Washington Federal S&L Mortgage Lending & HMDA Data, 2003
In 2003, Washington Federal S&L of Seattle, WA reported 8,601 mortgage applications totaling $1.6 billion. The average application was for $186,930, and applicants reported an average income of $70,656. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,593), Phoenix-Mesa, AZ (793) and Salt Lake City-Ogden, UT (656) (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 | 8,601 |
| Total Mortgage Loan Application Amount | $1,607,791,000 |
| Average Mortgage Loan Application Amount | $186,930 |
| Highest Mortgage Loan Application Amount | $5,445,000 |
| Average Applicant Income | $70,656 |
| Highest Applicant Income | $1,400,000 |
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(HMDA) records Washington Federal S&L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,200 | $ 283,622,000 | $ 236,351 | $ 85,000 |
| Maricopa, Arizona | 760 | $ 121,051,000 | $ 159,277 | $ 59,000 |
| Pima, Arizona | 445 | $ 72,071,000 | $ 161,957 | $ 56,000 |
| Pierce, Washington | 431 | $ 80,219,000 | $ 186,122 | $ 87,000 |
| Salt Lake, Utah | 422 | $ 75,216,000 | $ 178,236 | $ 73,000 |
| Marion, Oregon | 351 | $ 64,203,000 | $ 182,914 | $ 47,000 |
| Ada, Idaho | 337 | $ 56,926,000 | $ 168,919 | $ 49,000 |
| Snohomish, Washington | 291 | $ 64,778,000 | $ 222,604 | $ 68,000 |
| Multnomah, Oregon | 272 | $ 88,490,000 | $ 325,330 | $ 108,000 |
| Lane, Oregon | 270 | $ 44,312,000 | $ 164,118 | $ 53,000 |
| Skagit, Washington | 216 | $ 37,587,000 | $ 174,013 | $ 63,000 |
| Thurston, Washington | 208 | $ 34,728,000 | $ 166,961 | $ 79,000 |
| Davis, Utah | 156 | $ 27,685,000 | $ 177,467 | $ 60,000 |
| Polk, Oregon | 152 | $ 24,162,000 | $ 158,960 | $ 54,000 |
| Kitsap, Washington | 148 | $ 32,765,000 | $ 221,385 | $ 79,000 |
| Canyon, Idaho | 146 | $ 18,871,000 | $ 129,253 | $ 54,000 |
| Washington, Oregon | 145 | $ 36,094,000 | $ 248,924 | $ 77,000 |
| Linn, Oregon | 143 | $ 21,043,000 | $ 147,153 | $ 66,000 |
| Deschutes, Oregon | 131 | $ 26,190,000 | $ 199,923 | $ 70,000 |
| Clark, Washington | 131 | $ 27,812,000 | $ 212,305 | $ 64,000 |
| Clark, Nevada | 125 | $ 20,373,000 | $ 162,984 | $ 68,000 |
| Benton, Oregon | 119 | $ 22,989,000 | $ 193,184 | $ 59,000 |
| San Juan, Washington | 111 | $ 25,467,000 | $ 229,432 | $ 82,000 |
| Cache, Utah | 106 | $ 12,603,000 | $ 118,896 | $ 64,000 |
| Lincoln, Oregon | 104 | $ 15,542,000 | $ 149,442 | $ 46,000 |
| Clackamas, Oregon | 103 | $ 28,160,000 | $ 273,398 | $ 64,000 |
| Island, Washington | 102 | $ 16,434,000 | $ 161,117 | $ 80,000 |
| Clallam, Washington | 100 | $ 14,664,000 | $ 146,640 | $ 63,000 |
| Whatcom, Washington | 93 | $ 15,561,000 | $ 167,322 | $ 69,000 |
| Bonneville, Idaho | 84 | $ 14,472,000 | $ 172,285 | $ 67,000 |
| Bingham, Idaho | 81 | $ 8,531,000 | $ 105,320 | $ 55,000 |
| Weber, Utah | 78 | $ 12,997,000 | $ 166,628 | $ 82,000 |
| Madison, Idaho | 69 | $ 12,848,000 | $ 186,202 | $ 40,000 |
| Jackson, Oregon | 59 | $ 10,153,000 | $ 172,084 | $ 62,000 |
| Utah, Utah | 57 | $ 9,414,000 | $ 165,157 | $ 64,000 |
| Bannock, Idaho | 55 | $ 7,462,000 | $ 135,672 | $ 42,000 |
| Valley, Idaho | 54 | $ 8,786,000 | $ 162,703 | $ 88,000 |
| Twin Falls, Idaho | 52 | $ 5,718,000 | $ 109,961 | $ 41,000 |
| Lewis, Washington | 40 | $ 4,265,000 | $ 106,625 | $ 66,000 |
| Crook, Oregon | 38 | $ 5,930,000 | $ 156,052 | $ 64,000 |
| Carbon, Utah | 35 | $ 4,457,000 | $ 127,342 | $ 33,000 |
| Pinal, Arizona | 33 | $ 4,715,000 | $ 142,878 | $ 50,000 |
| Jerome, Idaho | 32 | $ 2,659,000 | $ 83,093 | $ 39,000 |
| Summit, Utah | 32 | $ 7,702,000 | $ 240,687 | $ 138,000 |
| Douglas, Oregon | 30 | $ 4,325,000 | $ 144,166 | $ 50,000 |
| Yamhill, Oregon | 26 | $ 6,333,000 | $ 243,576 | $ 72,000 |
| Fremont, Idaho | 25 | $ 2,969,000 | $ 118,760 | $ 78,000 |
| Mason, Washington | 24 | $ 4,186,000 | $ 174,416 | $ 83,000 |
| Jefferson, Idaho | 23 | $ 2,592,000 | $ 112,695 | $ 45,000 |
| Columbia, Oregon | 22 | $ 3,537,000 | $ 160,772 | $ 67,000 |
| Gooding, Idaho | 18 | $ 1,709,000 | $ 94,944 | $ 58,000 |
| Cowlitz, Washington | 18 | $ 2,962,000 | $ 164,555 | $ 54,000 |
| Box Elder, Utah | 16 | $ 1,753,000 | $ 109,562 | $ 31,000 |
| Wasatch, Utah | 16 | $ 3,611,000 | $ 225,687 | $ 70,000 |
| Klickitat, Washington | 15 | $ 1,902,000 | $ 126,800 | $ 55,000 |
| Payette, Idaho | 14 | $ 1,262,000 | $ 90,142 | $ 215,000 |
| Wasco, Oregon | 14 | $ 1,957,000 | $ 139,785 | $ 63,000 |
| Jefferson, Washington | 14 | $ 1,990,000 | $ 142,142 | $ 75,000 |
| Hood River, Oregon | 13 | $ 1,807,000 | $ 139,000 | $ 47,000 |
| Tooele, Utah | 11 | $ 1,600,000 | $ 145,454 | $ 39,000 |
| Yavapai, Arizona | 9 | $ 1,273,000 | $ 141,444 | $ 76,000 |
| Boise, Idaho | 9 | $ 1,173,000 | $ 130,333 | $ 62,000 |
| Santa Cruz, Arizona | 7 | $ 1,280,000 | $ 182,857 | $ 81,000 |
| Tillamook, Oregon | 7 | $ 1,830,000 | $ 261,428 | $ 203,000 |
| Tarrant, Texas | 7 | $ 772,000 | $ 110,285 | $ 186,000 |
| Adams, Idaho | 6 | $ 880,000 | $ 146,666 | $ 97,000 |
| Washoe, Nevada | 6 | $ 2,204,000 | $ 367,333 | $ 0 |
| Coos, Oregon | 6 | $ 949,000 | $ 158,166 | $ 16,000 |
| Josephine, Oregon | 6 | $ 1,199,000 | $ 199,833 | $ 63,000 |
| Skamania, Washington | 6 | $ 947,000 | $ 157,833 | $ 168,000 |
| Denver, Colorado | 5 | $ 1,798,000 | $ 359,600 | $ 0 |
| Jefferson, Colorado | 5 | $ 1,269,000 | $ 253,800 | $ 0 |
| Bear Lake, Idaho | 5 | $ 961,000 | $ 192,200 | $ 128,000 |
| Blaine, Idaho | 5 | $ 696,000 | $ 139,200 | $ 39,000 |
| Caribou, Idaho | 5 | $ 682,000 | $ 136,400 | $ 65,000 |
| Franklin, Idaho | 5 | $ 654,000 | $ 130,800 | $ 48,000 |
| Gem, Idaho | 5 | $ 423,000 | $ 84,600 | $ 69,000 |
| Lincoln, Idaho | 5 | $ 477,000 | $ 95,400 | $ 35,000 |
| Dallas, Texas | 5 | $ 937,000 | $ 187,400 | $ 83,000 |
| Washington, Utah | 5 | $ 460,000 | $ 92,000 | $ 119,000 |
| El Paso, Colorado | 4 | $ 1,940,000 | $ 485,000 | $ 70,000 |
| Teton, Idaho | 4 | $ 604,000 | $ 151,000 | $ 60,000 |
| Jefferson, Oregon | 4 | $ 1,018,000 | $ 254,500 | $ 41,000 |
| Morgan, Utah | 4 | $ 1,612,000 | $ 403,000 | $ 43,000 |
| Navajo, Arizona | 3 | $ 248,000 | $ 82,666 | $ 31,000 |
| Elmore, Idaho | 3 | $ 262,000 | $ 87,333 | $ 40,000 |
| Oneida, Idaho | 3 | $ 490,000 | $ 163,333 | $ 63,000 |
| Owyhee, Idaho | 3 | $ 268,000 | $ 89,333 | $ 58,000 |
| Coconino, Arizona | 2 | $ 192,000 | $ 96,000 | $ 49,000 |
| Gila, Arizona | 2 | $ 150,000 | $ 75,000 | $ 202,000 |
| Douglas, Colorado | 2 | $ 528,000 | $ 264,000 | $ 172,000 |
| Minidoka, Idaho | 2 | $ 124,000 | $ 62,000 | $ 51,000 |
| Power, Idaho | 2 | $ 141,000 | $ 70,500 | $ 63,000 |
| Denton, Texas | 2 | $ 740,000 | $ 370,000 | $ 257,000 |
| Rich, Utah | 2 | $ 182,000 | $ 91,000 | $ 98,000 |
| Grays Harbor, Washington | 2 | $ 332,000 | $ 166,000 | $ 41,000 |
| Kittitas, Washington | 2 | $ 528,000 | $ 264,000 | $ 74,000 |
| Spokane, Washington | 2 | $ 252,000 | $ 126,000 | $ 216,000 |
| Adams, Colorado | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Boulder, Colorado | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Pueblo, Colorado | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Camas, Idaho | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Cassia, Idaho | 1 | $ 44,000 | $ 44,000 | $ 98,000 |
| Nye, Nevada | 1 | $ 108,000 | $ 108,000 | $ 81,000 |
| Clatsop, Oregon | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| Harney, Oregon | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Klamath, Oregon | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Lake, Oregon | 1 | $ 152,000 | $ 152,000 | $ 38,000 |
| Malheur, Oregon | 1 | $ 57,000 | $ 57,000 | $ 75,000 |
| Sherman, Oregon | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Collin, Texas | 1 | $ 575,000 | $ 575,000 | $ 201,000 |
| Grayson, Texas | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Travis, Texas | 1 | $ 387,000 | $ 387,000 | $ 116,000 |
| Emery, Utah | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Sanpete, Utah | 1 | $ 87,000 | $ 87,000 | $ 132,000 |
| Uintah, 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.
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