Yakima Federal Savings & Loan Mortgage Lending & HMDA Data, 2023
In 2023, Yakima Federal Savings & Loan of Yakima, WA reported 514 mortgage applications totaling $160.8 million, down 26% from 2022. The average application was for $312,859, and applicants reported an average income of $142,824. 64% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Yakima, WA (199), Kennewick-Richland, WA (141) and Portland-Vancouver-Hillsboro, OR-WA (73) (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 | 514 |
| Total Mortgage Loan Application Amount | $160,810,000 |
| Average Mortgage Loan Application Amount | $312,859 |
| Highest Mortgage Loan Application Amount | $3,105,000 |
| Average Applicant Income | $142,824 |
| Highest Applicant Income | $5,373,000 |
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records Yakima Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 342 | $137,010,000 | $400,000 | $3,105,000 | $141,000 | $579,000 |
| Refinancing | 75 | $14,495,000 | $193,000 | $525,000 | $182,000 | $5,373,000 |
| Home Improvement | 57 | $5,965,000 | $104,000 | $375,000 | $140,000 | $759,000 |
| Other Purpose | 40 | $3,340,000 | $83,000 | $305,000 | $89,000 | $253,000 |
| 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 | 262 | $74,680,000 | $285,000 | $755,000 | $155,000 | $5,373,000 |
| Hispanic | 104 | $24,030,000 | $231,000 | $755,000 | $94,000 | $277,000 |
| Not Provided | 74 | $29,110,000 | $393,000 | $835,000 | $165,000 | $579,000 |
| Not applicable | 58 | $27,910,000 | $481,000 | $3,105,000 | $0 | $0 |
| Asian | 11 | $3,455,000 | $314,000 | $735,000 | $113,000 | $320,000 |
| Black or African American | 3 | $1,195,000 | $398,000 | $665,000 | $238,000 | $296,000 |
| American Indian or Alaskan Native | 2 | $430,000 | $215,000 | $385,000 | $114,000 | $202,000 |
| 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) | 514 | $160,810,000 | $312,000 | $3,105,000 | $142,000 | $5,373,000 |
| 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 | 329 | $105,985,000 | $322,000 | $3,105,000 | $162,000 | $5,373,000 |
| Preapproval Approved but not Accepted | 58 | $18,970,000 | $327,000 | $705,000 | $108,000 | $245,000 |
| Application Denied By Financial Institution | 56 | $13,710,000 | $244,000 | $715,000 | $100,000 | $579,000 |
| Application Withdrawn By Applicant | 37 | $12,115,000 | $327,000 | $755,000 | $153,000 | $419,000 |
| Preapproval Denied by Financial Institution | 24 | $6,930,000 | $288,000 | $505,000 | $59,000 | $153,000 |
| Application Approved But Not Accepted | 9 | $2,645,000 | $293,000 | $595,000 | $131,000 | $268,000 |
| File Closed For Incompleteness | 1 | $455,000 | $455,000 | $455,000 | $155,000 | $155,000 |
| 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 | 434 | $140,170,000 | $322,000 | $3,105,000 | $152,000 | $5,373,000 |
| Debt-To-Income Ratio | 34 | $8,650,000 | $254,000 | $505,000 | $68,000 | $153,000 |
| Credit History | 18 | $3,170,000 | $176,000 | $435,000 | $87,000 | $136,000 |
| Other | 17 | $5,675,000 | $333,000 | $575,000 | $134,000 | $277,000 |
| Collateral | 6 | $1,800,000 | $300,000 | $715,000 | $173,000 | $579,000 |
| Unverifiable Information | 2 | $870,000 | $435,000 | $465,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $340,000 | $170,000 | $255,000 | $66,000 | $85,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $51,000 | $51,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Yakima Federal Savings & Loan's 2023 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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