Arizona Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Arizona Bank & Trust of Phoenix, AZ reported 350 mortgage applications totaling $82.9 million, up 317% from 2010. The average application was for $236,737, and applicants reported an average income of $156,748. 65% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (248), Flagstaff, AZ (6) and Denver-Aurora-Broomfield, CO (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 | 350 |
| Total Mortgage Loan Application Amount | $82,858,000 |
| Average Mortgage Loan Application Amount | $236,737 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $156,748 |
| Highest Applicant Income | $1,989,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Glendale, AZ | 248 | $ 58,067,000 | $ 234,141 | $ 152,000 |
| Flagstaff, AZ | 6 | $ 1,442,000 | $ 240,333 | $ 157,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 969,000 | $ 193,800 | $ 79,000 |
| Salt Lake City, UT | 4 | $ 1,402,000 | $ 350,500 | $ 251,000 |
| Bangor, ME | 3 | $ 526,000 | $ 175,333 | $ 137,000 |
| Chicago-Joliet-Naperville, IL | 3 | $ 971,000 | $ 323,666 | $ 113,000 |
| Colorado Springs, CO | 3 | $ 489,000 | $ 163,000 | $ 23,000 |
| Fort Worth-Arlington, TX | 3 | $ 605,000 | $ 201,666 | $ 1,374,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 660,000 | $ 220,000 | $ 218,000 |
| Prescott, AZ | 3 | $ 350,000 | $ 116,666 | $ 30,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 820,000 | $ 273,333 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 591,000 | $ 197,000 | $ 83,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,568,000 | $ 522,666 | $ 215,000 |
| Tucson, AZ | 3 | $ 385,000 | $ 128,333 | $ 35,000 |
| Dallas-Plano-Irving, TX | 2 | $ 509,000 | $ 254,500 | $ 50,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 741,000 | $ 370,500 | $ 142,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 664,000 | $ 332,000 | $ 130,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 834,000 | $ 417,000 | $ 140,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,048,000 | $ 524,000 | $ 132,000 |
| Stockton, CA | 2 | $ 364,000 | $ 182,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Baltimore-Towson, MD | 1 | $ 300,000 | $ 300,000 | $ 192,000 |
| Barnstable Town, MA | 1 | $ 238,000 | $ 238,000 | $ 132,000 |
| Boston-Quincy, MA | 1 | $ 280,000 | $ 280,000 | $ 117,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 194,000 | $ 194,000 | $ 97,000 |
| Cheyenne, WY | 1 | $ 218,000 | $ 218,000 | $ 75,000 |
| Coeur D'Alene, ID | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 171,000 | $ 171,000 | $ 99,000 |
| Fresno, CA | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 221,000 | $ 221,000 | $ 124,000 |
| Kansas City, MO-KS | 1 | $ 141,000 | $ 141,000 | $ 51,000 |
| Lexington-Fayette, KY | 1 | $ 300,000 | $ 300,000 | $ 106,000 |
| Logan, UT-ID | 1 | $ 160,000 | $ 160,000 | $ 59,000 |
| Madison, WI | 1 | $ 207,000 | $ 207,000 | $ 69,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 217,000 | $ 217,000 | $ 191,000 |
| Naples-Marco Island, FL | 1 | $ 368,000 | $ 368,000 | $ 955,000 |
| Provo-Orem, UT | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Salinas, CA | 1 | $ 362,000 | $ 362,000 | $ 443,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 373,000 | $ 373,000 | $ 0 |
| Springfield, MO | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 204,000 | $ 204,000 | $ 45,000 |
| Yuba City, CA | 1 | $ 113,000 | $ 113,000 | $ 0 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2011
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 | 179 | $43,771,000 | $244,000 | $1,260,000 | $140,000 | $1,402,000 |
| Home Purchase | 169 | $39,031,000 | $230,000 | $1,061,000 | $176,000 | $1,989,000 |
| Home Improvement | 2 | $56,000 | $28,000 | $50,000 | $29,000 | $37,000 |
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 | 244 | $58,800,000 | $240,000 | $1,260,000 | $165,000 | $1,600,000 |
| Not Provided | 82 | $18,683,000 | $227,000 | $1,056,000 | $143,000 | $1,989,000 |
| Hispanic | 11 | $2,189,000 | $199,000 | $417,000 | $92,000 | $224,000 |
| Asian | 6 | $1,677,000 | $279,000 | $417,000 | $113,000 | $180,000 |
| Black or African American | 2 | $513,000 | $256,000 | $370,000 | $341,000 | $475,000 |
| American Indian or Alaskan Native | 2 | $331,000 | $165,000 | $203,000 | $246,000 | $396,000 |
| Not applicable | 2 | $487,000 | $243,000 | $417,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $178,000 | $178,000 | $178,000 | $94,000 | $94,000 |
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) | 301 | $72,749,000 | $241,000 | $1,260,000 | $172,000 | $1,989,000 |
| VA-guaranteed (Veterans Administration) | 28 | $6,220,000 | $222,000 | $373,000 | $28,000 | $208,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,889,000 | $185,000 | $323,000 | $106,000 | $298,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 228 | $53,006,000 | $232,000 | $1,260,000 | $160,000 | $1,402,000 |
| Application Withdrawn By Applicant | 61 | $16,649,000 | $272,000 | $1,225,000 | $173,000 | $1,989,000 |
| Application Denied By Financial Institution | 30 | $6,417,000 | $213,000 | $865,000 | $102,000 | $475,000 |
| Application Approved But Not Accepted | 15 | $2,195,000 | $146,000 | $417,000 | $127,000 | $420,000 |
| File Closed For Incompleteness | 15 | $4,174,000 | $278,000 | $620,000 | $192,000 | $955,000 |
| Loan Purchased By The Institution | 1 | $417,000 | $417,000 | $417,000 | $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 2011 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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