Yakima Federal S and L Mortgage Lending & HMDA Data, 2005
In 2005, Yakima Federal S and L of Yakima, WA reported 1,213 mortgage applications totaling $166.2 million, up 1% from 2004. The average application was for $137,039, and applicants reported an average income of $87,877. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Yakima, WA (482), Kennewick-Richland-Pasco, WA (370) and Portland-Vancouver-Beaverton, OR-WA (78) (applications in parentheses).
| Mortgage Company & Address | Yakima Federal S and L 118 E Yakima Ave Yakima, WA 98901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,213 |
| Total Mortgage Loan Application Amount | $166,229,000 |
| Average Mortgage Loan Application Amount | $137,039 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $87,877 |
| Highest Applicant Income | $910,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Yakima Federal S and L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 482 | $ 58,185,000 | $ 120,715 | $ 75,000 |
| Benton, Washington | 269 | $ 33,674,000 | $ 125,182 | $ 79,000 |
| Kittitas, Washington | 156 | $ 19,570,000 | $ 125,448 | $ 63,000 |
| Franklin, Washington | 101 | $ 12,458,000 | $ 123,346 | $ 80,000 |
| Multnomah, Oregon | 28 | $ 6,312,000 | $ 225,428 | $ 160,000 |
| Clackamas, Oregon | 26 | $ 8,159,000 | $ 313,807 | $ 153,000 |
| Washington, Oregon | 24 | $ 6,177,000 | $ 257,375 | $ 118,000 |
| Walla Walla, Washington | 5 | $ 808,000 | $ 161,600 | $ 100,000 |
| Tillamook, Oregon | 4 | $ 1,042,000 | $ 260,500 | $ 361,000 |
| Deschutes, Oregon | 3 | $ 1,238,000 | $ 412,666 | $ 246,000 |
| Marion, Oregon | 2 | $ 392,000 | $ 196,000 | $ 81,000 |
| Grant, Washington | 1 | $ 104,000 | $ 104,000 | $ 351,000 |
| Klickitat, Washington | 1 | $ 170,000 | $ 170,000 | $ 57,000 |
| Okanogan, Washington | 1 | $ 99,000 | $ 99,000 | $ 351,000 |
Mortgage Loan Application Detail Totals for Yakima Federal S and L 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 689 | $108,150,000 | $201,000 | $500,000 | $139,000 | $910,000 |
| Refinancing | 315 | $44,768,000 | $184,500 | $500,000 | $106,000 | $395,000 |
| Home Improvement | 209 | $13,311,000 | $164,500 | $328,000 | $145,000 | $736,000 |
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 | 863 | $121,547,000 | $191,333 | $500,000 | $113,333 | $910,000 |
| Not applicable | 170 | $23,911,000 | $140,000 | $270,000 | $211,000 | $874,000 |
| Hispanic | 157 | $17,322,000 | $148,666 | $332,000 | $77,000 | $291,000 |
| Asian | 12 | $2,129,000 | $190,500 | $297,000 | $98,500 | $297,000 |
| American Indian or Alaskan Native | 7 | $933,000 | $219,000 | $340,000 | $91,000 | $135,000 |
| Black or African American | 3 | $271,000 | $90,000 | $170,000 | $101,000 | $152,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $116,000 | $116,000 | $116,000 | $76,000 | $76,000 |
| 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) | 1,185 | $162,925,000 | $184,666 | $500,000 | $112,333 | $910,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,978,000 | $115,000 | $165,000 | $37,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 2 | $326,000 | $163,000 | $170,000 | $64,000 | $72,000 |
| VA-guaranteed (Veterans 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 | 950 | $130,048,000 | $195,500 | $500,000 | $155,000 | $910,000 |
| Preapproval Approved but not Accepted | 96 | $15,936,000 | $146,500 | $450,000 | $58,500 | $200,000 |
| Application Denied By Financial Institution | 83 | $8,663,000 | $104,000 | $309,000 | $54,000 | $291,000 |
| Application Withdrawn By Applicant | 42 | $6,428,000 | $194,666 | $360,000 | $88,000 | $590,000 |
| Preapproval Denied by Financial Institution | 23 | $2,936,000 | $132,000 | $264,000 | $50,500 | $108,000 |
| Application Approved But Not Accepted | 19 | $2,218,000 | $116,000 | $253,000 | $71,000 | $242,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 52 | $5,041,000 | $105,500 | $264,000 | $52,500 | $291,000 |
| Collateral | 25 | $3,517,000 | $94,500 | $270,000 | $54,000 | $167,000 |
| Debt-To-Income Ratio | 21 | $2,361,000 | $117,500 | $309,000 | $38,500 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $126,000 | $41,000 | $59,000 |
| Other | 2 | $53,000 | $26,000 | $38,000 | $55,000 | $62,000 |
| Unverifiable Information | 2 | $262,000 | $131,000 | $225,000 | $72,500 | $102,000 |
| Mortgage Insurance Denied | 1 | $70,000 | $70,000 | $70,000 | $34,000 | $34,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $53,000 | $53,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal S and L'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 Yakima Federal S and L'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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