Yakima Federal S and L Mortgage Lending & HMDA Data, 2010
In 2010, Yakima Federal S and L of Yakima, WA reported 1,123 mortgage applications totaling $200.1 million, down 16% from 2009. The average application was for $178,139, and applicants reported an average income of $87,874. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Yakima, WA (448), Kennewick-Pasco-Richland, WA (411) and Portland-Vancouver-Hillsboro, OR-WA (49) (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 | 1,123 |
| Total Mortgage Loan Application Amount | $200,051,000 |
| Average Mortgage Loan Application Amount | $178,139 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $87,874 |
| Highest Applicant Income | $860,000 |
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(HMDA) records Yakima Federal S and L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 448 | $ 63,958,000 | $ 142,763 | $ 76,000 |
| Kennewick-Pasco-Richland, WA | 411 | $ 75,339,000 | $ 183,306 | $ 82,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 49 | $ 20,447,000 | $ 417,285 | $ 247,000 |
| Bend, OR | 2 | $ 806,000 | $ 403,000 | $ 401,000 |
Mortgage Loan Application Detail Totals for Yakima Federal S and L in 2010
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 | 600 | $123,607,000 | $206,000 | $720,000 | $82,000 | $860,000 |
| Refinancing | 378 | $63,428,000 | $167,000 | $955,000 | $96,000 | $642,000 |
| Home Improvement | 145 | $13,016,000 | $89,000 | $357,000 | $91,000 | $542,000 |
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 | 819 | $152,867,000 | $186,000 | $935,000 | $107,000 | $860,000 |
| Not applicable | 144 | $25,479,000 | $176,000 | $955,000 | $0 | $0 |
| Hispanic | 134 | $15,699,000 | $117,000 | $500,000 | $55,000 | $375,000 |
| Asian | 14 | $4,227,000 | $301,000 | $680,000 | $206,000 | $843,000 |
| American Indian or Alaskan Native | 7 | $1,386,000 | $198,000 | $327,000 | $94,000 | $157,000 |
| Black or African American | 3 | $242,000 | $80,000 | $112,000 | $44,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $151,000 | $75,000 | $111,000 | $60,000 | $66,000 |
| 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) | 1,116 | $199,422,000 | $178,000 | $955,000 | $88,000 | $860,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $629,000 | $89,000 | $199,000 | $39,000 | $63,000 |
| 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 | 853 | $152,533,000 | $178,000 | $955,000 | $90,000 | $843,000 |
| Preapproval Approved but not Accepted | 94 | $22,198,000 | $236,000 | $720,000 | $90,000 | $410,000 |
| Application Denied By Financial Institution | 91 | $12,430,000 | $136,000 | $458,000 | $62,000 | $249,000 |
| Application Withdrawn By Applicant | 34 | $5,928,000 | $174,000 | $500,000 | $110,000 | $860,000 |
| Preapproval Denied by Financial Institution | 32 | $4,683,000 | $146,000 | $417,000 | $63,000 | $330,000 |
| Application Approved But Not Accepted | 18 | $2,228,000 | $123,000 | $328,000 | $96,000 | $352,000 |
| File Closed For Incompleteness | 1 | $51,000 | $51,000 | $51,000 | $30,000 | $30,000 |
| 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 | 49 | $5,900,000 | $120,000 | $417,000 | $59,000 | $330,000 |
| Debt-To-Income Ratio | 27 | $3,749,000 | $138,000 | $450,000 | $50,000 | $121,000 |
| Mortgage Insurance Denied | 19 | $2,754,000 | $144,000 | $281,000 | $60,000 | $131,000 |
| Collateral | 15 | $2,296,000 | $153,000 | $364,000 | $82,000 | $249,000 |
| Other | 10 | $2,052,000 | $205,000 | $458,000 | $85,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $278,000 | $139,000 | $142,000 | $75,000 | $100,000 |
| Credit Application Incomplete | 1 | $84,000 | $84,000 | $84,000 | $58,000 | $58,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal S and L's 2010 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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