Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2024
In 2024, Yakima Federal Savings & Loan of Yakima, WA reported 663 mortgage applications totaling $233.3 million, up 29% from 2023. The average application was for $351,907, and applicants reported an average income of $161,019. 62% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Yakima, WA (255), Kennewick-Richland, WA (176) and Portland-Vancouver-Hillsboro, OR-WA (92) (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 | 663 |
| Total Mortgage Loan Application Amount | $233,315,000 |
| Average Mortgage Loan Application Amount | $351,907 |
| Highest Mortgage Loan Application Amount | $9,475,000 |
| Average Applicant Income | $161,019 |
| Highest Applicant Income | $2,161,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 255 | $ 67,395,000 | $ 264,294 | $ 139,000 |
| Kennewick-Richland, WA | 176 | $ 55,170,000 | $ 313,465 | $ 171,000 |
| Outside any metro area | 140 | $ 59,730,000 | $ 426,642 | $ 123,500 |
| Portland-Vancouver-Hillsboro, OR-WA | 92 | $ 51,020,000 | $ 554,565 | $ 249,695 |
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2024
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 | 470 | $205,450,000 | $437,000 | $9,475,000 | $175,000 | $2,161,000 |
| Home Improvement | 79 | $7,245,000 | $91,000 | $605,000 | $119,000 | $865,000 |
| Other Purpose | 63 | $7,165,000 | $113,000 | $1,005,000 | $124,000 | $1,169,000 |
| Refinancing | 51 | $13,455,000 | $263,000 | $965,000 | $143,000 | $754,000 |
| 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 | 334 | $106,130,000 | $317,000 | $1,005,000 | $163,000 | $2,161,000 |
| Hispanic | 160 | $37,660,000 | $235,000 | $675,000 | $107,000 | $438,000 |
| Not Provided | 81 | $39,635,000 | $489,000 | $1,035,000 | $232,000 | $814,000 |
| Not applicable | 56 | $36,960,000 | $660,000 | $9,475,000 | $0 | $0 |
| Asian | 13 | $6,215,000 | $478,000 | $885,000 | $247,000 | $501,000 |
| Black or African American | 12 | $3,970,000 | $330,000 | $805,000 | $171,000 | $428,000 |
| American Indian or Alaskan Native | 7 | $2,745,000 | $392,000 | $535,000 | $222,000 | $744,000 |
| 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) | 663 | $233,315,000 | $351,000 | $9,475,000 | $160,000 | $2,161,000 |
| 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 | 414 | $154,280,000 | $372,000 | $9,475,000 | $175,000 | $2,161,000 |
| Preapproval Approved but not Accepted | 95 | $35,895,000 | $377,000 | $805,000 | $137,000 | $428,000 |
| Application Withdrawn By Applicant | 58 | $19,720,000 | $340,000 | $825,000 | $178,000 | $600,000 |
| Application Denied By Financial Institution | 49 | $9,735,000 | $198,000 | $1,005,000 | $127,000 | $1,169,000 |
| Preapproval Denied by Financial Institution | 24 | $6,660,000 | $277,000 | $715,000 | $80,000 | $197,000 |
| Application Approved But Not Accepted | 13 | $4,495,000 | $345,000 | $615,000 | $151,000 | $428,000 |
| File Closed For Incompleteness | 10 | $2,530,000 | $253,000 | $505,000 | $114,000 | $177,000 |
| 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 | 590 | $216,920,000 | $367,000 | $9,475,000 | $167,000 | $2,161,000 |
| Credit History | 35 | $5,175,000 | $147,000 | $785,000 | $77,000 | $211,000 |
| Debt-To-Income Ratio | 23 | $5,925,000 | $257,000 | $715,000 | $73,000 | $191,000 |
| Collateral | 7 | $1,915,000 | $273,000 | $595,000 | $261,000 | $865,000 |
| Other | 5 | $2,005,000 | $401,000 | $1,005,000 | $367,000 | $1,169,000 |
| Unverifiable Information | 1 | $465,000 | $465,000 | $465,000 | $27,000 | $27,000 |
| Employment History | 1 | $465,000 | $465,000 | $465,000 | $172,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $445,000 | $445,000 | $445,000 | $131,000 | $131,000 |
| Mortgage Insurance Denied | 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 2024 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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