Arizona Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Arizona Bank & Trust of Phoenix, AZ reported 233 mortgage applications totaling $181.4 million, up 628% from 2020. The average application was for $778,433, and applicants reported an average income of $250,274. 65% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (215), Flagstaff, AZ (4) and Prescott Valley-Prescott, AZ (3) (applications in parentheses).
| Mortgage Company & Address | Arizona Bank & Trust 2036 E Camelback Rd Phoenix, AZ 85016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 233 |
| Total Mortgage Loan Application Amount | $181,375,000 |
| Average Mortgage Loan Application Amount | $778,433 |
| Highest Mortgage Loan Application Amount | $52,005,000 |
| Average Applicant Income | $250,274 |
| Highest Applicant Income | $2,678,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2021
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 | 109 | $139,085,000 | $1,276,000 | $52,005,000 | $292,000 | $2,678,000 |
| Home Improvement | 72 | $6,530,000 | $90,000 | $405,000 | $159,000 | $1,104,000 |
| Other Purpose | 32 | $4,840,000 | $151,000 | $845,000 | $233,000 | $2,122,000 |
| Home Purchase | 14 | $23,000,000 | $1,642,000 | $10,255,000 | $395,000 | $976,000 |
| Cash-out Refinancing | 6 | $7,920,000 | $1,320,000 | $1,915,000 | $342,000 | $584,000 |
| Not Applicable | 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 | 143 | $53,325,000 | $372,000 | $3,035,000 | $241,000 | $2,678,000 |
| Not Provided | 58 | $17,650,000 | $304,000 | $2,175,000 | $278,000 | $1,251,000 |
| Hispanic | 20 | $4,520,000 | $226,000 | $1,855,000 | $150,000 | $551,000 |
| Not applicable | 6 | $101,170,000 | $16,861,000 | $52,005,000 | $0 | $0 |
| Asian | 2 | $2,980,000 | $1,490,000 | $2,955,000 | $424,000 | $679,000 |
| Black or African American | 2 | $1,060,000 | $530,000 | $685,000 | $291,000 | $376,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $175,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 233 | $181,375,000 | $778,000 | $52,005,000 | $247,000 | $2,678,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 151 | $61,245,000 | $405,000 | $3,035,000 | $299,000 | $2,678,000 |
| Application Denied By Financial Institution | 55 | $16,195,000 | $294,000 | $2,955,000 | $150,000 | $1,104,000 |
| Application Withdrawn By Applicant | 22 | $102,610,000 | $4,664,000 | $52,005,000 | $131,000 | $365,000 |
| Application Approved But Not Accepted | 5 | $1,325,000 | $265,000 | $605,000 | $152,000 | $246,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 178 | $165,180,000 | $927,000 | $52,005,000 | $278,000 | $2,678,000 |
| Debt-To-Income Ratio | 33 | $12,135,000 | $367,000 | $2,955,000 | $126,000 | $679,000 |
| Collateral | 8 | $520,000 | $65,000 | $105,000 | $246,000 | $1,104,000 |
| Credit Application Incomplete | 6 | $3,050,000 | $508,000 | $1,175,000 | $171,000 | $501,000 |
| Credit History | 6 | $360,000 | $60,000 | $105,000 | $85,000 | $149,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $65,000 | $225,000 | $240,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Arizona Bank & Trust's 2021 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 Arizona Bank & Trust'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.
For a list of all lenders in Arizona, download the full spreadsheet
with aggregated HMDA statistics today.
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