Baker-Boyer National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010

Baker-Boyer National Bank 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Baker-Boyer National Bank
7 W. Main
Walla Walla, WA 99362
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 291
Total Mortgage Loan Application Amount $51,606,000
Average Mortgage Loan Application Amount $155,333
Highest Mortgage Loan Application Amount $1,163,000
Average Applicant Income $90,333
Highest Applicant Income $594,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Baker-Boyer National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Baker-Boyer National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2010 breaks down Baker-Boyer National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Baker-Boyer National Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Baker-Boyer National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Baker-Boyer National Bank's mortgage activity for 2010.

Mortgage Loan Application Totals for Baker-Boyer National Bank by Metropolitan Area in 2010

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
KENNEWICK-PASCO-RICHLAND, WA 32 $ 7,107,000 $ 222,000 $ 164,000
YAKIMA, WA 6 $ 2,282,000 $ 380,000 $ 48,000
SEATTLE-BELLEVUE-EVERETT, WA 2 $ 587,000 $ 293,000 $ 294,000
TACOMA, WA 2 $ 639,000 $ 319,000 $ 201,000
MOUNT VERNON-ANACORTES, WA 1 $ 384,000 $ 384,000 $ 101,000

Mortgage Loan Application Detail Totals for Baker-Boyer National Bank in 2010

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
Refinancing 183 $34,716,000 $189,000 $650,000 $114,000 $494,000
Home Purchase 80 $14,018,000 $175,000 $1,163,000 $88,000 $594,000
Home Improvement 28 $2,872,000 $102,000 $300,000 $69,000 $332,000

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 239 $43,102,000 $180,000 $650,000 $104,000 $594,000
Hispanic 32 $3,120,000 $97,000 $228,000 $56,000 $372,000
Asian 13 $3,345,000 $257,000 $417,000 $197,000 $374,000
Black or African American 4 $804,000 $201,000 $249,000 $109,000 $172,000
Not applicable 2 $1,232,000 $616,000 $1,163,000 $0 $0
Not Provided 1 $3,000 $3,000 $3,000 $14,000 $14,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
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) 290 $51,399,000 $177,000 $1,163,000 $102,000 $594,000
VA-guaranteed (Veterans Administration) 1 $207,000 $207,000 $207,000 $173,000 $173,000
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

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 231 $42,782,000 $185,000 $1,163,000 $112,000 $594,000
Application Withdrawn By Applicant 31 $5,085,000 $164,000 $384,000 $85,000 $339,000
Application Denied By Financial Institution 29 $3,739,000 $128,000 $300,000 $41,000 $99,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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 19 $1,987,000 $104,000 $235,000 $45,000 $99,000
Debt-To-Income Ratio 6 $1,092,000 $182,000 $255,000 $36,000 $54,000
Collateral 2 $312,000 $156,000 $204,000 $45,000 $60,000
Insufficient Cash (Downpayment, Closing Cost) 1 $300,000 $300,000 $300,000 $0 $0
Other 1 $48,000 $48,000 $48,000 $30,000 $30,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Baker-Boyer National Bank's 2010 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 Baker-Boyer National Bank'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.

Download the Washington Lender List