Arizona Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Arizona Bank & Trust of Phoenix, AZ reported 218 mortgage applications totaling $68.7 million, down 16% from 2014. The average application was for $315,279, and applicants reported an average income of $148,068. 23% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (181), Omaha-Council Bluffs, NE-IA (4) and Tucson, AZ (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 | 218 |
| Total Mortgage Loan Application Amount | $68,731,000 |
| Average Mortgage Loan Application Amount | $315,279 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $148,068 |
| Highest Applicant Income | $1,140,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 181 | $ 59,753,000 | $ 330,127 | $ 157,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 1,058,000 | $ 264,500 | $ 155,000 |
| Tucson, AZ | 4 | $ 513,000 | $ 128,250 | $ 50,000 |
| Austin-Round Rock, TX | 2 | $ 442,000 | $ 221,000 | $ 62,000 |
| Flagstaff, AZ | 2 | $ 604,000 | $ 302,000 | $ 271,000 |
| Missoula, MT | 2 | $ 299,000 | $ 149,500 | $ 40,000 |
| Prescott, AZ | 2 | $ 203,000 | $ 101,500 | $ 51,000 |
| San Diego-Carlsbad, CA | 2 | $ 993,000 | $ 496,500 | $ 64,000 |
| Boulder, CO | 1 | $ 200,000 | $ 200,000 | $ 36,000 |
| Coeur D'Alene, ID | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Columbus, OH | 1 | $ 156,000 | $ 156,000 | $ 95,000 |
| Dallas-Plano-Irving, TX | 1 | $ 461,000 | $ 461,000 | $ 92,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 320,000 | $ 320,000 | $ 81,000 |
| Grants Pass, OR | 1 | $ 346,000 | $ 346,000 | $ 119,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Jackson, TN | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 168,000 | $ 168,000 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Pueblo, CO | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Raleigh, NC | 1 | $ 127,000 | $ 127,000 | $ 48,000 |
| Tacoma-Lakewood, WA | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2015
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 | 109 | $34,506,000 | $316,000 | $2,000,000 | $144,000 | $1,140,000 |
| Home Purchase | 79 | $32,887,000 | $416,000 | $1,500,000 | $167,000 | $953,000 |
| Home Improvement | 30 | $1,338,000 | $44,000 | $206,000 | $113,000 | $503,000 |
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 | 157 | $52,754,000 | $336,000 | $2,000,000 | $162,000 | $1,140,000 |
| Not Provided | 24 | $7,331,000 | $305,000 | $1,350,000 | $160,000 | $522,000 |
| Hispanic | 18 | $4,258,000 | $236,000 | $905,000 | $89,000 | $400,000 |
| Asian | 10 | $3,091,000 | $309,000 | $660,000 | $98,000 | $294,000 |
| Not applicable | 5 | $608,000 | $121,000 | $323,000 | $0 | $0 |
| Black or African American | 3 | $522,000 | $174,000 | $262,000 | $90,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $167,000 | $167,000 | $167,000 | $115,000 | $115,000 |
| 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) | 180 | $60,817,000 | $337,000 | $2,000,000 | $169,000 | $1,140,000 |
| FHA-insured (Federal Housing Administration) | 23 | $4,475,000 | $194,000 | $630,000 | $32,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,439,000 | $229,000 | $426,000 | $72,000 | $200,000 |
| 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 | 125 | $34,963,000 | $279,000 | $1,689,000 | $123,000 | $1,140,000 |
| Loan Originated | 50 | $24,954,000 | $499,000 | $2,000,000 | $226,000 | $968,000 |
| File Closed For Incompleteness | 21 | $6,067,000 | $288,000 | $1,350,000 | $124,000 | $522,000 |
| Application Denied By Financial Institution | 17 | $1,387,000 | $81,000 | $628,000 | $100,000 | $558,000 |
| Application Approved But Not Accepted | 5 | $1,360,000 | $272,000 | $1,031,000 | $281,000 | $503,000 |
| 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 2015 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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