Washington Federal S&L Mortgage Lending & HMDA Data, 2004
In 2004, Washington Federal S&L of Seattle, WA reported 7,705 mortgage applications totaling $1.6 billion, down 10% from 2003. The average application was for $202,126, and applicants reported an average income of $78,800. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,033), Phoenix-Mesa-Scottsdale, AZ (738) and Portland-Vancouver-Beaverton, OR-WA (473) (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 | 7,705 |
| Total Mortgage Loan Application Amount | $1,557,388,000 |
| Average Mortgage Loan Application Amount | $202,126 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $78,800 |
| Highest Applicant Income | $9,546,000 |
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(HMDA) records Washington Federal S&L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 812 | $ 224,537,000 | $ 276,523 | $ 88,000 |
| Maricopa, Arizona | 673 | $ 107,182,000 | $ 159,260 | $ 73,000 |
| Pierce, Washington | 359 | $ 82,217,000 | $ 229,016 | $ 92,000 |
| Pima, Arizona | 328 | $ 61,405,000 | $ 187,210 | $ 60,000 |
| Salt Lake, Utah | 321 | $ 68,889,000 | $ 214,607 | $ 84,000 |
| Lane, Oregon | 296 | $ 56,010,000 | $ 189,222 | $ 54,000 |
| Marion, Oregon | 259 | $ 55,274,000 | $ 213,413 | $ 59,000 |
| Skagit, Washington | 228 | $ 41,903,000 | $ 183,785 | $ 72,000 |
| Snohomish, Washington | 221 | $ 56,622,000 | $ 256,208 | $ 79,000 |
| Ada, Idaho | 215 | $ 42,464,000 | $ 197,506 | $ 86,000 |
| Thurston, Washington | 207 | $ 35,410,000 | $ 171,062 | $ 81,000 |
| Kitsap, Washington | 175 | $ 39,306,000 | $ 224,605 | $ 79,000 |
| Washington, Oregon | 158 | $ 31,632,000 | $ 200,202 | $ 231,000 |
| Deschutes, Oregon | 155 | $ 32,158,000 | $ 207,470 | $ 124,000 |
| Linn, Oregon | 155 | $ 22,362,000 | $ 144,270 | $ 46,000 |
| Multnomah, Oregon | 151 | $ 45,878,000 | $ 303,827 | $ 81,000 |
| Clark, Washington | 129 | $ 23,852,000 | $ 184,899 | $ 47,000 |
| Lincoln, Oregon | 126 | $ 18,017,000 | $ 142,992 | $ 47,000 |
| Clark, Nevada | 123 | $ 25,821,000 | $ 209,926 | $ 63,000 |
| Polk, Oregon | 122 | $ 21,920,000 | $ 179,672 | $ 73,000 |
| Clallam, Washington | 120 | $ 23,783,000 | $ 198,191 | $ 69,000 |
| Island, Washington | 120 | $ 24,359,000 | $ 202,991 | $ 104,000 |
| Cache, Utah | 108 | $ 17,335,000 | $ 160,509 | $ 56,000 |
| Benton, Oregon | 107 | $ 28,043,000 | $ 262,084 | $ 64,000 |
| Canyon, Idaho | 102 | $ 16,442,000 | $ 161,196 | $ 43,000 |
| Nye, Nevada | 101 | $ 12,439,000 | $ 123,158 | $ 39,000 |
| Clackamas, Oregon | 100 | $ 29,919,000 | $ 299,190 | $ 80,000 |
| Whatcom, Washington | 99 | $ 17,963,000 | $ 181,444 | $ 84,000 |
| Bonneville, Idaho | 92 | $ 16,089,000 | $ 174,880 | $ 62,000 |
| San Juan, Washington | 89 | $ 23,694,000 | $ 266,224 | $ 103,000 |
| Pinal, Arizona | 65 | $ 8,594,000 | $ 132,215 | $ 48,000 |
| Davis, Utah | 63 | $ 15,468,000 | $ 245,523 | $ 65,000 |
| Weber, Utah | 63 | $ 11,928,000 | $ 189,333 | $ 104,000 |
| Bingham, Idaho | 56 | $ 7,562,000 | $ 135,035 | $ 60,000 |
| Madison, Idaho | 52 | $ 9,987,000 | $ 192,057 | $ 59,000 |
| Valley, Idaho | 52 | $ 12,788,000 | $ 245,923 | $ 143,000 |
| Utah, Utah | 47 | $ 8,765,000 | $ 186,489 | $ 57,000 |
| Mason, Washington | 47 | $ 8,314,000 | $ 176,893 | $ 100,000 |
| Dallas, Texas | 44 | $ 6,859,000 | $ 155,886 | $ 97,000 |
| Twin Falls, Idaho | 42 | $ 5,257,000 | $ 125,166 | $ 68,000 |
| Jackson, Oregon | 42 | $ 8,085,000 | $ 192,500 | $ 238,000 |
| Yamhill, Oregon | 40 | $ 9,860,000 | $ 246,500 | $ 59,000 |
| Bannock, Idaho | 39 | $ 4,951,000 | $ 126,948 | $ 60,000 |
| Lewis, Washington | 32 | $ 3,597,000 | $ 112,406 | $ 67,000 |
| Crook, Oregon | 30 | $ 4,639,000 | $ 154,633 | $ 51,000 |
| Denton, Texas | 30 | $ 4,224,000 | $ 140,800 | $ 103,000 |
| Jefferson, Idaho | 27 | $ 3,603,000 | $ 133,444 | $ 49,000 |
| Jerome, Idaho | 27 | $ 2,567,000 | $ 95,074 | $ 42,000 |
| Carbon, Utah | 26 | $ 3,875,000 | $ 149,038 | $ 70,000 |
| Box Elder, Utah | 25 | $ 3,430,000 | $ 137,200 | $ 51,000 |
| Fremont, Idaho | 24 | $ 4,534,000 | $ 188,916 | $ 143,000 |
| Gooding, Idaho | 24 | $ 2,456,000 | $ 102,333 | $ 53,000 |
| Columbia, Oregon | 24 | $ 4,300,000 | $ 179,166 | $ 75,000 |
| Tarrant, Texas | 24 | $ 2,144,000 | $ 89,333 | $ 189,000 |
| Douglas, Oregon | 23 | $ 2,886,000 | $ 125,478 | $ 40,000 |
| Wasco, Oregon | 23 | $ 2,980,000 | $ 129,565 | $ 63,000 |
| Jefferson, Oregon | 21 | $ 3,233,000 | $ 153,952 | $ 53,000 |
| Jefferson, Washington | 21 | $ 4,454,000 | $ 212,095 | $ 56,000 |
| Summit, Utah | 20 | $ 5,452,000 | $ 272,600 | $ 100,000 |
| Klickitat, Washington | 20 | $ 2,359,000 | $ 117,950 | $ 55,000 |
| Hood River, Oregon | 16 | $ 3,068,000 | $ 191,750 | $ 69,000 |
| Collin, Texas | 16 | $ 3,278,000 | $ 204,875 | $ 119,000 |
| Cowlitz, Washington | 16 | $ 2,385,000 | $ 149,062 | $ 94,000 |
| Yavapai, Arizona | 14 | $ 1,954,000 | $ 139,571 | $ 51,000 |
| Josephine, Oregon | 14 | $ 3,082,000 | $ 220,142 | $ 52,000 |
| Payette, Idaho | 12 | $ 1,196,000 | $ 99,666 | $ 148,000 |
| Coos, Oregon | 12 | $ 1,366,000 | $ 113,833 | $ 50,000 |
| Santa Cruz, Arizona | 10 | $ 1,771,000 | $ 177,100 | $ 67,000 |
| Kaufman, Texas | 9 | $ 1,222,000 | $ 135,777 | $ 105,000 |
| Washington, Utah | 9 | $ 2,782,000 | $ 309,111 | $ 149,000 |
| Tillamook, Oregon | 8 | $ 1,184,000 | $ 148,000 | $ 95,000 |
| Adams, Idaho | 7 | $ 1,128,000 | $ 161,142 | $ 47,000 |
| Emery, Utah | 7 | $ 852,000 | $ 121,714 | $ 45,000 |
| Grays Harbor, Washington | 7 | $ 1,094,000 | $ 156,285 | $ 71,000 |
| Clatsop, Oregon | 6 | $ 808,000 | $ 134,666 | $ 43,000 |
| Tooele, Utah | 6 | $ 736,000 | $ 122,666 | $ 46,000 |
| Navajo, Arizona | 5 | $ 1,067,000 | $ 213,400 | $ 127,000 |
| Boulder, Colorado | 5 | $ 728,000 | $ 145,600 | $ 67,000 |
| Bear Lake, Idaho | 5 | $ 1,042,000 | $ 208,400 | $ 187,000 |
| Boise, Idaho | 5 | $ 750,000 | $ 150,000 | $ 83,000 |
| Caribou, Idaho | 5 | $ 752,000 | $ 150,400 | $ 105,000 |
| Ellis, Texas | 5 | $ 606,000 | $ 121,200 | $ 44,000 |
| Wasatch, Utah | 5 | $ 840,000 | $ 168,000 | $ 50,000 |
| Coconino, Arizona | 4 | $ 501,000 | $ 125,250 | $ 35,000 |
| Denver, Colorado | 4 | $ 1,499,000 | $ 374,750 | $ 17,000 |
| Blaine, Idaho | 4 | $ 540,000 | $ 135,000 | $ 49,000 |
| Franklin, Idaho | 4 | $ 496,000 | $ 124,000 | $ 49,000 |
| Owyhee, Idaho | 4 | $ 499,000 | $ 124,750 | $ 72,000 |
| Klamath, Oregon | 4 | $ 412,000 | $ 103,000 | $ 49,000 |
| Morgan, Utah | 4 | $ 923,000 | $ 230,750 | $ 70,000 |
| Gila, Arizona | 3 | $ 942,000 | $ 314,000 | $ 93,000 |
| Arapahoe, Colorado | 3 | $ 1,254,000 | $ 418,000 | $ 43,000 |
| El Paso, Colorado | 3 | $ 520,000 | $ 173,333 | $ 24,000 |
| Jefferson, Colorado | 3 | $ 1,754,000 | $ 584,666 | $ 14,000 |
| Gem, Idaho | 3 | $ 996,000 | $ 332,000 | $ 33,000 |
| Idaho, Idaho | 3 | $ 402,000 | $ 134,000 | $ 78,000 |
| Lincoln, Idaho | 3 | $ 194,000 | $ 64,666 | $ 70,000 |
| Washoe, Nevada | 3 | $ 1,520,000 | $ 506,666 | $ 0 |
| Skamania, Washington | 3 | $ 403,000 | $ 134,333 | $ 101,000 |
| Cochise, Arizona | 2 | $ 349,000 | $ 174,500 | $ 60,000 |
| Teton, Idaho | 2 | $ 775,000 | $ 387,500 | $ 171,000 |
| Grayson, Texas | 2 | $ 312,000 | $ 156,000 | $ 123,000 |
| Sanpete, Utah | 2 | $ 359,000 | $ 179,500 | $ 127,000 |
| Kittitas, Washington | 2 | $ 1,352,000 | $ 676,000 | $ 312,000 |
| Apache, Arizona | 1 | $ 70,000 | $ 70,000 | $ 150,000 |
| Graham, Arizona | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Adams, Colorado | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Douglas, Colorado | 1 | $ 488,000 | $ 488,000 | $ 120,000 |
| Elbert, Colorado | 1 | $ 404,000 | $ 404,000 | $ 75,000 |
| Gilpin, Colorado | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Grand, Colorado | 1 | $ 800,000 | $ 800,000 | $ 793,000 |
| Morgan, Colorado | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Teller, Colorado | 1 | $ 261,000 | $ 261,000 | $ 73,000 |
| Yuma, Colorado | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Cassia, Idaho | 1 | $ 114,000 | $ 114,000 | $ 49,000 |
| Elmore, Idaho | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Kootenai, Idaho | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Washington, Idaho | 1 | $ 168,000 | $ 168,000 | $ 105,000 |
| Lincoln, Nevada | 1 | $ 91,000 | $ 91,000 | $ 48,000 |
| Sherman, Oregon | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
| Haskell, Texas | 1 | $ 50,000 | $ 50,000 | $ 24,000 |
| Hunt, Texas | 1 | $ 43,000 | $ 43,000 | $ 42,000 |
| Lamar, Texas | 1 | $ 107,000 | $ 107,000 | $ 75,000 |
| Parker, Texas | 1 | $ 731,000 | $ 731,000 | $ 229,000 |
| Duchesne, Utah | 1 | $ 108,000 | $ 108,000 | $ 56,000 |
| Kane, Utah | 1 | $ 94,000 | $ 94,000 | $ 41,000 |
| Rich, Utah | 1 | $ 184,000 | $ 184,000 | $ 141,000 |
| Chelan, Washington | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Pacific, Washington | 1 | $ 55,000 | $ 55,000 | $ 128,000 |
| Lincoln, Wyoming | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Teton, Wyoming | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Washington Federal S&L in 2004
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 | 4,744 | $1,016,567,000 | $202,800 | $3,600,000 | $70,400 | $9,546,000 |
| Refinancing | 2,421 | $425,162,000 | $184,000 | $2,800,000 | $82,875 | $7,637,000 |
| Home Improvement | 540 | $115,659,000 | $273,875 | $900,000 | $87,625 | $598,000 |
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 | 6,395 | $1,267,176,000 | $196,100 | $2,328,000 | $90,100 | $9,546,000 |
| Not applicable | 415 | $109,798,000 | $257,250 | $3,600,000 | $1,125 | $203,000 |
| Asian | 276 | $62,918,000 | $252,555 | $995,000 | $61,222 | $1,368,000 |
| Hispanic | 276 | $42,429,000 | $168,777 | $638,000 | $62,666 | $345,000 |
| Not Provided | 157 | $40,605,000 | $237,714 | $1,585,000 | $80,000 | $691,000 |
| Black or African American | 99 | $20,726,000 | $248,666 | $695,000 | $106,333 | $420,000 |
| American Indian or Alaskan Native | 59 | $8,579,000 | $186,285 | $575,000 | $85,428 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 28 | $5,157,000 | $183,333 | $402,000 | $78,833 | $932,000 |
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) | 7,699 | $1,556,775,000 | $200,200 | $3,600,000 | $79,200 | $9,546,000 |
| VA-guaranteed (Veterans Administration) | 4 | $433,000 | $108,000 | $129,000 | $51,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 2 | $180,000 | $90,000 | $106,000 | $26,000 | $29,000 |
| 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 | 6,034 | $1,214,362,000 | $193,000 | $3,600,000 | $75,111 | $9,546,000 |
| Application Withdrawn By Applicant | 886 | $179,906,000 | $240,750 | $2,366,000 | $96,625 | $1,997,000 |
| Application Denied By Financial Institution | 388 | $79,244,000 | $194,625 | $1,500,000 | $65,500 | $932,000 |
| File Closed For Incompleteness | 199 | $38,322,000 | $173,571 | $850,000 | $58,285 | $360,000 |
| Application Approved But Not Accepted | 113 | $25,776,000 | $229,500 | $1,150,000 | $108,500 | $816,000 |
| Preapproval Approved but not Accepted | 47 | $11,317,000 | $240,000 | $525,000 | $59,000 | $303,000 |
| Preapproval Denied by Financial Institution | 38 | $8,461,000 | $222,000 | $995,000 | $93,000 | $283,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 141 | $31,404,000 | $227,285 | $675,000 | $56,571 | $312,000 |
| Credit History | 123 | $21,546,000 | $150,750 | $1,000,000 | $58,375 | $932,000 |
| Collateral | 80 | $18,053,000 | $206,125 | $1,500,000 | $70,375 | $541,000 |
| Other | 47 | $8,756,000 | $139,000 | $668,000 | $104,500 | $428,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $5,603,000 | $448,333 | $995,000 | $141,666 | $598,000 |
| Employment History | 12 | $1,520,000 | $108,800 | $256,000 | $25,400 | $56,000 |
| Credit Application Incomplete | 4 | $584,000 | $146,000 | $247,000 | $71,000 | $112,000 |
| Unverifiable Information | 2 | $239,000 | $119,000 | $188,000 | $55,000 | $94,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal S&L's 2004 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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