Applications / Mortgage Analytics / Lenders / Washington / SaviBank
Burlington, WA · State non-member bank · FDIC · $639 million assets · 56 loans in 2025
SaviBank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
56
loans originated, 2025
74
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SaviBank, a small Washington bank based in Burlington, makes far bigger home loans than similar banks, but its lending shrank for a second year in 2025.
The bank made 56 loans in 2025, down from 95 in 2024 and 131 in 2023. That fall of 41% compares with growth of 7% at similar lenders, state non-member banks making between half and twice as many loans, and 10% in the whole market. Few similar banks shrank as fast. It filed no reports for 2020 to 2022; those are gaps in the record, not years without lending. The figures give no reason for the fall, and with so few loans a handful of deals either way moves the total.
Its typical loan was $485,000, nearly three times the $165,000 of similar lenders and larger than at more than nine in ten of them. Home purchases made up 64.3% of its lending and refinances 28.6%. That points to a lender serving buyers of pricier homes rather than one making small home-equity or improvement loans.
Its biggest market is Mount Vernon-Anacortes, WA, where it ranks 23 of 213 lenders. Its share there halved, from 2.2% to 1.1%, a fall that may simply reflect its smaller lending overall. United Wholesale Mortgage leads that market. The bank has lent there since 2007, when it first reported.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. SaviBank took 74 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.3% · Refinance 28.6% · Home improvement 7.1%
Conventional 96.4% · VA 3.6% · of 56 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 | 53 | 94.6% |
| California | 1 | 1.8% |
| Montana | 1 | 1.8% |
| Oregon | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Mount Vernon-Anacortes | 23 |
| Bellingham | 12 |
| Everett | 4 |
| Seattle-Bellevue-Kent | 3 |
| Bremerton-Silverdale-Port Orchard | 1 |
| Eugene-Springfield | 1 |
| Riverside-San Bernardino-Ontario | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XK1QLA60R87H84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3346268 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357978 | 2007–2017 |
Established 11 April 2005. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: SaviBank's data.
SaviBank's data
$215
SaviBank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy SaviBank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]