# Yakima Federal Savings and Loan Association

> **Canonical URL:** https://saferate.com/lenders/yakima-federal-savings-and-loan-association

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Yakima Federal Savings and Loan Association is a bank, headquartered in Yakima, WA, serving borrowers across 2 states, with 233 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005JXQCVNMUHBR38
- **Headquarters:** Yakima, WA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Markets (MSAs):** 3
- **Primary Channel:** mix
- **Direct Origination:** 69.7%
- **Brokered/Wholesale:** 30.3%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.202%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,675
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 233
- **Dollar Volume:** $100 million
- **Applications Received:** 304
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $429,120
- **Average Borrower Income:** $199,227

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 220 | -0.213% | $2,740 | Strong 😀 |
| Jumbo | 42/100 | 13 | +0.021% | $1,262 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 200 loans, Score: 65/100 (Strong)
- Refinance: 20 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 212 | $94M | -0.222% | Strong 😀 |
| Refinance | 46/100 | 21 | $6M | -0.031% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 172 | 0.20% | 76/100 |
| OR | 61 | 0.14% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Yakima, WA | WA | 98 | 87/100 |
| Portland | OR-WA | 72 | 68/100 |
| Kennewick | WA | 56 | 77/100 |

## Frequently Asked Questions

### What loan types does Yakima Federal Savings and Loan Association offer?

Yakima Federal Savings and Loan Association offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Yakima Federal Savings and Loan Association offer mortgages?

Yakima Federal Savings and Loan Association offers mortgages in 2 states: OR, WA.

### How competitive are Yakima Federal Savings and Loan Association's mortgage rates?

Yakima Federal Savings and Loan Association has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.202% below market average.

### What type of lender is Yakima Federal Savings and Loan Association?

Yakima Federal Savings and Loan Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Yakima, WA.

### What is Yakima Federal Savings and Loan Association's loan approval success rate?

Yakima Federal Savings and Loan Association has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/yakima-federal-savings-and-loan-association

### How to Cite

> "Yakima Federal Savings and Loan Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/yakima-federal-savings-and-loan-association

---

**[View Interactive Profile →](https://saferate.com/lenders/yakima-federal-savings-and-loan-association)**