Washington Federal S&L
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Washington Federal S&L 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 8,601 |
| Total Mortgage Loan Application Amount | $1,607,791,000 |
| Average Mortgage Loan Application Amount | $240,214 |
| Highest Mortgage Loan Application Amount | $5,445,000 |
| Average Applicant Income | $57,107 |
| Highest Applicant Income | $1,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Washington Federal S&L. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Washington Federal S&L's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Washington Federal S&L's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Washington Federal S&L serves its applicants.
Each category highlights the total number of mortgage applications processed by Washington Federal S&L, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Washington Federal S&L's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| King County Washington | 1,200 | $ 283,622,000 | $ 236,000 | $ 85,000 |
| Maricopa County Arizona | 760 | $ 121,051,000 | $ 159,000 | $ 59,000 |
| Pima County Arizona | 445 | $ 72,071,000 | $ 161,000 | $ 56,000 |
| Pierce County Washington | 431 | $ 80,219,000 | $ 186,000 | $ 87,000 |
| Salt Lake County Utah | 422 | $ 75,216,000 | $ 178,000 | $ 73,000 |
| Marion County Oregon | 351 | $ 64,203,000 | $ 182,000 | $ 47,000 |
| Ada County Idaho | 337 | $ 56,926,000 | $ 168,000 | $ 49,000 |
| Snohomish County Washington | 291 | $ 64,778,000 | $ 222,000 | $ 68,000 |
| Multnomah County Oregon | 272 | $ 88,490,000 | $ 325,000 | $ 108,000 |
| Lane County Oregon | 270 | $ 44,312,000 | $ 164,000 | $ 53,000 |
| Skagit County Washington | 216 | $ 37,587,000 | $ 174,000 | $ 63,000 |
| Thurston County Washington | 208 | $ 34,728,000 | $ 166,000 | $ 79,000 |
| Davis County Utah | 156 | $ 27,685,000 | $ 177,000 | $ 60,000 |
| Polk County Oregon | 152 | $ 24,162,000 | $ 158,000 | $ 54,000 |
| Kitsap County Washington | 148 | $ 32,765,000 | $ 221,000 | $ 79,000 |
| Canyon County Idaho | 146 | $ 18,871,000 | $ 129,000 | $ 54,000 |
| Washington County Oregon | 145 | $ 36,094,000 | $ 248,000 | $ 77,000 |
| Linn County Oregon | 143 | $ 21,043,000 | $ 147,000 | $ 66,000 |
| Deschutes County Oregon | 131 | $ 26,190,000 | $ 199,000 | $ 70,000 |
| Clark County Washington | 131 | $ 27,812,000 | $ 212,000 | $ 64,000 |
| Clark County Nevada | 125 | $ 20,373,000 | $ 162,000 | $ 68,000 |
| Benton County Oregon | 119 | $ 22,989,000 | $ 193,000 | $ 59,000 |
| San Juan County Washington | 111 | $ 25,467,000 | $ 229,000 | $ 82,000 |
| Cache County Utah | 106 | $ 12,603,000 | $ 118,000 | $ 64,000 |
| Lincoln County Oregon | 104 | $ 15,542,000 | $ 149,000 | $ 46,000 |
| Clackamas County Oregon | 103 | $ 28,160,000 | $ 273,000 | $ 64,000 |
| Island County Washington | 102 | $ 16,434,000 | $ 161,000 | $ 80,000 |
| Clallam County Washington | 100 | $ 14,664,000 | $ 146,000 | $ 63,000 |
| Whatcom County Washington | 93 | $ 15,561,000 | $ 167,000 | $ 69,000 |
| Bonneville County Idaho | 84 | $ 14,472,000 | $ 172,000 | $ 67,000 |
| Bingham County Idaho | 81 | $ 8,531,000 | $ 105,000 | $ 55,000 |
| Weber County Utah | 78 | $ 12,997,000 | $ 166,000 | $ 82,000 |
| Madison County Idaho | 69 | $ 12,848,000 | $ 186,000 | $ 40,000 |
| Jackson County Oregon | 59 | $ 10,153,000 | $ 172,000 | $ 62,000 |
| Utah County Utah | 57 | $ 9,414,000 | $ 165,000 | $ 64,000 |
| Bannock County Idaho | 55 | $ 7,462,000 | $ 135,000 | $ 42,000 |
| Valley County Idaho | 54 | $ 8,786,000 | $ 162,000 | $ 88,000 |
| Twin Falls County Idaho | 52 | $ 5,718,000 | $ 109,000 | $ 41,000 |
| Lewis County Washington | 40 | $ 4,265,000 | $ 106,000 | $ 66,000 |
| Crook County Oregon | 38 | $ 5,930,000 | $ 156,000 | $ 64,000 |
| Carbon County Utah | 35 | $ 4,457,000 | $ 127,000 | $ 33,000 |
| Pinal County Arizona | 33 | $ 4,715,000 | $ 142,000 | $ 50,000 |
| Jerome County Idaho | 32 | $ 2,659,000 | $ 83,000 | $ 39,000 |
| Summit County Utah | 32 | $ 7,702,000 | $ 240,000 | $ 138,000 |
| Douglas County Oregon | 30 | $ 4,325,000 | $ 144,000 | $ 50,000 |
| Yamhill County Oregon | 26 | $ 6,333,000 | $ 243,000 | $ 72,000 |
| Fremont County Idaho | 25 | $ 2,969,000 | $ 118,000 | $ 78,000 |
| Mason County Washington | 24 | $ 4,186,000 | $ 174,000 | $ 83,000 |
| Jefferson County Idaho | 23 | $ 2,592,000 | $ 112,000 | $ 45,000 |
| Columbia County Oregon | 22 | $ 3,537,000 | $ 160,000 | $ 67,000 |
| Gooding County Idaho | 18 | $ 1,709,000 | $ 94,000 | $ 58,000 |
| Cowlitz County Washington | 18 | $ 2,962,000 | $ 164,000 | $ 54,000 |
| Box Elder County Utah | 16 | $ 1,753,000 | $ 109,000 | $ 31,000 |
| Wasatch County Utah | 16 | $ 3,611,000 | $ 225,000 | $ 70,000 |
| Klickitat County Washington | 15 | $ 1,902,000 | $ 126,000 | $ 55,000 |
| Payette County Idaho | 14 | $ 1,262,000 | $ 90,000 | $ 215,000 |
| Wasco County Oregon | 14 | $ 1,957,000 | $ 139,000 | $ 63,000 |
| Jefferson County Washington | 14 | $ 1,990,000 | $ 142,000 | $ 75,000 |
| Hood River County Oregon | 13 | $ 1,807,000 | $ 139,000 | $ 47,000 |
| Tooele County Utah | 11 | $ 1,600,000 | $ 145,000 | $ 39,000 |
| Yavapai County Arizona | 9 | $ 1,273,000 | $ 141,000 | $ 76,000 |
| Boise County Idaho | 9 | $ 1,173,000 | $ 130,000 | $ 62,000 |
| Santa Cruz County Arizona | 7 | $ 1,280,000 | $ 182,000 | $ 81,000 |
| Tillamook County Oregon | 7 | $ 1,830,000 | $ 261,000 | $ 203,000 |
| Tarrant County Texas | 7 | $ 772,000 | $ 110,000 | $ 186,000 |
| Adams County Idaho | 6 | $ 880,000 | $ 146,000 | $ 97,000 |
| Washoe County Nevada | 6 | $ 2,204,000 | $ 367,000 | $ 0 |
| Coos County Oregon | 6 | $ 949,000 | $ 158,000 | $ 16,000 |
| Josephine County Oregon | 6 | $ 1,199,000 | $ 199,000 | $ 63,000 |
| Skamania County Washington | 6 | $ 947,000 | $ 157,000 | $ 168,000 |
| Denver County Colorado | 5 | $ 1,798,000 | $ 359,000 | $ 0 |
| Jefferson County Colorado | 5 | $ 1,269,000 | $ 253,000 | $ 0 |
| Bear Lake County Idaho | 5 | $ 961,000 | $ 192,000 | $ 128,000 |
| Blaine County Idaho | 5 | $ 696,000 | $ 139,000 | $ 39,000 |
| Caribou County Idaho | 5 | $ 682,000 | $ 136,000 | $ 65,000 |
| Franklin County Idaho | 5 | $ 654,000 | $ 130,000 | $ 48,000 |
| Gem County Idaho | 5 | $ 423,000 | $ 84,000 | $ 69,000 |
| Lincoln County Idaho | 5 | $ 477,000 | $ 95,000 | $ 35,000 |
| Dallas County Texas | 5 | $ 937,000 | $ 187,000 | $ 83,000 |
| Washington County Utah | 5 | $ 460,000 | $ 92,000 | $ 119,000 |
| El Paso County Colorado | 4 | $ 1,940,000 | $ 485,000 | $ 70,000 |
| Teton County Idaho | 4 | $ 604,000 | $ 151,000 | $ 60,000 |
| Jefferson County Oregon | 4 | $ 1,018,000 | $ 254,000 | $ 41,000 |
| Morgan County Utah | 4 | $ 1,612,000 | $ 403,000 | $ 43,000 |
| Navajo County Arizona | 3 | $ 248,000 | $ 82,000 | $ 31,000 |
| Elmore County Idaho | 3 | $ 262,000 | $ 87,000 | $ 40,000 |
| Oneida County Idaho | 3 | $ 490,000 | $ 163,000 | $ 63,000 |
| Owyhee County Idaho | 3 | $ 268,000 | $ 89,000 | $ 58,000 |
| Coconino County Arizona | 2 | $ 192,000 | $ 96,000 | $ 49,000 |
| Gila County Arizona | 2 | $ 150,000 | $ 75,000 | $ 202,000 |
| Douglas County Colorado | 2 | $ 528,000 | $ 264,000 | $ 172,000 |
| Minidoka County Idaho | 2 | $ 124,000 | $ 62,000 | $ 51,000 |
| Power County Idaho | 2 | $ 141,000 | $ 70,000 | $ 63,000 |
| Denton County Texas | 2 | $ 740,000 | $ 370,000 | $ 257,000 |
| Rich County Utah | 2 | $ 182,000 | $ 91,000 | $ 98,000 |
| Grays Harbor County Washington | 2 | $ 332,000 | $ 166,000 | $ 41,000 |
| Kittitas County Washington | 2 | $ 528,000 | $ 264,000 | $ 74,000 |
| Spokane County Washington | 2 | $ 252,000 | $ 126,000 | $ 216,000 |
| Adams County Colorado | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Boulder County Colorado | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Pueblo County Colorado | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Camas County Idaho | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Cassia County Idaho | 1 | $ 44,000 | $ 44,000 | $ 98,000 |
| Nye County Nevada | 1 | $ 108,000 | $ 108,000 | $ 81,000 |
| Clatsop County Oregon | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| Harney County Oregon | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Klamath County Oregon | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Lake County Oregon | 1 | $ 152,000 | $ 152,000 | $ 38,000 |
| Malheur County Oregon | 1 | $ 57,000 | $ 57,000 | $ 75,000 |
| Sherman County Oregon | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Collin County Texas | 1 | $ 575,000 | $ 575,000 | $ 201,000 |
| Grayson County Texas | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Travis County Texas | 1 | $ 387,000 | $ 387,000 | $ 116,000 |
| Emery County Utah | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Sanpete County Utah | 1 | $ 87,000 | $ 87,000 | $ 132,000 |
| Uintah County Utah | 1 | $ 191,000 | $ 191,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Washington Federal S&L in 2003
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 (one-to-four family) | 4,171 | $815,970,000 | $176,625 | $1,900,000 | $72,000 | $939,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 4,064 | $611,249,000 | $169,125 | $1,750,000 | $83,375 | $1,400,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 296 | $177,997,000 | $542,000 | $5,445,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 70 | $2,575,000 | $33,200 | $350,000 | $71,200 | $430,000 |
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 | 6,967 | $1,250,014,000 | $206,000 | $2,500,000 | $80,250 | $1,400,000 |
| Not applicable | 604 | $172,304,000 | $247,875 | $5,445,000 | $0 | $0 |
| Asian or Pacific Islander | 457 | $87,772,000 | $256,142 | $1,200,000 | $86,142 | $835,000 |
| Hispanic | 270 | $36,700,000 | $182,750 | $1,200,000 | $90,750 | $515,000 |
| Information not provided by applicant in mail or telephone application | 159 | $35,339,000 | $165,857 | $2,520,000 | $74,285 | $500,000 |
| Black | 109 | $20,817,000 | $170,666 | $700,000 | $71,166 | $204,000 |
| American Indian or Alaskan Native | 33 | $4,673,000 | $141,800 | $600,000 | $64,600 | $156,000 |
| Other | 2 | $172,000 | $86,000 | $120,000 | $38,500 | $53,000 |
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) | 8,584 | $1,605,959,000 | $200,375 | $5,445,000 | $72,750 | $1,400,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,045,000 | $116,000 | $193,000 | $52,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 8 | $787,000 | $98,000 | $130,000 | $45,000 | $79,000 |
| 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 | 6,763 | $1,266,274,000 | $208,875 | $5,445,000 | $61,125 | $1,400,000 |
| Application Withdrawn By Applicant | 1,068 | $193,730,000 | $180,714 | $1,100,000 | $69,857 | $708,000 |
| Application Denied By Financial Institution | 407 | $76,875,000 | $174,285 | $980,000 | $81,428 | $650,000 |
| File Closed For Incompleteness | 176 | $30,950,000 | $223,142 | $750,000 | $132,285 | $629,000 |
| Application Approved But Not Accepted | 169 | $36,770,000 | $201,000 | $1,500,000 | $60,333 | $950,000 |
| Loan Purchased By The Institution | 18 | $3,192,000 | $154,666 | $190,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 150 | $30,129,000 | $189,000 | $975,000 | $53,833 | $208,000 |
| Credit History | 105 | $17,274,000 | $145,833 | $575,000 | $61,666 | $343,000 |
| Collateral | 75 | $13,434,000 | $162,833 | $675,000 | $92,333 | $355,000 |
| Other | 44 | $9,834,000 | $191,857 | $980,000 | $104,428 | $650,000 |
| Employment History | 12 | $2,104,000 | $177,666 | $405,000 | $50,333 | $93,000 |
| Unverifiable Information | 10 | $1,344,000 | $124,666 | $301,000 | $77,666 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,388,000 | $270,800 | $575,000 | $103,200 | $247,000 |
| Credit Application Incomplete | 2 | $368,000 | $184,000 | $240,000 | $104,000 | $130,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal S&L's 2003 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.