Washington Federal Mortgage Lending & HMDA Data, 2024
In 2024, Washington Federal of Seattle, WA reported 3,817 mortgage applications totaling $2.1 billion, down 17% from 2023. The average application was for $546,063, and applicants reported an average income of $243,990. 43% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (406), Phoenix-Mesa-Scottsdale, AZ (215) and Tucson, AZ (188) (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 | 3,817 |
| Total Mortgage Loan Application Amount | $2,084,325,000 |
| Average Mortgage Loan Application Amount | $546,063 |
| Highest Mortgage Loan Application Amount | $19,205,000 |
| Average Applicant Income | $243,990 |
| Highest Applicant Income | $8,059,000 |
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Act (HMDA) records Washington Federal filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 847 | $ 333,415,000 | $ 393,642 | $ 189,015 |
| Seattle-Bellevue-Everett, WA | 406 | $ 374,130,000 | $ 921,502 | $ 388,000 |
| Phoenix-Mesa-Scottsdale, AZ | 215 | $ 108,875,000 | $ 506,395 | $ 245,000 |
| Tucson, AZ | 188 | $ 49,820,000 | $ 265,000 | $ 157,000 |
| Everett, WA | 176 | $ 96,100,000 | $ 546,022 | $ 248,000 |
| Boise City, ID | 148 | $ 51,280,000 | $ 346,486 | $ 219,000 |
| Las Vegas-Henderson-Paradise, NV | 143 | $ 91,495,000 | $ 639,825 | $ 333,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 139 | $ 84,365,000 | $ 606,942 | $ 246,741 |
| Bellingham, WA | 115 | $ 49,135,000 | $ 427,260 | $ 209,000 |
| Bend-Redmond, OR | 98 | $ 49,580,000 | $ 505,918 | $ 262,000 |
| Salt Lake City, UT | 94 | $ 68,170,000 | $ 725,212 | $ 305,000 |
| Mount Vernon-Anacortes, WA | 92 | $ 31,340,000 | $ 340,652 | $ 279,000 |
| Tacoma-Lakewood, WA | 76 | $ 36,900,000 | $ 485,526 | $ 236,000 |
| Salem, OR | 75 | $ 27,655,000 | $ 368,733 | $ 151,000 |
| Wenatchee, WA | 72 | $ 36,220,000 | $ 503,055 | $ 296,000 |
| Albuquerque, NM | 63 | $ 40,195,000 | $ 638,015 | $ 201,000 |
| Los Angeles-Long Beach-Glendale, CA | 60 | $ 78,700,000 | $ 1,311,666 | $ 480,000 |
| Spokane-Spokane Valley, WA | 55 | $ 16,795,000 | $ 305,363 | $ 142,000 |
| Yuma, AZ | 52 | $ 8,480,000 | $ 163,076 | $ 110,000 |
| Eugene, OR | 50 | $ 20,130,000 | $ 402,600 | $ 167,000 |
| Bremerton-Silverdale, WA | 49 | $ 31,685,000 | $ 646,632 | $ 213,000 |
| Olympia-Tumwater, WA | 40 | $ 13,540,000 | $ 338,500 | $ 172,000 |
| Oakland-Hayward-Berkeley, CA | 31 | $ 42,215,000 | $ 1,361,774 | $ 282,000 |
| Provo-Orem, UT | 31 | $ 34,185,000 | $ 1,102,741 | $ 334,000 |
| Dallas-Plano-Irving, TX | 30 | $ 16,440,000 | $ 548,000 | $ 468,000 |
| Prescott Valley-Prescott, AZ | 28 | $ 12,920,000 | $ 461,428 | $ 196,000 |
| Sierra Vista-Douglas, AZ | 28 | $ 4,860,000 | $ 173,571 | $ 58,000 |
| Las Cruces, NM | 26 | $ 8,090,000 | $ 311,153 | $ 135,000 |
| Santa Fe, NM | 26 | $ 15,560,000 | $ 598,461 | $ 155,000 |
| Grants Pass, OR | 25 | $ 4,195,000 | $ 167,800 | $ 84,000 |
| Ogden-Clearfield, UT | 25 | $ 14,025,000 | $ 561,000 | $ 373,000 |
| Twin Falls, ID | 21 | $ 3,195,000 | $ 152,142 | $ 153,000 |
| San Diego-Carlsbad, CA | 20 | $ 29,130,000 | $ 1,456,500 | $ 1,354,000 |
| Albany, OR | 19 | $ 6,575,000 | $ 346,052 | $ 131,000 |
| Anaheim-Santa Ana-Irvine, CA | 19 | $ 28,025,000 | $ 1,475,000 | $ 322,000 |
| Idaho Falls, ID | 19 | $ 5,075,000 | $ 267,105 | $ 184,000 |
| Logan, UT-ID | 19 | $ 7,675,000 | $ 403,947 | $ 233,842 |
| Corvallis, OR | 17 | $ 7,355,000 | $ 432,647 | $ 162,000 |
| Medford, OR | 17 | $ 13,705,000 | $ 806,176 | $ 153,000 |
| San Francisco-Redwood City-South San Francisco, CA | 15 | $ 18,755,000 | $ 1,250,333 | $ 313,000 |
| Pocatello, ID | 14 | $ 1,890,000 | $ 135,000 | $ 93,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 22,570,000 | $ 1,880,833 | $ 387,000 |
| Flagstaff, AZ | 11 | $ 10,935,000 | $ 994,090 | $ 385,000 |
| Walla Walla, WA | 10 | $ 1,070,000 | $ 107,000 | $ 52,000 |
| St. George, UT | 9 | $ 11,535,000 | $ 1,281,666 | $ 320,000 |
| Yakima, WA | 9 | $ 5,935,000 | $ 659,444 | $ 731,000 |
| Farmington, NM | 8 | $ 1,260,000 | $ 157,500 | $ 106,000 |
| Kennewick-Richland, WA | 8 | $ 2,970,000 | $ 371,250 | $ 161,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 10,390,000 | $ 1,298,750 | $ 302,000 |
| Reno, NV | 8 | $ 1,390,000 | $ 173,750 | $ 254,000 |
| San Rafael, CA | 6 | $ 6,720,000 | $ 1,120,000 | $ 466,000 |
| Santa Rosa, CA | 6 | $ 3,740,000 | $ 623,333 | $ 167,000 |
| Austin-Round Rock, TX | 5 | $ 4,115,000 | $ 823,000 | $ 329,000 |
| Lewiston, ID-WA | 5 | $ 955,000 | $ 191,000 | $ 77,400 |
| Santa Maria-Santa Barbara, CA | 5 | $ 9,555,000 | $ 1,911,000 | $ 463,000 |
| Longview, WA | 4 | $ 2,010,000 | $ 502,500 | $ 119,000 |
| Coeur D'Alene, ID | 3 | $ 1,425,000 | $ 475,000 | $ 210,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 2,175,000 | $ 725,000 | $ 475,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 1,005,000 | $ 335,000 | $ 102,000 |
| Salinas, CA | 3 | $ 3,865,000 | $ 1,288,333 | $ 588,000 |
| Carson City, NV | 2 | $ 1,130,000 | $ 565,000 | $ 160,000 |
| El Paso, TX | 2 | $ 900,000 | $ 450,000 | $ 252,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 2,690,000 | $ 1,345,000 | $ 342,000 |
| Napa, CA | 1 | $ 1,105,000 | $ 1,105,000 | $ 223,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 3,005,000 | $ 3,005,000 | $ 1,475,000 |
Mortgage Loan Application Detail Totals for Washington Federal in 2024
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 | 2,034 | $1,549,690,000 | $761,000 | $10,625,000 | $273,000 | $8,059,000 |
| Home Improvement | 764 | $170,270,000 | $222,000 | $19,205,000 | $169,000 | $3,600,000 |
| Other Purpose | 514 | $95,660,000 | $186,000 | $5,005,000 | $215,000 | $6,000,000 |
| Cash-out Refinancing | 341 | $140,625,000 | $412,000 | $3,605,000 | $193,000 | $1,698,000 |
| Not Applicable | 92 | $102,030,000 | $1,109,000 | $1,925,000 | $430,000 | $1,564,000 |
| Refinancing | 72 | $26,050,000 | $361,000 | $3,205,000 | $431,000 | $6,768,000 |
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 | 2,147 | $1,075,785,000 | $501,000 | $4,635,000 | $237,000 | $8,059,000 |
| Not Provided | 529 | $270,375,000 | $511,000 | $5,005,000 | $247,000 | $6,788,000 |
| Not applicable | 436 | $407,180,000 | $933,000 | $19,205,000 | $430,000 | $1,564,000 |
| Hispanic | 414 | $118,310,000 | $285,000 | $5,005,000 | $181,000 | $6,000,000 |
| Asian | 196 | $164,190,000 | $837,000 | $10,625,000 | $310,000 | $2,107,000 |
| Black or African American | 55 | $29,695,000 | $539,000 | $3,325,000 | $445,000 | $5,425,000 |
| American Indian or Alaskan Native | 31 | $14,315,000 | $461,000 | $1,955,000 | $260,000 | $1,283,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $4,475,000 | $497,000 | $945,000 | $173,000 | $291,000 |
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) | 3,817 | $2,084,325,000 | $546,000 | $19,205,000 | $245,000 | $8,059,000 |
| 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 | 1,641 | $874,995,000 | $533,000 | $19,205,000 | $233,000 | $8,059,000 |
| Application Withdrawn By Applicant | 821 | $459,125,000 | $559,000 | $10,625,000 | $258,000 | $6,768,000 |
| Application Denied By Financial Institution | 703 | $319,985,000 | $455,000 | $5,005,000 | $136,000 | $1,551,000 |
| File Closed For Incompleteness | 493 | $289,415,000 | $587,000 | $5,005,000 | $371,000 | $6,000,000 |
| Loan Purchased By The Institution | 92 | $102,030,000 | $1,109,000 | $1,925,000 | $430,000 | $1,564,000 |
| Preapproval Denied by Financial Institution | 34 | $17,240,000 | $507,000 | $1,645,000 | $113,000 | $431,000 |
| Application Approved But Not Accepted | 26 | $18,230,000 | $701,000 | $3,005,000 | $327,000 | $1,406,000 |
| Preapproval Approved but not Accepted | 7 | $3,305,000 | $472,000 | $855,000 | $115,000 | $250,000 |
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 | 3,080 | $1,747,100,000 | $567,000 | $19,205,000 | $271,000 | $8,059,000 |
| Debt-To-Income Ratio | 534 | $261,590,000 | $489,000 | $3,905,000 | $125,000 | $1,551,000 |
| Other | 85 | $39,595,000 | $465,000 | $5,005,000 | $181,000 | $615,000 |
| Collateral | 53 | $19,325,000 | $364,000 | $1,305,000 | $194,000 | $762,000 |
| Credit History | 47 | $7,975,000 | $169,000 | $835,000 | $106,000 | $748,000 |
| Unverifiable Information | 13 | $7,495,000 | $576,000 | $2,005,000 | $104,000 | $400,000 |
| Employment History | 5 | $1,245,000 | $249,000 | $605,000 | $75,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Federal's 2024 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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