Homeowners Financial Group, LLC Mortgage Lending & HMDA Data, 2016
In 2016, Homeowners Financial Group, LLC of Scottsdale, AZ reported 7,465 mortgage applications totaling $1.9 billion, up 23% from 2015. The average application was for $252,785, and applicants reported an average income of $103,793. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (4,144), Prescott, AZ (333) and Minneapolis-St. Paul-Bloomington, MN-WI (298) (applications in parentheses).
| Mortgage Company & Address | Homeowners Financial Group, LLC 16427 N. Scottsdale Road, Suite 145 Scottsdale, AZ 85251 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 7,465 |
| Total Mortgage Loan Application Amount | $1,887,042,000 |
| Average Mortgage Loan Application Amount | $252,785 |
| Highest Mortgage Loan Application Amount | $2,195,000 |
| Average Applicant Income | $103,793 |
| Highest Applicant Income | $6,826,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homeowners Financial Group, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,144 | $ 1,039,338,000 | $ 250,805 | $ 103,000 |
| Prescott, AZ | 333 | $ 72,379,000 | $ 217,354 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 298 | $ 56,686,000 | $ 190,221 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 273 | $ 52,194,000 | $ 191,186 | $ 71,000 |
| Anaheim-Santa Ana-Irvine, CA | 215 | $ 106,626,000 | $ 495,934 | $ 171,000 |
| Madison, WI | 184 | $ 42,812,000 | $ 232,673 | $ 94,000 |
| Orlando-Kissimmee-Sanford, FL | 154 | $ 35,114,000 | $ 228,012 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 143 | $ 86,030,000 | $ 601,608 | $ 202,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 121 | $ 33,210,000 | $ 274,462 | $ 93,694 |
| Riverside-San Bernardino-Ontario, CA | 109 | $ 28,754,000 | $ 263,798 | $ 96,000 |
| Miami-Miami Beach-Kendall, FL | 91 | $ 24,997,000 | $ 274,692 | $ 112,000 |
| Tucson, AZ | 76 | $ 13,235,000 | $ 174,144 | $ 79,000 |
| Reno, NV | 70 | $ 16,810,000 | $ 240,142 | $ 108,000 |
| Las Cruces, NM | 68 | $ 9,108,000 | $ 133,941 | $ 59,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 64 | $ 20,765,000 | $ 324,453 | $ 99,000 |
| Albuquerque, NM | 62 | $ 10,958,000 | $ 176,741 | $ 105,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 61 | $ 27,537,000 | $ 451,426 | $ 179,000 |
| Santa Fe, NM | 59 | $ 21,590,000 | $ 365,932 | $ 148,000 |
| Jacksonville, FL | 42 | $ 10,353,000 | $ 246,500 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 40 | $ 11,139,000 | $ 278,475 | $ 149,000 |
| Flagstaff, AZ | 38 | $ 10,788,000 | $ 283,894 | $ 124,000 |
| San Diego-Carlsbad, CA | 32 | $ 13,783,000 | $ 430,718 | $ 141,000 |
| Chicago-Naperville-Arlington Heights, IL | 19 | $ 6,674,000 | $ 351,263 | $ 220,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 2,654,000 | $ 165,875 | $ 104,000 |
| Des Moines-West Des Moines, IA | 15 | $ 2,541,000 | $ 169,400 | $ 130,000 |
| Lake Havasu City-Kingman, AZ | 14 | $ 2,564,000 | $ 183,142 | $ 57,000 |
| Lakeland-Winter Haven, FL | 14 | $ 2,217,000 | $ 158,357 | $ 65,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 2,207,000 | $ 157,642 | $ 56,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 3,713,000 | $ 285,615 | $ 127,000 |
| Janesville-Beloit, WI | 13 | $ 1,826,000 | $ 140,461 | $ 67,000 |
| Stockton-Lodi, CA | 12 | $ 2,771,000 | $ 230,916 | $ 78,000 |
| Lake County-Kenosha County, IL-WI | 11 | $ 4,144,000 | $ 376,727 | $ 249,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 4,470,000 | $ 406,363 | $ 133,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 10 | $ 2,151,000 | $ 215,100 | $ 157,000 |
| Ocala, FL | 9 | $ 1,817,000 | $ 201,888 | $ 174,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 2,688,000 | $ 336,000 | $ 173,000 |
| Salem, OR | 8 | $ 1,648,000 | $ 206,000 | $ 61,000 |
| St. Cloud, MN | 6 | $ 1,133,000 | $ 188,833 | $ 121,000 |
| Yuma, AZ | 6 | $ 823,000 | $ 137,166 | $ 226,000 |
| Fargo, ND-MN | 5 | $ 915,000 | $ 183,000 | $ 59,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 471,000 | $ 117,750 | $ 38,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 944,000 | $ 236,000 | $ 97,250 |
| Eau Claire, WI | 4 | $ 547,000 | $ 136,750 | $ 49,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 983,000 | $ 245,750 | $ 83,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 704,000 | $ 176,000 | $ 81,000 |
| Appleton, WI | 3 | $ 608,000 | $ 202,666 | $ 106,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 824,000 | $ 274,666 | $ 126,000 |
| Fresno, CA | 3 | $ 858,000 | $ 286,000 | $ 119,000 |
| Mankato-North Mankato, MN | 3 | $ 691,000 | $ 230,333 | $ 59,000 |
| Modesto, CA | 3 | $ 808,000 | $ 269,333 | $ 67,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,438,000 | $ 479,333 | $ 177,000 |
| Olympia-Tumwater, WA | 3 | $ 1,139,000 | $ 379,666 | $ 114,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,079,000 | $ 359,666 | $ 77,000 |
| The Villages, FL | 3 | $ 749,000 | $ 249,666 | $ 127,000 |
| Wausau, WI | 3 | $ 402,000 | $ 134,000 | $ 42,000 |
| Bloomington, IL | 2 | $ 420,000 | $ 210,000 | $ 78,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 741,000 | $ 370,500 | $ 145,000 |
| Elgin, IL | 2 | $ 512,000 | $ 256,000 | $ 103,000 |
| Homosassa Springs, FL | 2 | $ 392,000 | $ 196,000 | $ 97,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 389,000 | $ 194,500 | $ 75,000 |
| Punta Gorda, FL | 2 | $ 294,000 | $ 147,000 | $ 79,000 |
| Racine, WI | 2 | $ 353,000 | $ 176,500 | $ 20,000 |
| Rochester, MN | 2 | $ 238,000 | $ 119,000 | $ 41,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 518,000 | $ 259,000 | $ 206,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,098,000 | $ 549,000 | $ 171,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,118,000 | $ 559,000 | $ 195,000 |
| Ames, IA | 1 | $ 126,000 | $ 126,000 | $ 99,000 |
| Bend-Redmond, OR | 1 | $ 130,000 | $ 130,000 | $ 102,000 |
| Boulder, CO | 1 | $ 395,000 | $ 395,000 | $ 88,000 |
| Bremerton-Silverdale, WA | 1 | $ 417,000 | $ 417,000 | $ 175,000 |
| Carson City, NV | 1 | $ 243,000 | $ 243,000 | $ 69,000 |
| Chico, CA | 1 | $ 108,000 | $ 108,000 | $ 62,000 |
| Cleveland-Elyria, OH | 1 | $ 170,000 | $ 170,000 | $ 37,000 |
| Colorado Springs, CO | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| Columbus, OH | 1 | $ 359,000 | $ 359,000 | $ 116,000 |
| Duluth, MN-WI | 1 | $ 258,000 | $ 258,000 | $ 82,000 |
| Farmington, NM | 1 | $ 112,000 | $ 112,000 | $ 52,000 |
| Fort Collins, CO | 1 | $ 170,000 | $ 170,000 | $ 164,000 |
| Grand Forks, ND-MN | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
| Grand Junction, CO | 1 | $ 244,000 | $ 244,000 | $ 127,000 |
| Green Bay, WI | 1 | $ 92,000 | $ 92,000 | $ 71,000 |
| Iowa City, IA | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Longview, WA | 1 | $ 120,000 | $ 120,000 | $ 43,000 |
| Merced, CA | 1 | $ 157,000 | $ 157,000 | $ 36,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 444,000 | $ 444,000 | $ 108,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 180,000 | $ 180,000 | $ 49,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 153,000 | $ 153,000 | $ 85,000 |
| Redding, CA | 1 | $ 130,000 | $ 130,000 | $ 25,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 452,000 | $ 452,000 | $ 116,000 |
| San Rafael, CA | 1 | $ 360,000 | $ 360,000 | $ 125,000 |
| Santa Rosa, CA | 1 | $ 525,000 | $ 525,000 | $ 485,000 |
| Sebring, FL | 1 | $ 133,000 | $ 133,000 | $ 48,000 |
| Sioux Falls, SD | 1 | $ 176,000 | $ 176,000 | $ 111,000 |
| Vallejo-Fairfield, CA | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| Visalia-Porterville, CA | 1 | $ 191,000 | $ 191,000 | $ 57,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 119,000 | $ 119,000 | $ 201,000 |
Mortgage Loan Application Detail Totals for Homeowners Financial Group, LLC in 2016
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 | 5,697 | $1,410,954,000 | $247,000 | $1,852,000 | $101,000 | $6,826,000 |
| Refinancing | 1,237 | $351,053,000 | $283,000 | $2,195,000 | $117,000 | $6,456,000 |
| Home Improvement | 531 | $125,035,000 | $235,000 | $1,300,000 | $103,000 | $993,000 |
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 | 4,921 | $1,250,767,000 | $254,000 | $2,195,000 | $110,000 | $6,826,000 |
| Hispanic | 1,166 | $239,942,000 | $205,000 | $1,106,000 | $73,000 | $1,332,000 |
| Not Provided | 710 | $198,303,000 | $279,000 | $1,453,000 | $110,000 | $1,010,000 |
| Asian | 351 | $125,584,000 | $357,000 | $1,725,000 | $138,000 | $1,731,000 |
| Black or African American | 243 | $53,810,000 | $221,000 | $718,000 | $73,000 | $558,000 |
| American Indian or Alaskan Native | 45 | $10,897,000 | $242,000 | $638,000 | $91,000 | $333,000 |
| Native Hawaiin or Other Pacific Islander | 28 | $7,555,000 | $269,000 | $716,000 | $153,000 | $1,859,000 |
| Not applicable | 1 | $184,000 | $184,000 | $184,000 | $40,000 | $40,000 |
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) | 4,741 | $1,307,405,000 | $275,000 | $2,195,000 | $126,000 | $6,826,000 |
| FHA-insured (Federal Housing Administration) | 1,899 | $376,003,000 | $198,000 | $741,000 | $63,000 | $582,000 |
| VA-guaranteed (Veterans Administration) | 725 | $188,557,000 | $260,000 | $1,011,000 | $74,000 | $398,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 100 | $15,077,000 | $150,000 | $389,000 | $51,000 | $93,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 5,472 | $1,348,808,000 | $246,000 | $2,195,000 | $102,000 | $6,826,000 |
| Application Withdrawn By Applicant | 1,064 | $289,229,000 | $271,000 | $1,905,000 | $111,000 | $1,332,000 |
| Application Denied By Financial Institution | 833 | $219,337,000 | $263,000 | $2,000,000 | $103,000 | $948,000 |
| Application Approved But Not Accepted | 84 | $26,019,000 | $309,000 | $1,725,000 | $130,000 | $1,731,000 |
| File Closed For Incompleteness | 11 | $3,436,000 | $312,000 | $1,188,000 | $131,000 | $275,000 |
| Loan Purchased By The Institution | 1 | $213,000 | $213,000 | $213,000 | $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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 260 | $81,843,000 | $314,000 | $2,000,000 | $128,000 | $948,000 |
| Debt-To-Income Ratio | 161 | $39,805,000 | $247,000 | $1,493,000 | $75,000 | $514,000 |
| Credit History | 151 | $33,504,000 | $221,000 | $620,000 | $90,000 | $356,000 |
| Collateral | 140 | $28,140,000 | $201,000 | $1,120,000 | $91,000 | $606,000 |
| Employment History | 38 | $13,050,000 | $343,000 | $1,763,000 | $118,000 | $700,000 |
| Other | 30 | $7,384,000 | $246,000 | $780,000 | $86,000 | $350,000 |
| Unverifiable Information | 29 | $9,015,000 | $310,000 | $1,238,000 | $158,000 | $648,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $6,596,000 | $274,000 | $1,852,000 | $96,000 | $482,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeowners Financial Group, LLC's 2016 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 Homeowners Financial Group, LLC'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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