Hamilton Mortgage Company Mortgage Lending & HMDA Data, 2006
In 2006, Hamilton Mortgage Company of Phoenix, AZ reported 6,823 mortgage applications totaling $1.1 billion, down 18% from 2005. The average application was for $155,049, and applicants reported an average income of $76,988. 51% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (3,515), Tucson, AZ (398) and Kansas City, MO-KS (291) (applications in parentheses).
| Mortgage Company & Address | Hamilton Mortgage Company 2700 North Central Avenue, Ste 1500 Phoenix, AZ 85004 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,823 |
| Total Mortgage Loan Application Amount | $1,057,903,000 |
| Average Mortgage Loan Application Amount | $155,049 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $76,988 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hamilton Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,515 | $ 612,388,000 | $ 174,221 | $ 85,000 |
| Tucson, AZ | 398 | $ 53,957,000 | $ 135,570 | $ 68,000 |
| Kansas City, MO-KS | 291 | $ 31,044,000 | $ 106,680 | $ 64,443 |
| Las Vegas-Paradise, NV | 262 | $ 49,282,000 | $ 188,099 | $ 60,000 |
| Indianapolis-Carmel, IN | 240 | $ 29,599,000 | $ 123,329 | $ 56,000 |
| Grand Rapids-Wyoming, MI | 236 | $ 30,638,000 | $ 129,822 | $ 52,000 |
| Kalamazoo-Portage, MI | 183 | $ 22,702,000 | $ 124,054 | $ 59,000 |
| Lincoln, NE | 139 | $ 13,460,000 | $ 96,834 | $ 72,000 |
| Lansing-East Lansing, MI | 109 | $ 14,909,000 | $ 136,779 | $ 64,000 |
| Omaha-Council Bluffs, NE-IA | 97 | $ 8,264,000 | $ 85,195 | $ 58,319 |
| Boise City-Nampa, ID | 96 | $ 11,806,000 | $ 122,979 | $ 87,000 |
| Holland-Grand Haven, MI | 71 | $ 10,987,000 | $ 154,746 | $ 62,000 |
| Salt Lake City, UT | 49 | $ 5,420,000 | $ 110,612 | $ 80,000 |
| Prescott, AZ | 40 | $ 8,789,000 | $ 219,725 | $ 96,000 |
| Battle Creek, MI | 38 | $ 4,190,000 | $ 110,263 | $ 45,000 |
| Yuma, AZ | 35 | $ 4,618,000 | $ 131,942 | $ 77,000 |
| Muskegon-Norton Shores, MI | 34 | $ 3,402,000 | $ 100,058 | $ 49,000 |
| Los Angeles-Long Beach-Glendale, CA | 32 | $ 7,041,000 | $ 220,031 | $ 101,000 |
| Provo-Orem, UT | 29 | $ 6,558,000 | $ 226,137 | $ 123,000 |
| Colorado Springs, CO | 28 | $ 4,070,000 | $ 145,357 | $ 152,000 |
| Davenport-Moline-Rock Island, IA-IL | 27 | $ 2,327,000 | $ 86,185 | $ 51,666 |
| Albuquerque, NM | 23 | $ 2,914,000 | $ 126,695 | $ 90,000 |
| Cincinnati-Middletown, OH-KY-IN | 17 | $ 1,804,000 | $ 106,117 | $ 48,823 |
| Denver-Aurora, CO | 17 | $ 2,872,000 | $ 168,941 | $ 96,000 |
| Houston-Sugar Land-Baytown, TX | 15 | $ 2,168,000 | $ 144,533 | $ 172,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 3,833,000 | $ 255,533 | $ 122,000 |
| Detroit-Livonia-Dearborn, MI | 14 | $ 1,861,000 | $ 132,928 | $ 97,000 |
| Warren-Troy-Farmington Hills, MI | 13 | $ 4,030,000 | $ 310,000 | $ 37,000 |
| Niles-Benton Harbor, MI | 12 | $ 955,000 | $ 79,583 | $ 56,000 |
| San Diego-Carlsbad-San Marcos, CA | 12 | $ 5,015,000 | $ 417,916 | $ 288,000 |
| Flagstaff, AZ | 10 | $ 2,587,000 | $ 258,700 | $ 93,000 |
| Spokane, WA | 10 | $ 1,496,000 | $ 149,600 | $ 62,000 |
| St. George, UT | 10 | $ 1,570,000 | $ 157,000 | $ 57,000 |
| Austin-Round Rock, TX | 9 | $ 1,323,000 | $ 147,000 | $ 161,000 |
| St. Louis, MO-IL | 9 | $ 1,424,000 | $ 158,222 | $ 37,000 |
| Cedar Rapids, IA | 8 | $ 778,000 | $ 97,250 | $ 64,000 |
| Jackson, MI | 8 | $ 835,000 | $ 104,375 | $ 69,000 |
| Milwaukee-Waukesha-West Allis, WI | 8 | $ 921,000 | $ 115,125 | $ 102,000 |
| Fort Worth-Arlington, TX | 7 | $ 537,000 | $ 76,714 | $ 184,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 299,000 | $ 42,714 | $ 30,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7 | $ 1,832,000 | $ 261,714 | $ 102,000 |
| Topeka, KS | 7 | $ 564,000 | $ 80,571 | $ 91,000 |
| Chicago-Naperville-Joliet, IL | 6 | $ 1,354,000 | $ 225,666 | $ 36,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,748,000 | $ 291,333 | $ 136,000 |
| Reno-Sparks, NV | 6 | $ 3,193,000 | $ 532,166 | $ 386,000 |
| Anderson, IN | 5 | $ 567,000 | $ 113,400 | $ 60,000 |
| Bloomington, IN | 5 | $ 472,000 | $ 94,400 | $ 65,000 |
| Pueblo, CO | 5 | $ 557,000 | $ 111,400 | $ 26,000 |
| Springfield, MO | 5 | $ 509,000 | $ 101,800 | $ 193,000 |
| Iowa City, IA | 4 | $ 363,000 | $ 90,750 | $ 58,000 |
| Lexington-Fayette, KY | 4 | $ 329,000 | $ 82,250 | $ 44,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 927,000 | $ 231,750 | $ 72,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,567,000 | $ 391,750 | $ 179,000 |
| Ogden-Clearfield, UT | 4 | $ 368,000 | $ 92,000 | $ 54,000 |
| San Antonio, TX | 4 | $ 325,000 | $ 81,250 | $ 61,000 |
| Elkhart-Goshen, IN | 3 | $ 260,000 | $ 86,666 | $ 72,000 |
| Fresno, CA | 3 | $ 301,000 | $ 100,333 | $ 15,000 |
| Joplin, MO | 3 | $ 267,000 | $ 89,000 | $ 58,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 326,000 | $ 108,666 | $ 33,000 |
| Redding, CA | 3 | $ 373,000 | $ 124,333 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 2,608,000 | $ 869,333 | $ 34,000 |
| St. Joseph, MO-KS | 3 | $ 300,000 | $ 100,000 | $ 90,000 |
| Terre Haute, IN | 3 | $ 275,000 | $ 91,666 | $ 39,000 |
| Wichita, KS | 3 | $ 262,000 | $ 87,333 | $ 79,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 140,000 | $ 70,000 | $ 73,000 |
| Coeur D'Alene, ID | 2 | $ 329,000 | $ 164,500 | $ 66,000 |
| Columbus, IN | 2 | $ 255,000 | $ 127,500 | $ 38,000 |
| El Paso, TX | 2 | $ 156,000 | $ 78,000 | $ 96,000 |
| Idaho Falls, ID | 2 | $ 209,000 | $ 104,500 | $ 95,000 |
| Kokomo, IN | 2 | $ 289,000 | $ 144,500 | $ 72,000 |
| Las Cruces, NM | 2 | $ 160,000 | $ 80,000 | $ 31,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 302,000 | $ 151,000 | $ 0 |
| Peoria, IL | 2 | $ 239,000 | $ 119,500 | $ 57,000 |
| Salinas, CA | 2 | $ 740,000 | $ 370,000 | $ 6,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 641,000 | $ 320,500 | $ 20,000 |
| Sioux City, IA-NE-SD | 2 | $ 155,000 | $ 77,500 | $ 79,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 228,000 | $ 114,000 | $ 52,500 |
| Stockton, CA | 2 | $ 1,050,000 | $ 525,000 | $ 187,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 270,000 | $ 135,000 | $ 120,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 189,000 | $ 94,500 | $ 67,000 |
| Amarillo, TX | 1 | $ 264,000 | $ 264,000 | $ 113,000 |
| Ames, IA | 1 | $ 33,000 | $ 33,000 | $ 90,000 |
| Bay City, MI | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Boulder, CO | 1 | $ 1,295,000 | $ 1,295,000 | $ 384,000 |
| Des Moines-West Des Moines, IA | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 88,000 | $ 88,000 | $ 41,000 |
| Flint, MI | 1 | $ 56,000 | $ 56,000 | $ 20,000 |
| Fort Collins-Loveland, CO | 1 | $ 331,000 | $ 331,000 | $ 94,000 |
| Grand Junction, CO | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Greeley, CO | 1 | $ 880,000 | $ 880,000 | $ 384,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Lafayette, IN | 1 | $ 82,000 | $ 82,000 | $ 50,000 |
| Lawrence, KS | 1 | $ 137,000 | $ 137,000 | $ 67,000 |
| Modesto, CA | 1 | $ 319,000 | $ 319,000 | $ 90,000 |
| Muncie, IN | 1 | $ 72,000 | $ 72,000 | $ 23,000 |
| Rockford, IL | 1 | $ 131,000 | $ 131,000 | $ 75,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 460,000 | $ 460,000 | $ 212,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Vallejo-Fairfield, CA | 1 | $ 505,000 | $ 505,000 | $ 144,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 631,000 | $ 631,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Hamilton Mortgage Company 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 | 3,775 | $553,368,000 | $146,000 | $1,640,000 | $81,000 | $2,400,000 |
| Refinancing | 3,038 | $502,682,000 | $165,000 | $3,100,000 | $72,000 | $1,471,000 |
| Home Improvement | 10 | $1,853,000 | $185,000 | $731,000 | $78,000 | $303,000 |
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 | 4,150 | $655,027,000 | $157,000 | $3,100,000 | $86,000 | $2,400,000 |
| Hispanic | 1,969 | $276,869,000 | $140,000 | $1,500,000 | $56,000 | $660,000 |
| Black or African American | 388 | $66,360,000 | $171,000 | $1,640,000 | $91,000 | $684,000 |
| Not Provided | 149 | $25,474,000 | $170,000 | $1,050,000 | $77,000 | $504,000 |
| Asian | 141 | $29,837,000 | $211,000 | $2,048,000 | $73,000 | $326,000 |
| American Indian or Alaskan Native | 19 | $2,794,000 | $147,000 | $335,000 | $68,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,542,000 | $220,000 | $380,000 | $81,000 | $310,000 |
| Not applicable | 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) | 6,148 | $963,940,000 | $156,000 | $3,100,000 | $79,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 626 | $85,255,000 | $136,000 | $368,000 | $55,000 | $578,000 |
| VA-guaranteed (Veterans Administration) | 49 | $8,708,000 | $177,000 | $305,000 | $53,000 | $104,000 |
| 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 | 3,476 | $525,476,000 | $151,000 | $3,100,000 | $72,000 | $1,471,000 |
| Application Approved But Not Accepted | 1,240 | $191,956,000 | $154,000 | $2,000,000 | $77,000 | $2,400,000 |
| Application Withdrawn By Applicant | 936 | $138,436,000 | $147,000 | $2,600,000 | $76,000 | $840,000 |
| Application Denied By Financial Institution | 800 | $140,241,000 | $175,000 | $2,048,000 | $88,000 | $576,000 |
| File Closed For Incompleteness | 371 | $61,794,000 | $166,000 | $1,295,000 | $104,000 | $802,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 294 | $57,787,000 | $196,000 | $2,000,000 | $100,000 | $464,000 |
| Credit History | 198 | $28,896,000 | $145,000 | $938,000 | $72,000 | $576,000 |
| Debt-To-Income Ratio | 101 | $17,447,000 | $172,000 | $1,125,000 | $94,000 | $456,000 |
| Collateral | 64 | $10,333,000 | $161,000 | $2,048,000 | $123,000 | $436,000 |
| Unverifiable Information | 46 | $7,824,000 | $170,000 | $1,024,000 | $62,000 | $308,000 |
| Employment History | 36 | $7,660,000 | $212,000 | $1,500,000 | $83,000 | $204,000 |
| Credit Application Incomplete | 9 | $1,343,000 | $149,000 | $312,000 | $101,000 | $308,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,156,000 | $192,000 | $411,000 | $67,000 | $102,000 |
| Mortgage Insurance Denied | 2 | $289,000 | $144,000 | $238,000 | $66,000 | $79,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hamilton Mortgage Company'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 Hamilton Mortgage Company'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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