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Yakima Federal Savings and Loan Association

Bank•Yakima, WAHQ•Direct & Wholesale•Reviews near you on Google

Yakima Federal Savings and Loan Association has 233 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 20.20 basis points below market average

Explore another lender or local market

Report Card

Yakima Federal Savings and Loan Association performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 20.2 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
220 loans · 0.21% below market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.02% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
212 loans · 0.22% below market
Strong
Top 40% of lenders
4/5
Refinance
21 loans · 0.03% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume220
Mix94.4%
Spread
-0.213%Below
Fees
$2,740Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume13
Mix5.6%
Spread
+0.021%Above
Fees
$1,262Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume212
Mix91.0%
Spread
-0.222%Below
Fees
$2,639Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume21
Mix9.0%
Spread
-0.031%Below
Fees
$2,985Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
233
Applications
304
Volume
$99 million
Pricing & Closing
Avg Rate Spread
-0.202%
vs. market APOR
Avg Net Fees
$2,675
Origination − Credits
Pullthrough Rate
76.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$429,120
Avg Borrower Income
$199,227
Avg Property Value
$619,077

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 5050+None
West2
ORWA

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Yakima, WAMetro
Volume 98Mix 42.06% of portfolio
87/100
Exceptional
2© Kirk Bagley · CC BY 3.0
Kennewick, WAMetro
Volume 56Mix 24.03% of portfolio
77/100
Strong
3© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 72Mix 30.90% of portfolio
68/100
Strong

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 172Mix 73.82% of portfolio
76/100
Strong
Oregon
Oregon
2
OregonState
Volume 61Mix 26.18% of portfolio
65/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.