Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2014
In 2014, Yakima Federal Savings & Loan of Yakima, WA reported 644 mortgage applications totaling $131.3 million, down 23% from 2013. The average application was for $203,880, and applicants reported an average income of $87,413. 69% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Yakima, WA (240), Kennewick-Richland, WA (228) and Portland-Vancouver-Hillsboro, OR-WA (29) (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 | 644 |
| Total Mortgage Loan Application Amount | $131,299,000 |
| Average Mortgage Loan Application Amount | $203,880 |
| Highest Mortgage Loan Application Amount | $2,738,000 |
| Average Applicant Income | $87,413 |
| Highest Applicant Income | $916,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Yakima Federal Savings & Loan in 2014
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 | 457 | $104,030,000 | $227,000 | $2,138,000 | $86,000 | $658,000 |
| Refinancing | 130 | $21,786,000 | $167,000 | $2,738,000 | $93,000 | $916,000 |
| Home Improvement | 57 | $5,483,000 | $96,000 | $387,000 | $86,000 | $418,000 |
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 | 425 | $88,105,000 | $207,000 | $560,000 | $114,000 | $916,000 |
| Hispanic | 115 | $16,688,000 | $145,000 | $432,000 | $59,000 | $269,000 |
| Not applicable | 94 | $24,127,000 | $256,000 | $2,738,000 | $0 | $0 |
| Asian | 6 | $1,746,000 | $291,000 | $477,000 | $128,000 | $252,000 |
| American Indian or Alaskan Native | 2 | $535,000 | $267,000 | $295,000 | $118,000 | $172,000 |
| Not Provided | 1 | $50,000 | $50,000 | $50,000 | $92,000 | $92,000 |
| Black or African American | 1 | $48,000 | $48,000 | $48,000 | $119,000 | $119,000 |
| 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) | 638 | $130,158,000 | $204,000 | $2,738,000 | $88,000 | $916,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,141,000 | $190,000 | $228,000 | $56,000 | $72,000 |
| 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 | 445 | $93,698,000 | $210,000 | $2,738,000 | $92,000 | $916,000 |
| Preapproval Approved but not Accepted | 91 | $19,153,000 | $210,000 | $560,000 | $84,000 | $489,000 |
| Application Denied By Financial Institution | 70 | $11,320,000 | $161,000 | $417,000 | $61,000 | $242,000 |
| Application Withdrawn By Applicant | 15 | $3,137,000 | $209,000 | $481,000 | $99,000 | $295,000 |
| Preapproval Denied by Financial Institution | 14 | $2,130,000 | $152,000 | $285,000 | $76,000 | $220,000 |
| Application Approved But Not Accepted | 8 | $1,821,000 | $227,000 | $500,000 | $94,000 | $295,000 |
| File Closed For Incompleteness | 1 | $40,000 | $40,000 | $40,000 | $36,000 | $36,000 |
| 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 | 47 | $6,782,000 | $144,000 | $325,000 | $65,000 | $220,000 |
| Debt-To-Income Ratio | 15 | $2,147,000 | $143,000 | $340,000 | $48,000 | $100,000 |
| Collateral | 9 | $2,047,000 | $227,000 | $417,000 | $102,000 | $242,000 |
| Unverifiable Information | 6 | $1,446,000 | $241,000 | $250,000 | $0 | $0 |
| Other | 5 | $638,000 | $127,000 | $378,000 | $81,000 | $131,000 |
| Mortgage Insurance Denied | 2 | $390,000 | $195,000 | $197,000 | $112,000 | $130,000 |
| 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 2014 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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