Washington Federal Mortgage Lending & HMDA Data, 2015

In 2015, Washington Federal of Seattle, WA reported 6,782 mortgage applications totaling $2.6 billion, down 5% from 2014. The average application was for $378,102, and applicants reported an average income of $117,374. 47% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,444), Phoenix-Mesa-Scottsdale, AZ (366) and Tucson, AZ (282) (applications in parentheses).

Mortgage Company & Address Washington Federal
425 Pike St
Seattle, WA 98101
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 6,782
Total Mortgage Loan Application Amount $2,564,291,000
Average Mortgage Loan Application Amount $378,102
Highest Mortgage Loan Application Amount $45,364,000
Average Applicant Income $117,374
Highest Applicant Income $9,824,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Washington Federal filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Washington Federal by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
King, Washington 1,034 $ 576,991,000 $ 558,018 $ 156,000
Snohomish, Washington 410 $ 144,452,000 $ 352,321 $ 98,000
Maricopa, Arizona 339 $ 128,391,000 $ 378,734 $ 143,000
Pima, Arizona 282 $ 73,871,000 $ 261,953 $ 103,000
Salt Lake, Utah 222 $ 77,370,000 $ 348,513 $ 111,000
Whatcom, Washington 195 $ 76,706,000 $ 393,364 $ 103,000
Pierce, Washington 174 $ 63,326,000 $ 363,942 $ 207,000
Deschutes, Oregon 137 $ 51,213,000 $ 373,817 $ 145,000
Skagit, Washington 137 $ 38,994,000 $ 284,627 $ 104,000
Clark, Nevada 123 $ 52,869,000 $ 429,829 $ 178,000
Ada, Idaho 107 $ 46,842,000 $ 437,775 $ 137,000
Kitsap, Washington 88 $ 34,363,000 $ 390,488 $ 134,000
Multnomah, Oregon 83 $ 73,929,000 $ 890,710 $ 88,000
Utah, Utah 82 $ 33,727,000 $ 411,304 $ 161,000
Island, Washington 70 $ 24,868,000 $ 355,257 $ 146,000
San Juan, Washington 69 $ 24,825,000 $ 359,782 $ 110,000
Dallas, Texas 67 $ 76,223,000 $ 1,137,656 $ 132,000
Bernalillo, New Mexico 61 $ 28,796,000 $ 472,065 $ 105,000
Clallam, Washington 61 $ 15,766,000 $ 258,459 $ 103,000
Santa Fe, New Mexico 59 $ 24,485,000 $ 415,000 $ 128,000
Clackamas, Oregon 58 $ 29,318,000 $ 505,482 $ 170,000
Lane, Oregon 56 $ 18,412,000 $ 328,785 $ 93,000
Canyon, Idaho 54 $ 11,335,000 $ 209,907 $ 75,000
Chelan, Washington 54 $ 16,445,000 $ 304,537 $ 106,000
Jackson, Oregon 50 $ 14,069,000 $ 281,380 $ 78,000
Summit, Utah 46 $ 23,052,000 $ 501,130 $ 188,000
Davis, Utah 42 $ 20,605,000 $ 490,595 $ 94,000
Washington, Oregon 41 $ 17,567,000 $ 428,463 $ 118,000
Clark, Washington 40 $ 16,306,000 $ 407,650 $ 88,000
Twin Falls, Idaho 37 $ 6,139,000 $ 165,918 $ 71,000
Dona Ana, New Mexico 35 $ 19,567,000 $ 559,057 $ 56,000
Benton, Oregon 35 $ 12,365,000 $ 353,285 $ 136,000
Thurston, Washington 35 $ 18,583,000 $ 530,942 $ 106,000
Marion, Oregon 34 $ 14,619,000 $ 429,970 $ 65,000
Chaves, New Mexico 33 $ 4,443,000 $ 134,636 $ 63,000
Yavapai, Arizona 31 $ 8,718,000 $ 281,225 $ 118,000
Cache, Utah 31 $ 9,080,000 $ 292,903 $ 118,000
Santa Cruz, Arizona 30 $ 3,061,000 $ 102,033 $ 44,000
Madison, Idaho 29 $ 11,777,000 $ 406,103 $ 98,000
Linn, Oregon 29 $ 8,028,000 $ 276,827 $ 74,000
Blaine, Idaho 28 $ 5,406,000 $ 193,071 $ 82,000
Grant, Washington 28 $ 7,800,000 $ 278,571 $ 84,000
Kittitas, Washington 28 $ 8,771,000 $ 313,250 $ 156,000
Navajo, Arizona 27 $ 4,804,000 $ 177,925 $ 69,000
Pinal, Arizona 27 $ 4,472,000 $ 165,629 $ 81,000
Grant, New Mexico 27 $ 3,775,000 $ 139,814 $ 63,000
San Juan, New Mexico 27 $ 6,861,000 $ 254,111 $ 124,000
Jefferson, Washington 27 $ 7,291,000 $ 270,037 $ 96,000
Cochise, Arizona 26 $ 2,586,000 $ 99,461 $ 41,000
Klamath, Oregon 26 $ 7,982,000 $ 307,000 $ 110,000
Wasatch, Utah 26 $ 10,318,000 $ 396,846 $ 250,000
Bonneville, Idaho 24 $ 4,952,000 $ 206,333 $ 78,000
Collin, Texas 23 $ 7,869,000 $ 342,130 $ 121,000
Travis, Texas 23 $ 17,035,000 $ 740,652 $ 13,000
Josephine, Oregon 22 $ 5,173,000 $ 235,136 $ 100,000
Denton, Texas 22 $ 7,333,000 $ 333,318 $ 142,000
Stevens, Washington 22 $ 3,198,000 $ 145,363 $ 85,000
Okanogan, Washington 21 $ 4,231,000 $ 201,476 $ 81,000
Weber, Utah 20 $ 9,366,000 $ 468,300 $ 116,000
Yuma, Arizona 18 $ 2,009,000 $ 111,611 $ 50,000
Lincoln, Oregon 18 $ 4,164,000 $ 231,333 $ 75,000
Wasco, Oregon 18 $ 3,225,000 $ 179,166 $ 62,000
Douglas, Washington 18 $ 3,682,000 $ 204,555 $ 56,000
Mason, Washington 17 $ 4,640,000 $ 272,941 $ 128,000
McKinley, New Mexico 16 $ 1,519,000 $ 94,937 $ 54,000
Tarrant, Texas 16 $ 6,802,000 $ 425,125 $ 145,000
Gila, Arizona 15 $ 2,085,000 $ 139,000 $ 63,000
Jefferson, Idaho 15 $ 3,120,000 $ 208,000 $ 67,000
Eddy, New Mexico 15 $ 2,199,000 $ 146,600 $ 92,000
Spokane, Washington 15 $ 3,704,000 $ 246,933 $ 71,000
Bingham, Idaho 14 $ 2,846,000 $ 203,285 $ 76,000
Bonner, Idaho 14 $ 3,345,000 $ 238,928 $ 87,000
Lincoln, New Mexico 14 $ 1,807,000 $ 129,071 $ 74,000
Crook, Oregon 14 $ 3,464,000 $ 247,428 $ 57,000
Carbon, Utah 14 $ 2,611,000 $ 186,500 $ 75,000
Lewis, Washington 14 $ 2,970,000 $ 212,142 $ 110,000
Whitman, Washington 14 $ 2,889,000 $ 206,357 $ 80,000
Bannock, Idaho 13 $ 1,384,000 $ 106,461 $ 70,000
Rio Arriba, New Mexico 13 $ 2,108,000 $ 162,153 $ 63,000
Hood River, Oregon 13 $ 4,759,000 $ 366,076 $ 134,000
Polk, Oregon 13 $ 5,697,000 $ 438,230 $ 103,000
Umatilla, Oregon 13 $ 1,665,000 $ 128,076 $ 50,000
Yamhill, Oregon 13 $ 8,483,000 $ 652,538 $ 126,000
Colfax, New Mexico 12 $ 2,668,000 $ 222,333 $ 87,000
Yakima, Washington 12 $ 2,556,000 $ 213,000 $ 147,000
Fremont, Idaho 11 $ 2,578,000 $ 234,363 $ 75,000
Lemhi, Idaho 11 $ 1,866,000 $ 169,636 $ 115,000
Klickitat, Washington 11 $ 2,568,000 $ 233,454 $ 94,000
Washoe, Nevada 10 $ 4,677,000 $ 467,700 $ 222,000
Lea, New Mexico 10 $ 1,216,000 $ 121,600 $ 66,000
Sandoval, New Mexico 10 $ 3,850,000 $ 385,000 $ 198,000
Jefferson, Oregon 10 $ 1,511,000 $ 151,100 $ 54,000
Box Elder, Utah 10 $ 1,885,000 $ 188,500 $ 77,000
Emery, Utah 10 $ 1,930,000 $ 193,000 $ 195,000
Washington, Utah 10 $ 3,852,000 $ 385,200 $ 208,000
Valley, Idaho 9 $ 3,134,000 $ 348,222 $ 146,000
Asotin, Washington 9 $ 1,130,000 $ 125,555 $ 59,000
Pend Oreille, Washington 9 $ 1,399,000 $ 155,444 $ 46,000
Jerome, Idaho 8 $ 950,000 $ 118,750 $ 66,000
Coos, Oregon 8 $ 3,791,000 $ 473,875 $ 161,000
Teton, Idaho 7 $ 2,033,000 $ 290,428 $ 113,000
Cowlitz, Washington 7 $ 2,850,000 $ 407,142 $ 62,000
Graham, Arizona 6 $ 1,130,000 $ 188,333 $ 71,000
Curry, New Mexico 6 $ 339,000 $ 56,500 $ 24,000
Otero, New Mexico 6 $ 943,000 $ 157,166 $ 119,000
Grays Harbor, Washington 6 $ 2,045,000 $ 340,833 $ 90,000
Gooding, Idaho 5 $ 378,000 $ 75,600 $ 66,000
Elko, Nevada 5 $ 1,026,000 $ 205,200 $ 53,000
Socorro, New Mexico 5 $ 420,000 $ 84,000 $ 43,000
Malheur, Oregon 5 $ 916,000 $ 183,200 $ 60,000
El Paso, Texas 5 $ 4,300,000 $ 860,000 $ 195,000
Tooele, Utah 5 $ 931,000 $ 186,200 $ 76,000
Union, Oregon 4 $ 566,000 $ 141,500 $ 47,000
Lincoln, Washington 4 $ 456,000 $ 114,000 $ 119,000
Walla Walla, Washington 4 $ 1,229,000 $ 307,250 $ 95,000
Caribou, Idaho 3 $ 458,000 $ 152,666 $ 47,000
Franklin, Idaho 3 $ 477,000 $ 159,000 $ 34,000
Kootenai, Idaho 3 $ 863,000 $ 287,666 $ 105,000
Minidoka, Idaho 3 $ 365,000 $ 121,666 $ 76,000
Payette, Idaho 3 $ 365,000 $ 121,666 $ 69,000
Shoshone, Idaho 3 $ 248,000 $ 82,666 $ 34,000
Churchill, Nevada 3 $ 428,000 $ 142,666 $ 57,000
Lyon, Nevada 3 $ 359,000 $ 119,666 $ 86,000
Torrance, New Mexico 3 $ 202,000 $ 67,333 $ 107,000
Lake, Oregon 3 $ 492,000 $ 164,000 $ 82,000
Hays, Texas 3 $ 1,189,000 $ 396,333 $ 75,000
Morgan, Utah 3 $ 1,636,000 $ 545,333 $ 119,000
Adams, Washington 3 $ 279,000 $ 93,000 $ 40,000
Ferry, Washington 3 $ 465,000 $ 155,000 $ 118,000
Apache, Arizona 2 $ 322,000 $ 161,000 $ 45,000
Coconino, Arizona 2 $ 805,000 $ 402,500 $ 160,000
Adams, Idaho 2 $ 140,000 $ 70,000 $ 29,000
Boundary, Idaho 2 $ 412,000 $ 206,000 $ 64,000
Clark, Idaho 2 $ 320,000 $ 160,000 $ 52,000
Latah, Idaho 2 $ 411,000 $ 205,500 $ 75,000
Nez Perce, Idaho 2 $ 1,028,000 $ 514,000 $ 203,000
Humboldt, Nevada 2 $ 230,000 $ 115,000 $ 69,000
White Pine, Nevada 2 $ 427,000 $ 213,500 $ 89,000
Roosevelt, New Mexico 2 $ 181,000 $ 90,500 $ 113,000
Baker, Oregon 2 $ 158,000 $ 79,000 $ 78,000
Clatsop, Oregon 2 $ 517,000 $ 258,500 $ 14,000
Columbia, Oregon 2 $ 385,000 $ 192,500 $ 124,000
Curry, Oregon 2 $ 436,000 $ 218,000 $ 181,000
Douglas, Oregon 2 $ 1,823,000 $ 911,500 $ 101,000
Parker, Texas 2 $ 3,585,000 $ 1,792,500 $ 0
Rockwall, Texas 2 $ 406,000 $ 203,000 $ 18,000
Benton, Washington 2 $ 7,051,000 $ 3,525,500 $ 0
Columbia, Washington 2 $ 307,000 $ 153,500 $ 72,000
Skamania, Washington 2 $ 506,000 $ 253,000 $ 70,000
La Paz, Arizona 1 $ 132,000 $ 132,000 $ 0
La Plata, Colorado 1 $ 1,100,000 $ 1,100,000 $ 1,135,000
Boise, Idaho 1 $ 300,000 $ 300,000 $ 76,000
Camas, Idaho 1 $ 22,000 $ 22,000 $ 20,000
Cassia, Idaho 1 $ 150,000 $ 150,000 $ 35,000
Owyhee, Idaho 1 $ 367,000 $ 367,000 $ 43,000
San Miguel, New Mexico 1 $ 111,000 $ 111,000 $ 22,000
Taos, New Mexico 1 $ 565,000 $ 565,000 $ 602,000
Harney, Oregon 1 $ 36,000 $ 36,000 $ 28,000
Morrow, Oregon 1 $ 300,000 $ 300,000 $ 58,000
Tillamook, Oregon 1 $ 496,000 $ 496,000 $ 602,000
Comal, Texas 1 $ 192,000 $ 192,000 $ 89,000
Cooke, Texas 1 $ 240,000 $ 240,000 $ 145,000
Ellis, Texas 1 $ 585,000 $ 585,000 $ 121,000
Grayson, Texas 1 $ 637,000 $ 637,000 $ 199,000
Hunt, Texas 1 $ 304,000 $ 304,000 $ 127,000
Williamson, Texas 1 $ 560,000 $ 560,000 $ 167,000
Iron, Utah 1 $ 300,000 $ 300,000 $ 0
Rich, Utah 1 $ 166,000 $ 166,000 $ 32,000
Garfield, Washington 1 $ 188,000 $ 188,000 $ 149,000

Mortgage Loan Application Detail Totals for Washington Federal in 2015

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 5,279 $1,999,771,000 $378,000 $45,364,000 $118,000 $5,051,000
Refinancing 1,238 $473,423,000 $382,000 $5,700,000 $115,000 $9,824,000
Home Improvement 265 $91,097,000 $343,000 $3,600,000 $116,000 $1,059,000

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 4,710 $1,612,815,000 $342,000 $4,920,000 $133,000 $9,824,000
Hispanic 565 $99,890,000 $176,000 $850,000 $68,000 $385,000
Not applicable 556 $485,451,000 $873,000 $45,364,000 $12,000 $1,117,000
Asian 474 $154,678,000 $326,000 $4,000,000 $108,000 $821,000
Not Provided 351 $171,710,000 $489,000 $4,669,000 $165,000 $777,000
Black or African American 65 $19,397,000 $298,000 $800,000 $107,000 $400,000
American Indian or Alaskan Native 43 $15,216,000 $353,000 $2,250,000 $112,000 $540,000
Native Hawaiian or Other Pacific Islander 18 $5,134,000 $285,000 $655,000 $130,000 $643,000

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) 6,782 $2,564,291,000 $378,000 $45,364,000 $117,000 $9,824,000
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
VA-guaranteed (Veterans Administration) 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 3,172 $1,349,384,000 $425,000 $45,364,000 $135,000 $9,824,000
File Closed For Incompleteness 1,532 $529,161,000 $345,000 $2,500,000 $123,000 $1,228,000
Application Denied By Financial Institution 1,403 $441,124,000 $314,000 $4,920,000 $93,000 $1,539,000
Application Withdrawn By Applicant 357 $98,283,000 $275,000 $2,430,000 $114,000 $1,937,000
Loan Purchased By The Institution 258 $120,452,000 $466,000 $1,392,000 $0 $0
Application Approved But Not Accepted 60 $25,887,000 $431,000 $2,000,000 $152,000 $787,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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 725 $232,670,000 $320,000 $4,000,000 $73,000 $718,000
Credit History 328 $87,348,000 $266,000 $1,701,000 $102,000 $865,000
Other 137 $56,144,000 $409,000 $3,000,000 $154,000 $1,539,000
Collateral 122 $31,083,000 $254,000 $850,000 $97,000 $438,000
Insufficient Cash (Downpayment, Closing Cost) 46 $19,617,000 $426,000 $4,920,000 $137,000 $1,240,000
Employment History 35 $11,516,000 $329,000 $850,000 $91,000 $279,000
Unverifiable Information 9 $2,096,000 $232,000 $600,000 $55,000 $100,000
Credit Application Incomplete 1 $650,000 $650,000 $650,000 $650,000 $650,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal's 2015 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 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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