Axis Mortgage & Investments Mortgage Lending & HMDA Data, 2006
In 2006, Axis Mortgage & Investments of Phoenix, AZ reported 7,856 mortgage applications totaling $1.6 billion, up 1% from 2005. The average application was for $206,193, and applicants reported an average income of $107,048. 39% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,865), Denver-Aurora, CO (565) and Los Angeles-Long Beach-Glendale, CA (514) (applications in parentheses).
| Mortgage Company & Address | Axis Mortgage & Investments 5055 N 32nd Street Phoenix, AZ 85018 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 |
| Total Number of Mortgage Applications | 7,856 |
| Total Mortgage Loan Application Amount | $1,619,856,000 |
| Average Mortgage Loan Application Amount | $206,193 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $107,048 |
| Highest Applicant Income | $8,875,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Axis Mortgage & Investments filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,865 | $ 506,120,000 | $ 176,656 | $ 92,000 |
| Denver-Aurora, CO | 565 | $ 104,377,000 | $ 184,738 | $ 98,000 |
| Los Angeles-Long Beach-Glendale, CA | 514 | $ 169,913,000 | $ 330,570 | $ 138,000 |
| Riverside-San Bernardino-Ontario, CA | 414 | $ 104,589,000 | $ 252,630 | $ 131,000 |
| Tucson, AZ | 360 | $ 54,039,000 | $ 150,108 | $ 74,000 |
| Las Vegas-Paradise, NV | 336 | $ 75,705,000 | $ 225,312 | $ 115,000 |
| Portland-Vancouver-Beaverton, OR-WA | 267 | $ 43,968,000 | $ 164,674 | $ 102,089 |
| San Diego-Carlsbad-San Marcos, CA | 244 | $ 87,274,000 | $ 357,680 | $ 134,000 |
| Santa Ana-Anaheim-Irvine, CA | 225 | $ 89,805,000 | $ 399,133 | $ 173,000 |
| Reno-Sparks, NV | 176 | $ 25,787,000 | $ 146,517 | $ 35,000 |
| Seattle-Bellevue-Everett, WA | 147 | $ 32,547,000 | $ 221,408 | $ 151,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 105 | $ 23,642,000 | $ 225,161 | $ 119,000 |
| Bakersfield, CA | 91 | $ 13,442,000 | $ 147,714 | $ 126,000 |
| Yuma, AZ | 81 | $ 8,898,000 | $ 109,851 | $ 35,000 |
| Salt Lake City, UT | 78 | $ 15,591,000 | $ 199,884 | $ 192,000 |
| Colorado Springs, CO | 72 | $ 8,227,000 | $ 114,263 | $ 82,000 |
| El Centro, CA | 70 | $ 11,595,000 | $ 165,642 | $ 45,000 |
| Tacoma, WA | 61 | $ 9,238,000 | $ 151,442 | $ 113,000 |
| Oakland-Fremont-Hayward, CA | 53 | $ 14,108,000 | $ 266,188 | $ 126,000 |
| Greeley, CO | 49 | $ 6,103,000 | $ 124,551 | $ 132,000 |
| Houston-Sugar Land-Baytown, TX | 49 | $ 5,055,000 | $ 103,163 | $ 193,000 |
| Stockton, CA | 46 | $ 11,579,000 | $ 251,717 | $ 39,000 |
| Provo-Orem, UT | 43 | $ 12,962,000 | $ 301,441 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 41 | $ 15,107,000 | $ 368,463 | $ 146,000 |
| Albuquerque, NM | 33 | $ 3,553,000 | $ 107,666 | $ 123,000 |
| Prescott, AZ | 32 | $ 5,510,000 | $ 172,187 | $ 69,000 |
| Boise City-Nampa, ID | 30 | $ 4,594,000 | $ 153,133 | $ 286,000 |
| Dallas-Plano-Irving, TX | 28 | $ 4,667,000 | $ 166,678 | $ 116,000 |
| Fresno, CA | 19 | $ 3,344,000 | $ 176,000 | $ 78,000 |
| Idaho Falls, ID | 19 | $ 1,974,000 | $ 103,894 | $ 104,000 |
| Pocatello, ID | 19 | $ 1,553,000 | $ 81,736 | $ 422,000 |
| Visalia-Porterville, CA | 19 | $ 3,256,000 | $ 171,368 | $ 6,000 |
| Austin-Round Rock, TX | 18 | $ 1,362,000 | $ 75,666 | $ 172,000 |
| Fort Collins-Loveland, CO | 18 | $ 4,385,000 | $ 243,611 | $ 32,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 17 | $ 12,436,000 | $ 731,529 | $ 322,000 |
| McAllen-Edinburg-Mission, TX | 16 | $ 1,711,000 | $ 106,937 | $ 236,000 |
| Merced, CA | 16 | $ 3,225,000 | $ 201,562 | $ 86,000 |
| Fort Worth-Arlington, TX | 15 | $ 1,251,000 | $ 83,400 | $ 101,000 |
| Honolulu, HI | 15 | $ 3,857,000 | $ 257,133 | $ 106,000 |
| Longview, WA | 15 | $ 3,294,000 | $ 219,600 | $ 177,000 |
| Ogden-Clearfield, UT | 15 | $ 2,257,000 | $ 150,466 | $ 74,000 |
| San Antonio, TX | 14 | $ 1,716,000 | $ 122,571 | $ 100,000 |
| Salem, OR | 13 | $ 1,449,000 | $ 111,461 | $ 73,000 |
| Salinas, CA | 13 | $ 4,346,000 | $ 334,307 | $ 107,000 |
| San Francisco-San Mateo-Redwood City, CA | 13 | $ 5,740,000 | $ 441,538 | $ 296,000 |
| Vallejo-Fairfield, CA | 12 | $ 3,744,000 | $ 312,000 | $ 86,000 |
| Flagstaff, AZ | 11 | $ 2,356,000 | $ 214,181 | $ 62,000 |
| Santa Barbara-Santa Maria, CA | 11 | $ 4,212,000 | $ 382,909 | $ 80,000 |
| Boulder, CO | 10 | $ 3,214,000 | $ 321,400 | $ 160,000 |
| Carson City, NV | 10 | $ 1,171,000 | $ 117,100 | $ 62,000 |
| Madera, CA | 10 | $ 1,478,000 | $ 147,800 | $ 61,000 |
| Bremerton-Silverdale, WA | 9 | $ 1,423,000 | $ 158,111 | $ 164,000 |
| St. George, UT | 9 | $ 3,301,000 | $ 366,777 | $ 228,000 |
| Redding, CA | 8 | $ 1,087,000 | $ 135,875 | $ 87,000 |
| Yakima, WA | 8 | $ 541,000 | $ 67,625 | $ 57,000 |
| Eugene-Springfield, OR | 6 | $ 971,000 | $ 161,833 | $ 78,000 |
| Spokane, WA | 6 | $ 551,000 | $ 91,833 | $ 44,000 |
| Yuba City, CA | 6 | $ 1,181,000 | $ 196,833 | $ 36,000 |
| Coeur D'Alene, ID | 5 | $ 543,000 | $ 108,600 | $ 0 |
| Logan, UT-ID | 5 | $ 418,000 | $ 83,600 | $ 23,400 |
| Napa, CA | 5 | $ 1,971,000 | $ 394,200 | $ 412,000 |
| Olympia, WA | 5 | $ 1,011,000 | $ 202,200 | $ 232,000 |
| Pueblo, CO | 5 | $ 254,000 | $ 50,800 | $ 56,000 |
| Bend, OR | 4 | $ 711,000 | $ 177,750 | $ 137,000 |
| El Paso, TX | 4 | $ 253,000 | $ 63,250 | $ 216,000 |
| Hanford-Corcoran, CA | 4 | $ 542,000 | $ 135,500 | $ 0 |
| Kennewick-Richland-Pasco, WA | 4 | $ 258,000 | $ 64,500 | $ 81,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 299,000 | $ 74,750 | $ 95,000 |
| Lewiston, ID-WA | 4 | $ 154,000 | $ 38,500 | $ 42,500 |
| Modesto, CA | 4 | $ 560,000 | $ 140,000 | $ 102,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 989,000 | $ 247,250 | $ 46,000 |
| Santa Fe, NM | 4 | $ 674,000 | $ 168,500 | $ 287,000 |
| Bellingham, WA | 3 | $ 620,000 | $ 206,666 | $ 6,000 |
| Casper, WY | 3 | $ 573,000 | $ 191,000 | $ 180,000 |
| College Station-Bryan, TX | 2 | $ 109,000 | $ 54,500 | $ 115,000 |
| Corvallis, OR | 2 | $ 326,000 | $ 163,000 | $ 104,000 |
| Farmington, NM | 2 | $ 285,000 | $ 142,500 | $ 74,000 |
| Jackson, MI | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 2 | $ 550,000 | $ 275,000 | $ 127,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 810,000 | $ 405,000 | $ 532,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 435,000 | $ 217,500 | $ 149,000 |
| Brownsville-Harlingen, TX | 1 | $ 488,000 | $ 488,000 | $ 302,000 |
| Grand Junction, CO | 1 | $ 268,000 | $ 268,000 | $ 115,000 |
| Newark-Union, NJ-PA | 1 | $ 206,000 | $ 206,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Axis Mortgage & Investments in 2006
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 | 5,940 | $1,128,330,000 | $189,000 | $2,000,000 | $99,000 | $8,875,000 |
| Refinancing | 1,916 | $491,526,000 | $256,000 | $3,500,000 | $132,000 | $5,857,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,643 | $810,040,000 | $222,000 | $3,000,000 | $131,000 | $8,875,000 |
| Hispanic | 2,208 | $365,556,000 | $165,000 | $1,581,000 | $67,000 | $5,857,000 |
| Not Provided | 882 | $199,936,000 | $226,000 | $2,000,000 | $105,000 | $1,719,000 |
| Black or African American | 533 | $111,783,000 | $209,000 | $1,800,000 | $121,000 | $1,080,000 |
| Asian | 466 | $107,557,000 | $230,000 | $3,500,000 | $93,000 | $1,097,000 |
| Native Hawaiian or Other Pacific Islander | 84 | $17,937,000 | $213,000 | $900,000 | $101,000 | $489,000 |
| American Indian or Alaskan Native | 39 | $6,968,000 | $178,000 | $512,000 | $139,000 | $374,000 |
| Not applicable | 1 | $79,000 | $79,000 | $79,000 | $156,000 | $156,000 |
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) | 7,856 | $1,619,856,000 | $206,000 | $3,500,000 | $107,000 | $8,875,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 3,085 | $576,421,000 | $186,000 | $2,000,000 | $102,000 | $8,875,000 |
| Application Withdrawn By Applicant | 2,539 | $564,402,000 | $222,000 | $3,500,000 | $103,000 | $5,857,000 |
| Application Approved But Not Accepted | 1,723 | $343,912,000 | $199,000 | $1,995,000 | $114,000 | $1,045,000 |
| Application Denied By Financial Institution | 509 | $135,121,000 | $265,000 | $3,000,000 | $133,000 | $1,440,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Axis Mortgage & Investments's 2006 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 Axis Mortgage & Investments'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.
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