Arizona Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Arizona Bank & Trust of Phoenix, AZ reported 72 mortgage applications totaling $11.7 million, up 22% from 2008. The average application was for $162,361, and applicants reported an average income of $117,388. 71% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (65), Lake Havasu City-Kingman, AZ (1) and Salt Lake City, UT (1) (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 | 72 |
| Total Mortgage Loan Application Amount | $11,690,000 |
| Average Mortgage Loan Application Amount | $162,361 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $117,388 |
| Highest Applicant Income | $1,740,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 65 | $ 10,484,000 | $ 161,292 | $ 121,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 250,000 | $ 250,000 | $ 60,000 |
| Salt Lake City, UT | 1 | $ 275,000 | $ 275,000 | $ 13,000 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2009
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 | 56 | $9,909,000 | $176,000 | $417,000 | $123,000 | $1,740,000 |
| Home Purchase | 12 | $1,625,000 | $135,000 | $387,000 | $77,000 | $378,000 |
| Home Improvement | 4 | $156,000 | $39,000 | $110,000 | $160,000 | $378,000 |
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 | 54 | $9,011,000 | $166,000 | $417,000 | $116,000 | $1,740,000 |
| Not Provided | 8 | $1,497,000 | $187,000 | $308,000 | $68,000 | $188,000 |
| Hispanic | 5 | $501,000 | $100,000 | $186,000 | $80,000 | $138,000 |
| Asian | 3 | $321,000 | $107,000 | $187,000 | $71,000 | $104,000 |
| American Indian or Alaskan Native | 1 | $91,000 | $91,000 | $91,000 | $46,000 | $46,000 |
| Not applicable | 1 | $269,000 | $269,000 | $269,000 | $993,000 | $993,000 |
| 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) | 72 | $11,690,000 | $162,000 | $417,000 | $117,000 | $1,740,000 |
| 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 | 51 | $8,122,000 | $159,000 | $417,000 | $108,000 | $993,000 |
| Application Approved But Not Accepted | 15 | $2,742,000 | $182,000 | $315,000 | $183,000 | $1,740,000 |
| Application Denied By Financial Institution | 3 | $119,000 | $39,000 | $99,000 | $38,000 | $65,000 |
| Application Withdrawn By Applicant | 1 | $292,000 | $292,000 | $292,000 | $70,000 | $70,000 |
| File Closed For Incompleteness | 1 | $275,000 | $275,000 | $275,000 | $13,000 | $13,000 |
| Preapproval Denied by Financial Institution | 1 | $140,000 | $140,000 | $140,000 | $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 2009 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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