Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2013
In 2013, Yakima Federal Savings & Loan of Yakima, WA reported 839 mortgage applications totaling $159.4 million. The average application was for $189,957, and applicants reported an average income of $85,831. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Yakima, WA (347), Kennewick-Pasco-Richland, WA (305) and Portland-Vancouver-Hillsboro, OR-WA (56) (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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 839 |
| Total Mortgage Loan Application Amount | $159,374,000 |
| Average Mortgage Loan Application Amount | $189,957 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $85,831 |
| Highest Applicant Income | $2,117,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 347 | $ 50,914,000 | $ 146,726 | $ 77,000 |
| Benton, Washington | 241 | $ 52,989,000 | $ 219,871 | $ 82,000 |
| Franklin, Washington | 64 | $ 11,411,000 | $ 178,296 | $ 80,000 |
| Kittitas, Washington | 47 | $ 8,265,000 | $ 175,851 | $ 88,000 |
| Clackamas, Oregon | 23 | $ 7,688,000 | $ 334,260 | $ 136,000 |
| Multnomah, Oregon | 21 | $ 8,375,000 | $ 398,809 | $ 223,000 |
| Washington, Oregon | 12 | $ 3,703,000 | $ 308,583 | $ 154,000 |
| Walla Walla, Washington | 6 | $ 999,000 | $ 166,500 | $ 95,000 |
| Marion, Oregon | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Tillamook, Oregon | 1 | $ 471,000 | $ 471,000 | $ 398,000 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2013
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 | 457 | $100,289,000 | $219,000 | $1,000,000 | $85,000 | $487,000 |
| Refinancing | 270 | $43,857,000 | $162,000 | $590,000 | $88,000 | $2,117,000 |
| Home Improvement | 112 | $15,228,000 | $135,000 | $500,000 | $84,000 | $279,000 |
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 | 592 | $119,910,000 | $202,000 | $1,000,000 | $105,000 | $2,117,000 |
| Hispanic | 121 | $16,945,000 | $140,000 | $500,000 | $63,000 | $276,000 |
| Not applicable | 105 | $18,549,000 | $176,000 | $441,000 | $0 | $0 |
| Asian | 13 | $2,682,000 | $206,000 | $550,000 | $120,000 | $428,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $791,000 | $197,000 | $280,000 | $103,000 | $208,000 |
| Black or African American | 2 | $238,000 | $119,000 | $130,000 | $120,000 | $159,000 |
| American Indian or Alaskan Native | 2 | $259,000 | $129,000 | $138,000 | $66,000 | $100,000 |
| 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) | 832 | $158,441,000 | $190,000 | $1,000,000 | $86,000 | $2,117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $933,000 | $133,000 | $155,000 | $39,000 | $56,000 |
| 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 | 671 | $130,062,000 | $193,000 | $1,000,000 | $90,000 | $2,117,000 |
| Preapproval Approved but not Accepted | 56 | $10,444,000 | $186,000 | $435,000 | $73,000 | $203,000 |
| Application Denied By Financial Institution | 52 | $7,747,000 | $148,000 | $495,000 | $60,000 | $191,000 |
| Application Withdrawn By Applicant | 30 | $5,058,000 | $168,000 | $938,000 | $77,000 | $318,000 |
| Preapproval Denied by Financial Institution | 20 | $3,980,000 | $199,000 | $500,000 | $80,000 | $203,000 |
| Application Approved But Not Accepted | 8 | $1,717,000 | $214,000 | $425,000 | $96,000 | $231,000 |
| File Closed For Incompleteness | 2 | $366,000 | $183,000 | $270,000 | $73,000 | $98,000 |
| 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 | 48 | $7,326,000 | $152,000 | $500,000 | $67,000 | $203,000 |
| Debt-To-Income Ratio | 10 | $2,034,000 | $203,000 | $495,000 | $50,000 | $79,000 |
| Mortgage Insurance Denied | 6 | $814,000 | $135,000 | $238,000 | $56,000 | $78,000 |
| Collateral | 4 | $973,000 | $243,000 | $342,000 | $114,000 | $191,000 |
| Other | 2 | $303,000 | $151,000 | $220,000 | $63,000 | $98,000 |
| Unverifiable Information | 1 | $177,000 | $177,000 | $177,000 | $0 | $0 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $61,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2013 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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