Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2022
In 2022, Yakima Federal Savings & Loan of Yakima, WA reported 698 mortgage applications totaling $249.3 million, down 11% from 2021. The average application was for $357,120, and applicants reported an average income of $147,922. 65% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Yakima, WA (285), Kennewick-Richland, WA (193) and Portland-Vancouver-Hillsboro, OR-WA (84) (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 | 698 |
| Total Mortgage Loan Application Amount | $249,270,000 |
| Average Mortgage Loan Application Amount | $357,120 |
| Highest Mortgage Loan Application Amount | $9,625,000 |
| Average Applicant Income | $147,922 |
| Highest Applicant Income | $1,143,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 285 | $ 88,785,000 | $ 311,526 | $ 165,000 |
| Kennewick-Richland, WA | 193 | $ 61,765,000 | $ 320,025 | $ 124,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 84 | $ 41,900,000 | $ 498,809 | $ 182,785 |
| Outside any metro area | 13 | $ 11,415,000 | $ 878,076 | $ 129,000 |
| Walla Walla, WA | 1 | $ 255,000 | $ 255,000 | $ 0 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2022
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 | 453 | $201,255,000 | $444,000 | $9,625,000 | $153,000 | $1,143,000 |
| Refinancing | 173 | $42,425,000 | $245,000 | $3,405,000 | $157,000 | $501,000 |
| Home Improvement | 43 | $3,045,000 | $70,000 | $355,000 | $99,000 | $228,000 |
| Other Purpose | 29 | $2,545,000 | $87,000 | $405,000 | $87,000 | $250,000 |
| 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 | 409 | $126,985,000 | $310,000 | $955,000 | $162,000 | $1,143,000 |
| Hispanic | 120 | $32,460,000 | $270,000 | $805,000 | $91,000 | $337,000 |
| Not Provided | 78 | $31,070,000 | $398,000 | $935,000 | $155,000 | $515,000 |
| Not applicable | 57 | $46,875,000 | $822,000 | $9,625,000 | $0 | $0 |
| Asian | 16 | $5,560,000 | $347,000 | $635,000 | $150,000 | $580,000 |
| Black or African American | 10 | $3,210,000 | $321,000 | $695,000 | $136,000 | $354,000 |
| American Indian or Alaskan Native | 5 | $1,825,000 | $365,000 | $545,000 | $117,000 | $189,000 |
| 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) | 698 | $249,270,000 | $357,000 | $9,625,000 | $147,000 | $1,143,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 453 | $172,145,000 | $380,000 | $9,625,000 | $163,000 | $669,000 |
| Preapproval Approved but not Accepted | 110 | $41,600,000 | $378,000 | $905,000 | $125,000 | $1,143,000 |
| Application Denied By Financial Institution | 48 | $9,540,000 | $198,000 | $595,000 | $74,000 | $250,000 |
| Application Withdrawn By Applicant | 48 | $15,050,000 | $313,000 | $705,000 | $173,000 | $1,143,000 |
| Application Approved But Not Accepted | 17 | $4,445,000 | $261,000 | $645,000 | $106,000 | $269,000 |
| Preapproval Denied by Financial Institution | 12 | $3,550,000 | $295,000 | $485,000 | $65,000 | $131,000 |
| File Closed For Incompleteness | 10 | $2,940,000 | $294,000 | $575,000 | $143,000 | $424,000 |
| 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 | 638 | $236,180,000 | $370,000 | $9,625,000 | $154,000 | $1,143,000 |
| Debt-To-Income Ratio | 24 | $7,090,000 | $295,000 | $595,000 | $58,000 | $137,000 |
| Credit History | 21 | $3,375,000 | $160,000 | $585,000 | $74,000 | $156,000 |
| Collateral | 8 | $1,190,000 | $148,000 | $455,000 | $111,000 | $250,000 |
| Other | 6 | $1,150,000 | $191,000 | $365,000 | $76,000 | $117,000 |
| Mortgage Insurance Denied | 1 | $285,000 | $285,000 | $285,000 | $66,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2022 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About