Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2017
In 2017, Yakima Federal Savings & Loan of Yakima, WA reported 656 mortgage applications totaling $158.3 million, down 18% from 2016. The average application was for $241,315, and applicants reported an average income of $92,192. 65% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Yakima, WA (248), Kennewick-Richland, WA (193) and Portland-Vancouver-Hillsboro, OR-WA (44) (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 | 656 |
| Total Mortgage Loan Application Amount | $158,303,000 |
| Average Mortgage Loan Application Amount | $241,315 |
| Highest Mortgage Loan Application Amount | $1,834,000 |
| Average Applicant Income | $92,192 |
| Highest Applicant Income | $625,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 498 | $132,254,000 | $265,000 | $1,834,000 | $92,000 | $625,000 |
| Refinancing | 87 | $16,297,000 | $187,000 | $657,000 | $91,000 | $364,000 |
| Home Improvement | 71 | $9,752,000 | $137,000 | $535,000 | $95,000 | $292,000 |
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 | 453 | $112,569,000 | $248,000 | $860,000 | $112,000 | $625,000 |
| Hispanic | 108 | $16,275,000 | $150,000 | $474,000 | $66,000 | $250,000 |
| Not applicable | 75 | $23,708,000 | $316,000 | $1,834,000 | $0 | $0 |
| Asian | 10 | $3,543,000 | $354,000 | $485,000 | $162,000 | $380,000 |
| Not Provided | 5 | $1,280,000 | $256,000 | $413,000 | $103,000 | $158,000 |
| Black or African American | 2 | $473,000 | $236,000 | $284,000 | $50,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $305,000 | $152,000 | $275,000 | $112,000 | $181,000 |
| American Indian or Alaskan Native | 1 | $150,000 | $150,000 | $150,000 | $49,000 | $49,000 |
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) | 655 | $158,224,000 | $241,000 | $1,834,000 | $92,000 | $625,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $79,000 | $79,000 | $79,000 | $54,000 | $54,000 |
| 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 | 426 | $110,403,000 | $259,000 | $1,834,000 | $96,000 | $625,000 |
| Preapproval Approved but not Accepted | 112 | $25,228,000 | $225,000 | $500,000 | $80,000 | $296,000 |
| Application Denied By Financial Institution | 47 | $7,705,000 | $163,000 | $485,000 | $78,000 | $380,000 |
| Application Withdrawn By Applicant | 36 | $8,125,000 | $225,000 | $860,000 | $114,000 | $350,000 |
| Preapproval Denied by Financial Institution | 25 | $5,103,000 | $204,000 | $620,000 | $70,000 | $245,000 |
| Application Approved But Not Accepted | 6 | $1,053,000 | $175,000 | $498,000 | $77,000 | $188,000 |
| File Closed For Incompleteness | 4 | $686,000 | $171,000 | $284,000 | $91,000 | $115,000 |
| 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 | 28 | $4,302,000 | $153,000 | $485,000 | $68,000 | $380,000 |
| Debt-To-Income Ratio | 14 | $2,577,000 | $184,000 | $350,000 | $54,000 | $111,000 |
| Collateral | 14 | $1,913,000 | $136,000 | $325,000 | $93,000 | $120,000 |
| Mortgage Insurance Denied | 4 | $996,000 | $249,000 | $371,000 | $108,000 | $191,000 |
| Other | 4 | $1,500,000 | $375,000 | $620,000 | $120,000 | $245,000 |
| Unverifiable Information | 3 | $833,000 | $277,000 | $500,000 | $71,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $527,000 | $175,000 | $213,000 | $61,000 | $88,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2017 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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