Alpine Lending LLC Mortgage Lending & HMDA Data, 2004
In 2004, Alpine Lending LLC of Phoenix, AZ reported 3,496 mortgage applications totaling $478.3 million. The average application was for $136,810, and applicants reported an average income of $58,022. 45% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (1,652), Minneapolis-St. Paul-Bloomington, MN-WI (760) and Milwaukee-Waukesha-West Allis, WI (357) (applications in parentheses).
| Mortgage Company & Address | Alpine Lending LLC 2425 E Camelback Rd Suite 800 Phoenix, AZ 85016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 3,496 |
| Total Mortgage Loan Application Amount | $478,290,000 |
| Average Mortgage Loan Application Amount | $136,810 |
| Highest Mortgage Loan Application Amount | $1,715,000 |
| Average Applicant Income | $58,022 |
| Highest Applicant Income | $2,496,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alpine Lending LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 1,602 | $ 197,017,000 | $ 122,981 | $ 64,000 |
| Hennepin, Minnesota | 283 | $ 46,443,000 | $ 164,109 | $ 50,000 |
| Milwaukee, Wisconsin | 253 | $ 26,618,000 | $ 105,209 | $ 40,000 |
| Dakota, Minnesota | 140 | $ 23,674,000 | $ 169,100 | $ 65,000 |
| Anoka, Minnesota | 103 | $ 16,372,000 | $ 158,951 | $ 60,000 |
| Ramsey, Minnesota | 100 | $ 16,170,000 | $ 161,700 | $ 71,000 |
| Waukesha, Wisconsin | 62 | $ 11,319,000 | $ 182,564 | $ 69,000 |
| Denver, Colorado | 59 | $ 8,360,000 | $ 141,694 | $ 47,000 |
| Pinal, Arizona | 50 | $ 6,681,000 | $ 133,620 | $ 54,000 |
| Arapahoe, Colorado | 50 | $ 8,462,000 | $ 169,240 | $ 49,000 |
| Scott, Minnesota | 47 | $ 8,512,000 | $ 181,106 | $ 74,000 |
| Adams, Colorado | 44 | $ 6,725,000 | $ 152,840 | $ 43,000 |
| Jefferson, Colorado | 37 | $ 7,376,000 | $ 199,351 | $ 83,000 |
| Washington, Wisconsin | 34 | $ 5,265,000 | $ 154,852 | $ 69,000 |
| Washington, Minnesota | 33 | $ 6,629,000 | $ 200,878 | $ 71,000 |
| Pima, Arizona | 31 | $ 4,543,000 | $ 146,548 | $ 63,000 |
| Navajo, Arizona | 26 | $ 2,856,000 | $ 109,846 | $ 125,000 |
| Wright, Minnesota | 24 | $ 3,891,000 | $ 162,125 | $ 57,000 |
| Racine, Wisconsin | 23 | $ 2,642,000 | $ 114,869 | $ 60,000 |
| Marion, Indiana | 20 | $ 1,912,000 | $ 95,600 | $ 57,000 |
| St. Croix, Wisconsin | 20 | $ 3,931,000 | $ 196,550 | $ 47,000 |
| Rice, Minnesota | 16 | $ 1,570,000 | $ 98,125 | $ 39,000 |
| Yavapai, Arizona | 15 | $ 1,891,000 | $ 126,066 | $ 117,000 |
| Douglas, Colorado | 14 | $ 2,955,000 | $ 211,071 | $ 50,000 |
| Carver, Minnesota | 14 | $ 2,019,000 | $ 144,214 | $ 44,000 |
| Goodhue, Minnesota | 14 | $ 1,703,000 | $ 121,642 | $ 43,000 |
| Coconino, Arizona | 11 | $ 1,425,000 | $ 129,545 | $ 50,000 |
| Mohave, Arizona | 11 | $ 1,429,000 | $ 129,909 | $ 111,000 |
| Cochise, Arizona | 9 | $ 1,256,000 | $ 139,555 | $ 24,000 |
| Steele, Minnesota | 9 | $ 1,456,000 | $ 161,777 | $ 74,000 |
| McLeod, Minnesota | 8 | $ 975,000 | $ 121,875 | $ 37,000 |
| Harris, Texas | 8 | $ 1,295,000 | $ 161,875 | $ 136,000 |
| Ozaukee, Wisconsin | 8 | $ 2,030,000 | $ 253,750 | $ 106,000 |
| Walworth, Wisconsin | 8 | $ 934,000 | $ 116,750 | $ 50,000 |
| Boulder, Colorado | 7 | $ 1,497,000 | $ 213,857 | $ 70,000 |
| El Paso, Colorado | 7 | $ 985,000 | $ 140,714 | $ 19,000 |
| Weld, Colorado | 7 | $ 896,000 | $ 128,000 | $ 52,000 |
| Chisago, Minnesota | 7 | $ 1,139,000 | $ 162,714 | $ 46,000 |
| Le Sueur, Minnesota | 7 | $ 686,000 | $ 98,000 | $ 32,000 |
| Meeker, Minnesota | 7 | $ 733,000 | $ 104,714 | $ 41,000 |
| Sherburne, Minnesota | 7 | $ 1,419,000 | $ 202,714 | $ 55,000 |
| Pierce, Wisconsin | 7 | $ 1,316,000 | $ 188,000 | $ 101,000 |
| Elbert, Colorado | 6 | $ 707,000 | $ 117,833 | $ 69,000 |
| St. Louis, Minnesota | 6 | $ 988,000 | $ 164,666 | $ 66,000 |
| Yuma, Arizona | 5 | $ 396,000 | $ 79,200 | $ 23,000 |
| Itasca, Minnesota | 5 | $ 341,000 | $ 68,200 | $ 36,000 |
| Mower, Minnesota | 5 | $ 268,000 | $ 53,600 | $ 56,000 |
| Clark, Nevada | 5 | $ 829,000 | $ 165,800 | $ 115,000 |
| Washoe, Nevada | 5 | $ 1,608,000 | $ 321,600 | $ 74,000 |
| Broomfield, Colorado | 4 | $ 720,000 | $ 180,000 | $ 50,000 |
| Hendricks, Indiana | 4 | $ 537,000 | $ 134,250 | $ 60,000 |
| Olmsted, Minnesota | 4 | $ 389,000 | $ 97,250 | $ 39,000 |
| Waseca, Minnesota | 4 | $ 349,000 | $ 87,250 | $ 48,000 |
| Fort Bend, Texas | 4 | $ 331,000 | $ 82,750 | $ 49,000 |
| Tarrant, Texas | 4 | $ 465,000 | $ 116,250 | $ 66,000 |
| Dane, Wisconsin | 4 | $ 579,000 | $ 144,750 | $ 16,000 |
| Jefferson, Wisconsin | 4 | $ 556,000 | $ 139,000 | $ 33,000 |
| Apache, Arizona | 3 | $ 202,000 | $ 67,333 | $ 33,000 |
| Park, Colorado | 3 | $ 534,000 | $ 178,000 | $ 29,000 |
| Lake, Indiana | 3 | $ 472,000 | $ 157,333 | $ 59,000 |
| Bernalillo, New Mexico | 3 | $ 420,000 | $ 140,000 | $ 57,000 |
| Kenosha, Wisconsin | 3 | $ 347,000 | $ 115,666 | $ 83,000 |
| Rock, Wisconsin | 3 | $ 376,000 | $ 125,333 | $ 35,000 |
| Gila, Arizona | 2 | $ 235,000 | $ 117,500 | $ 0 |
| Pitkin, Colorado | 2 | $ 761,000 | $ 380,500 | $ 190,000 |
| Twin Falls, Idaho | 2 | $ 130,000 | $ 65,000 | $ 35,000 |
| Daviess, Indiana | 2 | $ 85,000 | $ 42,500 | $ 48,000 |
| Delaware, Indiana | 2 | $ 369,000 | $ 184,500 | $ 100,000 |
| Floyd, Indiana | 2 | $ 236,000 | $ 118,000 | $ 94,000 |
| Hamilton, Indiana | 2 | $ 220,000 | $ 110,000 | $ 92,000 |
| Monroe, Indiana | 2 | $ 161,000 | $ 80,500 | $ 34,000 |
| Blue Earth, Minnesota | 2 | $ 154,000 | $ 77,000 | $ 59,000 |
| Crow Wing, Minnesota | 2 | $ 305,000 | $ 152,500 | $ 54,000 |
| Douglas, Minnesota | 2 | $ 202,000 | $ 101,000 | $ 15,000 |
| Isanti, Minnesota | 2 | $ 278,000 | $ 139,000 | $ 35,000 |
| Nicollet, Minnesota | 2 | $ 274,000 | $ 137,000 | $ 59,000 |
| Otter Tail, Minnesota | 2 | $ 268,000 | $ 134,000 | $ 63,000 |
| Winona, Minnesota | 2 | $ 371,000 | $ 185,500 | $ 58,000 |
| Collin, Texas | 2 | $ 268,000 | $ 134,000 | $ 0 |
| Dallas, Texas | 2 | $ 245,000 | $ 122,500 | $ 0 |
| Travis, Texas | 2 | $ 230,000 | $ 115,000 | $ 70,000 |
| Converse, Wyoming | 2 | $ 334,000 | $ 167,000 | $ 35,000 |
| Baca, Colorado | 1 | $ 80,000 | $ 80,000 | $ 68,000 |
| Eagle, Colorado | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Fremont, Colorado | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Garfield, Colorado | 1 | $ 271,000 | $ 271,000 | $ 103,000 |
| Gilpin, Colorado | 1 | $ 231,000 | $ 231,000 | $ 73,000 |
| Pueblo, Colorado | 1 | $ 93,000 | $ 93,000 | $ 45,000 |
| Allen, Indiana | 1 | $ 93,000 | $ 93,000 | $ 104,000 |
| Jackson, Indiana | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Jasper, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lawrence, Indiana | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Madison, Indiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Miami, Indiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Putnam, Indiana | 1 | $ 142,000 | $ 142,000 | $ 77,000 |
| St. Joseph, Indiana | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Vigo, Indiana | 1 | $ 32,000 | $ 32,000 | $ 38,000 |
| Becker, Minnesota | 1 | $ 190,000 | $ 190,000 | $ 68,000 |
| Carlton, Minnesota | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Cass, Minnesota | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Lyon, Minnesota | 1 | $ 62,000 | $ 62,000 | $ 32,000 |
| Marshall, Minnesota | 1 | $ 77,000 | $ 77,000 | $ 48,000 |
| Martin, Minnesota | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Norman, Minnesota | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Pine, Minnesota | 1 | $ 153,000 | $ 153,000 | $ 50,000 |
| Redwood, Minnesota | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| Stearns, Minnesota | 1 | $ 84,000 | $ 84,000 | $ 56,000 |
| Wabasha, Minnesota | 1 | $ 166,000 | $ 166,000 | $ 56,000 |
| Flathead, Montana | 1 | $ 350,000 | $ 350,000 | $ 51,000 |
| Ravalli, Montana | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Sanders, Montana | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Churchill, Nevada | 1 | $ 188,000 | $ 188,000 | $ 108,000 |
| Elko, Nevada | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lyon, Nevada | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Nye, Nevada | 1 | $ 70,000 | $ 70,000 | $ 16,000 |
| Colfax, New Mexico | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Dona Ana, New Mexico | 1 | $ 149,000 | $ 149,000 | $ 240,000 |
| Eddy, New Mexico | 1 | $ 77,000 | $ 77,000 | $ 0 |
| San Juan, New Mexico | 1 | $ 140,000 | $ 140,000 | $ 74,000 |
| Douglas, Oregon | 1 | $ 73,000 | $ 73,000 | $ 48,000 |
| Bell, Texas | 1 | $ 74,000 | $ 74,000 | $ 92,000 |
| Bexar, Texas | 1 | $ 107,000 | $ 107,000 | $ 47,000 |
| Brazos, Texas | 1 | $ 83,000 | $ 83,000 | $ 34,000 |
| Brown, Texas | 1 | $ 158,000 | $ 158,000 | $ 60,000 |
| El Paso, Texas | 1 | $ 48,000 | $ 48,000 | $ 55,000 |
| Shelby, Texas | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Val Verde, Texas | 1 | $ 128,000 | $ 128,000 | $ 73,000 |
| Bayfield, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Brown, Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 29,000 |
| Door, Wisconsin | 1 | $ 119,000 | $ 119,000 | $ 64,000 |
| Green Lake, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lincoln, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Marathon, Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Marquette, Wisconsin | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Oneida, Wisconsin | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Outagamie, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 82,000 |
| Portage, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 24,000 |
| Sheboygan, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Winnebago, Wisconsin | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Campbell, Wyoming | 1 | $ 133,000 | $ 133,000 | $ 137,000 |
| Laramie, Wyoming | 1 | $ 158,000 | $ 158,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Alpine Lending LLC in 2004
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 | 2,722 | $373,534,000 | $140,916 | $1,690,000 | $51,833 | $2,496,000 |
| Home Purchase | 774 | $104,756,000 | $143,090 | $1,715,000 | $60,181 | $1,800,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,525 | $205,866,000 | $144,000 | $1,690,000 | $37,545 | $1,182,000 |
| White | 1,446 | $210,994,000 | $146,727 | $1,715,000 | $79,636 | $2,496,000 |
| Hispanic | 324 | $35,989,000 | $116,571 | $320,000 | $42,857 | $216,000 |
| Black or African American | 113 | $13,510,000 | $116,428 | $357,000 | $53,714 | $204,000 |
| Asian | 71 | $9,978,000 | $166,600 | $295,000 | $93,000 | $356,000 |
| American Indian or Alaskan Native | 12 | $1,380,000 | $133,250 | $208,000 | $56,750 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $573,000 | $113,000 | $130,000 | $72,500 | $99,000 |
| 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) | 3,351 | $460,397,000 | $136,000 | $1,715,000 | $56,538 | $2,496,000 |
| FHA-insured (Federal Housing Administration) | 145 | $17,893,000 | $130,200 | $266,000 | $31,600 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,583 | $214,791,000 | $130,800 | $1,000,000 | $69,700 | $2,496,000 |
| Application Withdrawn By Applicant | 1,272 | $173,707,000 | $143,333 | $1,690,000 | $34,166 | $1,182,000 |
| Application Denied By Financial Institution | 405 | $58,485,000 | $146,333 | $1,715,000 | $61,666 | $1,800,000 |
| Application Approved But Not Accepted | 141 | $17,825,000 | $162,111 | $560,000 | $82,444 | $336,000 |
| File Closed For Incompleteness | 95 | $13,482,000 | $160,200 | $362,000 | $65,200 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 139 | $20,640,000 | $175,142 | $516,000 | $50,428 | $352,000 |
| Credit History | 103 | $14,219,000 | $127,714 | $715,000 | $52,714 | $252,000 |
| Other | 64 | $7,315,000 | $158,666 | $347,000 | $99,166 | $356,000 |
| Collateral | 27 | $3,379,000 | $109,000 | $406,000 | $63,166 | $289,000 |
| Unverifiable Information | 10 | $1,419,000 | $149,500 | $266,000 | $61,500 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $624,000 | $96,000 | $182,000 | $51,666 | $83,000 |
| Employment History | 5 | $678,000 | $147,000 | $243,000 | $92,500 | $240,000 |
| Mortgage Insurance Denied | 1 | $72,000 | $72,000 | $72,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alpine Lending LLC's 2004 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 Alpine Lending LLC'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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