Apache County, AZ Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 999 mortgage applications in Apache County, AZ totaling $113.9 million, down 15% from 2009. The average application was for $113,000, and applicants reported an average income of $76,000. 37% of applications resulted in an originated loan and 35% were denied. The most active lender was Wells Fargo Bank, NA, with 271 applications, followed by Bank of America, N.A. and 21st Mortgage.

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Total Number of Mortgage Applications 999
Total Mortgage Loan Application Amount $113,882,000
Average Mortgage Loan Application Amount $113,000
Highest Mortgage Loan Application Amount $629,000
Average Applicant Income $76,000
Highest Applicant Income $3,300,000

Mortgage Company List for Lending in Apache County, AZ for 2010

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,000,000 271 $ 13,663,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,465,221,449,000 101 $ 16,430,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 48 $ 2,440,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 47 $ 6,320,000
National Bank of Arizona
6001 N 24TH ST BLDG B
PHOENIX, AZ 85016
* $ 4,540,944,000 41 $ 4,181,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,627,684,000,000 40 $ 6,096,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 276,376,130,000 39 $ 3,979,000
Wallick and Volk
222 EAST 18TH
CHEYENNE, WY 82001
* $ 10,000,000 32 $ 5,740,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 55,302,902,000 30 $ 4,113,000
Bank of the West
1977 SATURN STREET MS SC-MPK-03-N
MONTEREY PARK, CA 91755
* $ 60,000,590,000 23 $ 1,526,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 22 $ 3,792,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 21 $ 2,820,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 12 $ 1,691,000
Desert Financial Credit Union
148 N. 48TH ST.
PHOENIX, AZ 85034
* $ 3,092,875,000 11 $ 1,200,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 14,106,965,000 10 $ 1,084,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 9 $ 1,710,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 963,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 893,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,157,711,000 7 $ 893,000
Oneaz Credit Union
2355 W PINNACLE PEAK RD
PHOENIX, AZ 85027
* $ 1,287,136,000 7 $ 886,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 37,922,355,000 7 $ 974,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 6 $ 856,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 6 $ 1,103,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,483,100,000 6 $ 868,000
Pima Federal Credit Union
6840 N ORACLE ROAD, SUITE 100
TUCSON, AZ 85704
* $ 344,410,000 6 $ 793,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 6 $ 1,002,000
Suburban Mortgage, Inc.
7500 N. DREAMY DRAW DR., #110
PHOENIX, AZ 85020
* $ 10,000,000 6 $ 788,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 6 $ 1,121,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ 10,000 5 $ 741,000
Southwest Stage Funding LLC
6816 EAST BROWN ROAD
MESA, AZ 85207
* $ 5,889,539,000 5 $ 744,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 89,620,000 5 $ 857,000
First Community Bank
PO BOX 3686
ALBUQUERQUE, NM 87190
* $ 2,740,524,000 4 $ 11,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 4 $ 465,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 3 $ 666,000
Iserve Residential Lending
13520 EVENING CREEK DRIVE SUITE #400
SAN DIEGO, CA 92128
* $ 10,000,000 3 $ 443,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 312,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ 10,000,000 3 $ 473,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 3 $ 287,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 469,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 260,309,849,000 3 $ 730,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 3 $ 420,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 671,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 296,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,867,638,000 3 $ 165,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 3 $ 341,000
First Arkansas Bank and Trust
600 WEST MAIN STREET
JACKSONVILLE, AR 72076
* $ 602,442,000 2 $ 198,000
A. E. A. Federal Credit Union
1780 S 1ST AVENUE
YUMA, AZ 85364
* $ 370,153,000 2 $ 126,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 39,610,194,000 2 $ 276,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 2,771,881,000 2 $ 181,000
Arizona Central Credit Union
2020 N CENTRAL AVE
PHOENIX, AZ 85004
* $ 408,759,000 2 $ 366,000
First Credit Union
25 SOUTH ARIZONA PLACE, SUITE 111
CHANDLER, AZ 85225
* $ 459,629,000 2 $ 279,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 482,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ 10,000,000 2 $ 426,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 90,293,933,000 2 $ 149,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,122,657,000 2 $ 120,000
Onewest Bank, FSB
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 23,286,247,000 2 $ 268,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 12,000,000 2 $ 706,000
First Nb of Jacksboro
P.O. DRAWER E
JACKSBORO, TX 76458
* $ 455,314,000 2 $ 197,000
BBVA USA
15 SOUTH 20TH STREET
BIRMINGHAM, AL 35233
* $ 64,608,091,000 2 $ 370,000
M&I Marshall & Ilsley Bank
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 50,253,578,000 2 $ 585,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 429,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 337,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 515,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 167,000
First Continental Mortgage, Ltd.
11011 RICHMOND AVENUE, SUITE 800
HOUSTON, TX 77072
* $ 10,000,000 1 $ 291,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 124,000
Land/Home Financial Services
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 92,000
Amera Mortgage Corporation
1050 CORPORATE OFFICE DRIVE, STE 250
MILFORD, MI 48381
* $ 1,300,000,000 1 $ 417,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 159,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 1 $ 167,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 111,000
Bell America Mortgage LLC dba
1000 SHELARD PARKWAY SUITE 500
MINNEAPOLIS, MN 55434
* $ 10,000,000 1 $ 57,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ 3,406,000,000 1 $ 179,000
The Lending Company
6910 E CHAUNCEY LN STE 220
PHOENIX, AZ 85054
* $ 40,000,000 1 $ 157,000
Dayspring Bank
914 LAKE AVENUE
GOTHENBURG, NE 69138
* $ 330,232,000 1 $ 600,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 40,150,052,000 1 $ 191,000
Northern Trust, NA
700 BRICKELL AVE
MIAMI, FL 33131
* $ 12,650,095,000 1 $ 417,000
The Citizens Bank
500 W BROADWAY
FARMINGTON, NM 87401
* $ 560,460,000 1 $ 2,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ 577,362,000 1 $ 190,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 1,987,814,000 1 $ 123,000
Homeservices Lending, LLC A
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 1 $ 200,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 5,572,351,000 1 $ 288,000
Financial Freedom Acquisition
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 98,000
Pentagon Federal Credit Union
14300 SULLYFIELD CIRCLE
CHANTILLY, VA 20151
* $ 13,969,885,000 1 $ 196,000
Bank of Albuquerque, NA
PO BOX 2300
TULSA, OK 74102
* $ 1,586,835,000 1 $ 158,000
Guaranty Bank, FSB
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,319,978,000 1 $ 298,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 12,817,999,000 1 $ 79,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 300,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 708,191,000 1 $ 330,000
Vectra Bank Colorado, NA
7800 E. DORADO PL., STE 100
GREENWOOD VILLAGE, CO 80111
* $ 2,440,095,000 1 $ 120,000
Canyon Community Bank
7981 N ORACLE RD
TUCSON, AZ 85704
* $ 90,608,000 1 $ 123,000
BNC National Bank

BISMARCK, ND 58501
* $ 866,920,000 1 $ 99,000
Bank of Arizona
P. O. BOX 2300
TULSA, OK 74102
* $ 280,932,000 1 $ 352,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 1 $ 230,000
Oxford Lending Group, LLC
1 EAST CAMPUS VIEW BLVD STE #200
COLUMBUS, OH 43235
* $ 700,000,000 1 $ 172,000
Mutual of Omaha Bank
3333 FARNAM STREET
OMAHA, NE 68131
* $ 4,109,578,000 1 $ 173,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 70,000
Lhm Financial Corporation
7025 E GREENWAY PARKWAY SUITE 100
PHOENIX, AZ 85254
* $ 10,000,000 1 $ 241,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 1 $ 147,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 1 $ 24,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ 10,000,000 1 $ 149,000
Allen Mortgage, LLC
P.O. BOX 1168
CENTENNIAL PARK, AZ 86021
* $ 10,000,000 1 $ 170,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 149,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 120,000
Copper State Credit Union
3340 W DEER VALLEY RD
PHOENIX, AZ 85053
* $ 159,783,000 1 $ 57,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 4,951,848,000 1 $ 5,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 216,229,000 1 $ 164,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 1 $ 50,000

The tables below break down 2010 mortgage applications in Apache County, AZ by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Apache County, AZ 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 516 $77,481,000 $150,000 $629,000 $84,000 $1,634,000
Home Purchase 276 $34,326,000 $124,000 $417,000 $76,000 $1,046,000
Home Improvement 207 $2,075,000 $10,000 $147,000 $56,000 $3,300,000

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 576 $81,618,000 $141,000 $629,000 $88,000 $1,634,000
American Indian or Alaskan Native 196 $5,454,000 $27,000 $249,000 $54,000 $3,300,000
Not Provided 109 $11,479,000 $105,000 $407,000 $82,000 $1,200,000
Hispanic 54 $6,678,000 $123,000 $388,000 $81,000 $916,000
Not applicable 51 $7,102,000 $139,000 $417,000 $4,000 $132,000
Native Hawaiian or Other Pacific Islander 7 $482,000 $68,000 $205,000 $31,000 $87,000
Black or African American 4 $571,000 $142,000 $152,000 $143,000 $470,000
Asian 2 $498,000 $249,000 $321,000 $97,000 $114,000

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) 767 $82,895,000 $108,000 $629,000 $86,000 $3,300,000
FHA-insured (Federal Housing Administration) 174 $22,331,000 $128,000 $288,000 $42,000 $435,000
VA-guaranteed (Veterans Administration) 35 $5,898,000 $168,000 $352,000 $54,000 $212,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 23 $2,758,000 $119,000 $157,000 $42,000 $77,000

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 369 $48,631,000 $131,000 $600,000 $86,000 $1,634,000
Application Denied By Financial Institution 346 $23,446,000 $67,000 $629,000 $65,000 $3,300,000
Loan Purchased By The Institution 141 $21,922,000 $155,000 $417,000 $56,000 $435,000
Application Withdrawn By Applicant 64 $9,680,000 $151,000 $417,000 $123,000 $1,090,000
Application Approved But Not Accepted 56 $6,677,000 $119,000 $417,000 $73,000 $192,000
File Closed For Incompleteness 23 $3,526,000 $153,000 $417,000 $74,000 $351,000
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 208 $4,851,000 $23,000 $413,000 $54,000 $3,300,000
Collateral 48 $8,546,000 $178,000 $629,000 $98,000 $941,000
Debt-To-Income Ratio 33 $2,976,000 $90,000 $407,000 $83,000 $1,200,000
Other 24 $2,341,000 $97,000 $388,000 $55,000 $133,000
Credit Application Incomplete 11 $1,277,000 $116,000 $196,000 $35,000 $92,000
Unverifiable Information 8 $1,665,000 $208,000 $601,000 $178,000 $453,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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