Arizona Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Arizona Bank & Trust of Phoenix, AZ reported 261 mortgage applications totaling $93.9 million, down 15% from 2013. The average application was for $359,724, and applicants reported an average income of $178,616. 36% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (181), Denver-Aurora-Lakewood, CO (8) and Dallas-Plano-Irving, TX (5) (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 | 261 |
| Total Mortgage Loan Application Amount | $93,888,000 |
| Average Mortgage Loan Application Amount | $359,724 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $178,616 |
| Highest Applicant Income | $2,220,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 178 | $ 75,685,000 | $ 425,196 | $ 240,000 |
| Coconino, Arizona | 4 | $ 2,299,000 | $ 574,750 | $ 133,000 |
| Duval, Florida | 4 | $ 433,000 | $ 108,250 | $ 0 |
| Harris, Texas | 4 | $ 520,000 | $ 130,000 | $ 0 |
| Anchorage, Alaska | 3 | $ 760,000 | $ 253,333 | $ 17,000 |
| Navajo, Arizona | 3 | $ 1,099,000 | $ 366,333 | $ 243,000 |
| Pinal, Arizona | 3 | $ 444,000 | $ 148,000 | $ 132,000 |
| Yavapai, Arizona | 3 | $ 3,458,000 | $ 1,152,666 | $ 114,000 |
| Denver, Colorado | 3 | $ 411,000 | $ 137,000 | $ 0 |
| Dallas, Texas | 3 | $ 328,000 | $ 109,333 | $ 0 |
| Riverside, California | 2 | $ 305,000 | $ 152,500 | $ 0 |
| Adams, Colorado | 2 | $ 328,000 | $ 164,000 | $ 132,000 |
| Jefferson, Colorado | 2 | $ 374,000 | $ 187,000 | $ 0 |
| Miami-Dade, Florida | 2 | $ 255,000 | $ 127,500 | $ 0 |
| Bernalillo, New Mexico | 2 | $ 422,000 | $ 211,000 | $ 70,000 |
| Denton, Texas | 2 | $ 294,000 | $ 147,000 | $ 47,000 |
| Fairfax, Virginia | 2 | $ 399,000 | $ 199,500 | $ 0 |
| Matanuska-Susitna, Alaska | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Pima, Arizona | 1 | $ 234,000 | $ 234,000 | $ 0 |
| San Luis Obispo, California | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Santa Cruz, California | 1 | $ 652,000 | $ 652,000 | $ 195,000 |
| Sonoma, California | 1 | $ 42,000 | $ 42,000 | $ 27,000 |
| Yuba, California | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Delta, Colorado | 1 | $ 106,000 | $ 106,000 | $ 0 |
| El Paso, Colorado | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Lake, Florida | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 82,000 | $ 82,000 | $ 192,000 |
| Osceola, Florida | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Putnam, Florida | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Granite, Montana | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Yellowstone, Montana | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Sandoval, New Mexico | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Ward, North Dakota | 1 | $ 196,000 | $ 196,000 | $ 71,000 |
| Clermont, Ohio | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 521,000 | $ 521,000 | $ 835,000 |
| Davidson, Tennessee | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Bastrop, Texas | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Cherokee, Texas | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Comal, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| El Paso, Texas | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Galveston, Texas | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Grayson, Texas | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Hays, Texas | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Parker, Texas | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Travis, Texas | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Williamson, Texas | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Henrico, Virginia | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Newport News, Virginia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Petersburg, Virginia | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 233,000 | $ 233,000 | $ 104,000 |
| Berkeley, West Virginia | 1 | $ 126,000 | $ 126,000 | $ 0 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2014
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 | 118 | $53,065,000 | $449,000 | $1,420,000 | $248,000 | $2,220,000 |
| Refinancing | 117 | $35,683,000 | $304,000 | $2,600,000 | $117,000 | $1,193,000 |
| Home Improvement | 26 | $5,140,000 | $197,000 | $1,190,000 | $141,000 | $451,000 |
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 | 188 | $68,749,000 | $365,000 | $2,100,000 | $197,000 | $2,220,000 |
| Not Provided | 39 | $16,795,000 | $430,000 | $1,615,000 | $201,000 | $896,000 |
| Hispanic | 22 | $3,592,000 | $163,000 | $480,000 | $36,000 | $167,000 |
| Not applicable | 4 | $3,123,000 | $780,000 | $2,600,000 | $0 | $0 |
| Asian | 3 | $1,180,000 | $393,000 | $880,000 | $257,000 | $632,000 |
| Black or African American | 3 | $342,000 | $114,000 | $135,000 | $8,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $107,000 | $53,000 | $82,000 | $123,000 | $192,000 |
| American Indian or Alaskan Native | 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) | 186 | $82,743,000 | $444,000 | $2,600,000 | $223,000 | $1,657,000 |
| FHA-insured (Federal Housing Administration) | 64 | $9,063,000 | $141,000 | $251,000 | $78,000 | $2,220,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,082,000 | $189,000 | $415,000 | $16,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 108 | $28,936,000 | $267,000 | $1,615,000 | $157,000 | $2,220,000 |
| Loan Originated | 94 | $50,519,000 | $537,000 | $2,600,000 | $244,000 | $1,392,000 |
| File Closed For Incompleteness | 35 | $8,029,000 | $229,000 | $910,000 | $61,000 | $557,000 |
| Application Approved But Not Accepted | 14 | $5,384,000 | $384,000 | $2,100,000 | $229,000 | $861,000 |
| Application Denied By Financial Institution | 9 | $796,000 | $88,000 | $337,000 | $152,000 | $451,000 |
| Loan Purchased By The Institution | 1 | $224,000 | $224,000 | $224,000 | $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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Arizona Bank & Trust's 2014 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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