Arizona Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Arizona Bank & Trust of Phoenix, AZ reported 40 mortgage applications totaling $8.6 million, down 29% from 2006. The average application was for $215,750, and applicants reported an average income of $126,175. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (36) and Salt Lake City, UT (1).
| 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 | 40 |
| Total Mortgage Loan Application Amount | $8,630,000 |
| Average Mortgage Loan Application Amount | $215,750 |
| Highest Mortgage Loan Application Amount | $920,000 |
| Average Applicant Income | $126,175 |
| Highest Applicant Income | $978,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-Scottsdale, AZ | 36 | $ 8,126,000 | $ 225,722 | $ 135,000 |
| Salt Lake City, UT | 1 | $ 250,000 | $ 250,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2007
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 | 20 | $3,917,000 | $195,000 | $400,000 | $113,000 | $978,000 |
| Home Purchase | 19 | $4,709,000 | $247,000 | $920,000 | $146,000 | $516,000 |
| Home Improvement | 1 | $4,000 | $4,000 | $4,000 | $13,000 | $13,000 |
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 | 28 | $6,048,000 | $216,000 | $920,000 | $118,000 | $978,000 |
| Hispanic | 7 | $1,716,000 | $245,000 | $800,000 | $120,000 | $516,000 |
| Asian | 2 | $464,000 | $232,000 | $412,000 | $300,000 | $300,000 |
| Not Provided | 2 | $312,000 | $156,000 | $172,000 | $152,000 | $257,000 |
| Not applicable | 1 | $90,000 | $90,000 | $90,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 40 | $8,630,000 | $215,000 | $920,000 | $126,000 | $978,000 |
| 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 | 37 | $8,394,000 | $226,000 | $920,000 | $134,000 | $978,000 |
| Preapproval Denied by Financial Institution | 1 | $64,000 | $64,000 | $64,000 | $19,000 | $19,000 |
| Application Approved But Not Accepted | 1 | $168,000 | $168,000 | $168,000 | $60,000 | $60,000 |
| Application Denied By Financial Institution | 1 | $4,000 | $4,000 | $4,000 | $13,000 | $13,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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 2007 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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