Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2012
In 2012, Yakima Federal Savings & Loan of Yakima, WA reported 989 mortgage applications totaling $183.9 million, up 16% from 2011. The average application was for $185,976, and applicants reported an average income of $100,109. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Yakima, WA (437), Kennewick-Pasco-Richland, WA (326) and Portland-Vancouver-Hillsboro, OR-WA (62) (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 | 989 |
| Total Mortgage Loan Application Amount | $183,931,000 |
| Average Mortgage Loan Application Amount | $185,976 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $100,109 |
| Highest Applicant Income | $2,778,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Yakima, WA | 437 | $ 67,647,000 | $ 154,798 | $ 105,000 |
| Kennewick-Pasco-Richland, WA | 326 | $ 62,878,000 | $ 192,877 | $ 79,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 62 | $ 23,653,000 | $ 381,500 | $ 226,000 |
| Bend, OR | 2 | $ 1,093,000 | $ 546,500 | $ 305,000 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2012
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 | 461 | $83,334,000 | $180,000 | $760,000 | $115,000 | $2,778,000 |
| Home Purchase | 411 | $85,531,000 | $208,000 | $698,000 | $86,000 | $1,665,000 |
| Home Improvement | 117 | $15,066,000 | $128,000 | $990,000 | $91,000 | $432,000 |
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 | 769 | $146,574,000 | $190,000 | $990,000 | $118,000 | $2,778,000 |
| Not applicable | 105 | $20,033,000 | $190,000 | $698,000 | $0 | $0 |
| Hispanic | 94 | $12,123,000 | $128,000 | $451,000 | $62,000 | $420,000 |
| Asian | 7 | $2,480,000 | $354,000 | $500,000 | $197,000 | $368,000 |
| Black or African American | 7 | $1,526,000 | $218,000 | $500,000 | $78,000 | $193,000 |
| American Indian or Alaskan Native | 5 | $937,000 | $187,000 | $304,000 | $130,000 | $218,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $258,000 | $129,000 | $132,000 | $66,000 | $86,000 |
| Not Provided | 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) | 980 | $182,654,000 | $186,000 | $990,000 | $101,000 | $2,778,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,277,000 | $141,000 | $150,000 | $40,000 | $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 | 769 | $143,990,000 | $187,000 | $990,000 | $101,000 | $1,665,000 |
| Preapproval Approved but not Accepted | 72 | $15,344,000 | $213,000 | $500,000 | $93,000 | $359,000 |
| Application Denied By Financial Institution | 70 | $11,435,000 | $163,000 | $500,000 | $71,000 | $413,000 |
| Application Withdrawn By Applicant | 30 | $4,988,000 | $166,000 | $440,000 | $150,000 | $2,778,000 |
| Application Approved But Not Accepted | 24 | $4,242,000 | $176,000 | $255,000 | $160,000 | $1,191,000 |
| Preapproval Denied by Financial Institution | 23 | $3,709,000 | $161,000 | $291,000 | $65,000 | $166,000 |
| File Closed For Incompleteness | 1 | $223,000 | $223,000 | $223,000 | $50,000 | $50,000 |
| 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 | 26 | $3,805,000 | $146,000 | $399,000 | $74,000 | $166,000 |
| Debt-To-Income Ratio | 20 | $2,981,000 | $149,000 | $500,000 | $42,000 | $102,000 |
| Collateral | 17 | $3,336,000 | $196,000 | $436,000 | $117,000 | $413,000 |
| Mortgage Insurance Denied | 11 | $2,023,000 | $183,000 | $391,000 | $66,000 | $136,000 |
| Other | 8 | $969,000 | $121,000 | $198,000 | $37,000 | $101,000 |
| Employment History | 5 | $846,000 | $169,000 | $205,000 | $62,000 | $128,000 |
| Unverifiable Information | 4 | $790,000 | $197,000 | $240,000 | $79,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $394,000 | $197,000 | $248,000 | $52,000 | $67,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2012 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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