Wheatland Bank Mortgage Lending & HMDA Data, 2021
In 2021, Wheatland Bank of Spokane, WA reported 1,232 mortgage applications totaling $331.8 million, down 12% from 2020. The average application was for $269,310, and applicants reported an average income of $94,170. 68% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Spokane-Spokane Valley, WA (762), Wenatchee, WA (130) and Kennewick-Richland, WA (33) (applications in parentheses).
| Mortgage Company & Address | Wheatland Bank 222 N Wall St Suite #100 Spokane, WA 99201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,232 |
| Total Mortgage Loan Application Amount | $331,790,000 |
| Average Mortgage Loan Application Amount | $269,310 |
| Highest Mortgage Loan Application Amount | $5,705,000 |
| Average Applicant Income | $94,170 |
| Highest Applicant Income | $2,160,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wheatland Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Spokane-Spokane Valley, WA | 762 | $ 193,070,000 | $ 253,372 | $ 89,000 |
| Outside any metro area | 206 | $ 53,810,000 | $ 261,213 | $ 96,150 |
| Wenatchee, WA | 130 | $ 41,950,000 | $ 322,692 | $ 78,000 |
| Kennewick-Richland, WA | 33 | $ 8,775,000 | $ 265,909 | $ 153,000 |
| Yakima, WA | 33 | $ 9,855,000 | $ 298,636 | $ 115,000 |
| Coeur D'Alene, ID | 18 | $ 6,500,000 | $ 361,111 | $ 139,000 |
| Seattle-Bellevue-Everett, WA | 15 | $ 5,175,000 | $ 345,000 | $ 149,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 3,185,000 | $ 353,888 | $ 148,000 |
| Tacoma-Lakewood, WA | 4 | $ 1,290,000 | $ 322,500 | $ 174,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,775,000 | $ 591,666 | $ 163,000 |
| Billings, MT | 2 | $ 380,000 | $ 190,000 | $ 55,000 |
| Missoula, MT | 2 | $ 650,000 | $ 325,000 | $ 129,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 420,000 | $ 210,000 | $ 109,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,050,000 | $ 525,000 | $ 133,000 |
| Walla Walla, WA | 2 | $ 550,000 | $ 275,000 | $ 264,000 |
| Bellingham, WA | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Boise City, ID | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Bremerton-Silverdale, WA | 1 | $ 305,000 | $ 305,000 | $ 50,000 |
| Fresno, CA | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 265,000 | $ 265,000 | $ 312,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 755,000 | $ 755,000 | $ 153,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 545,000 | $ 545,000 | $ 88,000 |
| Tucson, AZ | 1 | $ 305,000 | $ 305,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Wheatland Bank in 2021
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 | 793 | $215,535,000 | $271,000 | $5,705,000 | $92,000 | $1,332,000 |
| Refinancing | 217 | $56,525,000 | $260,000 | $3,495,000 | $99,000 | $2,160,000 |
| Cash-out Refinancing | 198 | $53,180,000 | $268,000 | $805,000 | $96,000 | $680,000 |
| Other Purpose | 13 | $3,275,000 | $251,000 | $425,000 | $103,000 | $151,000 |
| Home Improvement | 11 | $3,275,000 | $297,000 | $785,000 | $112,000 | $360,000 |
| 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 | 853 | $218,375,000 | $256,000 | $2,005,000 | $98,000 | $2,160,000 |
| Hispanic | 194 | $47,010,000 | $242,000 | $905,000 | $70,000 | $199,000 |
| Not Provided | 117 | $32,765,000 | $280,000 | $805,000 | $91,000 | $410,000 |
| Black or African American | 17 | $4,205,000 | $247,000 | $425,000 | $138,000 | $440,000 |
| American Indian or Alaskan Native | 16 | $3,830,000 | $239,000 | $545,000 | $127,000 | $276,000 |
| Not applicable | 13 | $18,515,000 | $1,424,000 | $5,705,000 | $0 | $0 |
| Asian | 10 | $4,220,000 | $422,000 | $925,000 | $117,000 | $230,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,025,000 | $205,000 | $365,000 | $66,000 | $90,000 |
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) | 989 | $262,735,000 | $265,000 | $5,705,000 | $98,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 175 | $47,595,000 | $271,000 | $565,000 | $75,000 | $546,000 |
| VA-guaranteed (Veterans Administration) | 65 | $20,775,000 | $319,000 | $805,000 | $86,000 | $319,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $685,000 | $228,000 | $315,000 | $61,000 | $66,000 |
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 | 840 | $228,320,000 | $271,000 | $5,705,000 | $89,000 | $1,147,000 |
| Application Withdrawn By Applicant | 229 | $61,695,000 | $269,000 | $965,000 | $114,000 | $2,160,000 |
| Application Denied By Financial Institution | 117 | $29,655,000 | $253,000 | $2,005,000 | $97,000 | $680,000 |
| Application Approved But Not Accepted | 31 | $8,165,000 | $263,000 | $545,000 | $83,000 | $208,000 |
| File Closed For Incompleteness | 15 | $3,955,000 | $263,000 | $655,000 | $100,000 | $326,000 |
| 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 | 1,115 | $302,135,000 | $270,000 | $5,705,000 | $94,000 | $2,160,000 |
| Credit History | 55 | $13,545,000 | $246,000 | $565,000 | $96,000 | $546,000 |
| Debt-To-Income Ratio | 27 | $5,685,000 | $210,000 | $445,000 | $51,000 | $146,000 |
| Other | 20 | $7,050,000 | $352,000 | $2,005,000 | $179,000 | $680,000 |
| Collateral | 12 | $2,770,000 | $230,000 | $475,000 | $105,000 | $266,000 |
| Employment History | 2 | $370,000 | $185,000 | $355,000 | $71,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $235,000 | $235,000 | $235,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wheatland Bank's 2021 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 Wheatland Bank'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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