Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2019
In 2019, Yakima Federal Savings & Loan of Yakima, WA reported 767 mortgage applications totaling $195.5 million, up 19% from 2018. The average application was for $254,908, and applicants reported an average income of $122,318. 70% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Yakima, WA (334), Kennewick-Richland, WA (211) and Portland-Vancouver-Hillsboro, OR-WA (68) (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 | 767 |
| Total Mortgage Loan Application Amount | $195,515,000 |
| Average Mortgage Loan Application Amount | $254,908 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $122,318 |
| Highest Applicant Income | $1,066,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 334 | $ 70,460,000 | $ 210,958 | $ 132,000 |
| Kennewick-Richland, WA | 211 | $ 53,385,000 | $ 253,009 | $ 109,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 68 | $ 34,720,000 | $ 510,588 | $ 190,514 |
| Outside any metro area | 28 | $ 5,330,000 | $ 190,357 | $ 101,000 |
| Salem, OR | 2 | $ 760,000 | $ 380,000 | $ 107,000 |
| Walla Walla, WA | 2 | $ 480,000 | $ 240,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2019
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 | 455 | $134,885,000 | $296,000 | $785,000 | $118,000 | $476,000 |
| Refinancing | 237 | $54,265,000 | $228,000 | $655,000 | $138,000 | $1,066,000 |
| Home Improvement | 46 | $3,350,000 | $72,000 | $215,000 | $92,000 | $300,000 |
| Other Purpose | 29 | $3,015,000 | $103,000 | $755,000 | $110,000 | $417,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 457 | $119,885,000 | $262,000 | $785,000 | $131,000 | $1,066,000 |
| Hispanic | 138 | $24,920,000 | $180,000 | $565,000 | $78,000 | $215,000 |
| Not Provided | 88 | $27,670,000 | $314,000 | $635,000 | $153,000 | $487,000 |
| Not applicable | 54 | $17,130,000 | $317,000 | $605,000 | $0 | $0 |
| Asian | 18 | $3,330,000 | $185,000 | $535,000 | $113,000 | $316,000 |
| American Indian or Alaskan Native | 6 | $1,100,000 | $183,000 | $515,000 | $72,000 | $277,000 |
| Black or African American | 4 | $1,000,000 | $250,000 | $465,000 | $116,000 | $167,000 |
| 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) | 765 | $195,175,000 | $255,000 | $785,000 | $122,000 | $1,066,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $340,000 | $170,000 | $195,000 | $53,000 | $58,000 |
| 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 | 537 | $141,385,000 | $263,000 | $755,000 | $134,000 | $1,066,000 |
| Preapproval Approved but not Accepted | 93 | $24,755,000 | $266,000 | $605,000 | $92,000 | $385,000 |
| Application Denied By Financial Institution | 52 | $9,410,000 | $180,000 | $605,000 | $94,000 | $354,000 |
| Application Withdrawn By Applicant | 41 | $10,245,000 | $249,000 | $625,000 | $125,000 | $325,000 |
| Preapproval Denied by Financial Institution | 29 | $5,625,000 | $193,000 | $385,000 | $67,000 | $185,000 |
| Application Approved But Not Accepted | 11 | $2,875,000 | $261,000 | $785,000 | $133,000 | $476,000 |
| File Closed For Incompleteness | 4 | $1,220,000 | $305,000 | $525,000 | $106,000 | $127,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 686 | $180,480,000 | $263,000 | $785,000 | $127,000 | $1,066,000 |
| Credit History | 49 | $8,705,000 | $177,000 | $605,000 | $94,000 | $354,000 |
| Debt-To-Income Ratio | 15 | $3,205,000 | $213,000 | $595,000 | $57,000 | $105,000 |
| Collateral | 7 | $955,000 | $136,000 | $315,000 | $78,000 | $156,000 |
| Mortgage Insurance Denied | 4 | $750,000 | $187,000 | $255,000 | $106,000 | $198,000 |
| Other | 3 | $565,000 | $188,000 | $345,000 | $57,000 | $79,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $44,000 | $44,000 |
| Employment History | 1 | $285,000 | $285,000 | $285,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $385,000 | $385,000 | $385,000 | $134,000 | $134,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2019 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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