Arizona Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Arizona Bank & Trust of Phoenix, AZ reported 395 mortgage applications totaling $124.1 million, up 13% from 2011. The average application was for $314,124, and applicants reported an average income of $186,230. 17% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (290), San Diego-Carlsbad-San Marcos, CA (11) and Denver-Aurora-Broomfield, CO (7) (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 | 395 |
| Total Mortgage Loan Application Amount | $124,079,000 |
| Average Mortgage Loan Application Amount | $314,124 |
| Highest Mortgage Loan Application Amount | $2,850,000 |
| Average Applicant Income | $186,230 |
| Highest Applicant Income | $9,515,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 290 | $ 92,816,000 | $ 320,055 | $ 184,000 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 10,079,000 | $ 916,272 | $ 404,000 |
| Denver-Aurora-Broomfield, CO | 7 | $ 1,700,000 | $ 242,857 | $ 52,000 |
| Dallas-Plano-Irving, TX | 5 | $ 829,000 | $ 165,800 | $ 11,000 |
| Flagstaff, AZ | 4 | $ 2,250,000 | $ 562,500 | $ 2,604,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 482,000 | $ 160,666 | $ 6,000 |
| San Antonio-New Braunfels, TX | 3 | $ 390,000 | $ 130,000 | $ 20,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 617,000 | $ 308,500 | $ 205,000 |
| Jacksonville, FL | 2 | $ 359,000 | $ 179,500 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 345,000 | $ 172,500 | $ 0 |
| Pittsburgh, PA | 2 | $ 548,000 | $ 274,000 | $ 143,000 |
| Prescott, AZ | 2 | $ 207,000 | $ 103,500 | $ 91,000 |
| Pueblo, CO | 2 | $ 441,000 | $ 220,500 | $ 0 |
| Richmond, VA | 2 | $ 325,000 | $ 162,500 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 992,000 | $ 496,000 | $ 396,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 329,000 | $ 164,500 | $ 0 |
| Tucson, AZ | 2 | $ 202,000 | $ 101,000 | $ 85,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 697,000 | $ 348,500 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 185,000 | $ 185,000 | $ 130,000 |
| Bakersfield-Delano, CA | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Cheyenne, WY | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Green Bay, WI | 1 | $ 161,000 | $ 161,000 | $ 102,000 |
| Hanford-Corcoran, CA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Lawton, OK | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Lynchburg, VA | 1 | $ 59,000 | $ 59,000 | $ 47,000 |
| Memphis, TN-MS-AR | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 217,000 | $ 217,000 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 409,000 | $ 409,000 | $ 196,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 385,000 | $ 385,000 | $ 180,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 306,000 | $ 306,000 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Spokane, WA | 1 | $ 170,000 | $ 170,000 | $ 92,000 |
| Valdosta, GA | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Victoria, TX | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Yuba City, CA | 1 | $ 113,000 | $ 113,000 | $ 0 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2012
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 | 259 | $84,391,000 | $325,000 | $2,850,000 | $145,000 | $1,092,000 |
| Home Purchase | 130 | $37,546,000 | $288,000 | $1,300,000 | $264,000 | $9,515,000 |
| Home Improvement | 6 | $2,142,000 | $357,000 | $1,658,000 | $281,000 | $707,000 |
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 | 210 | $75,271,000 | $358,000 | $2,850,000 | $255,000 | $9,515,000 |
| Not Provided | 162 | $43,624,000 | $269,000 | $1,685,000 | $110,000 | $1,470,000 |
| Hispanic | 12 | $2,817,000 | $234,000 | $1,350,000 | $83,000 | $350,000 |
| Asian | 9 | $2,108,000 | $234,000 | $397,000 | $115,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $168,000 | $168,000 | $168,000 | $50,000 | $50,000 |
| Not applicable | 1 | $91,000 | $91,000 | $91,000 | $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) | 302 | $107,221,000 | $355,000 | $2,850,000 | $239,000 | $9,515,000 |
| VA-guaranteed (Veterans Administration) | 47 | $9,330,000 | $198,000 | $586,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 46 | $7,528,000 | $163,000 | $271,000 | $33,000 | $180,000 |
| 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 | 263 | $72,721,000 | $276,000 | $2,850,000 | $119,000 | $1,092,000 |
| Loan Originated | 66 | $28,889,000 | $437,000 | $1,300,000 | $437,000 | $9,515,000 |
| File Closed For Incompleteness | 55 | $18,220,000 | $331,000 | $1,350,000 | $195,000 | $1,470,000 |
| Application Denied By Financial Institution | 10 | $4,134,000 | $413,000 | $1,658,000 | $244,000 | $707,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $102,000 | $102,000 |
| 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 2012 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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