Washington Mutual Bank, FSB Mortgage Lending & HMDA Data, 2006
In 2006, Washington Mutual Bank, FSB of Albion, NY reported 839 mortgage applications totaling $341.5 million, down 72% from 2005. The average application was for $407,070, and applicants reported an average income of $51,325. 61% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Salt Lake City, UT (183), Ogden-Clearfield, UT (95) and Boise City-Nampa, ID (90) (applications in parentheses).
| Mortgage Company & Address | Washington Mutual Bank, FSB 227 East Avenue Albion, NY 14411 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 839 |
| Total Mortgage Loan Application Amount | $341,532,000 |
| Average Mortgage Loan Application Amount | $407,070 |
| Highest Mortgage Loan Application Amount | $29,700,000 |
| Average Applicant Income | $51,325 |
| Highest Applicant Income | $720,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Washington Mutual Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Salt Lake, Utah | 162 | $ 17,716,000 | $ 109,358 | $ 47,000 |
| Ada, Idaho | 61 | $ 6,334,000 | $ 103,836 | $ 83,000 |
| Los Angeles, California | 53 | $ 65,093,000 | $ 1,228,169 | $ 0 |
| Davis, Utah | 47 | $ 5,916,000 | $ 125,872 | $ 47,000 |
| Weber, Utah | 47 | $ 4,208,000 | $ 89,531 | $ 109,000 |
| Utah, Utah | 40 | $ 4,688,000 | $ 117,200 | $ 34,000 |
| Canyon, Idaho | 22 | $ 1,746,000 | $ 79,363 | $ 68,000 |
| Yellowstone, Montana | 21 | $ 2,480,000 | $ 118,095 | $ 45,000 |
| Box Elder, Utah | 19 | $ 2,039,000 | $ 107,315 | $ 51,000 |
| Gallatin, Montana | 17 | $ 2,736,000 | $ 160,941 | $ 46,000 |
| Washington, Utah | 16 | $ 2,248,000 | $ 140,500 | $ 51,000 |
| Lewis and Clark, Montana | 15 | $ 1,544,000 | $ 102,933 | $ 34,000 |
| Cache, Utah | 15 | $ 1,365,000 | $ 91,000 | $ 49,000 |
| Tooele, Utah | 15 | $ 1,639,000 | $ 109,266 | $ 20,000 |
| New York, New York | 13 | $ 48,482,000 | $ 3,729,384 | $ 0 |
| Missoula, Montana | 12 | $ 1,680,000 | $ 140,000 | $ 82,000 |
| Flathead, Montana | 11 | $ 3,032,000 | $ 275,636 | $ 68,000 |
| Kootenai, Idaho | 10 | $ 1,761,000 | $ 176,100 | $ 176,000 |
| Bonneville, Idaho | 9 | $ 836,000 | $ 92,888 | $ 52,000 |
| Twin Falls, Idaho | 8 | $ 1,023,000 | $ 127,875 | $ 168,000 |
| Cascade, Montana | 8 | $ 827,000 | $ 103,375 | $ 38,000 |
| Ravalli, Montana | 7 | $ 843,000 | $ 120,428 | $ 21,000 |
| Uintah, Utah | 7 | $ 827,000 | $ 118,142 | $ 49,000 |
| Bannock, Idaho | 6 | $ 541,000 | $ 90,166 | $ 62,000 |
| Latah, Idaho | 6 | $ 438,000 | $ 73,000 | $ 62,000 |
| Lake, Montana | 6 | $ 802,000 | $ 133,666 | $ 78,000 |
| Summit, Utah | 6 | $ 1,499,000 | $ 249,833 | $ 209,000 |
| San Diego, California | 5 | $ 4,389,000 | $ 877,800 | $ 0 |
| Payette, Idaho | 5 | $ 531,000 | $ 106,200 | $ 53,000 |
| Kings, New York | 5 | $ 10,173,000 | $ 2,034,600 | $ 0 |
| San Francisco, California | 4 | $ 6,731,000 | $ 1,682,750 | $ 0 |
| Washington, Idaho | 4 | $ 315,000 | $ 78,750 | $ 26,000 |
| Beaverhead, Montana | 4 | $ 386,000 | $ 96,500 | $ 19,000 |
| Iron, Utah | 4 | $ 218,000 | $ 54,500 | $ 23,000 |
| Wasatch, Utah | 4 | $ 630,000 | $ 157,500 | $ 37,000 |
| Riverside, California | 3 | $ 7,200,000 | $ 2,400,000 | $ 0 |
| Santa Clara, California | 3 | $ 3,210,000 | $ 1,070,000 | $ 0 |
| Bingham, Idaho | 3 | $ 193,000 | $ 64,333 | $ 20,000 |
| Gem, Idaho | 3 | $ 422,000 | $ 140,666 | $ 41,000 |
| Owyhee, Idaho | 3 | $ 191,000 | $ 63,666 | $ 22,000 |
| Dawson, Montana | 3 | $ 197,000 | $ 65,666 | $ 68,000 |
| Jefferson, Montana | 3 | $ 542,000 | $ 180,666 | $ 55,000 |
| Harris, Texas | 3 | $ 19,360,000 | $ 6,453,333 | $ 0 |
| Duchesne, Utah | 3 | $ 295,000 | $ 98,333 | $ 23,000 |
| Grand, Utah | 3 | $ 287,000 | $ 95,666 | $ 12,000 |
| Millard, Utah | 3 | $ 233,000 | $ 77,666 | $ 49,000 |
| Sevier, Utah | 3 | $ 186,000 | $ 62,000 | $ 22,000 |
| Orange, California | 2 | $ 5,740,000 | $ 2,870,000 | $ 0 |
| San Mateo, California | 2 | $ 10,600,000 | $ 5,300,000 | $ 0 |
| Sonoma, California | 2 | $ 1,899,000 | $ 949,500 | $ 0 |
| Broward, Florida | 2 | $ 989,000 | $ 494,500 | $ 0 |
| Cassia, Idaho | 2 | $ 195,000 | $ 97,500 | $ 37,000 |
| Jefferson, Idaho | 2 | $ 182,000 | $ 91,000 | $ 62,000 |
| Jerome, Idaho | 2 | $ 294,000 | $ 147,000 | $ 134,000 |
| Minidoka, Idaho | 2 | $ 114,000 | $ 57,000 | $ 46,000 |
| Fallon, Montana | 2 | $ 178,000 | $ 89,000 | $ 34,000 |
| Glacier, Montana | 2 | $ 217,000 | $ 108,500 | $ 49,000 |
| Madison, Montana | 2 | $ 465,000 | $ 232,500 | $ 123,000 |
| Richland, Montana | 2 | $ 237,000 | $ 118,500 | $ 61,000 |
| Sanders, Montana | 2 | $ 211,000 | $ 105,500 | $ 25,000 |
| Teton, Montana | 2 | $ 199,000 | $ 99,500 | $ 52,000 |
| Dallas, Texas | 2 | $ 7,650,000 | $ 3,825,000 | $ 0 |
| Carbon, Utah | 2 | $ 181,000 | $ 90,500 | $ 26,000 |
| Juab, Utah | 2 | $ 291,000 | $ 145,500 | $ 285,000 |
| King, Washington | 2 | $ 4,888,000 | $ 2,444,000 | $ 0 |
| Alameda, California | 1 | $ 1,150,000 | $ 1,150,000 | $ 0 |
| Contra Costa, California | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Placer, California | 1 | $ 2,270,000 | $ 2,270,000 | $ 0 |
| Sacramento, California | 1 | $ 380,000 | $ 380,000 | $ 0 |
| San Bernardino, California | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Boise, Idaho | 1 | $ 8,000 | $ 8,000 | $ 35,000 |
| Bonner, Idaho | 1 | $ 117,000 | $ 117,000 | $ 25,000 |
| Clark, Idaho | 1 | $ 73,000 | $ 73,000 | $ 68,000 |
| Elmore, Idaho | 1 | $ 93,000 | $ 93,000 | $ 61,000 |
| Franklin, Idaho | 1 | $ 168,000 | $ 168,000 | $ 44,000 |
| Gooding, Idaho | 1 | $ 93,000 | $ 93,000 | $ 58,000 |
| Idaho, Idaho | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Lincoln, Idaho | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Nez Perce, Idaho | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Oneida, Idaho | 1 | $ 71,000 | $ 71,000 | $ 63,000 |
| Teton, Idaho | 1 | $ 229,000 | $ 229,000 | $ 75,000 |
| Cook, Illinois | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 660,000 | $ 660,000 | $ 0 |
| Washington, Minnesota | 1 | $ 29,700,000 | $ 29,700,000 | $ 0 |
| Big Horn, Montana | 1 | $ 70,000 | $ 70,000 | $ 83,000 |
| Broadwater, Montana | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Carbon, Montana | 1 | $ 216,000 | $ 216,000 | $ 75,000 |
| Granite, Montana | 1 | $ 340,000 | $ 340,000 | $ 73,000 |
| Liberty, Montana | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Lincoln, Montana | 1 | $ 73,000 | $ 73,000 | $ 29,000 |
| Meagher, Montana | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Park, Montana | 1 | $ 60,000 | $ 60,000 | $ 87,000 |
| Pondera, Montana | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Powell, Montana | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Silver Bow, Montana | 1 | $ 54,000 | $ 54,000 | $ 62,000 |
| Stillwater, Montana | 1 | $ 176,000 | $ 176,000 | $ 42,000 |
| Burlington, New Jersey | 1 | $ 2,325,000 | $ 2,325,000 | $ 0 |
| Bronx, New York | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Nassau, New York | 1 | $ 12,750,000 | $ 12,750,000 | $ 0 |
| Suffolk, New York | 1 | $ 679,000 | $ 679,000 | $ 0 |
| Washington, Oregon | 1 | $ 959,000 | $ 959,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Beaver, Utah | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Morgan, Utah | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Sanpete, Utah | 1 | $ 67,000 | $ 67,000 | $ 36,000 |
| Wayne, Utah | 1 | $ 108,000 | $ 108,000 | $ 47,000 |
| Kitsap, Washington | 1 | $ 830,000 | $ 830,000 | $ 0 |
| Pierce, Washington | 1 | $ 1,230,000 | $ 1,230,000 | $ 0 |
| Spokane, Washington | 1 | $ 43,000 | $ 43,000 | $ 97,000 |
| Whatcom, Washington | 1 | $ 956,000 | $ 956,000 | $ 0 |
| Yakima, Washington | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Washington Mutual Bank, FSB in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 588 | $111,939,000 | $190,000 | $13,385,000 | $53,000 | $720,000 |
| Home Purchase | 194 | $227,091,000 | $1,170,000 | $29,700,000 | $39,000 | $332,000 |
| Home Improvement | 57 | $2,502,000 | $43,000 | $210,000 | $76,000 | $312,000 |
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 | 575 | $68,380,000 | $118,000 | $1,238,000 | $60,000 | $720,000 |
| Not applicable | 111 | $244,876,000 | $2,206,000 | $29,700,000 | $0 | $0 |
| Not Provided | 97 | $12,919,000 | $133,000 | $1,238,000 | $59,000 | $345,000 |
| Hispanic | 33 | $5,422,000 | $164,000 | $2,065,000 | $48,000 | $332,000 |
| Asian | 11 | $8,726,000 | $793,000 | $4,400,000 | $58,000 | $131,000 |
| Black or African American | 5 | $592,000 | $118,000 | $261,000 | $119,000 | $330,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $387,000 | $96,000 | $142,000 | $31,000 | $63,000 |
| American Indian or Alaskan Native | 3 | $230,000 | $76,000 | $94,000 | $23,000 | $54,000 |
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) | 832 | $340,829,000 | $409,000 | $29,700,000 | $52,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 5 | $507,000 | $101,000 | $155,000 | $22,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 2 | $196,000 | $98,000 | $145,000 | $22,000 | $44,000 |
| 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 | 512 | $280,639,000 | $548,000 | $29,700,000 | $38,000 | $668,000 |
| Application Denied By Financial Institution | 219 | $30,949,000 | $141,000 | $2,200,000 | $75,000 | $474,000 |
| Application Approved But Not Accepted | 52 | $4,578,000 | $88,000 | $228,000 | $46,000 | $474,000 |
| Preapproval Denied by Financial Institution | 27 | $4,699,000 | $174,000 | $450,000 | $79,000 | $250,000 |
| Application Withdrawn By Applicant | 17 | $19,365,000 | $1,139,000 | $12,750,000 | $57,000 | $177,000 |
| File Closed For Incompleteness | 12 | $1,302,000 | $108,000 | $210,000 | $132,000 | $720,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 55 | $8,790,000 | $159,000 | $1,200,000 | $80,000 | $303,000 |
| Credit History | 54 | $5,638,000 | $104,000 | $417,000 | $75,000 | $330,000 |
| Other | 48 | $8,813,000 | $183,000 | $2,200,000 | $111,000 | $474,000 |
| Debt-To-Income Ratio | 47 | $6,184,000 | $131,000 | $295,000 | $40,000 | $120,000 |
| Collateral | 20 | $2,467,000 | $123,000 | $260,000 | $73,000 | $332,000 |
| Unverifiable Information | 18 | $3,428,000 | $190,000 | $376,000 | $73,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $271,000 | $90,000 | $120,000 | $47,000 | $61,000 |
| Employment History | 1 | $57,000 | $57,000 | $57,000 | $80,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Mutual Bank, FSB's 2006 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 Mutual Bank, FSB'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.
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