Washington Federal S&L Mortgage Lending & HMDA Data, 2006
In 2006, Washington Federal S&L of Seattle, WA reported 5,610 mortgage applications totaling $1.5 billion, down 24% from 2005. The average application was for $269,390, and applicants reported an average income of $117,379. 75% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (834), Phoenix-Mesa-Scottsdale, AZ (371) and Portland-Vancouver-Beaverton, OR-WA (363) (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 | 5,610 |
| Total Mortgage Loan Application Amount | $1,511,278,000 |
| Average Mortgage Loan Application Amount | $269,390 |
| Highest Mortgage Loan Application Amount | $3,850,000 |
| Average Applicant Income | $117,379 |
| Highest Applicant Income | $6,293,000 |
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(HMDA) records Washington Federal S&L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 643 | $ 248,068,000 | $ 385,797 | $ 115,000 |
| Maricopa, Arizona | 344 | $ 80,138,000 | $ 232,959 | $ 70,000 |
| Salt Lake, Utah | 296 | $ 78,105,000 | $ 263,868 | $ 111,000 |
| Pierce, Washington | 232 | $ 68,448,000 | $ 295,034 | $ 111,000 |
| Pima, Arizona | 195 | $ 56,041,000 | $ 287,389 | $ 94,000 |
| Ada, Idaho | 192 | $ 45,225,000 | $ 235,546 | $ 92,000 |
| Snohomish, Washington | 191 | $ 60,697,000 | $ 317,785 | $ 102,000 |
| Skagit, Washington | 166 | $ 38,190,000 | $ 230,060 | $ 93,000 |
| Kitsap, Washington | 149 | $ 47,683,000 | $ 320,020 | $ 105,000 |
| Lane, Oregon | 148 | $ 38,849,000 | $ 262,493 | $ 82,000 |
| Marion, Oregon | 141 | $ 36,911,000 | $ 261,780 | $ 80,000 |
| Thurston, Washington | 132 | $ 33,022,000 | $ 250,166 | $ 124,000 |
| Multnomah, Oregon | 120 | $ 51,077,000 | $ 425,641 | $ 123,000 |
| Clark, Nevada | 115 | $ 30,913,000 | $ 268,808 | $ 101,000 |
| Canyon, Idaho | 114 | $ 22,764,000 | $ 199,684 | $ 92,000 |
| Twin Falls, Idaho | 106 | $ 15,591,000 | $ 147,084 | $ 90,000 |
| Polk, Oregon | 104 | $ 23,170,000 | $ 222,788 | $ 691,000 |
| Deschutes, Oregon | 95 | $ 31,284,000 | $ 329,305 | $ 115,000 |
| Island, Washington | 90 | $ 25,882,000 | $ 287,577 | $ 97,000 |
| Dallas, Texas | 87 | $ 12,366,000 | $ 142,137 | $ 140,000 |
| Benton, Oregon | 84 | $ 26,256,000 | $ 312,571 | $ 176,000 |
| Clallam, Washington | 83 | $ 19,275,000 | $ 232,228 | $ 75,000 |
| Clark, Washington | 82 | $ 21,452,000 | $ 261,609 | $ 94,000 |
| Linn, Oregon | 81 | $ 16,184,000 | $ 199,802 | $ 100,000 |
| Cache, Utah | 77 | $ 16,276,000 | $ 211,376 | $ 73,000 |
| Whatcom, Washington | 73 | $ 17,886,000 | $ 245,013 | $ 89,000 |
| Washington, Oregon | 69 | $ 24,926,000 | $ 361,246 | $ 68,000 |
| Lincoln, Oregon | 67 | $ 14,770,000 | $ 220,447 | $ 78,000 |
| San Juan, Washington | 67 | $ 25,227,000 | $ 376,522 | $ 154,000 |
| Davis, Utah | 58 | $ 14,873,000 | $ 256,431 | $ 91,000 |
| Clackamas, Oregon | 57 | $ 23,887,000 | $ 419,070 | $ 315,000 |
| Mohave, Arizona | 56 | $ 7,935,000 | $ 141,696 | $ 80,000 |
| Klamath, Oregon | 55 | $ 7,702,000 | $ 140,036 | $ 43,000 |
| Utah, Utah | 48 | $ 12,158,000 | $ 253,291 | $ 73,000 |
| Bingham, Idaho | 46 | $ 7,430,000 | $ 161,521 | $ 79,000 |
| Weber, Utah | 44 | $ 9,360,000 | $ 212,727 | $ 107,000 |
| Jackson, Oregon | 43 | $ 11,819,000 | $ 274,860 | $ 155,000 |
| Mason, Washington | 41 | $ 9,182,000 | $ 223,951 | $ 82,000 |
| Lewis, Washington | 39 | $ 7,401,000 | $ 189,769 | $ 73,000 |
| Tarrant, Texas | 38 | $ 6,048,000 | $ 159,157 | $ 127,000 |
| Bonneville, Idaho | 37 | $ 7,484,000 | $ 202,270 | $ 88,000 |
| Carbon, Utah | 34 | $ 5,575,000 | $ 163,970 | $ 75,000 |
| Jerome, Idaho | 33 | $ 5,211,000 | $ 157,909 | $ 79,000 |
| Bannock, Idaho | 32 | $ 4,657,000 | $ 145,531 | $ 76,000 |
| Collin, Texas | 29 | $ 5,734,000 | $ 197,724 | $ 117,000 |
| Jefferson, Washington | 29 | $ 8,663,000 | $ 298,724 | $ 82,000 |
| Pinal, Arizona | 27 | $ 4,409,000 | $ 163,296 | $ 65,000 |
| Box Elder, Utah | 27 | $ 4,436,000 | $ 164,296 | $ 54,000 |
| Madison, Idaho | 25 | $ 4,757,000 | $ 190,280 | $ 105,000 |
| Valley, Idaho | 25 | $ 6,178,000 | $ 247,120 | $ 138,000 |
| Summit, Utah | 20 | $ 9,605,000 | $ 480,250 | $ 213,000 |
| Boise, Idaho | 18 | $ 4,623,000 | $ 256,833 | $ 93,000 |
| Douglas, Oregon | 18 | $ 3,890,000 | $ 216,111 | $ 148,000 |
| Denton, Texas | 18 | $ 4,278,000 | $ 237,666 | $ 100,000 |
| Yavapai, Arizona | 17 | $ 7,098,000 | $ 417,529 | $ 69,000 |
| Jefferson, Idaho | 17 | $ 3,240,000 | $ 190,588 | $ 92,000 |
| Coos, Oregon | 17 | $ 3,200,000 | $ 188,235 | $ 73,000 |
| Yamhill, Oregon | 17 | $ 4,200,000 | $ 247,058 | $ 1,680,000 |
| Gooding, Idaho | 15 | $ 1,935,000 | $ 129,000 | $ 66,000 |
| Nye, Nevada | 15 | $ 2,704,000 | $ 180,266 | $ 75,000 |
| Fremont, Idaho | 14 | $ 3,681,000 | $ 262,928 | $ 132,000 |
| Columbia, Oregon | 14 | $ 4,086,000 | $ 291,857 | $ 94,000 |
| Wasco, Oregon | 14 | $ 2,479,000 | $ 177,071 | $ 75,000 |
| Crook, Oregon | 13 | $ 2,450,000 | $ 188,461 | $ 61,000 |
| Hunt, Texas | 13 | $ 882,000 | $ 67,846 | $ 114,000 |
| Wasatch, Utah | 13 | $ 4,136,000 | $ 318,153 | $ 129,000 |
| Washington, Utah | 11 | $ 2,662,000 | $ 242,000 | $ 111,000 |
| Santa Cruz, Arizona | 9 | $ 1,424,000 | $ 158,222 | $ 85,000 |
| Tillamook, Oregon | 9 | $ 2,375,000 | $ 263,888 | $ 131,000 |
| Cowlitz, Washington | 9 | $ 2,055,000 | $ 228,333 | $ 59,000 |
| Klickitat, Washington | 9 | $ 1,530,000 | $ 170,000 | $ 49,000 |
| Rich, Utah | 8 | $ 2,103,000 | $ 262,875 | $ 147,000 |
| Grays Harbor, Washington | 7 | $ 1,234,000 | $ 176,285 | $ 73,000 |
| Owyhee, Idaho | 6 | $ 1,491,000 | $ 248,500 | $ 95,000 |
| Grayson, Texas | 6 | $ 1,172,000 | $ 195,333 | $ 104,000 |
| Navajo, Arizona | 5 | $ 597,000 | $ 119,400 | $ 60,000 |
| Adams, Idaho | 5 | $ 1,316,000 | $ 263,200 | $ 141,000 |
| Bear Lake, Idaho | 5 | $ 1,093,000 | $ 218,600 | $ 123,000 |
| Franklin, Idaho | 5 | $ 952,000 | $ 190,400 | $ 54,000 |
| Payette, Idaho | 5 | $ 1,052,000 | $ 210,400 | $ 178,000 |
| Hood River, Oregon | 5 | $ 1,151,000 | $ 230,200 | $ 184,000 |
| Tooele, Utah | 5 | $ 949,000 | $ 189,800 | $ 62,000 |
| Jefferson, Colorado | 4 | $ 1,587,000 | $ 396,750 | $ 0 |
| Caribou, Idaho | 4 | $ 595,000 | $ 148,750 | $ 54,000 |
| Gem, Idaho | 4 | $ 554,000 | $ 138,500 | $ 70,000 |
| Lincoln, Idaho | 4 | $ 338,000 | $ 84,500 | $ 95,000 |
| Jefferson, Oregon | 4 | $ 3,125,000 | $ 781,250 | $ 41,000 |
| Josephine, Oregon | 4 | $ 852,000 | $ 213,000 | $ 64,000 |
| Kittitas, Washington | 4 | $ 1,485,000 | $ 371,250 | $ 153,000 |
| Skamania, Washington | 4 | $ 1,176,000 | $ 294,000 | $ 72,000 |
| Coconino, Arizona | 3 | $ 973,000 | $ 324,333 | $ 117,000 |
| Gila, Arizona | 3 | $ 1,014,000 | $ 338,000 | $ 122,000 |
| Blaine, Idaho | 3 | $ 1,714,000 | $ 571,333 | $ 289,000 |
| Elmore, Idaho | 3 | $ 576,000 | $ 192,000 | $ 29,000 |
| Power, Idaho | 3 | $ 451,000 | $ 150,333 | $ 59,000 |
| Clatsop, Oregon | 3 | $ 1,083,000 | $ 361,000 | $ 68,000 |
| Ellis, Texas | 3 | $ 1,040,000 | $ 346,666 | $ 174,000 |
| Morgan, Utah | 3 | $ 905,000 | $ 301,666 | $ 71,000 |
| Douglas, Colorado | 2 | $ 529,000 | $ 264,500 | $ 70,000 |
| Minidoka, Idaho | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Teton, Idaho | 2 | $ 955,000 | $ 477,500 | $ 216,000 |
| Washoe, Nevada | 2 | $ 1,280,000 | $ 640,000 | $ 0 |
| Kaufman, Texas | 2 | $ 189,000 | $ 94,500 | $ 98,000 |
| Rockwall, Texas | 2 | $ 529,000 | $ 264,500 | $ 105,000 |
| Emery, Utah | 2 | $ 416,000 | $ 208,000 | $ 102,000 |
| Sevier, Utah | 2 | $ 245,000 | $ 122,500 | $ 57,000 |
| Denver, Colorado | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Camas, Idaho | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Idaho, Idaho | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Washington, Idaho | 1 | $ 53,000 | $ 53,000 | $ 55,000 |
| Lake, Oregon | 1 | $ 92,000 | $ 92,000 | $ 31,000 |
| Sherman, Oregon | 1 | $ 154,000 | $ 154,000 | $ 107,000 |
| Cooke, Texas | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Duchesne, Utah | 1 | $ 420,000 | $ 420,000 | $ 212,000 |
| Sanpete, Utah | 1 | $ 117,000 | $ 117,000 | $ 34,000 |
| Uintah, Utah | 1 | $ 168,000 | $ 168,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Washington Federal S&L in 2006
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 | 3,461 | $1,001,515,000 | $289,000 | $3,850,000 | $100,000 | $2,105,000 |
| Refinancing | 1,655 | $382,042,000 | $230,000 | $3,420,000 | $161,000 | $6,293,000 |
| Home Improvement | 494 | $127,721,000 | $258,000 | $1,105,000 | $93,000 | $822,000 |
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 | 4,548 | $1,197,686,000 | $263,000 | $2,328,000 | $128,000 | $4,216,000 |
| Not applicable | 430 | $148,056,000 | $344,000 | $3,850,000 | $0 | $0 |
| Asian | 209 | $56,965,000 | $272,000 | $800,000 | $112,000 | $933,000 |
| Hispanic | 183 | $42,363,000 | $231,000 | $988,000 | $72,000 | $409,000 |
| Not Provided | 108 | $31,595,000 | $292,000 | $1,800,000 | $228,000 | $6,293,000 |
| Black or African American | 77 | $20,956,000 | $272,000 | $2,008,000 | $106,000 | $679,000 |
| American Indian or Alaskan Native | 33 | $8,890,000 | $269,000 | $674,000 | $93,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $4,767,000 | $216,000 | $675,000 | $123,000 | $636,000 |
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) | 5,607 | $1,510,901,000 | $269,000 | $3,850,000 | $117,000 | $6,293,000 |
| VA-guaranteed (Veterans Administration) | 3 | $377,000 | $125,000 | $176,000 | $45,000 | $67,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,196 | $1,105,242,000 | $263,000 | $3,850,000 | $118,000 | $4,216,000 |
| Application Withdrawn By Applicant | 583 | $158,915,000 | $272,000 | $2,008,000 | $105,000 | $1,159,000 |
| Application Denied By Financial Institution | 348 | $105,596,000 | $303,000 | $3,420,000 | $160,000 | $6,293,000 |
| File Closed For Incompleteness | 187 | $43,123,000 | $230,000 | $900,000 | $91,000 | $636,000 |
| Preapproval Approved but not Accepted | 147 | $53,787,000 | $365,000 | $2,065,000 | $112,000 | $819,000 |
| Preapproval Denied by Financial Institution | 84 | $25,377,000 | $302,000 | $1,000,000 | $87,000 | $450,000 |
| Application Approved But Not Accepted | 65 | $19,238,000 | $295,000 | $900,000 | $122,000 | $824,000 |
| 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 | 159 | $51,192,000 | $321,000 | $1,106,000 | $75,000 | $425,000 |
| Collateral | 90 | $25,740,000 | $286,000 | $1,400,000 | $131,000 | $1,645,000 |
| Credit History | 88 | $22,339,000 | $253,000 | $1,700,000 | $93,000 | $784,000 |
| Other | 72 | $22,961,000 | $318,000 | $3,420,000 | $282,000 | $6,293,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $5,154,000 | $515,000 | $1,200,000 | $101,000 | $200,000 |
| Unverifiable Information | 8 | $2,073,000 | $259,000 | $780,000 | $1,170,000 | $2,280,000 |
| Employment History | 5 | $1,514,000 | $302,000 | $594,000 | $89,000 | $176,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $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 2006 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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