Applications / Mortgage Analytics / Lenders / Washington / Yakima Federal Savings and Loan Association
Yakima, WA · Savings institution · FDIC · $2.0 billion assets · 409 loans in 2025
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409
loans originated, 2025
543
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Yakima Federal Savings and Loan Association is a home-purchase lender rooted in Yakima, where it ranks third, and it lends far more in majority-minority neighborhoods than similar savings institutions do.
It has lent in Yakima since 1990 and ranks 3 of 216 lenders there, behind CMG Mortgage and American Pacific Mortgage. Its share slipped to 5.1% from 6.0%, and in Kennewick-Richland to 1.6% from 2.1%. Much of that may be arithmetic: its loans fell 1% to 409 while the whole market grew 10%, and similar lenders (savings institutions making between half and twice as many loans) grew 5%.
Some 26.2% of its loans went to majority-minority neighborhoods, against 6.3% for similar lenders, a higher share than about nine in ten of them. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) is 16.1%, near the middle. That may simply reflect the nine counties it serves.
Only 10.9% of its loans went to LMI borrowers, against 25.5% for similar lenders, among the lowest of the group. Its typical loan, $335,000 against $222,500, is bigger than at four in five of them. With two-thirds of its lending for home purchase, larger loans may simply draw buyers with higher incomes.
Every loan was conventional, with no government-backed lending at all. None was higher-priced (a rate well above the average for similar loans), against 0.4% for similar lenders, and its typical rate of 6.50% sat just below their 6.59%. That holds although 4.4% of its loans were on manufactured homes. It turned down 5.2% of home-purchase applications, close to their 5.5%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Yakima Federal Savings and Loan Association took 543 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.0% · Refinance 13.4% · Home improvement 11.2% · Other 8.3%
Conventional 100.0% · of 409 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Washington | 344 | 84.1% |
| Oregon | 65 | 15.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Yakima | 189 |
| Kennewick-Richland | 121 |
| Portland-Vancouver-Hillsboro | 69 |
| Walla Walla | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005JXQCVNMUHBR38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 809771 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4921 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700921 | 2011–2012 |
| Respondent ID (the HMDA filer code before 2018) | 328116 | 2013–2017 |
Established 1 January 1905. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Yakima Federal Savings and Loan Association's data.
Yakima Federal Savings and Loan Association's data
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