Alliance Financial Resources Mortgage Lending & HMDA Data, 2011
In 2011, Alliance Financial Resources of Phoenix, AZ reported 2,739 mortgage applications totaling $459.9 million, up 2% from 2010. The average application was for $167,903, and applicants reported an average income of $67,184. 63% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (1,139), Albuquerque, NM (288) and Birmingham-Hoover, AL (97) (applications in parentheses).
| Mortgage Company & Address | Alliance Financial Resources 5410 East High Street Suite 200 Phoenix, AZ 85054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 2,739 |
| Total Mortgage Loan Application Amount | $459,887,000 |
| Average Mortgage Loan Application Amount | $167,903 |
| Highest Mortgage Loan Application Amount | $1,550,000 |
| Average Applicant Income | $67,184 |
| Highest Applicant Income | $660,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alliance Financial Resources filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Glendale, AZ | 1,139 | $ 173,047,000 | $ 151,928 | $ 68,000 |
| Albuquerque, NM | 288 | $ 43,319,000 | $ 150,413 | $ 59,000 |
| Birmingham-Hoover, AL | 97 | $ 12,284,000 | $ 126,639 | $ 50,000 |
| Lake Havasu City-Kingman, AZ | 82 | $ 9,027,000 | $ 110,085 | $ 56,000 |
| Los Angeles-Long Beach-Glendale, CA | 71 | $ 23,542,000 | $ 331,577 | $ 95,000 |
| Houston-Sugar Land-Baytown, TX | 70 | $ 12,714,000 | $ 181,628 | $ 97,000 |
| Dallas-Plano-Irving, TX | 43 | $ 7,243,000 | $ 168,441 | $ 87,000 |
| San Diego-Carlsbad-San Marcos, CA | 41 | $ 13,073,000 | $ 318,853 | $ 102,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 36 | $ 5,147,000 | $ 142,972 | $ 48,000 |
| Riverside-San Bernardino-Ontario, CA | 32 | $ 7,074,000 | $ 221,062 | $ 61,000 |
| Tucson, AZ | 31 | $ 4,929,000 | $ 159,000 | $ 87,000 |
| Oakland-Fremont-Hayward, CA | 25 | $ 6,143,000 | $ 245,720 | $ 89,000 |
| Denver-Aurora-Broomfield, CO | 24 | $ 4,810,000 | $ 200,416 | $ 50,000 |
| Memphis, TN-MS-AR | 23 | $ 3,502,000 | $ 152,260 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 21 | $ 7,935,000 | $ 377,857 | $ 100,000 |
| San Francisco-San Mateo-Redwood City, CA | 20 | $ 8,783,000 | $ 439,150 | $ 92,000 |
| Bakersfield-Delano, CA | 19 | $ 2,544,000 | $ 133,894 | $ 60,000 |
| Fort Worth-Arlington, TX | 18 | $ 2,319,000 | $ 128,833 | $ 73,000 |
| Prescott, AZ | 16 | $ 2,498,000 | $ 156,125 | $ 64,000 |
| Salt Lake City, UT | 15 | $ 3,654,000 | $ 243,600 | $ 84,000 |
| Huntsville, AL | 14 | $ 4,780,000 | $ 341,428 | $ 95,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 14 | $ 3,793,000 | $ 270,928 | $ 104,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 5,434,000 | $ 388,142 | $ 126,000 |
| Mobile, AL | 13 | $ 1,652,000 | $ 127,076 | $ 41,000 |
| Fresno, CA | 11 | $ 2,373,000 | $ 215,727 | $ 118,000 |
| Knoxville, TN | 11 | $ 1,182,000 | $ 107,454 | $ 41,000 |
| Montgomery, AL | 11 | $ 1,611,000 | $ 146,454 | $ 55,000 |
| Austin-Round Rock-San Marcos, TX | 10 | $ 1,567,000 | $ 156,700 | $ 87,000 |
| Provo-Orem, UT | 10 | $ 2,264,000 | $ 226,400 | $ 59,000 |
| Des Moines-West Des Moines, IA | 9 | $ 1,029,000 | $ 114,333 | $ 62,000 |
| Flagstaff, AZ | 9 | $ 2,098,000 | $ 233,111 | $ 155,000 |
| Modesto, CA | 9 | $ 1,783,000 | $ 198,111 | $ 115,000 |
| Ogden-Clearfield, UT | 9 | $ 1,385,000 | $ 153,888 | $ 58,000 |
| Stockton, CA | 9 | $ 2,207,000 | $ 245,222 | $ 80,000 |
| Tuscaloosa, AL | 9 | $ 1,185,000 | $ 131,666 | $ 33,000 |
| El Paso, TX | 8 | $ 875,000 | $ 109,375 | $ 77,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,160,000 | $ 270,000 | $ 65,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 1,409,000 | $ 176,125 | $ 51,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,080,000 | $ 260,000 | $ 60,000 |
| Chattanooga, TN-GA | 7 | $ 867,000 | $ 123,857 | $ 31,000 |
| Colorado Springs, CO | 7 | $ 1,248,000 | $ 178,285 | $ 41,000 |
| Santa Fe, NM | 7 | $ 1,985,000 | $ 283,571 | $ 38,000 |
| Farmington, NM | 6 | $ 1,164,000 | $ 194,000 | $ 12,000 |
| Merced, CA | 6 | $ 852,000 | $ 142,000 | $ 40,000 |
| Clarksville, TN-KY | 5 | $ 787,000 | $ 157,400 | $ 41,000 |
| Decatur, AL | 5 | $ 757,000 | $ 151,400 | $ 78,000 |
| Las Cruces, NM | 5 | $ 746,000 | $ 149,200 | $ 37,000 |
| Longview, TX | 5 | $ 414,000 | $ 82,800 | $ 80,000 |
| Boise City-Nampa, ID | 4 | $ 656,000 | $ 164,000 | $ 53,000 |
| Boulder, CO | 4 | $ 666,000 | $ 166,500 | $ 100,000 |
| Coeur D'Alene, ID | 4 | $ 614,000 | $ 153,500 | $ 44,000 |
| Fort Collins-Loveland, CO | 4 | $ 1,485,000 | $ 371,250 | $ 126,000 |
| Idaho Falls, ID | 4 | $ 655,000 | $ 163,750 | $ 47,000 |
| San Antonio-New Braunfels, TX | 4 | $ 812,000 | $ 203,000 | $ 104,000 |
| Visalia-Porterville, CA | 4 | $ 415,000 | $ 103,750 | $ 85,000 |
| Yuba City, CA | 4 | $ 563,000 | $ 140,750 | $ 50,000 |
| Chico, CA | 3 | $ 550,000 | $ 183,333 | $ 46,000 |
| Dothan, AL | 3 | $ 235,000 | $ 78,333 | $ 28,000 |
| Florence-Muscle Shoals, AL | 3 | $ 336,000 | $ 112,000 | $ 30,000 |
| Gadsden, AL | 3 | $ 239,000 | $ 79,666 | $ 59,000 |
| Iowa City, IA | 3 | $ 952,000 | $ 317,333 | $ 130,000 |
| Jackson, TN | 3 | $ 346,000 | $ 115,333 | $ 43,000 |
| Johnson City, TN | 3 | $ 345,000 | $ 115,000 | $ 42,000 |
| Madera-Chowchilla, CA | 3 | $ 495,000 | $ 165,000 | $ 76,000 |
| Napa, CA | 3 | $ 1,432,000 | $ 477,333 | $ 139,000 |
| Redding, CA | 3 | $ 701,000 | $ 233,666 | $ 104,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 525,000 | $ 175,000 | $ 47,000 |
| Sioux City, IA-NE-SD | 3 | $ 294,000 | $ 98,000 | $ 58,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 388,000 | $ 129,333 | $ 41,000 |
| Yuma, AZ | 3 | $ 554,000 | $ 184,666 | $ 69,000 |
| Auburn-Opelika, AL | 2 | $ 291,000 | $ 145,500 | $ 66,000 |
| Cleveland, TN | 2 | $ 240,000 | $ 120,000 | $ 62,000 |
| El Centro, CA | 2 | $ 279,000 | $ 139,500 | $ 42,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 162,000 | $ 81,000 | $ 32,000 |
| Logan, UT-ID | 2 | $ 229,000 | $ 114,500 | $ 33,000 |
| Pocatello, ID | 2 | $ 308,000 | $ 154,000 | $ 77,000 |
| Salem, OR | 2 | $ 305,000 | $ 152,500 | $ 0 |
| Salinas, CA | 2 | $ 542,000 | $ 271,000 | $ 54,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 423,000 | $ 211,500 | $ 79,000 |
| Sherman-Denison, TX | 2 | $ 344,000 | $ 172,000 | $ 79,000 |
| Abilene, TX | 1 | $ 107,000 | $ 107,000 | $ 48,000 |
| Amarillo, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 112,000 | $ 112,000 | $ 72,000 |
| Bend, OR | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Cedar Rapids, IA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Columbus, GA-AL | 1 | $ 170,000 | $ 170,000 | $ 58,000 |
| Corpus Christi, TX | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 99,000 | $ 99,000 | $ 43,000 |
| Eugene-Springfield, OR | 1 | $ 243,000 | $ 243,000 | $ 62,000 |
| Greeley, CO | 1 | $ 169,000 | $ 169,000 | $ 52,000 |
| Hanford-Corcoran, CA | 1 | $ 121,000 | $ 121,000 | $ 49,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Lewiston, ID-WA | 1 | $ 149,000 | $ 149,000 | $ 38,000 |
| Lubbock, TX | 1 | $ 82,000 | $ 82,000 | $ 44,000 |
| Medford, OR | 1 | $ 272,000 | $ 272,000 | $ 141,000 |
| Morristown, TN | 1 | $ 123,000 | $ 123,000 | $ 74,000 |
| Pueblo, CO | 1 | $ 134,000 | $ 134,000 | $ 52,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 218,000 | $ 218,000 | $ 61,000 |
| St. George, UT | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 92,000 | $ 92,000 | $ 45,000 |
| Waco, TX | 1 | $ 116,000 | $ 116,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Alliance Financial Resources in 2011
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,600 | $239,340,000 | $149,000 | $1,550,000 | $68,000 | $660,000 |
| Refinancing | 1,134 | $219,758,000 | $193,000 | $1,365,000 | $66,000 | $600,000 |
| Home Improvement | 5 | $789,000 | $157,000 | $305,000 | $75,000 | $183,000 |
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 | 1,741 | $320,039,000 | $183,000 | $1,550,000 | $76,000 | $660,000 |
| Hispanic | 623 | $79,018,000 | $126,000 | $619,000 | $46,000 | $346,000 |
| Black or African American | 251 | $34,603,000 | $137,000 | $595,000 | $52,000 | $187,000 |
| Asian | 65 | $16,147,000 | $248,000 | $850,000 | $98,000 | $499,000 |
| Not Provided | 45 | $8,243,000 | $183,000 | $594,000 | $73,000 | $226,000 |
| American Indian or Alaskan Native | 13 | $1,722,000 | $132,000 | $224,000 | $53,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $63,000 | $63,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,277 | $186,405,000 | $145,000 | $711,000 | $54,000 | $516,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,126 | $215,804,000 | $191,000 | $1,365,000 | $88,000 | $660,000 |
| VA-guaranteed (Veterans Administration) | 266 | $49,278,000 | $185,000 | $1,550,000 | $54,000 | $388,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 70 | $8,400,000 | $120,000 | $275,000 | $42,000 | $75,000 |
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 | 1,717 | $278,785,000 | $162,000 | $999,000 | $69,000 | $503,000 |
| Application Withdrawn By Applicant | 904 | $162,173,000 | $179,000 | $1,365,000 | $65,000 | $660,000 |
| Application Denied By Financial Institution | 115 | $18,524,000 | $161,000 | $1,550,000 | $61,000 | $503,000 |
| File Closed For Incompleteness | 3 | $405,000 | $135,000 | $185,000 | $114,000 | $177,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 36 | $5,252,000 | $145,000 | $543,000 | $45,000 | $185,000 |
| Credit History | 28 | $3,975,000 | $141,000 | $417,000 | $51,000 | $172,000 |
| Collateral | 19 | $2,755,000 | $145,000 | $385,000 | $53,000 | $149,000 |
| Other | 18 | $4,391,000 | $243,000 | $1,550,000 | $117,000 | $503,000 |
| Employment History | 5 | $691,000 | $138,000 | $251,000 | $64,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $753,000 | $150,000 | $202,000 | $53,000 | $69,000 |
| Unverifiable Information | 3 | $559,000 | $186,000 | $281,000 | $83,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alliance Financial Resources's 2011 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 Alliance Financial Resources'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.
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