Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2011
In 2011, Yakima Federal Savings & Loan of Yakima, WA reported 853 mortgage applications totaling $161.2 million. The average application was for $188,961, and applicants reported an average income of $92,677. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Yakima, WA (361), Kennewick-Pasco-Richland, WA (287) and Portland-Vancouver-Hillsboro, OR-WA (37) (applications in parentheses).
| Mortgage Company & Address | Yakima Federal Savings & Loan 118 E. Yakima Ave. Yakima, WA 98901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 853 |
| Total Mortgage Loan Application Amount | $161,184,000 |
| Average Mortgage Loan Application Amount | $188,961 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $92,677 |
| Highest Applicant Income | $1,097,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Yakima, Washington | 361 | $ 53,212,000 | $ 147,401 | $ 75,000 |
| Benton, Washington | 210 | $ 45,769,000 | $ 217,947 | $ 91,000 |
| Franklin, Washington | 77 | $ 13,337,000 | $ 173,207 | $ 82,000 |
| Kittitas, Washington | 74 | $ 12,430,000 | $ 167,972 | $ 70,000 |
| Multnomah, Oregon | 18 | $ 8,491,000 | $ 471,722 | $ 356,000 |
| Clackamas, Oregon | 10 | $ 3,931,000 | $ 393,100 | $ 210,000 |
| Washington, Oregon | 7 | $ 2,904,000 | $ 414,857 | $ 377,000 |
| Walla Walla, Washington | 2 | $ 493,000 | $ 246,500 | $ 129,000 |
| Clatsop, Oregon | 1 | $ 492,000 | $ 492,000 | $ 493,000 |
| Columbia, Oregon | 1 | $ 851,000 | $ 851,000 | $ 1,097,000 |
| Deschutes, Oregon | 1 | $ 463,000 | $ 463,000 | $ 234,000 |
| Yamhill, Oregon | 1 | $ 159,000 | $ 159,000 | $ 266,000 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2011
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 | 456 | $98,342,000 | $215,000 | $995,000 | $83,000 | $858,000 |
| Refinancing | 285 | $50,876,000 | $178,000 | $1,000,000 | $110,000 | $1,097,000 |
| Home Improvement | 112 | $11,966,000 | $106,000 | $500,000 | $88,000 | $339,000 |
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 | 620 | $120,136,000 | $193,000 | $1,000,000 | $113,000 | $1,097,000 |
| Not applicable | 119 | $23,294,000 | $195,000 | $995,000 | $0 | $0 |
| Hispanic | 94 | $12,117,000 | $128,000 | $500,000 | $65,000 | $381,000 |
| Asian | 9 | $2,650,000 | $294,000 | $699,000 | $217,000 | $468,000 |
| Black or African American | 6 | $1,673,000 | $278,000 | $500,000 | $103,000 | $168,000 |
| American Indian or Alaskan Native | 5 | $1,314,000 | $262,000 | $376,000 | $113,000 | $264,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 848 | $160,500,000 | $189,000 | $1,000,000 | $93,000 | $1,097,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $684,000 | $136,000 | $176,000 | $53,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 635 | $120,775,000 | $190,000 | $1,000,000 | $94,000 | $1,097,000 |
| Application Denied By Financial Institution | 78 | $12,406,000 | $159,000 | $500,000 | $85,000 | $293,000 |
| Preapproval Approved but not Accepted | 65 | $14,909,000 | $229,000 | $500,000 | $100,000 | $465,000 |
| Application Withdrawn By Applicant | 32 | $6,272,000 | $196,000 | $851,000 | $113,000 | $1,097,000 |
| Preapproval Denied by Financial Institution | 25 | $3,743,000 | $149,000 | $500,000 | $61,000 | $208,000 |
| Application Approved But Not Accepted | 14 | $2,290,000 | $163,000 | $420,000 | $81,000 | $324,000 |
| File Closed For Incompleteness | 4 | $789,000 | $197,000 | $260,000 | $12,000 | $49,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 33 | $4,357,000 | $132,000 | $500,000 | $59,000 | $208,000 |
| Collateral | 25 | $3,634,000 | $145,000 | $364,000 | $127,000 | $293,000 |
| Debt-To-Income Ratio | 21 | $2,826,000 | $134,000 | $354,000 | $48,000 | $143,000 |
| Other | 10 | $2,481,000 | $248,000 | $479,000 | $84,000 | $284,000 |
| Mortgage Insurance Denied | 8 | $1,277,000 | $159,000 | $270,000 | $71,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $422,000 | $211,000 | $328,000 | $74,000 | $98,000 |
| Credit Application Incomplete | 2 | $742,000 | $371,000 | $500,000 | $170,000 | $203,000 |
| Employment History | 1 | $230,000 | $230,000 | $230,000 | $82,000 | $82,000 |
| Unverifiable Information | 1 | $180,000 | $180,000 | $180,000 | $48,000 | $48,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2011 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 Yakima Federal Savings & Loan'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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