Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2015
In 2015, Yakima Federal Savings & Loan of Yakima, WA reported 804 mortgage applications totaling $176.5 million, up 25% from 2014. The average application was for $219,585, and applicants reported an average income of $94,241. 69% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Kennewick-Richland, WA (291), Yakima, WA (288) and Portland-Vancouver-Hillsboro, OR-WA (61) (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 | 804 |
| Total Mortgage Loan Application Amount | $176,547,000 |
| Average Mortgage Loan Application Amount | $219,585 |
| Highest Mortgage Loan Application Amount | $930,000 |
| Average Applicant Income | $94,241 |
| Highest Applicant Income | $1,038,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kennewick-Richland, WA | 291 | $ 67,131,000 | $ 230,690 | $ 74,000 |
| Yakima, WA | 288 | $ 50,562,000 | $ 175,562 | $ 90,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 61 | $ 26,690,000 | $ 437,540 | $ 240,000 |
| Walla Walla, WA | 2 | $ 490,000 | $ 245,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2015
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 | 577 | $137,914,000 | $239,000 | $930,000 | $90,000 | $736,000 |
| Refinancing | 153 | $28,560,000 | $186,000 | $656,000 | $106,000 | $1,038,000 |
| Home Improvement | 74 | $10,073,000 | $136,000 | $525,000 | $103,000 | $456,000 |
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 | 565 | $129,980,000 | $230,000 | $739,000 | $115,000 | $1,038,000 |
| Not applicable | 109 | $25,626,000 | $235,000 | $930,000 | $0 | $0 |
| Hispanic | 107 | $15,246,000 | $142,000 | $500,000 | $63,000 | $229,000 |
| Asian | 13 | $3,832,000 | $294,000 | $465,000 | $184,000 | $425,000 |
| American Indian or Alaskan Native | 5 | $1,370,000 | $274,000 | $407,000 | $188,000 | $541,000 |
| Black or African American | 4 | $356,000 | $89,000 | $140,000 | $103,000 | $235,000 |
| Not Provided | 1 | $137,000 | $137,000 | $137,000 | $118,000 | $118,000 |
| 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) | 799 | $175,835,000 | $220,000 | $930,000 | $94,000 | $1,038,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $712,000 | $142,000 | $193,000 | $42,000 | $59,000 |
| 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 | 558 | $128,855,000 | $230,000 | $930,000 | $97,000 | $736,000 |
| Preapproval Approved but not Accepted | 86 | $18,393,000 | $213,000 | $500,000 | $80,000 | $372,000 |
| Application Denied By Financial Institution | 69 | $11,069,000 | $160,000 | $400,000 | $73,000 | $325,000 |
| Preapproval Denied by Financial Institution | 41 | $7,530,000 | $183,000 | $500,000 | $76,000 | $282,000 |
| Application Withdrawn By Applicant | 37 | $7,742,000 | $209,000 | $739,000 | $145,000 | $1,038,000 |
| Application Approved But Not Accepted | 12 | $2,679,000 | $223,000 | $467,000 | $72,000 | $220,000 |
| File Closed For Incompleteness | 1 | $279,000 | $279,000 | $279,000 | $95,000 | $95,000 |
| 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 | 55 | $8,712,000 | $158,000 | $500,000 | $77,000 | $299,000 |
| Debt-To-Income Ratio | 25 | $4,484,000 | $179,000 | $400,000 | $45,000 | $91,000 |
| Collateral | 17 | $2,564,000 | $150,000 | $338,000 | $83,000 | $198,000 |
| Mortgage Insurance Denied | 6 | $921,000 | $153,000 | $279,000 | $59,000 | $106,000 |
| Other | 3 | $900,000 | $300,000 | $400,000 | $224,000 | $325,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $835,000 | $278,000 | $395,000 | $97,000 | $113,000 |
| Unverifiable Information | 1 | $183,000 | $183,000 | $183,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2015 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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