Arizona Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Arizona Bank & Trust of Phoenix, AZ reported 308 mortgage applications totaling $105.3 million, down 22% from 2012. The average application was for $341,792, and applicants reported an average income of $155,454. 29% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (207), Dallas-Plano-Irving, TX (5) and Houston-Sugar Land-Baytown, TX (4) (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 | 308 |
| Total Mortgage Loan Application Amount | $105,272,000 |
| Average Mortgage Loan Application Amount | $341,792 |
| Highest Mortgage Loan Application Amount | $2,558,000 |
| Average Applicant Income | $155,454 |
| Highest Applicant Income | $1,749,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 207 | $ 84,927,000 | $ 410,275 | $ 202,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,119,000 | $ 223,800 | $ 134,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 605,000 | $ 151,250 | $ 87,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 628,000 | $ 157,000 | $ 60,000 |
| Prescott, AZ | 4 | $ 1,165,000 | $ 291,250 | $ 147,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 584,000 | $ 146,000 | $ 0 |
| Albuquerque, NM | 3 | $ 962,000 | $ 320,666 | $ 105,000 |
| Flagstaff, AZ | 3 | $ 2,852,000 | $ 950,666 | $ 116,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 643,000 | $ 214,333 | $ 44,000 |
| Stockton, CA | 3 | $ 479,000 | $ 159,666 | $ 0 |
| Tucson, AZ | 3 | $ 308,000 | $ 102,666 | $ 113,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 501,000 | $ 167,000 | $ 34,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 468,000 | $ 156,000 | $ 35,000 |
| Ann Arbor, MI | 2 | $ 179,000 | $ 89,500 | $ 244,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 436,000 | $ 218,000 | $ 135,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Fresno, CA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Provo-Orem, UT | 2 | $ 355,000 | $ 177,500 | $ 204,000 |
| Raleigh-Cary, NC | 2 | $ 235,000 | $ 117,500 | $ 22,000 |
| Richmond, VA | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 470,000 | $ 235,000 | $ 25,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 205,000 | $ 102,500 | $ 0 |
| Yakima, WA | 2 | $ 235,000 | $ 117,500 | $ 43,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 246,000 | $ 246,000 | $ 101,000 |
| Boulder, CO | 1 | $ 352,000 | $ 352,000 | $ 95,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Charlottesville, VA | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Chico, CA | 1 | $ 133,000 | $ 133,000 | $ 43,000 |
| College Station-Bryan, TX | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 122,000 | $ 122,000 | $ 100,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Green Bay, WI | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Gulfport-Biloxi, MS | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 129,000 | $ 129,000 | $ 67,000 |
| Joplin, MO | 1 | $ 100,000 | $ 100,000 | $ 111,000 |
| Lakeland-Winter Haven, FL | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 156,000 | $ 156,000 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 410,000 | $ 410,000 | $ 125,000 |
| New Haven-Milford, CT | 1 | $ 79,000 | $ 79,000 | $ 216,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 171,000 | $ 171,000 | $ 92,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Palm Coast, FL | 1 | $ 116,000 | $ 116,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Spokane, WA | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Warner Robins, GA | 1 | $ 244,000 | $ 244,000 | $ 0 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2013
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 | 180 | $61,763,000 | $343,000 | $2,558,000 | $133,000 | $1,749,000 |
| Home Purchase | 118 | $42,953,000 | $364,000 | $1,525,000 | $195,000 | $765,000 |
| Home Improvement | 10 | $556,000 | $55,000 | $250,000 | $93,000 | $158,000 |
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 | 167 | $62,417,000 | $373,000 | $2,100,000 | $172,000 | $1,749,000 |
| Not Provided | 110 | $33,384,000 | $303,000 | $1,525,000 | $157,000 | $1,540,000 |
| Hispanic | 17 | $3,553,000 | $209,000 | $536,000 | $72,000 | $245,000 |
| Not applicable | 6 | $3,813,000 | $635,000 | $2,558,000 | $0 | $0 |
| Black or African American | 5 | $1,612,000 | $322,000 | $1,000,000 | $134,000 | $458,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $379,000 | $189,000 | $294,000 | $0 | $0 |
| Asian | 1 | $114,000 | $114,000 | $114,000 | $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) | 227 | $91,887,000 | $404,000 | $2,558,000 | $201,000 | $1,749,000 |
| FHA-insured (Federal Housing Administration) | 51 | $8,373,000 | $164,000 | $318,000 | $41,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 29 | $4,837,000 | $166,000 | $385,000 | $9,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $175,000 | $175,000 | $175,000 | $82,000 | $82,000 |
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 | 160 | $39,244,000 | $245,000 | $1,845,000 | $97,000 | $612,000 |
| Loan Originated | 89 | $44,740,000 | $502,000 | $2,558,000 | $253,000 | $1,749,000 |
| File Closed For Incompleteness | 40 | $13,553,000 | $338,000 | $1,739,000 | $146,000 | $1,540,000 |
| Application Denied By Financial Institution | 13 | $5,505,000 | $423,000 | $1,175,000 | $225,000 | $702,000 |
| Application Approved But Not Accepted | 5 | $1,960,000 | $392,000 | $810,000 | $238,000 | $430,000 |
| Loan Purchased By The Institution | 1 | $270,000 | $270,000 | $270,000 | $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 2013 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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