Arizona Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Arizona Bank & Trust of Phoenix, AZ reported 148 mortgage applications totaling $56.1 million, down 32% from 2015. The average application was for $378,878, and applicants reported an average income of $200,202. 36% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (138), Flagstaff, AZ (2) and Rockford, IL (2) (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 | 148 |
| Total Mortgage Loan Application Amount | $56,074,000 |
| Average Mortgage Loan Application Amount | $378,878 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $200,202 |
| Highest Applicant Income | $1,412,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 132 | $ 50,457,000 | $ 382,250 | $ 202,000 |
| Pinal, Arizona | 6 | $ 1,349,000 | $ 224,833 | $ 146,000 |
| Coconino, Arizona | 2 | $ 1,054,000 | $ 527,000 | $ 326,000 |
| San Diego, California | 2 | $ 2,008,000 | $ 1,004,000 | $ 383,000 |
| Winnebago, Illinois | 2 | $ 490,000 | $ 245,000 | $ 122,000 |
| Gila, Arizona | 1 | $ 260,000 | $ 260,000 | $ 100,000 |
| Adams, Colorado | 1 | $ 247,000 | $ 247,000 | $ 131,000 |
| Lake, Colorado | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Rock, Wisconsin | 1 | $ 64,000 | $ 64,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2016
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 | 72 | $29,488,000 | $409,000 | $1,700,000 | $240,000 | $1,412,000 |
| Refinancing | 57 | $24,582,000 | $431,000 | $3,200,000 | $167,000 | $550,000 |
| Home Improvement | 19 | $2,004,000 | $105,000 | $676,000 | $149,000 | $503,000 |
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 | 119 | $44,206,000 | $371,000 | $1,700,000 | $227,000 | $1,412,000 |
| Not Provided | 8 | $4,815,000 | $601,000 | $3,200,000 | $121,000 | $315,000 |
| Hispanic | 7 | $2,183,000 | $311,000 | $685,000 | $119,000 | $218,000 |
| Not applicable | 6 | $3,030,000 | $505,000 | $1,168,000 | $0 | $0 |
| Asian | 5 | $1,432,000 | $286,000 | $571,000 | $89,000 | $191,000 |
| Black or African American | 3 | $408,000 | $136,000 | $174,000 | $90,000 | $199,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 140 | $54,702,000 | $390,000 | $3,200,000 | $208,000 | $1,412,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,372,000 | $171,000 | $271,000 | $51,000 | $133,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 69 | $24,505,000 | $355,000 | $1,700,000 | $163,000 | $1,412,000 |
| Loan Originated | 54 | $25,426,000 | $470,000 | $3,200,000 | $271,000 | $809,000 |
| Application Denied By Financial Institution | 14 | $3,465,000 | $247,000 | $1,168,000 | $110,000 | $395,000 |
| Application Approved But Not Accepted | 8 | $1,846,000 | $230,000 | $900,000 | $188,000 | $381,000 |
| File Closed For Incompleteness | 3 | $832,000 | $277,000 | $417,000 | $217,000 | $360,000 |
| 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 | 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 2016 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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