Washington Federal S&L Mortgage Lending & HMDA Data, 2009
In 2009, Washington Federal S&L of Seattle, WA reported 7,384 mortgage applications totaling $2.5 billion, down 4% from 2008. The average application was for $342,415, and applicants reported an average income of $141,746. 47% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,373), Portland-Vancouver-Beaverton, OR-WA (657) and Phoenix-Mesa-Scottsdale, AZ (532) (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 | 7,384 |
| Total Mortgage Loan Application Amount | $2,528,398,000 |
| Average Mortgage Loan Application Amount | $342,415 |
| Highest Mortgage Loan Application Amount | $4,050,000 |
| Average Applicant Income | $141,746 |
| Highest Applicant Income | $6,357,000 |
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(HMDA) records Washington Federal S&L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,100 | $ 498,742,000 | $ 453,401 | $ 151,000 |
| Maricopa, Arizona | 479 | $ 125,080,000 | $ 261,127 | $ 178,000 |
| Salt Lake, Utah | 310 | $ 107,423,000 | $ 346,525 | $ 115,000 |
| Pierce, Washington | 274 | $ 98,520,000 | $ 359,562 | $ 178,000 |
| Snohomish, Washington | 273 | $ 92,189,000 | $ 337,688 | $ 113,000 |
| Pima, Arizona | 247 | $ 84,138,000 | $ 340,639 | $ 136,000 |
| Multnomah, Oregon | 232 | $ 111,119,000 | $ 478,961 | $ 145,000 |
| Clark, Nevada | 221 | $ 74,670,000 | $ 337,873 | $ 250,000 |
| Clackamas, Oregon | 148 | $ 66,629,000 | $ 450,195 | $ 138,000 |
| Lane, Oregon | 144 | $ 41,813,000 | $ 290,368 | $ 95,000 |
| Kitsap, Washington | 144 | $ 57,800,000 | $ 401,388 | $ 146,000 |
| Deschutes, Oregon | 142 | $ 43,464,000 | $ 306,084 | $ 131,000 |
| Thurston, Washington | 141 | $ 41,656,000 | $ 295,432 | $ 190,000 |
| Bernalillo, New Mexico | 133 | $ 44,244,000 | $ 332,661 | $ 135,000 |
| Washington, Oregon | 133 | $ 56,529,000 | $ 425,030 | $ 167,000 |
| Skagit, Washington | 132 | $ 33,482,000 | $ 253,651 | $ 88,000 |
| Ada, Idaho | 130 | $ 34,482,000 | $ 265,246 | $ 118,000 |
| Dallas, Texas | 128 | $ 61,437,000 | $ 479,976 | $ 214,000 |
| Marion, Oregon | 110 | $ 35,986,000 | $ 327,145 | $ 88,000 |
| Clark, Washington | 92 | $ 37,228,000 | $ 404,652 | $ 141,000 |
| Utah, Utah | 90 | $ 31,405,000 | $ 348,944 | $ 152,000 |
| Whatcom, Washington | 84 | $ 26,194,000 | $ 311,833 | $ 135,000 |
| Clallam, Washington | 79 | $ 22,251,000 | $ 281,658 | $ 164,000 |
| San Juan, Washington | 76 | $ 27,366,000 | $ 360,078 | $ 132,000 |
| Island, Washington | 75 | $ 24,624,000 | $ 328,320 | $ 127,000 |
| Chaves, New Mexico | 73 | $ 3,720,000 | $ 50,958 | $ 43,000 |
| Collin, Texas | 66 | $ 27,930,000 | $ 423,181 | $ 218,000 |
| Tarrant, Texas | 66 | $ 28,052,000 | $ 425,030 | $ 255,000 |
| Jackson, Oregon | 63 | $ 20,795,000 | $ 330,079 | $ 128,000 |
| Lincoln, Oregon | 60 | $ 16,094,000 | $ 268,233 | $ 118,000 |
| Pinal, Arizona | 53 | $ 7,483,000 | $ 141,188 | $ 112,000 |
| Denton, Texas | 52 | $ 23,651,000 | $ 454,826 | $ 196,000 |
| Canyon, Idaho | 51 | $ 7,853,000 | $ 153,980 | $ 85,000 |
| McKinley, New Mexico | 51 | $ 5,677,000 | $ 111,313 | $ 59,000 |
| Davis, Utah | 51 | $ 17,032,000 | $ 333,960 | $ 147,000 |
| Benton, Oregon | 46 | $ 15,405,000 | $ 334,891 | $ 118,000 |
| Summit, Utah | 45 | $ 21,634,000 | $ 480,755 | $ 177,000 |
| Sandoval, New Mexico | 43 | $ 15,285,000 | $ 355,465 | $ 142,000 |
| Lewis, Washington | 43 | $ 9,074,000 | $ 211,023 | $ 82,000 |
| Polk, Oregon | 41 | $ 13,740,000 | $ 335,121 | $ 98,000 |
| Cache, Utah | 40 | $ 8,399,000 | $ 209,975 | $ 98,000 |
| Weber, Utah | 39 | $ 12,920,000 | $ 331,282 | $ 159,000 |
| Twin Falls, Idaho | 38 | $ 7,667,000 | $ 201,763 | $ 105,000 |
| San Juan, New Mexico | 31 | $ 7,249,000 | $ 233,838 | $ 80,000 |
| Linn, Oregon | 31 | $ 6,415,000 | $ 206,935 | $ 77,000 |
| Yamhill, Oregon | 31 | $ 14,456,000 | $ 466,322 | $ 111,000 |
| El Paso, Texas | 31 | $ 6,007,000 | $ 193,774 | $ 123,000 |
| Lincoln, New Mexico | 30 | $ 6,183,000 | $ 206,100 | $ 99,000 |
| Santa Fe, New Mexico | 30 | $ 13,515,000 | $ 450,500 | $ 143,000 |
| Dona Ana, New Mexico | 26 | $ 6,953,000 | $ 267,423 | $ 88,000 |
| Klamath, Oregon | 26 | $ 5,218,000 | $ 200,692 | $ 98,000 |
| Madison, Idaho | 25 | $ 6,104,000 | $ 244,160 | $ 245,000 |
| Douglas, Oregon | 25 | $ 7,461,000 | $ 298,440 | $ 97,000 |
| Box Elder, Utah | 25 | $ 6,251,000 | $ 250,040 | $ 91,000 |
| Bannock, Idaho | 24 | $ 3,906,000 | $ 162,750 | $ 94,000 |
| Bingham, Idaho | 23 | $ 3,805,000 | $ 165,434 | $ 121,000 |
| Carbon, Utah | 23 | $ 4,573,000 | $ 198,826 | $ 80,000 |
| Josephine, Oregon | 21 | $ 7,221,000 | $ 343,857 | $ 115,000 |
| Mason, Washington | 21 | $ 5,578,000 | $ 265,619 | $ 99,000 |
| Wasatch, Utah | 20 | $ 13,508,000 | $ 675,400 | $ 342,000 |
| Bonneville, Idaho | 19 | $ 3,707,000 | $ 195,105 | $ 75,000 |
| Columbia, Oregon | 18 | $ 4,087,000 | $ 227,055 | $ 83,000 |
| Jefferson, Washington | 17 | $ 5,496,000 | $ 323,294 | $ 96,000 |
| Valley, Idaho | 16 | $ 4,870,000 | $ 304,375 | $ 179,000 |
| Jefferson, Idaho | 14 | $ 3,056,000 | $ 218,285 | $ 77,000 |
| Yavapai, Arizona | 13 | $ 2,692,000 | $ 207,076 | $ 127,000 |
| Jerome, Idaho | 12 | $ 1,565,000 | $ 130,416 | $ 64,000 |
| Valencia, New Mexico | 12 | $ 3,207,000 | $ 267,250 | $ 129,000 |
| Cowlitz, Washington | 12 | $ 3,465,000 | $ 288,750 | $ 89,000 |
| Santa Cruz, Arizona | 11 | $ 3,049,000 | $ 277,181 | $ 141,000 |
| Hood River, Oregon | 11 | $ 3,122,000 | $ 283,818 | $ 107,000 |
| Wasco, Oregon | 11 | $ 2,717,000 | $ 247,000 | $ 124,000 |
| Rockwall, Texas | 11 | $ 6,929,000 | $ 629,909 | $ 385,000 |
| Emery, Utah | 11 | $ 2,093,000 | $ 190,272 | $ 106,000 |
| Tooele, Utah | 11 | $ 2,867,000 | $ 260,636 | $ 100,000 |
| Bear Lake, Idaho | 10 | $ 1,826,000 | $ 182,600 | $ 76,000 |
| Fremont, Idaho | 10 | $ 1,221,000 | $ 122,100 | $ 67,000 |
| Crook, Oregon | 10 | $ 2,766,000 | $ 276,600 | $ 81,000 |
| Tillamook, Oregon | 9 | $ 3,596,000 | $ 399,555 | $ 188,000 |
| Kittitas, Washington | 9 | $ 4,536,000 | $ 504,000 | $ 337,000 |
| Gooding, Idaho | 8 | $ 892,000 | $ 111,500 | $ 62,000 |
| Teton, Idaho | 8 | $ 2,264,000 | $ 283,000 | $ 123,000 |
| Jefferson, Oregon | 8 | $ 906,000 | $ 113,250 | $ 47,000 |
| Klickitat, Washington | 8 | $ 2,055,000 | $ 256,875 | $ 85,000 |
| Coos, Oregon | 7 | $ 1,569,000 | $ 224,142 | $ 74,000 |
| Eddy, New Mexico | 6 | $ 649,000 | $ 108,166 | $ 79,000 |
| Morgan, Utah | 6 | $ 3,215,000 | $ 535,833 | $ 192,000 |
| Washington, Utah | 6 | $ 2,229,000 | $ 371,500 | $ 417,000 |
| Navajo, Arizona | 5 | $ 1,459,000 | $ 291,800 | $ 149,000 |
| Franklin, Idaho | 5 | $ 928,000 | $ 185,600 | $ 106,000 |
| Otero, New Mexico | 5 | $ 458,000 | $ 91,600 | $ 74,000 |
| Rich, Utah | 5 | $ 638,000 | $ 127,600 | $ 203,000 |
| Cibola, New Mexico | 4 | $ 329,000 | $ 82,250 | $ 76,000 |
| Gila, Arizona | 3 | $ 877,000 | $ 292,333 | $ 311,000 |
| Blaine, Idaho | 3 | $ 2,739,000 | $ 913,000 | $ 1,858,000 |
| Custer, Idaho | 3 | $ 440,000 | $ 146,666 | $ 126,000 |
| Gem, Idaho | 3 | $ 385,000 | $ 128,333 | $ 53,000 |
| Parker, Texas | 3 | $ 1,112,000 | $ 370,666 | $ 174,000 |
| Wise, Texas | 3 | $ 1,204,000 | $ 401,333 | $ 123,000 |
| Skamania, Washington | 3 | $ 1,050,000 | $ 350,000 | $ 110,000 |
| Coconino, Arizona | 2 | $ 280,000 | $ 140,000 | $ 567,000 |
| Boise, Idaho | 2 | $ 365,000 | $ 182,500 | $ 115,000 |
| Butte, Idaho | 2 | $ 465,000 | $ 232,500 | $ 120,000 |
| Elmore, Idaho | 2 | $ 183,000 | $ 91,500 | $ 53,000 |
| Minidoka, Idaho | 2 | $ 439,000 | $ 219,500 | $ 107,000 |
| Payette, Idaho | 2 | $ 266,000 | $ 133,000 | $ 43,000 |
| Washington, Idaho | 2 | $ 655,000 | $ 327,500 | $ 110,000 |
| Clatsop, Oregon | 2 | $ 1,628,000 | $ 814,000 | $ 40,000 |
| Franklin, Texas | 2 | $ 886,000 | $ 443,000 | $ 347,000 |
| Grays Harbor, Washington | 2 | $ 405,000 | $ 202,500 | $ 55,000 |
| Pacific, Washington | 2 | $ 700,000 | $ 350,000 | $ 114,000 |
| Cochise, Arizona | 1 | $ 199,000 | $ 199,000 | $ 97,000 |
| Mohave, Arizona | 1 | $ 88,000 | $ 88,000 | $ 52,000 |
| Caribou, Idaho | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Cassia, Idaho | 1 | $ 420,000 | $ 420,000 | $ 149,000 |
| Lincoln, Idaho | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Power, Idaho | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Taos, New Mexico | 1 | $ 400,000 | $ 400,000 | $ 456,000 |
| Torrance, New Mexico | 1 | $ 58,000 | $ 58,000 | $ 20,000 |
| Curry, Oregon | 1 | $ 750,000 | $ 750,000 | $ 21,000 |
| Ellis, Texas | 1 | $ 350,000 | $ 350,000 | $ 149,000 |
| Henderson, Texas | 1 | $ 586,000 | $ 586,000 | $ 718,000 |
| Hood, Texas | 1 | $ 418,000 | $ 418,000 | $ 185,000 |
| Kaufman, Texas | 1 | $ 522,000 | $ 522,000 | $ 109,000 |
| Sevier, Utah | 1 | $ 109,000 | $ 109,000 | $ 18,000 |
| Pend Oreille, Washington | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Spokane, Washington | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Washington Federal S&L in 2009
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 | 4,627 | $1,533,731,000 | $331,000 | $4,050,000 | $141,000 | $3,255,000 |
| Refinancing | 2,373 | $857,734,000 | $361,000 | $3,500,000 | $143,000 | $6,204,000 |
| Home Improvement | 384 | $136,933,000 | $356,000 | $4,000,000 | $143,000 | $6,357,000 |
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 | 5,675 | $1,912,225,000 | $336,000 | $4,000,000 | $150,000 | $6,357,000 |
| Not Provided | 493 | $203,834,000 | $413,000 | $2,750,000 | $163,000 | $2,400,000 |
| Asian | 416 | $131,174,000 | $315,000 | $1,800,000 | $119,000 | $982,000 |
| Hispanic | 392 | $89,831,000 | $229,000 | $894,000 | $98,000 | $1,077,000 |
| Not applicable | 248 | $138,131,000 | $556,000 | $4,050,000 | $0 | $0 |
| Black or African American | 109 | $37,716,000 | $346,000 | $1,267,000 | $203,000 | $3,255,000 |
| American Indian or Alaskan Native | 29 | $7,183,000 | $247,000 | $1,323,000 | $95,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $8,304,000 | $377,000 | $850,000 | $110,000 | $296,000 |
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) | 7,365 | $2,525,826,000 | $342,000 | $4,050,000 | $142,000 | $6,357,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,675,000 | $119,000 | $237,000 | $52,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 5 | $897,000 | $179,000 | $225,000 | $68,000 | $101,000 |
| 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 | 3,451 | $1,155,160,000 | $334,000 | $4,050,000 | $149,000 | $6,357,000 |
| Application Denied By Financial Institution | 1,611 | $579,796,000 | $359,000 | $3,000,000 | $129,000 | $6,204,000 |
| Application Withdrawn By Applicant | 762 | $258,186,000 | $338,000 | $3,500,000 | $143,000 | $2,400,000 |
| File Closed For Incompleteness | 520 | $175,375,000 | $337,000 | $2,000,000 | $135,000 | $5,038,000 |
| Preapproval Approved but not Accepted | 437 | $173,358,000 | $396,000 | $2,000,000 | $152,000 | $2,569,000 |
| Preapproval Denied by Financial Institution | 402 | $121,616,000 | $302,000 | $1,558,000 | $102,000 | $3,255,000 |
| Application Approved But Not Accepted | 201 | $64,907,000 | $322,000 | $1,150,000 | $193,000 | $1,505,000 |
| 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 | 931 | $348,906,000 | $374,000 | $2,300,000 | $110,000 | $6,204,000 |
| Other | 316 | $118,718,000 | $375,000 | $3,000,000 | $172,000 | $3,255,000 |
| Collateral | 289 | $89,148,000 | $308,000 | $1,398,000 | $147,000 | $1,413,000 |
| Credit History | 210 | $53,615,000 | $255,000 | $815,000 | $98,000 | $1,112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 179 | $60,825,000 | $339,000 | $1,600,000 | $98,000 | $645,000 |
| Employment History | 58 | $17,543,000 | $302,000 | $1,340,000 | $137,000 | $2,340,000 |
| Unverifiable Information | 16 | $5,642,000 | $352,000 | $812,000 | $92,000 | $317,000 |
| Credit Application Incomplete | 12 | $6,256,000 | $521,000 | $1,558,000 | $128,000 | $587,000 |
| Mortgage Insurance Denied | 2 | $759,000 | $379,000 | $417,000 | $89,000 | $97,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal S&L's 2009 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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