Washington Federal Mortgage Lending & HMDA Data, 2018

In 2018, Washington Federal of Seattle, WA reported 7,132 mortgage applications totaling $3.0 billion, down 1% from 2017. The average application was for $417,240, and applicants reported an average income of $146,847. 51% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,365), Phoenix-Mesa-Scottsdale, AZ (473) and Bellingham, WA (325) (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 7,132
Total Mortgage Loan Application Amount $2,975,760,000
Average Mortgage Loan Application Amount $417,240
Highest Mortgage Loan Application Amount $33,305,000
Average Applicant Income $146,847
Highest Applicant Income $5,216,000

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Act (HMDA) records Washington Federal filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
King, Washington 965 $ 575,375,000 $ 596,243 $ 200,000
Maricopa, Arizona 434 $ 239,400,000 $ 551,612 $ 150,000
Snohomish, Washington 400 $ 156,320,000 $ 390,800 $ 137,000
Whatcom, Washington 325 $ 97,845,000 $ 301,061 $ 114,000
Pima, Arizona 305 $ 87,415,000 $ 286,606 $ 117,000
Deschutes, Oregon 221 $ 77,935,000 $ 352,647 $ 160,000
Clark, Nevada 194 $ 75,140,000 $ 387,319 $ 156,000
Pierce, Washington 191 $ 100,165,000 $ 524,424 $ 159,000
Salt Lake, Utah 184 $ 167,530,000 $ 910,489 $ 216,000
Skagit, Washington 163 $ 56,615,000 $ 347,331 $ 119,000
Ada, Idaho 155 $ 44,885,000 $ 289,580 $ 154,000
Kitsap, Washington 152 $ 61,350,000 $ 403,618 $ 149,000
Canyon, Idaho 120 $ 20,780,000 $ 173,166 $ 76,000
Chelan, Washington 110 $ 39,440,000 $ 358,545 $ 225,000
Island, Washington 105 $ 40,775,000 $ 388,333 $ 141,000
Lane, Oregon 92 $ 90,350,000 $ 982,065 $ 137,000
Multnomah, Oregon 88 $ 89,230,000 $ 1,013,977 $ 169,000
San Juan, Washington 86 $ 32,790,000 $ 381,279 $ 210,000
Grant, Washington 81 $ 18,775,000 $ 231,790 $ 136,000
Bernalillo, New Mexico 71 $ 35,275,000 $ 496,830 $ 182,000
Jackson, Oregon 68 $ 24,360,000 $ 358,235 $ 115,000
Josephine, Oregon 68 $ 11,910,000 $ 175,147 $ 64,000
Yavapai, Arizona 67 $ 22,825,000 $ 340,671 $ 126,000
Clallam, Washington 65 $ 19,835,000 $ 305,153 $ 112,000
Spokane, Washington 64 $ 16,710,000 $ 261,093 $ 102,000
Clackamas, Oregon 63 $ 29,995,000 $ 476,111 $ 179,000
Utah, Utah 61 $ 31,225,000 $ 511,885 $ 154,000
Benton, Oregon 60 $ 30,820,000 $ 513,666 $ 171,000
Washington, Oregon 60 $ 25,700,000 $ 428,333 $ 135,000
Thurston, Washington 57 $ 18,275,000 $ 320,614 $ 131,000
Klamath, Oregon 55 $ 11,625,000 $ 211,363 $ 90,000
Clark, Washington 54 $ 29,730,000 $ 550,555 $ 145,000
Kittitas, Washington 54 $ 23,940,000 $ 443,333 $ 189,000
Linn, Oregon 52 $ 29,120,000 $ 560,000 $ 73,000
Lincoln, Oregon 51 $ 18,325,000 $ 359,313 $ 102,000
Dona Ana, New Mexico 50 $ 11,730,000 $ 234,600 $ 118,000
Santa Fe, New Mexico 48 $ 21,870,000 $ 455,625 $ 181,000
Marion, Oregon 48 $ 18,560,000 $ 386,666 $ 119,000
Davis, Utah 46 $ 19,830,000 $ 431,086 $ 153,000
Gila, Arizona 45 $ 9,635,000 $ 214,111 $ 106,000
Stevens, Washington 45 $ 9,695,000 $ 215,444 $ 81,000
Yuma, Arizona 41 $ 8,125,000 $ 198,170 $ 68,000
Crook, Oregon 41 $ 11,955,000 $ 291,585 $ 115,000
Santa Cruz, Arizona 40 $ 5,340,000 $ 133,500 $ 54,000
Pinal, Arizona 39 $ 10,295,000 $ 263,974 $ 100,000
Bonneville, Idaho 39 $ 10,845,000 $ 278,076 $ 164,000
Walla Walla, Washington 37 $ 7,345,000 $ 198,513 $ 93,000
Cochise, Arizona 36 $ 6,410,000 $ 178,055 $ 46,000
Blaine, Idaho 36 $ 14,240,000 $ 395,555 $ 172,000
Mason, Washington 35 $ 8,595,000 $ 245,571 $ 135,000
Navajo, Arizona 33 $ 9,425,000 $ 285,606 $ 128,000
Dallas, Texas 33 $ 30,695,000 $ 930,151 $ 168,000
Polk, Oregon 32 $ 8,820,000 $ 275,625 $ 119,000
Valley, Idaho 29 $ 9,105,000 $ 313,965 $ 183,000
Douglas, Washington 29 $ 8,625,000 $ 297,413 $ 207,000
Twin Falls, Idaho 28 $ 3,450,000 $ 123,214 $ 54,000
Bingham, Idaho 27 $ 4,685,000 $ 173,518 $ 80,000
Lewis, Washington 27 $ 10,005,000 $ 370,555 $ 150,000
Madison, Idaho 26 $ 4,770,000 $ 183,461 $ 84,000
Weber, Utah 25 $ 8,425,000 $ 337,000 $ 108,000
Jefferson, Oregon 24 $ 4,410,000 $ 183,750 $ 95,000
Denton, Texas 23 $ 10,325,000 $ 448,913 $ 183,000
Yakima, Washington 23 $ 3,745,000 $ 162,826 $ 121,000
Jefferson, Washington 21 $ 5,395,000 $ 256,904 $ 120,000
Okanogan, Washington 21 $ 4,375,000 $ 208,333 $ 120,000
Fremont, Idaho 20 $ 5,840,000 $ 292,000 $ 207,000
Sandoval, New Mexico 20 $ 6,420,000 $ 321,000 $ 137,000
Umatilla, Oregon 20 $ 2,060,000 $ 103,000 $ 70,000
Cache, Utah 20 $ 6,300,000 $ 315,000 $ 136,000
Wasatch, Utah 20 $ 12,730,000 $ 636,500 $ 218,000
Chaves, New Mexico 19 $ 1,695,000 $ 89,210 $ 64,000
Rio Arriba, New Mexico 19 $ 3,765,000 $ 198,157 $ 91,000
Bonner, Idaho 18 $ 5,940,000 $ 330,000 $ 128,000
Lincoln, New Mexico 17 $ 2,615,000 $ 153,823 $ 65,000
Bannock, Idaho 16 $ 1,840,000 $ 115,000 $ 96,000
Colfax, New Mexico 16 $ 3,840,000 $ 240,000 $ 149,000
McKinley, New Mexico 16 $ 2,100,000 $ 131,250 $ 96,000
Summit, Utah 16 $ 9,640,000 $ 602,500 $ 255,000
Lemhi, Idaho 15 $ 3,915,000 $ 261,000 $ 266,000
Carbon, Utah 15 $ 1,645,000 $ 109,666 $ 102,000
Coconino, Arizona 14 $ 4,990,000 $ 356,428 $ 224,000
Washoe, Nevada 14 $ 8,650,000 $ 617,857 $ 262,000
San Juan, New Mexico 14 $ 2,640,000 $ 188,571 $ 122,000
Grays Harbor, Washington 14 $ 3,490,000 $ 249,285 $ 159,000
Payette, Idaho 13 $ 1,465,000 $ 112,692 $ 55,000
Gooding, Idaho 12 $ 1,350,000 $ 112,500 $ 59,000
Jerome, Idaho 12 $ 1,230,000 $ 102,500 $ 47,000
Elko, Nevada 12 $ 2,710,000 $ 225,833 $ 73,000
Washington, Utah 12 $ 5,820,000 $ 485,000 $ 147,000
Ferry, Washington 12 $ 1,640,000 $ 136,666 $ 79,000
Jefferson, Idaho 11 $ 2,255,000 $ 205,000 $ 143,000
Collin, Texas 11 $ 3,565,000 $ 324,090 $ 202,000
Tarrant, Texas 11 $ 3,225,000 $ 293,181 $ 94,000
White Pine, Nevada 10 $ 1,870,000 $ 187,000 $ 77,000
Box Elder, Utah 10 $ 3,800,000 $ 380,000 $ 106,000
Lincoln, Washington 10 $ 2,700,000 $ 270,000 $ 81,000
Pend Oreille, Washington 10 $ 1,970,000 $ 197,000 $ 536,000
Whitman, Washington 10 $ 1,750,000 $ 175,000 $ 79,000
Teton, Idaho 9 $ 2,555,000 $ 283,888 $ 66,000
Curry, New Mexico 9 $ 615,000 $ 68,333 $ 49,000
Columbia, Oregon 9 $ 3,825,000 $ 425,000 $ 179,000
Hood River, Oregon 9 $ 3,485,000 $ 387,222 $ 165,000
Asotin, Washington 9 $ 1,045,000 $ 116,111 $ 92,000
Gem, Idaho 8 $ 1,770,000 $ 221,250 $ 98,000
Wasco, Oregon 8 $ 2,000,000 $ 250,000 $ 76,000
Yamhill, Oregon 8 $ 14,150,000 $ 1,768,750 $ 74,000
Klickitat, Washington 8 $ 2,600,000 $ 325,000 $ 146,000
Kootenai, Idaho 7 $ 2,815,000 $ 402,142 $ 157,000
Lyon, Nevada 7 $ 1,085,000 $ 155,000 $ 98,000
Otero, New Mexico 7 $ 2,525,000 $ 360,714 $ 49,000
Tillamook, Oregon 7 $ 1,645,000 $ 235,000 $ 93,000
Union, Oregon 7 $ 1,045,000 $ 149,285 $ 74,000
Tooele, Utah 7 $ 2,065,000 $ 295,000 $ 91,000
Boise, Idaho 6 $ 1,380,000 $ 230,000 $ 184,000
Shoshone, Idaho 6 $ 570,000 $ 95,000 $ 200,000
Socorro, New Mexico 6 $ 1,230,000 $ 205,000 $ 118,000
Douglas, Oregon 6 $ 1,250,000 $ 208,333 $ 155,000
Rockwall, Texas 6 $ 1,990,000 $ 331,666 $ 137,000
Morgan, Utah 6 $ 3,310,000 $ 551,666 $ 273,000
Churchill, Nevada 5 $ 925,000 $ 185,000 $ 130,000
Lea, New Mexico 5 $ 325,000 $ 65,000 $ 99,000
Coos, Oregon 5 $ 1,155,000 $ 231,000 $ 52,000
Malheur, Oregon 5 $ 605,000 $ 121,000 $ 78,000
Travis, Texas 5 $ 3,555,000 $ 711,000 $ 215,000
Cowlitz, Washington 5 $ 1,195,000 $ 239,000 $ 78,000
Apache, Arizona 4 $ 830,000 $ 207,500 $ 136,000
Mohave, Arizona 4 $ 2,350,000 $ 587,500 $ 100,000
Eddy, New Mexico 4 $ 500,000 $ 125,000 $ 80,000
Clatsop, Oregon 4 $ 1,780,000 $ 445,000 $ 171,000
Benton, Washington 4 $ 1,300,000 $ 325,000 $ 82,000
Adams, Idaho 3 $ 545,000 $ 181,666 $ 73,000
Franklin, Idaho 3 $ 895,000 $ 298,333 $ 493,000
Owyhee, Idaho 3 $ 255,000 $ 85,000 $ 44,000
Power, Idaho 3 $ 185,000 $ 61,666 $ 157,000
San Miguel, New Mexico 3 $ 655,000 $ 218,333 $ 90,000
Lake, Oregon 3 $ 505,000 $ 168,333 $ 102,000
Columbia, Washington 3 $ 545,000 $ 181,666 $ 97,000
Franklin, Washington 3 $ 1,415,000 $ 471,666 $ 185,000
Cassia, Idaho 2 $ 90,000 $ 45,000 $ 109,000
Latah, Idaho 2 $ 4,160,000 $ 2,080,000 $ 75,000
Minidoka, Idaho 2 $ 260,000 $ 130,000 $ 33,000
Washington, Idaho 2 $ 120,000 $ 60,000 $ 59,000
Los Alamos, New Mexico 2 $ 130,000 $ 65,000 $ 119,000
Torrance, New Mexico 2 $ 70,000 $ 35,000 $ 35,000
Baker, Oregon 2 $ 320,000 $ 160,000 $ 49,000
Grant, Oregon 2 $ 540,000 $ 270,000 $ 40,000
El Paso, Texas 2 $ 8,310,000 $ 4,155,000 $ 0
Ellis, Texas 2 $ 880,000 $ 440,000 $ 97,000
Garza, Texas 2 $ 540,000 $ 270,000 $ 150,000
Hunt, Texas 2 $ 600,000 $ 300,000 $ 116,000
Kaufman, Texas 2 $ 560,000 $ 280,000 $ 94,000
Rich, Utah 2 $ 800,000 $ 400,000 $ 172,000
Pacific, Washington 2 $ 300,000 $ 150,000 $ 150,000
Skamania, Washington 2 $ 620,000 $ 310,000 $ 93,000
Graham, Arizona 1 $ 365,000 $ 365,000 $ 290,000
Los Angeles, California 1 $ 655,000 $ 655,000 $ 0
Bear Lake, Idaho 1 $ 155,000 $ 155,000 $ 32,000
Boundary, Idaho 1 $ 355,000 $ 355,000 $ 105,000
Custer, Idaho 1 $ 185,000 $ 185,000 $ 0
Elmore, Idaho 1 $ 35,000 $ 35,000 $ 21,000
Idaho, Idaho 1 $ 255,000 $ 255,000 $ 26,000
Lincoln, Idaho 1 $ 35,000 $ 35,000 $ 40,000
Nez Perce, Idaho 1 $ 185,000 $ 185,000 $ 51,000
Luna, New Mexico 1 $ 105,000 $ 105,000 $ 65,000
Sierra, New Mexico 1 $ 125,000 $ 125,000 $ 0
Valencia, New Mexico 1 $ 95,000 $ 95,000 $ 91,000
Morrow, Oregon 1 $ 75,000 $ 75,000 $ 30,000
Wallowa, Oregon 1 $ 105,000 $ 105,000 $ 0
Bexar, Texas 1 $ 675,000 $ 675,000 $ 250,000
Comal, Texas 1 $ 475,000 $ 475,000 $ 104,000
Cooke, Texas 1 $ 205,000 $ 205,000 $ 141,000
Galveston, Texas 1 $ 945,000 $ 945,000 $ 0
Gillespie, Texas 1 $ 605,000 $ 605,000 $ 0
Grayson, Texas 1 $ 175,000 $ 175,000 $ 164,000
Parker, Texas 1 $ 425,000 $ 425,000 $ 147,000
Emery, Utah 1 $ 355,000 $ 355,000 $ 212,000
Sanpete, Utah 1 $ 255,000 $ 255,000 $ 78,000
Adams, Washington 1 $ 165,000 $ 165,000 $ 89,000

Mortgage Loan Application Detail Totals for Washington Federal in 2018

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 4,412 $2,261,500,000 $512,000 $33,305,000 $157,000 $5,216,000
Refinancing 1,425 $421,085,000 $295,000 $13,955,000 $128,000 $3,942,000
Other Purpose 824 $123,170,000 $149,000 $1,505,000 $126,000 $2,149,000
Home Improvement 411 $86,405,000 $210,000 $2,505,000 $145,000 $2,683,000
Cash-out Refinancing 60 $83,600,000 $1,393,000 $6,835,000 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0

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 4,923 $1,744,715,000 $354,000 $3,705,000 $150,000 $5,216,000
Not Provided 668 $261,770,000 $391,000 $2,505,000 $164,000 $1,349,000
Hispanic 489 $96,615,000 $197,000 $1,095,000 $91,000 $586,000
Not applicable 488 $658,090,000 $1,348,000 $33,305,000 $0 $0
Asian 363 $147,115,000 $405,000 $2,275,000 $152,000 $2,095,000
Black or African American 73 $24,785,000 $339,000 $1,505,000 $138,000 $621,000
American Indian or Alaskan Native 73 $18,945,000 $259,000 $925,000 $101,000 $423,000
Native Hawaiian or Other Pacific Islander 18 $7,060,000 $392,000 $1,495,000 $117,000 $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) 7,132 $2,975,760,000 $417,000 $33,305,000 $147,000 $5,216,000
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 3,647 $1,751,835,000 $480,000 $33,305,000 $154,000 $5,216,000
Application Denied By Financial Institution 1,405 $470,185,000 $334,000 $2,825,000 $108,000 $1,672,000
File Closed For Incompleteness 1,004 $399,990,000 $398,000 $2,505,000 $168,000 $5,148,000
Application Withdrawn By Applicant 1,003 $330,785,000 $329,000 $2,005,000 $181,000 $4,536,000
Application Approved But Not Accepted 73 $22,965,000 $314,000 $1,205,000 $180,000 $2,769,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Not applicable 5,727 $2,505,575,000 $437,000 $33,305,000 $159,000 $5,216,000
Debt-To-Income Ratio 795 $275,765,000 $346,000 $2,105,000 $84,000 $500,000
Credit History 297 $82,275,000 $277,000 $1,805,000 $119,000 $1,672,000
Collateral 132 $35,860,000 $271,000 $1,735,000 $144,000 $968,000
Other 104 $39,510,000 $379,000 $2,825,000 $185,000 $1,073,000
Insufficient Cash (Downpayment, Closing Cost) 38 $24,500,000 $644,000 $2,095,000 $200,000 $837,000
Employment History 28 $8,010,000 $286,000 $1,505,000 $68,000 $408,000
Unverifiable Information 10 $4,210,000 $421,000 $855,000 $145,000 $413,000
Credit Application Incomplete 1 $55,000 $55,000 $55,000 $141,000 $141,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal's 2018 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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