Arizona Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Arizona Bank & Trust of Phoenix, AZ reported 167 mortgage applications totaling $66.1 million, up 13% from 2016. The average application was for $395,910, and applicants reported an average income of $150,011. 40% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (138), Billings, MT (2) and San Antonio-New Braunfels, TX (2) (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 | 167 |
| Total Mortgage Loan Application Amount | $66,117,000 |
| Average Mortgage Loan Application Amount | $395,910 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $150,011 |
| Highest Applicant Income | $1,090,000 |
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Act (HMDA) records Arizona Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 138 | $ 51,347,000 | $ 372,079 | $ 147,000 |
| Billings, MT | 2 | $ 955,000 | $ 477,500 | $ 127,000 |
| San Antonio-New Braunfels, TX | 2 | $ 3,762,000 | $ 1,881,000 | $ 557,000 |
| Tucson, AZ | 2 | $ 582,000 | $ 291,000 | $ 117,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 424,000 | $ 424,000 | $ 157,000 |
| Elgin, IL | 1 | $ 185,000 | $ 185,000 | $ 116,000 |
| Flagstaff, AZ | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 132,000 | $ 132,000 | $ 40,000 |
| Fresno, CA | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 92,000 | $ 92,000 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 46,000 | $ 46,000 | $ 197,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 631,000 | $ 631,000 | $ 185,000 |
| Madera, CA | 1 | $ 193,000 | $ 193,000 | $ 78,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 335,000 | $ 335,000 | $ 426,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 290,000 | $ 290,000 | $ 125,000 |
| Prescott, AZ | 1 | $ 256,000 | $ 256,000 | $ 199,000 |
| Rockford, IL | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Salinas, CA | 1 | $ 870,000 | $ 870,000 | $ 321,000 |
| San Diego-Carlsbad, CA | 1 | $ 613,000 | $ 613,000 | $ 249,000 |
| Santa Fe, NM | 1 | $ 575,000 | $ 575,000 | $ 501,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 990,000 | $ 990,000 | $ 269,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 186,000 | $ 186,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Arizona Bank & Trust in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 88 | $37,169,000 | $422,000 | $2,000,000 | $143,000 | $557,000 |
| Refinancing | 56 | $25,844,000 | $461,000 | $1,960,000 | $175,000 | $1,090,000 |
| Home Improvement | 23 | $3,104,000 | $134,000 | $778,000 | $116,000 | $513,000 |
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 | 133 | $56,588,000 | $425,000 | $2,000,000 | $167,000 | $1,090,000 |
| Not applicable | 11 | $3,188,000 | $289,000 | $687,000 | $0 | $0 |
| Not Provided | 11 | $3,197,000 | $290,000 | $720,000 | $109,000 | $380,000 |
| Hispanic | 7 | $1,714,000 | $244,000 | $575,000 | $154,000 | $501,000 |
| Asian | 4 | $1,262,000 | $315,000 | $488,000 | $118,000 | $202,000 |
| Black or African American | 1 | $168,000 | $168,000 | $168,000 | $120,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 156 | $63,916,000 | $409,000 | $2,000,000 | $155,000 | $1,090,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,313,000 | $187,000 | $279,000 | $92,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 4 | $888,000 | $222,000 | $335,000 | $51,000 | $76,000 |
| 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 | 66 | $28,713,000 | $435,000 | $1,960,000 | $157,000 | $1,090,000 |
| Application Withdrawn By Applicant | 59 | $16,385,000 | $277,000 | $1,000,000 | $130,000 | $462,000 |
| Application Denied By Financial Institution | 19 | $10,492,000 | $552,000 | $2,000,000 | $124,000 | $557,000 |
| File Closed For Incompleteness | 15 | $6,560,000 | $437,000 | $940,000 | $172,000 | $501,000 |
| Application Approved But Not Accepted | 8 | $3,967,000 | $495,000 | $1,912,000 | $264,000 | $796,000 |
| 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 2017 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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