Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2020
In 2020, Yakima Federal Savings & Loan of Yakima, WA reported 823 mortgage applications totaling $241.3 million, up 7% from 2019. The average application was for $293,213, and applicants reported an average income of $132,641. 69% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Yakima, WA (360), Kennewick-Richland, WA (205) and Portland-Vancouver-Hillsboro, OR-WA (80) (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 | 823 |
| Total Mortgage Loan Application Amount | $241,315,000 |
| Average Mortgage Loan Application Amount | $293,213 |
| Highest Mortgage Loan Application Amount | $4,055,000 |
| Average Applicant Income | $132,641 |
| Highest Applicant Income | $1,486,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 360 | $ 87,320,000 | $ 242,555 | $ 128,000 |
| Kennewick-Richland, WA | 205 | $ 58,755,000 | $ 286,609 | $ 119,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 80 | $ 45,070,000 | $ 563,375 | $ 249,912 |
| Outside any metro area | 44 | $ 15,880,000 | $ 360,909 | $ 176,000 |
| Walla Walla, WA | 1 | $ 435,000 | $ 435,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2020
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 | 459 | $155,815,000 | $339,000 | $3,915,000 | $135,000 | $1,486,000 |
| Refinancing | 321 | $80,785,000 | $251,000 | $4,055,000 | $129,000 | $1,254,000 |
| Home Improvement | 27 | $2,885,000 | $106,000 | $405,000 | $138,000 | $577,000 |
| Other Purpose | 16 | $1,830,000 | $114,000 | $355,000 | $129,000 | $630,000 |
| 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 | 449 | $124,885,000 | $278,000 | $1,005,000 | $141,000 | $1,399,000 |
| Not Provided | 167 | $52,685,000 | $315,000 | $995,000 | $142,000 | $1,486,000 |
| Hispanic | 118 | $26,300,000 | $222,000 | $605,000 | $84,000 | $630,000 |
| Not applicable | 60 | $28,330,000 | $472,000 | $4,055,000 | $0 | $0 |
| Asian | 15 | $4,405,000 | $293,000 | $1,005,000 | $138,000 | $587,000 |
| Black or African American | 8 | $2,110,000 | $263,000 | $795,000 | $141,000 | $533,000 |
| American Indian or Alaskan Native | 4 | $1,700,000 | $425,000 | $625,000 | $147,000 | $259,000 |
| 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) | 822 | $241,110,000 | $293,000 | $4,055,000 | $133,000 | $1,486,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $205,000 | $205,000 | $205,000 | $45,000 | $45,000 |
| 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 | 570 | $177,760,000 | $311,000 | $4,055,000 | $149,000 | $1,399,000 |
| Preapproval Approved but not Accepted | 102 | $26,990,000 | $264,000 | $605,000 | $82,000 | $435,000 |
| Application Withdrawn By Applicant | 53 | $14,935,000 | $281,000 | $995,000 | $157,000 | $1,486,000 |
| Application Denied By Financial Institution | 46 | $9,410,000 | $204,000 | $535,000 | $80,000 | $360,000 |
| Preapproval Denied by Financial Institution | 30 | $6,430,000 | $214,000 | $405,000 | $58,000 | $142,000 |
| File Closed For Incompleteness | 13 | $2,885,000 | $221,000 | $605,000 | $122,000 | $437,000 |
| Application Approved But Not Accepted | 9 | $2,905,000 | $322,000 | $545,000 | $168,000 | $229,000 |
| 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 | 747 | $225,475,000 | $301,000 | $4,055,000 | $139,000 | $1,486,000 |
| Credit History | 36 | $5,660,000 | $157,000 | $325,000 | $75,000 | $360,000 |
| Debt-To-Income Ratio | 19 | $4,755,000 | $250,000 | $535,000 | $54,000 | $142,000 |
| Collateral | 8 | $1,960,000 | $245,000 | $455,000 | $88,000 | $224,000 |
| Other | 4 | $1,240,000 | $310,000 | $435,000 | $94,000 | $130,000 |
| Employment History | 4 | $950,000 | $237,000 | $385,000 | $60,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $745,000 | $248,000 | $295,000 | $74,000 | $87,000 |
| Mortgage Insurance Denied | 2 | $530,000 | $265,000 | $275,000 | $99,000 | $140,000 |
| Unverifiable Information | 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 2020 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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