Washington Federal S&L Mortgage Lending & HMDA Data, 2005
In 2005, Washington Federal S&L of Seattle, WA reported 7,350 mortgage applications totaling $1.7 billion, down 5% from 2004. The average application was for $235,137, and applicants reported an average income of $74,920. 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 (658) and Boise City-Nampa, ID (494) (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 | 7,350 |
| Total Mortgage Loan Application Amount | $1,728,262,000 |
| Average Mortgage Loan Application Amount | $235,137 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $74,920 |
| Highest Applicant Income | $3,565,000 |
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(HMDA) records Washington Federal S&L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 787 | $ 257,585,000 | $ 327,299 | $ 84,000 |
| Maricopa, Arizona | 602 | $ 144,027,000 | $ 239,247 | $ 73,000 |
| Salt Lake, Utah | 375 | $ 85,235,000 | $ 227,293 | $ 85,000 |
| Pierce, Washington | 364 | $ 91,070,000 | $ 250,192 | $ 83,000 |
| Ada, Idaho | 297 | $ 63,897,000 | $ 215,141 | $ 88,000 |
| Pima, Arizona | 295 | $ 62,648,000 | $ 212,366 | $ 69,000 |
| Lane, Oregon | 272 | $ 60,302,000 | $ 221,698 | $ 64,000 |
| Snohomish, Washington | 246 | $ 63,979,000 | $ 260,077 | $ 67,000 |
| Marion, Oregon | 245 | $ 47,522,000 | $ 193,967 | $ 59,000 |
| Kitsap, Washington | 200 | $ 51,987,000 | $ 259,935 | $ 70,000 |
| Skagit, Washington | 196 | $ 41,204,000 | $ 210,224 | $ 51,000 |
| Canyon, Idaho | 169 | $ 26,775,000 | $ 158,431 | $ 80,000 |
| Multnomah, Oregon | 154 | $ 62,226,000 | $ 404,064 | $ 86,000 |
| Clark, Nevada | 146 | $ 29,237,000 | $ 200,253 | $ 62,000 |
| Deschutes, Oregon | 146 | $ 37,994,000 | $ 260,232 | $ 86,000 |
| Thurston, Washington | 144 | $ 31,423,000 | $ 218,215 | $ 91,000 |
| Island, Washington | 125 | $ 31,256,000 | $ 250,048 | $ 94,000 |
| Clallam, Washington | 121 | $ 23,628,000 | $ 195,272 | $ 51,000 |
| Polk, Oregon | 110 | $ 21,285,000 | $ 193,500 | $ 58,000 |
| Lincoln, Oregon | 108 | $ 20,856,000 | $ 193,111 | $ 52,000 |
| Washington, Oregon | 107 | $ 30,069,000 | $ 281,018 | $ 114,000 |
| Whatcom, Washington | 101 | $ 22,488,000 | $ 222,653 | $ 63,000 |
| Clackamas, Oregon | 95 | $ 28,493,000 | $ 299,926 | $ 85,000 |
| Cache, Utah | 90 | $ 15,950,000 | $ 177,222 | $ 50,000 |
| Benton, Oregon | 89 | $ 23,103,000 | $ 259,584 | $ 58,000 |
| Twin Falls, Idaho | 87 | $ 11,883,000 | $ 136,586 | $ 45,000 |
| Linn, Oregon | 87 | $ 17,076,000 | $ 196,275 | $ 47,000 |
| Davis, Utah | 87 | $ 18,567,000 | $ 213,413 | $ 128,000 |
| San Juan, Washington | 80 | $ 22,541,000 | $ 281,762 | $ 70,000 |
| Clark, Washington | 68 | $ 21,068,000 | $ 309,823 | $ 81,000 |
| Valley, Idaho | 65 | $ 17,526,000 | $ 269,630 | $ 142,000 |
| Pinal, Arizona | 56 | $ 9,612,000 | $ 171,642 | $ 51,000 |
| Weber, Utah | 56 | $ 13,588,000 | $ 242,642 | $ 59,000 |
| Bonneville, Idaho | 55 | $ 8,544,000 | $ 155,345 | $ 65,000 |
| Dallas, Texas | 53 | $ 7,179,000 | $ 135,452 | $ 107,000 |
| Utah, Utah | 52 | $ 10,946,000 | $ 210,500 | $ 73,000 |
| Bingham, Idaho | 50 | $ 8,541,000 | $ 170,820 | $ 56,000 |
| Nye, Nevada | 45 | $ 6,981,000 | $ 155,133 | $ 65,000 |
| Carbon, Utah | 40 | $ 5,361,000 | $ 134,025 | $ 42,000 |
| Bannock, Idaho | 39 | $ 4,763,000 | $ 122,128 | $ 51,000 |
| Jerome, Idaho | 38 | $ 4,177,000 | $ 109,921 | $ 47,000 |
| Mason, Washington | 37 | $ 8,033,000 | $ 217,108 | $ 85,000 |
| Jefferson, Washington | 35 | $ 7,416,000 | $ 211,885 | $ 52,000 |
| Madison, Idaho | 34 | $ 5,943,000 | $ 174,794 | $ 70,000 |
| Collin, Texas | 32 | $ 7,171,000 | $ 224,093 | $ 140,000 |
| Lewis, Washington | 30 | $ 5,424,000 | $ 180,800 | $ 56,000 |
| Jackson, Oregon | 29 | $ 6,684,000 | $ 230,482 | $ 72,000 |
| Tarrant, Texas | 29 | $ 3,695,000 | $ 127,413 | $ 65,000 |
| Jefferson, Idaho | 27 | $ 4,216,000 | $ 156,148 | $ 126,000 |
| Box Elder, Utah | 26 | $ 4,363,000 | $ 167,807 | $ 33,000 |
| Denton, Texas | 25 | $ 8,139,000 | $ 325,560 | $ 79,000 |
| Fremont, Idaho | 24 | $ 4,250,000 | $ 177,083 | $ 67,000 |
| Yamhill, Oregon | 24 | $ 8,740,000 | $ 364,166 | $ 65,000 |
| Klamath, Oregon | 22 | $ 3,487,000 | $ 158,500 | $ 53,000 |
| Payette, Idaho | 19 | $ 2,551,000 | $ 134,263 | $ 141,000 |
| Washington, Utah | 19 | $ 3,729,000 | $ 196,263 | $ 112,000 |
| Yavapai, Arizona | 18 | $ 3,954,000 | $ 219,666 | $ 45,000 |
| Douglas, Oregon | 18 | $ 2,583,000 | $ 143,500 | $ 32,000 |
| Wasco, Oregon | 18 | $ 2,108,000 | $ 117,111 | $ 45,000 |
| Santa Cruz, Arizona | 16 | $ 2,338,000 | $ 146,125 | $ 60,000 |
| Hood River, Oregon | 16 | $ 3,004,000 | $ 187,750 | $ 46,000 |
| Klickitat, Washington | 16 | $ 2,097,000 | $ 131,062 | $ 48,000 |
| Josephine, Oregon | 15 | $ 3,404,000 | $ 226,933 | $ 140,000 |
| Tooele, Utah | 15 | $ 2,151,000 | $ 143,400 | $ 52,000 |
| Boise, Idaho | 14 | $ 2,699,000 | $ 192,785 | $ 119,000 |
| Crook, Oregon | 14 | $ 2,998,000 | $ 214,142 | $ 61,000 |
| Tillamook, Oregon | 14 | $ 4,970,000 | $ 355,000 | $ 246,000 |
| Summit, Utah | 14 | $ 5,393,000 | $ 385,214 | $ 149,000 |
| Gooding, Idaho | 13 | $ 1,538,000 | $ 118,307 | $ 75,000 |
| Columbia, Oregon | 12 | $ 2,507,000 | $ 208,916 | $ 72,000 |
| Coos, Oregon | 12 | $ 2,133,000 | $ 177,750 | $ 70,000 |
| Jefferson, Oregon | 12 | $ 2,058,000 | $ 171,500 | $ 80,000 |
| Cowlitz, Washington | 11 | $ 3,273,000 | $ 297,545 | $ 60,000 |
| Palo Pinto, Texas | 9 | $ 465,000 | $ 51,666 | $ 108,000 |
| Iron, Utah | 9 | $ 1,601,000 | $ 177,888 | $ 36,000 |
| Adams, Idaho | 8 | $ 1,902,000 | $ 237,750 | $ 114,000 |
| Gem, Idaho | 8 | $ 1,292,000 | $ 161,500 | $ 73,000 |
| Kaufman, Texas | 8 | $ 594,000 | $ 74,250 | $ 111,000 |
| Rich, Utah | 8 | $ 1,671,000 | $ 208,875 | $ 195,000 |
| Franklin, Idaho | 6 | $ 994,000 | $ 165,666 | $ 60,000 |
| Owyhee, Idaho | 6 | $ 1,177,000 | $ 196,166 | $ 58,000 |
| Ellis, Texas | 6 | $ 849,000 | $ 141,500 | $ 44,000 |
| Morgan, Utah | 6 | $ 2,236,000 | $ 372,666 | $ 149,000 |
| Boulder, Colorado | 5 | $ 725,000 | $ 145,000 | $ 69,000 |
| Jefferson, Colorado | 5 | $ 2,670,000 | $ 534,000 | $ 0 |
| Bear Lake, Idaho | 5 | $ 1,137,000 | $ 227,400 | $ 111,000 |
| Wasatch, Utah | 5 | $ 1,715,000 | $ 343,000 | $ 80,000 |
| Kittitas, Washington | 5 | $ 1,414,000 | $ 282,800 | $ 153,000 |
| Skamania, Washington | 5 | $ 941,000 | $ 188,200 | $ 80,000 |
| Grays Harbor, Washington | 4 | $ 671,000 | $ 167,750 | $ 109,000 |
| Navajo, Arizona | 3 | $ 441,000 | $ 147,000 | $ 82,000 |
| Caribou, Idaho | 3 | $ 443,000 | $ 147,666 | $ 47,000 |
| Clatsop, Oregon | 3 | $ 703,000 | $ 234,333 | $ 17,000 |
| Emery, Utah | 3 | $ 373,000 | $ 124,333 | $ 63,000 |
| Coconino, Arizona | 2 | $ 395,000 | $ 197,500 | $ 62,000 |
| Arapahoe, Colorado | 2 | $ 291,000 | $ 145,500 | $ 0 |
| Cassia, Idaho | 2 | $ 77,000 | $ 38,500 | $ 76,000 |
| Teton, Idaho | 2 | $ 653,000 | $ 326,500 | $ 72,000 |
| Washoe, Nevada | 2 | $ 1,100,000 | $ 550,000 | $ 0 |
| Mohave, Arizona | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Denver, Colorado | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Blaine, Idaho | 1 | $ 191,000 | $ 191,000 | $ 43,000 |
| Elmore, Idaho | 1 | $ 60,000 | $ 60,000 | $ 61,000 |
| Idaho, Idaho | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Lincoln, Idaho | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Oneida, Idaho | 1 | $ 104,000 | $ 104,000 | $ 89,000 |
| Lake, Oregon | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Umatilla, Oregon | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Cooke, Texas | 1 | $ 250,000 | $ 250,000 | $ 60,000 |
| Johnson, Texas | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Montgomery, Texas | 1 | $ 674,000 | $ 674,000 | $ 171,000 |
| Navarro, Texas | 1 | $ 575,000 | $ 575,000 | $ 185,000 |
| Rockwall, Texas | 1 | $ 157,000 | $ 157,000 | $ 74,000 |
| Juab, Utah | 1 | $ 270,000 | $ 270,000 | $ 94,000 |
| Benton, Washington | 1 | $ 1,910,000 | $ 1,910,000 | $ 0 |
| Chelan, Washington | 1 | $ 199,000 | $ 199,000 | $ 151,000 |
| Pacific, Washington | 1 | $ 172,000 | $ 172,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for Washington Federal S&L in 2005
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 | 4,724 | $1,178,733,000 | $229,750 | $5,500,000 | $69,250 | $1,193,000 |
| Refinancing | 2,108 | $430,358,000 | $240,625 | $2,760,000 | $65,750 | $3,565,000 |
| Home Improvement | 518 | $119,171,000 | $227,000 | $1,700,000 | $78,142 | $937,000 |
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 | 5,973 | $1,364,306,000 | $220,125 | $2,730,000 | $77,250 | $3,565,000 |
| Not applicable | 511 | $164,141,000 | $315,625 | $5,500,000 | $0 | $0 |
| Asian | 326 | $86,365,000 | $271,142 | $2,500,000 | $114,428 | $762,000 |
| Hispanic | 248 | $50,017,000 | $202,857 | $840,000 | $62,428 | $494,000 |
| Black or African American | 137 | $25,450,000 | $197,000 | $575,000 | $85,500 | $282,000 |
| Not Provided | 106 | $26,809,000 | $213,000 | $1,000,000 | $90,857 | $426,000 |
| American Indian or Alaskan Native | 27 | $5,861,000 | $182,000 | $390,000 | $82,833 | $309,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $5,313,000 | $197,600 | $675,000 | $65,000 | $197,000 |
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) | 7,339 | $1,726,753,000 | $224,875 | $5,500,000 | $68,000 | $3,565,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,402,000 | $140,000 | $208,000 | $54,000 | $112,000 |
| FHA-insured (Federal Housing Administration) | 1 | $107,000 | $107,000 | $107,000 | $32,000 | $32,000 |
| 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 | 5,718 | $1,333,945,000 | $226,250 | $5,500,000 | $63,375 | $3,565,000 |
| Application Withdrawn By Applicant | 794 | $194,425,000 | $217,500 | $1,700,000 | $70,000 | $960,000 |
| Application Denied By Financial Institution | 347 | $80,652,000 | $206,500 | $1,220,000 | $66,250 | $718,000 |
| File Closed For Incompleteness | 200 | $45,328,000 | $205,000 | $1,500,000 | $79,000 | $561,000 |
| Preapproval Approved but not Accepted | 139 | $36,150,000 | $217,000 | $1,384,000 | $85,833 | $690,000 |
| Application Approved But Not Accepted | 80 | $21,739,000 | $261,000 | $1,199,000 | $133,285 | $432,000 |
| Preapproval Denied by Financial Institution | 72 | $16,023,000 | $205,800 | $707,000 | $73,200 | $436,000 |
| 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 | 147 | $38,555,000 | $248,833 | $1,200,000 | $62,500 | $525,000 |
| Credit History | 115 | $22,079,000 | $186,142 | $1,000,000 | $58,857 | $288,000 |
| Collateral | 76 | $17,510,000 | $189,750 | $992,000 | $90,250 | $436,000 |
| Other | 50 | $11,439,000 | $176,600 | $1,220,000 | $60,000 | $384,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,040,000 | $300,666 | $525,000 | $150,333 | $718,000 |
| Unverifiable Information | 6 | $1,383,000 | $205,500 | $625,000 | $93,500 | $168,000 |
| Employment History | 6 | $1,314,000 | $219,000 | $386,000 | $50,333 | $81,000 |
| Credit Application Incomplete | 1 | $355,000 | $355,000 | $355,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal S&L's 2005 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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