Washington Federal S&L Mortgage Lending & HMDA Data, 2007
In 2007, Washington Federal S&L of Seattle, WA reported 6,835 mortgage applications totaling $1.9 billion, up 22% from 2006. The average application was for $271,873, and applicants reported an average income of $140,373. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (977), Portland-Vancouver-Beaverton, OR-WA (559) and Phoenix-Mesa-Scottsdale, AZ (396) (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 | 6,835 |
| Total Mortgage Loan Application Amount | $1,858,253,000 |
| Average Mortgage Loan Application Amount | $271,873 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $140,373 |
| Highest Applicant Income | $6,228,000 |
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(HMDA) records Washington Federal S&L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 760 | $ 304,233,000 | $ 400,306 | $ 152,000 |
| Maricopa, Arizona | 348 | $ 83,138,000 | $ 238,902 | $ 95,000 |
| Salt Lake, Utah | 309 | $ 101,198,000 | $ 327,501 | $ 128,000 |
| Pierce, Washington | 283 | $ 83,325,000 | $ 294,434 | $ 148,000 |
| Pima, Arizona | 246 | $ 61,652,000 | $ 250,617 | $ 109,000 |
| Thurston, Washington | 230 | $ 58,853,000 | $ 255,882 | $ 100,000 |
| Snohomish, Washington | 217 | $ 75,696,000 | $ 348,829 | $ 117,000 |
| Marion, Oregon | 196 | $ 46,073,000 | $ 235,066 | $ 180,000 |
| Lane, Oregon | 168 | $ 44,274,000 | $ 263,535 | $ 80,000 |
| Skagit, Washington | 162 | $ 40,561,000 | $ 250,376 | $ 97,000 |
| Ada, Idaho | 152 | $ 36,010,000 | $ 236,907 | $ 232,000 |
| Deschutes, Oregon | 150 | $ 48,928,000 | $ 326,186 | $ 172,000 |
| Clark, Nevada | 144 | $ 40,365,000 | $ 280,312 | $ 113,000 |
| Multnomah, Oregon | 141 | $ 44,713,000 | $ 317,113 | $ 136,000 |
| Kitsap, Washington | 141 | $ 46,399,000 | $ 329,070 | $ 131,000 |
| Clark, Washington | 138 | $ 34,404,000 | $ 249,304 | $ 197,000 |
| Chaves, New Mexico | 120 | $ 8,252,000 | $ 68,766 | $ 57,000 |
| Dona Ana, New Mexico | 109 | $ 19,561,000 | $ 179,458 | $ 94,000 |
| Clallam, Washington | 109 | $ 28,510,000 | $ 261,559 | $ 102,000 |
| Canyon, Idaho | 105 | $ 21,483,000 | $ 204,600 | $ 167,000 |
| Washington, Oregon | 102 | $ 35,769,000 | $ 350,676 | $ 215,000 |
| Clackamas, Oregon | 101 | $ 39,818,000 | $ 394,237 | $ 240,000 |
| Linn, Oregon | 94 | $ 21,360,000 | $ 227,234 | $ 92,000 |
| Polk, Oregon | 92 | $ 21,228,000 | $ 230,739 | $ 227,000 |
| Whatcom, Washington | 90 | $ 26,024,000 | $ 289,155 | $ 77,000 |
| McKinley, New Mexico | 89 | $ 9,367,000 | $ 105,247 | $ 74,000 |
| Benton, Oregon | 82 | $ 25,554,000 | $ 311,634 | $ 108,000 |
| Bernalillo, New Mexico | 80 | $ 14,635,000 | $ 182,937 | $ 129,000 |
| Cache, Utah | 80 | $ 15,223,000 | $ 190,287 | $ 113,000 |
| Island, Washington | 80 | $ 21,720,000 | $ 271,500 | $ 96,000 |
| Jackson, Oregon | 79 | $ 22,436,000 | $ 284,000 | $ 119,000 |
| Lincoln, Oregon | 78 | $ 21,101,000 | $ 270,525 | $ 115,000 |
| Utah, Utah | 68 | $ 19,466,000 | $ 286,264 | $ 133,000 |
| Mohave, Arizona | 64 | $ 9,508,000 | $ 148,562 | $ 67,000 |
| San Juan, Washington | 64 | $ 23,410,000 | $ 365,781 | $ 130,000 |
| Yamhill, Oregon | 55 | $ 17,053,000 | $ 310,054 | $ 1,521,000 |
| Davis, Utah | 53 | $ 14,048,000 | $ 265,056 | $ 91,000 |
| Twin Falls, Idaho | 51 | $ 8,673,000 | $ 170,058 | $ 93,000 |
| Lewis, Washington | 51 | $ 10,954,000 | $ 214,784 | $ 78,000 |
| Pinal, Arizona | 48 | $ 8,257,000 | $ 172,020 | $ 61,000 |
| Klamath, Oregon | 48 | $ 8,448,000 | $ 176,000 | $ 75,000 |
| Weber, Utah | 45 | $ 13,256,000 | $ 294,577 | $ 90,000 |
| Box Elder, Utah | 40 | $ 8,348,000 | $ 208,700 | $ 72,000 |
| Bannock, Idaho | 39 | $ 6,287,000 | $ 161,205 | $ 70,000 |
| Carbon, Utah | 37 | $ 5,532,000 | $ 149,513 | $ 70,000 |
| Mason, Washington | 37 | $ 8,084,000 | $ 218,486 | $ 76,000 |
| Bingham, Idaho | 35 | $ 6,776,000 | $ 193,600 | $ 92,000 |
| Jerome, Idaho | 34 | $ 4,298,000 | $ 126,411 | $ 76,000 |
| Lincoln, New Mexico | 33 | $ 2,600,000 | $ 78,787 | $ 62,000 |
| Jefferson, Washington | 31 | $ 8,143,000 | $ 262,677 | $ 86,000 |
| Bonneville, Idaho | 29 | $ 5,785,000 | $ 199,482 | $ 88,000 |
| Madison, Idaho | 27 | $ 6,452,000 | $ 238,962 | $ 135,000 |
| Coos, Oregon | 27 | $ 4,796,000 | $ 177,629 | $ 92,000 |
| Douglas, Oregon | 26 | $ 5,700,000 | $ 219,230 | $ 203,000 |
| Valley, Idaho | 24 | $ 9,878,000 | $ 411,583 | $ 165,000 |
| Jefferson, Oregon | 20 | $ 4,637,000 | $ 231,850 | $ 71,000 |
| Summit, Utah | 20 | $ 7,232,000 | $ 361,600 | $ 236,000 |
| Otero, New Mexico | 19 | $ 2,385,000 | $ 125,526 | $ 72,000 |
| Collin, Texas | 19 | $ 5,260,000 | $ 276,842 | $ 196,000 |
| Dallas, Texas | 17 | $ 3,776,000 | $ 222,117 | $ 127,000 |
| Cowlitz, Washington | 17 | $ 3,752,000 | $ 220,705 | $ 100,000 |
| Fremont, Idaho | 16 | $ 3,591,000 | $ 224,437 | $ 111,000 |
| Sandoval, New Mexico | 16 | $ 5,640,000 | $ 352,500 | $ 118,000 |
| Columbia, Oregon | 16 | $ 5,359,000 | $ 334,937 | $ 489,000 |
| Crook, Oregon | 16 | $ 4,740,000 | $ 296,250 | $ 101,000 |
| Tillamook, Oregon | 16 | $ 4,877,000 | $ 304,812 | $ 118,000 |
| Wasco, Oregon | 16 | $ 2,474,000 | $ 154,625 | $ 202,000 |
| Yavapai, Arizona | 15 | $ 2,189,000 | $ 145,933 | $ 52,000 |
| Rich, Utah | 15 | $ 4,031,000 | $ 268,733 | $ 177,000 |
| Wasatch, Utah | 15 | $ 6,348,000 | $ 423,200 | $ 140,000 |
| Santa Cruz, Arizona | 14 | $ 3,750,000 | $ 267,857 | $ 179,000 |
| Jefferson, Idaho | 14 | $ 2,425,000 | $ 173,214 | $ 65,000 |
| Tooele, Utah | 14 | $ 3,158,000 | $ 225,571 | $ 85,000 |
| Klickitat, Washington | 14 | $ 2,390,000 | $ 170,714 | $ 236,000 |
| Eddy, New Mexico | 12 | $ 1,056,000 | $ 88,000 | $ 53,000 |
| San Juan, New Mexico | 12 | $ 2,196,000 | $ 183,000 | $ 120,000 |
| Hood River, Oregon | 12 | $ 2,592,000 | $ 216,000 | $ 53,000 |
| Denton, Texas | 12 | $ 4,339,000 | $ 361,583 | $ 182,000 |
| Navajo, Arizona | 11 | $ 2,000,000 | $ 181,818 | $ 92,000 |
| Gooding, Idaho | 11 | $ 1,349,000 | $ 122,636 | $ 75,000 |
| Cibola, New Mexico | 11 | $ 1,137,000 | $ 103,363 | $ 78,000 |
| Josephine, Oregon | 11 | $ 2,267,000 | $ 206,090 | $ 164,000 |
| El Paso, Texas | 11 | $ 1,487,000 | $ 135,181 | $ 675,000 |
| Boise, Idaho | 10 | $ 2,776,000 | $ 277,600 | $ 125,000 |
| Tarrant, Texas | 10 | $ 2,320,000 | $ 232,000 | $ 137,000 |
| Gem, Idaho | 9 | $ 2,081,000 | $ 231,222 | $ 73,000 |
| Santa Fe, New Mexico | 9 | $ 2,682,000 | $ 298,000 | $ 413,000 |
| Bear Lake, Idaho | 8 | $ 2,203,000 | $ 275,375 | $ 103,000 |
| Grays Harbor, Washington | 8 | $ 1,798,000 | $ 224,750 | $ 86,000 |
| Franklin, Idaho | 7 | $ 1,602,000 | $ 228,857 | $ 62,000 |
| Adams, Idaho | 6 | $ 1,465,000 | $ 244,166 | $ 199,000 |
| Morgan, Utah | 6 | $ 2,296,000 | $ 382,666 | $ 117,000 |
| Washington, Utah | 6 | $ 2,216,000 | $ 369,333 | $ 376,000 |
| Skamania, Washington | 6 | $ 1,631,000 | $ 271,833 | $ 64,000 |
| Teton, Idaho | 5 | $ 2,588,000 | $ 517,600 | $ 149,000 |
| Luna, New Mexico | 5 | $ 779,000 | $ 155,800 | $ 104,000 |
| Washington, Idaho | 4 | $ 494,000 | $ 123,500 | $ 97,000 |
| Curry, Oregon | 4 | $ 979,000 | $ 244,750 | $ 66,000 |
| Iron, Utah | 4 | $ 1,230,000 | $ 307,500 | $ 30,000 |
| Benton, Washington | 4 | $ 436,000 | $ 109,000 | $ 999,000 |
| Kittitas, Washington | 4 | $ 2,084,000 | $ 521,000 | $ 259,000 |
| Cochise, Arizona | 3 | $ 423,000 | $ 141,000 | $ 66,000 |
| Gila, Arizona | 3 | $ 480,000 | $ 160,000 | $ 67,000 |
| Payette, Idaho | 3 | $ 568,000 | $ 189,333 | $ 70,000 |
| Curry, New Mexico | 3 | $ 419,000 | $ 139,666 | $ 146,000 |
| Roosevelt, New Mexico | 3 | $ 353,000 | $ 117,666 | $ 188,000 |
| Valencia, New Mexico | 3 | $ 567,000 | $ 189,000 | $ 56,000 |
| Ellis, Texas | 3 | $ 457,000 | $ 152,333 | $ 61,000 |
| Coconino, Arizona | 2 | $ 322,000 | $ 161,000 | $ 56,000 |
| Blaine, Idaho | 2 | $ 872,000 | $ 436,000 | $ 132,000 |
| Power, Idaho | 2 | $ 290,000 | $ 145,000 | $ 52,000 |
| Nye, Nevada | 2 | $ 287,000 | $ 143,500 | $ 134,000 |
| Grant, New Mexico | 2 | $ 296,000 | $ 148,000 | $ 74,000 |
| Lea, New Mexico | 2 | $ 626,000 | $ 313,000 | $ 116,000 |
| Lubbock, Texas | 2 | $ 123,000 | $ 61,500 | $ 287,000 |
| Wise, Texas | 2 | $ 232,000 | $ 116,000 | $ 54,000 |
| Emery, Utah | 2 | $ 312,000 | $ 156,000 | $ 94,000 |
| Yuma, Arizona | 1 | $ 200,000 | $ 200,000 | $ 40,000 |
| La Plata, Colorado | 1 | $ 100,000 | $ 100,000 | $ 151,000 |
| Camas, Idaho | 1 | $ 106,000 | $ 106,000 | $ 82,000 |
| Cassia, Idaho | 1 | $ 344,000 | $ 344,000 | $ 89,000 |
| Custer, Idaho | 1 | $ 210,000 | $ 210,000 | $ 180,000 |
| Idaho, Idaho | 1 | $ 134,000 | $ 134,000 | $ 40,000 |
| Minidoka, Idaho | 1 | $ 130,000 | $ 130,000 | $ 57,000 |
| Owyhee, Idaho | 1 | $ 253,000 | $ 253,000 | $ 83,000 |
| Douglas, Nevada | 1 | $ 415,000 | $ 415,000 | $ 41,000 |
| Colfax, New Mexico | 1 | $ 172,000 | $ 172,000 | $ 39,000 |
| San Miguel, New Mexico | 1 | $ 999,000 | $ 999,000 | $ 274,000 |
| Socorro, New Mexico | 1 | $ 179,000 | $ 179,000 | $ 32,000 |
| Torrance, New Mexico | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Lake, Oregon | 1 | $ 232,000 | $ 232,000 | $ 71,000 |
| Umatilla, Oregon | 1 | $ 140,000 | $ 140,000 | $ 216,000 |
| Grayson, Texas | 1 | $ 62,000 | $ 62,000 | $ 50,000 |
| Harris, Texas | 1 | $ 60,000 | $ 60,000 | $ 131,000 |
| Henderson, Texas | 1 | $ 48,000 | $ 48,000 | $ 31,000 |
| Kaufman, Texas | 1 | $ 324,000 | $ 324,000 | $ 192,000 |
| Palo Pinto, Texas | 1 | $ 507,000 | $ 507,000 | $ 0 |
| Parker, Texas | 1 | $ 400,000 | $ 400,000 | $ 213,000 |
| Titus, Texas | 1 | $ 70,000 | $ 70,000 | $ 61,000 |
| Daggett, Utah | 1 | $ 38,000 | $ 38,000 | $ 250,000 |
| Juab, Utah | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Millard, Utah | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Sevier, Utah | 1 | $ 150,000 | $ 150,000 | $ 63,000 |
| Uintah, Utah | 1 | $ 139,000 | $ 139,000 | $ 216,000 |
| Pacific, Washington | 1 | $ 116,000 | $ 116,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Washington Federal S&L in 2007
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 | 3,688 | $1,101,940,000 | $298,000 | $3,440,000 | $116,000 | $4,810,000 |
| Refinancing | 2,783 | $677,464,000 | $243,000 | $2,925,000 | $179,000 | $6,228,000 |
| Home Improvement | 364 | $78,849,000 | $216,000 | $3,500,000 | $92,000 | $1,764,000 |
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 | 5,360 | $1,474,442,000 | $275,000 | $3,500,000 | $160,000 | $6,228,000 |
| Not applicable | 570 | $164,616,000 | $288,000 | $2,925,000 | $0 | $0 |
| Hispanic | 430 | $77,987,000 | $181,000 | $1,200,000 | $91,000 | $5,828,000 |
| Asian | 251 | $73,761,000 | $293,000 | $1,200,000 | $151,000 | $3,142,000 |
| Not Provided | 90 | $33,413,000 | $371,000 | $1,500,000 | $187,000 | $1,335,000 |
| Black or African American | 81 | $22,237,000 | $274,000 | $1,218,000 | $95,000 | $552,000 |
| American Indian or Alaskan Native | 38 | $7,854,000 | $206,000 | $700,000 | $77,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $3,943,000 | $262,000 | $562,000 | $67,000 | $139,000 |
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) | 6,818 | $1,855,895,000 | $272,000 | $3,500,000 | $141,000 | $6,228,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,279,000 | $142,000 | $301,000 | $43,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,079,000 | $134,000 | $195,000 | $47,000 | $74,000 |
| 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 | 4,693 | $1,230,580,000 | $262,000 | $2,925,000 | $140,000 | $4,810,000 |
| Application Denied By Financial Institution | 917 | $266,641,000 | $290,000 | $3,500,000 | $158,000 | $3,983,000 |
| Application Withdrawn By Applicant | 591 | $164,821,000 | $278,000 | $1,788,000 | $152,000 | $6,228,000 |
| File Closed For Incompleteness | 253 | $71,695,000 | $283,000 | $1,120,000 | $95,000 | $1,134,000 |
| Application Approved But Not Accepted | 138 | $41,885,000 | $303,000 | $2,150,000 | $131,000 | $1,127,000 |
| Preapproval Approved but not Accepted | 129 | $46,539,000 | $360,000 | $1,615,000 | $133,000 | $2,113,000 |
| Preapproval Denied by Financial Institution | 114 | $36,092,000 | $316,000 | $1,173,000 | $95,000 | $475,000 |
| 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 | 345 | $115,001,000 | $333,000 | $1,578,000 | $108,000 | $3,983,000 |
| Credit History | 258 | $50,273,000 | $194,000 | $1,170,000 | $94,000 | $1,234,000 |
| Other | 200 | $72,083,000 | $360,000 | $3,500,000 | $237,000 | $1,946,000 |
| Collateral | 156 | $41,861,000 | $268,000 | $2,000,000 | $243,000 | $1,849,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $11,399,000 | $393,000 | $1,388,000 | $183,000 | $1,020,000 |
| Unverifiable Information | 18 | $6,235,000 | $346,000 | $1,000,000 | $110,000 | $360,000 |
| Employment History | 15 | $4,197,000 | $279,000 | $508,000 | $63,000 | $132,000 |
| Credit Application Incomplete | 8 | $1,488,000 | $186,000 | $316,000 | $83,000 | $152,000 |
| Mortgage Insurance Denied | 2 | $196,000 | $98,000 | $134,000 | $94,000 | $139,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal S&L's 2007 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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