Alliance Financial Resources Mortgage Lending & HMDA Data, 2013
In 2013, Alliance Financial Resources of Phoenix, AZ reported 7,069 mortgage applications totaling $1.4 billion, up 60% from 2012. The average application was for $196,288, and applicants reported an average income of $69,762. 41% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (2,755), Lake Havasu City-Kingman, AZ (290) and Riverside-San Bernardino-Ontario, CA (240) (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 | 7,069 |
| Total Mortgage Loan Application Amount | $1,387,565,000 |
| Average Mortgage Loan Application Amount | $196,288 |
| Highest Mortgage Loan Application Amount | $2,004,000 |
| Average Applicant Income | $69,762 |
| Highest Applicant Income | $1,920,000 |
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records Alliance Financial Resources filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,755 | $ 527,113,000 | $ 191,329 | $ 71,000 |
| Lake Havasu City-Kingman, AZ | 290 | $ 37,354,000 | $ 128,806 | $ 58,000 |
| Riverside-San Bernardino-Ontario, CA | 240 | $ 56,790,000 | $ 236,625 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 202 | $ 63,741,000 | $ 315,549 | $ 85,000 |
| Albuquerque, NM | 201 | $ 32,101,000 | $ 159,706 | $ 58,000 |
| Tucson, AZ | 163 | $ 29,975,000 | $ 183,895 | $ 47,000 |
| Houston-Sugar Land-Baytown, TX | 144 | $ 24,627,000 | $ 171,020 | $ 110,000 |
| Oakland-Fremont-Hayward, CA | 100 | $ 31,815,000 | $ 318,150 | $ 93,000 |
| San Diego-Carlsbad-San Marcos, CA | 89 | $ 27,871,000 | $ 313,157 | $ 72,000 |
| Dallas-Plano-Irving, TX | 84 | $ 14,073,000 | $ 167,535 | $ 79,000 |
| Denver-Aurora-Broomfield, CO | 82 | $ 15,715,000 | $ 191,646 | $ 55,000 |
| Prescott, AZ | 81 | $ 13,921,000 | $ 171,864 | $ 62,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 80 | $ 19,419,000 | $ 242,737 | $ 112,000 |
| Seattle-Bellevue-Everett, WA | 73 | $ 18,388,000 | $ 251,890 | $ 84,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 66 | $ 14,495,000 | $ 219,621 | $ 86,878 |
| Austin-Round Rock-San Marcos, TX | 57 | $ 9,825,000 | $ 172,368 | $ 65,000 |
| Merced, CA | 52 | $ 8,205,000 | $ 157,788 | $ 48,000 |
| Bakersfield-Delano, CA | 51 | $ 8,414,000 | $ 164,980 | $ 57,000 |
| San Antonio-New Braunfels, TX | 50 | $ 9,569,000 | $ 191,380 | $ 59,000 |
| San Francisco-San Mateo-Redwood City, CA | 50 | $ 23,969,000 | $ 479,380 | $ 138,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 48 | $ 7,939,000 | $ 165,395 | $ 51,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 48 | $ 18,728,000 | $ 390,166 | $ 90,000 |
| Santa Ana-Anaheim-Irvine, CA | 47 | $ 17,136,000 | $ 364,595 | $ 99,000 |
| Birmingham-Hoover, AL | 44 | $ 5,661,000 | $ 128,659 | $ 54,000 |
| Tacoma, WA | 44 | $ 9,158,000 | $ 208,136 | $ 63,000 |
| Flagstaff, AZ | 39 | $ 8,579,000 | $ 219,974 | $ 85,000 |
| Fort Worth-Arlington, TX | 39 | $ 5,552,000 | $ 142,358 | $ 71,000 |
| Stockton, CA | 35 | $ 8,308,000 | $ 237,371 | $ 63,000 |
| Fresno, CA | 34 | $ 5,995,000 | $ 176,323 | $ 68,000 |
| Memphis, TN-MS-AR | 33 | $ 5,828,000 | $ 176,606 | $ 101,000 |
| Salt Lake City, UT | 33 | $ 6,241,000 | $ 189,121 | $ 71,000 |
| Spokane, WA | 33 | $ 5,827,000 | $ 176,575 | $ 50,000 |
| Colorado Springs, CO | 32 | $ 6,798,000 | $ 212,437 | $ 46,000 |
| Huntsville, AL | 31 | $ 6,288,000 | $ 202,838 | $ 65,000 |
| Vallejo-Fairfield, CA | 30 | $ 8,429,000 | $ 280,966 | $ 78,000 |
| Modesto, CA | 28 | $ 5,258,000 | $ 187,785 | $ 58,000 |
| Yuma, AZ | 28 | $ 5,042,000 | $ 180,071 | $ 25,000 |
| Montgomery, AL | 24 | $ 3,236,000 | $ 134,833 | $ 57,000 |
| Santa Rosa-Petaluma, CA | 21 | $ 7,004,000 | $ 333,523 | $ 72,000 |
| Bremerton-Silverdale, WA | 20 | $ 5,386,000 | $ 269,300 | $ 72,000 |
| Las Cruces, NM | 19 | $ 2,725,000 | $ 143,421 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | $ 6,188,000 | $ 325,684 | $ 87,000 |
| Des Moines-West Des Moines, IA | 17 | $ 2,071,000 | $ 121,823 | $ 59,000 |
| El Paso, TX | 17 | $ 2,229,000 | $ 131,117 | $ 46,000 |
| Knoxville, TN | 17 | $ 2,603,000 | $ 153,117 | $ 57,000 |
| Mobile, AL | 17 | $ 2,308,000 | $ 135,764 | $ 50,000 |
| Oklahoma City, OK | 17 | $ 1,942,000 | $ 114,235 | $ 51,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 17 | $ 6,495,000 | $ 382,058 | $ 74,000 |
| Provo-Orem, UT | 16 | $ 3,613,000 | $ 225,812 | $ 77,000 |
| San Luis Obispo-Paso Robles, CA | 16 | $ 4,669,000 | $ 291,812 | $ 70,000 |
| Kennewick-Pasco-Richland, WA | 15 | $ 2,847,000 | $ 189,800 | $ 86,000 |
| Ogden-Clearfield, UT | 15 | $ 4,001,000 | $ 266,733 | $ 49,000 |
| Olympia, WA | 15 | $ 3,555,000 | $ 237,000 | $ 66,000 |
| Salinas, CA | 15 | $ 3,688,000 | $ 245,866 | $ 60,000 |
| Killeen-Temple-Fort Hood, TX | 14 | $ 2,301,000 | $ 164,357 | $ 43,000 |
| McAllen-Edinburg-Mission, TX | 14 | $ 2,335,000 | $ 166,785 | $ 167,000 |
| Salem, OR | 14 | $ 2,435,000 | $ 173,928 | $ 51,000 |
| St. George, UT | 14 | $ 2,820,000 | $ 201,428 | $ 59,000 |
| Visalia-Porterville, CA | 14 | $ 1,978,000 | $ 141,285 | $ 39,000 |
| Beaumont-Port Arthur, TX | 13 | $ 1,639,000 | $ 126,076 | $ 74,000 |
| Longview, WA | 13 | $ 2,326,000 | $ 178,923 | $ 44,000 |
| Boise City-Nampa, ID | 12 | $ 1,994,000 | $ 166,166 | $ 53,000 |
| El Centro, CA | 12 | $ 1,717,000 | $ 143,083 | $ 41,000 |
| Louisville/Jefferson County, KY-IN | 12 | $ 1,852,000 | $ 154,333 | $ 59,000 |
| Tyler, TX | 12 | $ 1,766,000 | $ 147,166 | $ 65,000 |
| Clarksville, TN-KY | 11 | $ 1,675,000 | $ 152,272 | $ 51,000 |
| Lubbock, TX | 11 | $ 1,465,000 | $ 133,181 | $ 65,000 |
| Bellingham, WA | 10 | $ 1,854,000 | $ 185,400 | $ 64,000 |
| Chattanooga, TN-GA | 10 | $ 1,809,000 | $ 180,900 | $ 59,000 |
| Greeley, CO | 10 | $ 1,528,000 | $ 152,800 | $ 75,000 |
| Kansas City, MO-KS | 10 | $ 1,323,000 | $ 132,300 | $ 59,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 4,591,000 | $ 459,100 | $ 113,000 |
| Yakima, WA | 10 | $ 1,617,000 | $ 161,700 | $ 40,000 |
| Grand Junction, CO | 9 | $ 2,217,000 | $ 246,333 | $ 59,000 |
| Tulsa, OK | 9 | $ 937,000 | $ 104,111 | $ 56,000 |
| Amarillo, TX | 8 | $ 1,736,000 | $ 217,000 | $ 98,000 |
| Coeur D'Alene, ID | 8 | $ 1,382,000 | $ 172,750 | $ 60,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 1,086,000 | $ 135,750 | $ 54,000 |
| Medford, OR | 8 | $ 2,104,000 | $ 263,000 | $ 77,000 |
| Santa Fe, NM | 8 | $ 1,886,000 | $ 235,750 | $ 85,000 |
| Tuscaloosa, AL | 8 | $ 1,139,000 | $ 142,375 | $ 41,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,513,000 | $ 216,142 | $ 68,000 |
| Idaho Falls, ID | 7 | $ 814,000 | $ 116,285 | $ 31,000 |
| Madera-Chowchilla, CA | 7 | $ 1,045,000 | $ 149,285 | $ 45,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 901,000 | $ 128,714 | $ 53,000 |
| Redding, CA | 7 | $ 1,494,000 | $ 213,428 | $ 70,000 |
| Wichita, KS | 7 | $ 766,000 | $ 109,428 | $ 48,000 |
| Bismarck, ND | 6 | $ 1,222,000 | $ 203,666 | $ 36,000 |
| Cedar Rapids, IA | 6 | $ 568,000 | $ 94,666 | $ 30,000 |
| Chico, CA | 6 | $ 997,000 | $ 166,166 | $ 65,000 |
| College Station-Bryan, TX | 6 | $ 724,000 | $ 120,666 | $ 54,000 |
| Corpus Christi, TX | 6 | $ 830,000 | $ 138,333 | $ 75,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 659,000 | $ 109,833 | $ 50,000 |
| Decatur, AL | 6 | $ 661,000 | $ 110,166 | $ 40,000 |
| Dothan, AL | 6 | $ 928,000 | $ 154,666 | $ 20,000 |
| Eugene-Springfield, OR | 6 | $ 1,066,000 | $ 177,666 | $ 47,000 |
| Florence-Muscle Shoals, AL | 6 | $ 708,000 | $ 118,000 | $ 55,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 879,000 | $ 146,500 | $ 83,000 |
| Waco, TX | 6 | $ 677,000 | $ 112,833 | $ 47,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 759,000 | $ 126,500 | $ 58,000 |
| Brownsville-Harlingen, TX | 5 | $ 751,000 | $ 150,200 | $ 50,000 |
| Cleveland, TN | 5 | $ 933,000 | $ 186,600 | $ 65,000 |
| Laredo, TX | 5 | $ 697,000 | $ 139,400 | $ 65,000 |
| Napa, CA | 5 | $ 2,221,000 | $ 444,200 | $ 106,000 |
| Victoria, TX | 5 | $ 936,000 | $ 187,200 | $ 102,000 |
| Yuba City, CA | 5 | $ 935,000 | $ 187,000 | $ 53,000 |
| Auburn-Opelika, AL | 4 | $ 685,000 | $ 171,250 | $ 64,000 |
| Bend, OR | 4 | $ 451,000 | $ 112,750 | $ 50,000 |
| Lexington-Fayette, KY | 4 | $ 406,000 | $ 101,500 | $ 41,000 |
| Longview, TX | 4 | $ 522,000 | $ 130,500 | $ 36,000 |
| Pocatello, ID | 4 | $ 370,000 | $ 92,500 | $ 41,000 |
| Abilene, TX | 3 | $ 354,000 | $ 118,000 | $ 57,000 |
| Anniston-Oxford, AL | 3 | $ 522,000 | $ 174,000 | $ 51,000 |
| Farmington, NM | 3 | $ 471,000 | $ 157,000 | $ 64,000 |
| Hanford-Corcoran, CA | 3 | $ 641,000 | $ 213,666 | $ 25,000 |
| Iowa City, IA | 3 | $ 333,000 | $ 111,000 | $ 57,000 |
| Jackson, TN | 3 | $ 296,000 | $ 98,666 | $ 45,000 |
| Johnson City, TN | 3 | $ 307,000 | $ 102,333 | $ 71,000 |
| Madison, WI | 3 | $ 489,000 | $ 163,000 | $ 48,000 |
| Midland, TX | 3 | $ 336,000 | $ 112,000 | $ 59,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 919,000 | $ 306,333 | $ 61,000 |
| Pueblo, CO | 3 | $ 524,000 | $ 174,666 | $ 108,000 |
| Racine, WI | 3 | $ 458,000 | $ 152,666 | $ 41,000 |
| Sherman-Denison, TX | 3 | $ 286,000 | $ 95,333 | $ 73,000 |
| Topeka, KS | 3 | $ 329,000 | $ 109,666 | $ 63,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 627,000 | $ 209,000 | $ 75,000 |
| Columbus, GA-AL | 2 | $ 435,000 | $ 217,500 | $ 36,000 |
| Corvallis, OR | 2 | $ 365,000 | $ 182,500 | $ 67,000 |
| Fargo, ND-MN | 2 | $ 403,000 | $ 201,500 | $ 29,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 393,000 | $ 196,500 | $ 83,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 185,000 | $ 92,500 | $ 40,000 |
| Lewiston, ID-WA | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Logan, UT-ID | 2 | $ 380,000 | $ 190,000 | $ 174,500 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 337,000 | $ 168,500 | $ 56,000 |
| Morristown, TN | 2 | $ 181,000 | $ 90,500 | $ 51,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 655,000 | $ 327,500 | $ 60,000 |
| Odessa, TX | 2 | $ 275,000 | $ 137,500 | $ 101,000 |
| San Angelo, TX | 2 | $ 209,000 | $ 104,500 | $ 31,000 |
| Wichita Falls, TX | 2 | $ 270,000 | $ 135,000 | $ 80,000 |
| Ames, IA | 1 | $ 128,000 | $ 128,000 | $ 58,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 84,000 | $ 84,000 | $ 35,000 |
| Dubuque, IA | 1 | $ 78,000 | $ 78,000 | $ 62,000 |
| Elizabethtown, KY | 1 | $ 111,000 | $ 111,000 | $ 57,000 |
| Evansville, IN-KY | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Gadsden, AL | 1 | $ 131,000 | $ 131,000 | $ 44,000 |
| Grand Forks, ND-MN | 1 | $ 167,000 | $ 167,000 | $ 60,000 |
| Manhattan, KS | 1 | $ 141,000 | $ 141,000 | $ 57,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 82,000 | $ 82,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Alliance Financial Resources in 2013
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 | 4,577 | $925,914,000 | $202,000 | $2,004,000 | $68,000 | $1,920,000 |
| Home Purchase | 2,492 | $461,651,000 | $185,000 | $781,000 | $73,000 | $1,009,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,933 | $776,235,000 | $197,000 | $2,004,000 | $75,000 | $1,920,000 |
| Not Provided | 1,418 | $315,173,000 | $222,000 | $875,000 | $71,000 | $1,440,000 |
| Hispanic | 1,242 | $199,451,000 | $160,000 | $637,000 | $55,000 | $1,400,000 |
| Black or African American | 267 | $51,757,000 | $193,000 | $1,248,000 | $58,000 | $490,000 |
| Asian | 158 | $34,800,000 | $220,000 | $697,000 | $82,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $5,663,000 | $217,000 | $565,000 | $69,000 | $163,000 |
| American Indian or Alaskan Native | 25 | $4,486,000 | $179,000 | $625,000 | $75,000 | $177,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,360 | $675,551,000 | $201,000 | $1,470,000 | $93,000 | $1,920,000 |
| FHA-insured (Federal Housing Administration) | 2,080 | $360,939,000 | $173,000 | $985,000 | $55,000 | $1,100,000 |
| VA-guaranteed (Veterans Administration) | 1,479 | $329,991,000 | $223,000 | $2,004,000 | $40,000 | $749,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 150 | $21,084,000 | $140,000 | $426,000 | $46,000 | $231,000 |
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 | 2,872 | $563,792,000 | $196,000 | $1,142,000 | $62,000 | $1,009,000 |
| Application Withdrawn By Applicant | 2,788 | $548,809,000 | $196,000 | $2,004,000 | $74,000 | $1,920,000 |
| File Closed For Incompleteness | 1,161 | $232,953,000 | $200,000 | $1,248,000 | $80,000 | $1,476,000 |
| Application Denied By Financial Institution | 243 | $41,052,000 | $168,000 | $743,000 | $66,000 | $449,000 |
| Application Approved But Not Accepted | 5 | $959,000 | $191,000 | $232,000 | $83,000 | $243,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 64 | $11,592,000 | $181,000 | $509,000 | $75,000 | $300,000 |
| Credit History | 51 | $9,481,000 | $185,000 | $616,000 | $54,000 | $183,000 |
| Debt-To-Income Ratio | 33 | $5,277,000 | $159,000 | $405,000 | $83,000 | $449,000 |
| Other | 22 | $3,644,000 | $165,000 | $743,000 | $79,000 | $225,000 |
| Unverifiable Information | 11 | $1,405,000 | $127,000 | $248,000 | $82,000 | $270,000 |
| Employment History | 10 | $1,466,000 | $146,000 | $216,000 | $30,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,068,000 | $118,000 | $201,000 | $46,000 | $94,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alliance Financial Resources's 2013 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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