Washington Mutual Bank, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Washington Mutual Bank, Fsb 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 3,016 |
| Total Mortgage Loan Application Amount | $704,142,000 |
| Average Mortgage Loan Application Amount | $632,546 |
| Highest Mortgage Loan Application Amount | $18,850,000 |
| Average Applicant Income | $17,812 |
| Highest Applicant Income | $3,994,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Washington Mutual Bank, Fsb. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Washington Mutual Bank, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Washington Mutual Bank, Fsb's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Washington Mutual Bank, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Washington Mutual Bank, Fsb, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Washington Mutual Bank, Fsb's mortgage activity for 2005.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| SALT LAKE CITY, UT | 871 | $ 143,335,000 | $ 164,000 | $ 89,000 |
| BOISE CITY-NAMPA, ID | 272 | $ 31,383,000 | $ 115,000 | $ 58,000 |
| OGDEN-CLEARFIELD, UT | 238 | $ 32,635,000 | $ 137,000 | $ 61,000 |
| PROVO-OREM, UT | 231 | $ 33,049,000 | $ 143,000 | $ 69,000 |
| ST. GEORGE, UT | 112 | $ 15,451,000 | $ 137,000 | $ 63,000 |
| LOGAN, UT-ID | 67 | $ 7,998,000 | $ 119,000 | $ 47,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 59 | $ 46,317,000 | $ 785,000 | $ 23,000 |
| IDAHO FALLS, ID | 57 | $ 5,220,000 | $ 91,000 | $ 54,000 |
| BILLINGS, MT | 40 | $ 4,561,000 | $ 114,000 | $ 39,000 |
| COEUR D'ALENE, ID | 39 | $ 5,025,000 | $ 128,000 | $ 80,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 34 | $ 89,497,000 | $ 2,632,000 | $ 0 |
| MISSOULA, MT | 31 | $ 5,223,000 | $ 168,000 | $ 291,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 23 | $ 7,679,000 | $ 333,000 | $ 0 |
| GREAT FALLS, MT | 22 | $ 2,094,000 | $ 95,000 | $ 29,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 13 | $ 17,915,000 | $ 1,378,000 | $ 0 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 11 | $ 27,024,000 | $ 2,456,000 | $ 0 |
| SEATTLE-BELLEVUE-EVERETT, WA | 11 | $ 2,730,000 | $ 248,000 | $ 86,000 |
| DENVER-AURORA, CO | 9 | $ 3,052,000 | $ 339,000 | $ 0 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 9 | $ 2,009,000 | $ 223,000 | $ 0 |
| POCATELLO, ID | 9 | $ 703,000 | $ 78,000 | $ 28,000 |
| DALLAS-PLANO-IRVING, TX | 8 | $ 9,183,000 | $ 1,147,000 | $ 0 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 8 | $ 2,032,000 | $ 254,000 | $ 0 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 8 | $ 2,608,000 | $ 326,000 | $ 13,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 8 | $ 9,962,000 | $ 1,245,000 | $ 0 |
| OAKLAND-FREMONT-HAYWARD, CA | 7 | $ 2,309,000 | $ 329,000 | $ 0 |
| AUSTIN-ROUND ROCK, TX | 6 | $ 5,150,000 | $ 858,000 | $ 0 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 6 | $ 1,499,000 | $ 249,000 | $ 0 |
| LEWISTON, ID-WA | 6 | $ 448,000 | $ 74,000 | $ 14,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 6 | $ 1,277,000 | $ 212,000 | $ 0 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 6 | $ 2,958,000 | $ 493,000 | $ 0 |
| PHILADELPHIA, PA | 5 | $ 1,162,000 | $ 232,000 | $ 0 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 5 | $ 3,627,000 | $ 725,000 | $ 24,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 5 | $ 3,418,000 | $ 683,000 | $ 0 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 4 | $ 868,000 | $ 217,000 | $ 0 |
| DETROIT-LIVONIA-DEARBORN, MI | 4 | $ 808,000 | $ 202,000 | $ 0 |
| NEWARK-UNION, NJ-PA | 4 | $ 1,570,000 | $ 392,000 | $ 0 |
| RENO-SPARKS, NV | 4 | $ 910,000 | $ 227,000 | $ 0 |
| BALTIMORE-TOWSON, MD | 3 | $ 671,000 | $ 223,000 | $ 0 |
| BOSTON-QUINCY, MA | 3 | $ 19,226,000 | $ 6,408,000 | $ 0 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 3 | $ 596,000 | $ 198,000 | $ 0 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 3 | $ 717,000 | $ 239,000 | $ 0 |
| MODESTO, CA | 3 | $ 794,000 | $ 264,000 | $ 0 |
| NEW HAVEN-MILFORD, CT | 3 | $ 786,000 | $ 262,000 | $ 0 |
| STOCKTON, CA | 3 | $ 4,605,000 | $ 1,535,000 | $ 46,000 |
| TACOMA, WA | 3 | $ 402,000 | $ 134,000 | $ 392,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 2 | $ 322,000 | $ 161,000 | $ 0 |
| CAMDEN, NJ | 2 | $ 404,000 | $ 202,000 | $ 0 |
| CLEVELAND-ELYRIA-MENTOR, OH | 2 | $ 302,000 | $ 151,000 | $ 0 |
| COLUMBUS, OH | 2 | $ 949,000 | $ 474,000 | $ 0 |
| CORPUS CHRISTI, TX | 2 | $ 12,781,000 | $ 6,390,000 | $ 0 |
| EDISON, NJ | 2 | $ 534,000 | $ 267,000 | $ 0 |
| FRESNO, CA | 2 | $ 951,000 | $ 475,000 | $ 0 |
| OLYMPIA, WA | 2 | $ 431,000 | $ 215,000 | $ 60,000 |
| SALEM, OR | 2 | $ 950,000 | $ 475,000 | $ 0 |
| SALINAS, CA | 2 | $ 1,460,000 | $ 730,000 | $ 0 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 2 | $ 3,803,000 | $ 1,901,000 | $ 0 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 2 | $ 464,000 | $ 232,000 | $ 0 |
| ALBUQUERQUE, NM | 1 | $ 274,000 | $ 274,000 | $ 0 |
| ANN ARBOR, MI | 1 | $ 252,000 | $ 252,000 | $ 0 |
| BAKERSFIELD, CA | 1 | $ 440,000 | $ 440,000 | $ 0 |
| BARNSTABLE TOWN, MA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 1 | $ 265,000 | $ 265,000 | $ 0 |
| BOULDER, CO | 1 | $ 131,000 | $ 131,000 | $ 0 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 1 | $ 244,000 | $ 244,000 | $ 0 |
| CORVALLIS, OR | 1 | $ 2,663,000 | $ 2,663,000 | $ 0 |
| DAYTON, OH | 1 | $ 143,000 | $ 143,000 | $ 0 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 160,000 | $ 160,000 | $ 0 |
| FORT COLLINS-LOVELAND, CO | 1 | $ 209,000 | $ 209,000 | $ 0 |
| FORT WORTH-ARLINGTON, TX | 1 | $ 130,000 | $ 130,000 | $ 0 |
| GRAND RAPIDS-WYOMING, MI | 1 | $ 200,000 | $ 200,000 | $ 0 |
| GREEN BAY, WI | 1 | $ 129,000 | $ 129,000 | $ 0 |
| INDIANAPOLIS, IN | 1 | $ 217,000 | $ 217,000 | $ 0 |
| KALAMAZOO-PORTAGE, MI | 1 | $ 146,000 | $ 146,000 | $ 0 |
| KENNEWICK-RICHLAND-PASCO, WA | 1 | $ 227,000 | $ 227,000 | $ 83,000 |
| LAS VEGAS-PARADISE, NV | 1 | $ 165,000 | $ 165,000 | $ 0 |
| LEXINGTON-FAYETTE, KY | 1 | $ 334,000 | $ 334,000 | $ 0 |
| MERCED, CA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 1 | $ 180,000 | $ 180,000 | $ 0 |
| NORWICH-NEW LONDON, CT | 1 | $ 137,000 | $ 137,000 | $ 0 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 1 | $ 236,000 | $ 236,000 | $ 0 |
| ROANOKE, VA | 1 | $ 167,000 | $ 167,000 | $ 0 |
| SALISBURY, MD | 1 | $ 10,395,000 | $ 10,395,000 | $ 0 |
| SAN ANTONIO, TX | 1 | $ 202,000 | $ 202,000 | $ 0 |
| SANTA ROSA-PETALUMA, CA | 1 | $ 229,000 | $ 229,000 | $ 0 |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $ 135,000 | $ 135,000 | $ 0 |
| SPRINGFIELD, OH | 1 | $ 132,000 | $ 132,000 | $ 0 |
| TRENTON-EWING, NJ | 1 | $ 140,000 | $ 140,000 | $ 0 |
| TUCSON, AZ | 1 | $ 165,000 | $ 165,000 | $ 0 |
| TYLER, TX | 1 | $ 151,000 | $ 151,000 | $ 0 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| WARREN-FARMINGTON HILLS-TROY, MI | 1 | $ 192,000 | $ 192,000 | $ 0 |
| WORCESTER, MA | 1 | $ 268,000 | $ 268,000 | $ 0 |
Mortgage Loan Application Detail Totals for Washington Mutual Bank, Fsb in 2005
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 | 2,163 | $401,213,000 | $531,629 | $18,850,000 | $13,555 | $1,200,000 |
| Home Purchase | 792 | $277,953,000 | $630,769 | $12,000,000 | $20,269 | $3,994,000 |
| Home Improvement | 61 | $24,976,000 | $884,454 | $8,000,000 | $22,454 | $240,000 |
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 | 2,126 | $303,885,000 | $327,571 | $2,415,000 | $81,714 | $3,994,000 |
| Not Provided | 363 | $80,416,000 | $452,285 | $2,740,000 | $58,714 | $1,200,000 |
| Not applicable | 326 | $287,236,000 | $628,518 | $18,850,000 | $0 | $0 |
| Hispanic | 137 | $19,677,000 | $404,800 | $3,820,000 | $48,200 | $159,000 |
| Asian | 35 | $9,050,000 | $448,166 | $2,415,000 | $32,333 | $394,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,605,000 | $192,000 | $268,000 | $76,750 | $113,000 |
| American Indian or Alaskan Native | 10 | $1,016,000 | $98,000 | $208,000 | $44,333 | $116,000 |
| Black or African American | 9 | $1,257,000 | $130,000 | $270,000 | $76,000 | $263,000 |
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) | 2,976 | $701,447,000 | $509,500 | $18,850,000 | $14,466 | $3,994,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,268,000 | $52,000 | $97,000 | $4,000 | $40,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,427,000 | $89,000 | $175,000 | $21,000 | $128,000 |
| 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 | 1,747 | $484,899,000 | $3,375,500 | $18,850,000 | $16,285 | $2,359,000 |
| Application Denied By Financial Institution | 588 | $86,777,000 | $238,500 | $2,000,000 | $124,333 | $564,000 |
| Application Approved But Not Accepted | 291 | $54,569,000 | $1,186,571 | $4,830,000 | $45,285 | $3,994,000 |
| Loan Purchased By The Institution | 231 | $51,394,000 | $212,384 | $334,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 77 | $13,149,000 | $170,000 | $580,000 | $74,000 | $200,000 |
| Application Withdrawn By Applicant | 64 | $11,407,000 | $545,000 | $2,000,000 | $116,166 | $784,000 |
| File Closed For Incompleteness | 18 | $1,947,000 | $109,333 | $210,000 | $50,333 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 153 | $21,308,000 | $135,000 | $975,000 | $57,400 | $474,000 |
| Unverifiable Information | 150 | $27,875,000 | $293,400 | $1,900,000 | $179,200 | $564,000 |
| Credit History | 145 | $19,051,000 | $205,600 | $800,000 | $53,600 | $216,000 |
| Debt-To-Income Ratio | 91 | $15,981,000 | $198,000 | $2,000,000 | $54,000 | $357,000 |
| Credit Application Incomplete | 80 | $8,950,000 | $123,500 | $528,000 | $99,000 | $480,000 |
| Collateral | 32 | $5,078,000 | $170,000 | $650,000 | $82,333 | $184,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,269,000 | $161,000 | $288,000 | $44,500 | $85,000 |
| Employment History | 5 | $414,000 | $87,750 | $135,000 | $94,250 | $205,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Washington Mutual Bank, Fsb's 2005 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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with aggregated HMDA statistics today.