Credit Application Incomplete | 9 | $3,454,000 | $383,000 | $750,000 | $153,000 | $600,000 |
| Mortgage Insurance Denied | 3 | $1,051,000 | $350,000 | $500,000 | $77,000 | $116,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal S&L'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 Washington Federal S&L'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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