Homeowners Financial Group, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Homeowners Financial Group, LLC of Scottsdale, AZ reported 8,032 mortgage applications totaling $2.1 billion, up 16% from 2018. The average application was for $255,703, and applicants reported an average income of $102,769. 75% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (3,398), Tampa-St. Petersburg-Clearwater, FL (926) and Jacksonville, FL (402) (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 | 8,032 |
| Total Mortgage Loan Application Amount | $2,053,810,000 |
| Average Mortgage Loan Application Amount | $255,703 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $102,769 |
| Highest Applicant Income | $3,427,000 |
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records Homeowners Financial Group, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,398 | $ 992,170,000 | $ 291,986 | $ 116,000 |
| Tampa-St. Petersburg-Clearwater, FL | 926 | $ 189,300,000 | $ 204,427 | $ 74,000 |
| Outside any metro area | 680 | $ 99,020,000 | $ 145,617 | $ 79,247 |
| Jacksonville, FL | 402 | $ 56,770,000 | $ 141,218 | $ 56,000 |
| Prescott Valley-Prescott, AZ | 291 | $ 72,955,000 | $ 250,704 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 243 | $ 55,315,000 | $ 227,633 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 224 | $ 44,150,000 | $ 197,098 | $ 85,741 |
| St. Cloud, MN | 206 | $ 29,410,000 | $ 142,766 | $ 69,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 195 | $ 53,885,000 | $ 276,333 | $ 111,000 |
| Bakersfield, CA | 182 | $ 26,950,000 | $ 148,076 | $ 68,000 |
| Houston-The Woodlands-Sugar Land, TX | 129 | $ 50,025,000 | $ 387,790 | $ 190,000 |
| Santa Maria-Santa Barbara, CA | 110 | $ 63,770,000 | $ 579,727 | $ 177,000 |
| Santa Fe, NM | 101 | $ 36,425,000 | $ 360,643 | $ 133,000 |
| Orlando-Kissimmee-Sanford, FL | 90 | $ 20,580,000 | $ 228,666 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 87 | $ 44,315,000 | $ 509,367 | $ 207,000 |
| Las Vegas-Henderson-Paradise, NV | 81 | $ 26,525,000 | $ 327,469 | $ 144,000 |
| San Diego-Carlsbad, CA | 75 | $ 29,275,000 | $ 390,333 | $ 151,000 |
| Reno, NV | 70 | $ 20,430,000 | $ 291,857 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 49 | $ 9,515,000 | $ 194,183 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 39 | $ 19,985,000 | $ 512,435 | $ 234,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 38 | $ 11,840,000 | $ 311,578 | $ 75,000 |
| Fayetteville, NC | 35 | $ 5,805,000 | $ 165,857 | $ 71,000 |
| Lakeland-Winter Haven, FL | 35 | $ 5,645,000 | $ 161,285 | $ 55,000 |
| Tucson, AZ | 31 | $ 7,355,000 | $ 237,258 | $ 111,000 |
| Redding, CA | 24 | $ 4,760,000 | $ 198,333 | $ 73,000 |
| Denver-Aurora-Lakewood, CO | 23 | $ 7,355,000 | $ 319,782 | $ 127,000 |
| Flagstaff, AZ | 20 | $ 5,600,000 | $ 280,000 | $ 148,000 |
| North Port-Sarasota-Bradenton, FL | 18 | $ 3,510,000 | $ 195,000 | $ 75,000 |
| Las Cruces, NM | 17 | $ 2,495,000 | $ 146,764 | $ 95,000 |
| Vallejo-Fairfield, CA | 15 | $ 5,505,000 | $ 367,000 | $ 116,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 1,940,000 | $ 161,666 | $ 76,000 |
| Chico, CA | 11 | $ 3,305,000 | $ 300,454 | $ 98,000 |
| Sioux Falls, SD | 11 | $ 2,785,000 | $ 253,181 | $ 55,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 2,495,000 | $ 277,222 | $ 103,000 |
| Austin-Round Rock, TX | 8 | $ 4,160,000 | $ 520,000 | $ 283,000 |
| Ocala, FL | 8 | $ 780,000 | $ 97,500 | $ 44,000 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 3,075,000 | $ 439,285 | $ 120,000 |
| Gainesville, FL | 7 | $ 605,000 | $ 86,428 | $ 119,000 |
| Stockton-Lodi, CA | 6 | $ 1,170,000 | $ 195,000 | $ 54,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 2,065,000 | $ 413,000 | $ 147,000 |
| Fargo, ND-MN | 4 | $ 940,000 | $ 235,000 | $ 77,250 |
| Fort Worth-Arlington, TX | 4 | $ 890,000 | $ 222,500 | $ 80,000 |
| Rochester, MN | 4 | $ 620,000 | $ 155,000 | $ 63,000 |
| Salinas, CA | 4 | $ 2,160,000 | $ 540,000 | $ 144,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,110,000 | $ 277,500 | $ 71,000 |
| Boulder, CO | 3 | $ 965,000 | $ 321,666 | $ 101,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 815,000 | $ 271,666 | $ 100,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,075,000 | $ 358,333 | $ 171,000 |
| Des Moines-West Des Moines, IA | 3 | $ 295,000 | $ 98,333 | $ 40,000 |
| Merced, CA | 3 | $ 295,000 | $ 98,333 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 775,000 | $ 258,333 | $ 119,000 |
| Midland, TX | 3 | $ 965,000 | $ 321,666 | $ 144,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 835,000 | $ 278,333 | $ 106,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,055,000 | $ 351,666 | $ 80,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 805,000 | $ 268,333 | $ 76,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 875,000 | $ 291,666 | $ 222,000 |
| San Antonio-New Braunfels, TX | 3 | $ 1,505,000 | $ 501,666 | $ 233,000 |
| Sioux City, IA-NE-SD | 3 | $ 655,000 | $ 218,333 | $ 120,333 |
| Yuba City, CA | 3 | $ 785,000 | $ 261,666 | $ 110,000 |
| Albuquerque, NM | 2 | $ 420,000 | $ 210,000 | $ 79,000 |
| Carson City, NV | 2 | $ 670,000 | $ 335,000 | $ 75,000 |
| Chicago-Naperville, IL | 2 | $ 260,000 | $ 130,000 | $ 39,000 |
| Duluth, MN-WI | 2 | $ 310,000 | $ 155,000 | $ 108,500 |
| Fresno, CA | 2 | $ 480,000 | $ 240,000 | $ 63,000 |
| Grand Forks, ND-MN | 2 | $ 450,000 | $ 225,000 | $ 144,000 |
| Greeley, CO | 2 | $ 610,000 | $ 305,000 | $ 124,000 |
| Homosassa Springs, FL | 2 | $ 250,000 | $ 125,000 | $ 35,000 |
| Napa, CA | 2 | $ 710,000 | $ 355,000 | $ 94,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 390,000 | $ 195,000 | $ 52,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 930,000 | $ 465,000 | $ 102,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 270,000 | $ 135,000 | $ 58,000 |
| Bend-Redmond, OR | 1 | $ 475,000 | $ 475,000 | $ 212,000 |
| Boise City, ID | 1 | $ 215,000 | $ 215,000 | $ 163,000 |
| Bremerton-Silverdale, WA | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 75,000 | $ 75,000 | $ 164,000 |
| College Station-Bryan, TX | 1 | $ 195,000 | $ 195,000 | $ 239,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| El Centro, CA | 1 | $ 105,000 | $ 105,000 | $ 20,000 |
| El Paso, TX | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Eugene, OR | 1 | $ 305,000 | $ 305,000 | $ 131,000 |
| Evansville, IN-KY | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Hanford-Corcoran, CA | 1 | $ 325,000 | $ 325,000 | $ 74,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Knoxville, TN | 1 | $ 275,000 | $ 275,000 | $ 98,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 375,000 | $ 375,000 | $ 195,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 455,000 | $ 455,000 | $ 85,000 |
| Pueblo, CO | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Punta Gorda, FL | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Salt Lake City, UT | 1 | $ 245,000 | $ 245,000 | $ 270,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 785,000 | $ 785,000 | $ 504,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 535,000 | $ 535,000 | $ 19,000 |
| Santa Rosa, CA | 1 | $ 245,000 | $ 245,000 | $ 79,000 |
| Sebastian-Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 18,000 |
| Sebring, FL | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| The Villages, FL | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Visalia-Porterville, CA | 1 | $ 325,000 | $ 325,000 | $ 97,000 |
| Wichita, KS | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| Yuma, AZ | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Homeowners Financial Group, LLC in 2019
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 | 5,949 | $1,439,165,000 | $241,000 | $2,535,000 | $98,000 | $1,921,000 |
| Refinancing | 1,240 | $382,900,000 | $308,000 | $2,505,000 | $116,000 | $1,459,000 |
| Home Improvement | 808 | $223,740,000 | $276,000 | $3,005,000 | $118,000 | $3,427,000 |
| Not Applicable | 29 | $6,515,000 | $224,000 | $465,000 | $90,000 | $178,000 |
| Cash-out Refinancing | 5 | $1,035,000 | $207,000 | $275,000 | $95,000 | $141,000 |
| Other Purpose | 1 | $455,000 | $455,000 | $455,000 | $174,000 | $174,000 |
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 | 4,811 | $1,326,025,000 | $275,000 | $3,005,000 | $116,000 | $3,427,000 |
| Hispanic | 1,886 | $370,590,000 | $196,000 | $1,245,000 | $69,000 | $723,000 |
| Not Provided | 581 | $175,635,000 | $302,000 | $1,705,000 | $119,000 | $953,000 |
| Asian | 389 | $102,985,000 | $264,000 | $1,385,000 | $99,000 | $749,000 |
| Black or African American | 319 | $67,205,000 | $210,000 | $655,000 | $80,000 | $424,000 |
| American Indian or Alaskan Native | 32 | $7,750,000 | $242,000 | $455,000 | $99,000 | $341,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,745,000 | $249,000 | $485,000 | $64,000 | $149,000 |
| 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) | 5,775 | $1,523,425,000 | $263,000 | $3,005,000 | $116,000 | $3,427,000 |
| FHA-insured (Federal Housing Administration) | 1,623 | $347,395,000 | $214,000 | $615,000 | $64,000 | $441,000 |
| VA-guaranteed (Veterans Administration) | 595 | $176,445,000 | $296,000 | $1,275,000 | $80,000 | $568,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $6,545,000 | $167,000 | $265,000 | $58,000 | $126,000 |
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 | 6,039 | $1,528,785,000 | $253,000 | $1,755,000 | $102,000 | $3,427,000 |
| Application Withdrawn By Applicant | 1,398 | $382,330,000 | $273,000 | $2,535,000 | $112,000 | $2,689,000 |
| Application Denied By Financial Institution | 459 | $103,215,000 | $224,000 | $3,005,000 | $86,000 | $1,459,000 |
| File Closed For Incompleteness | 83 | $24,665,000 | $297,000 | $1,055,000 | $127,000 | $1,440,000 |
| Application Approved But Not Accepted | 53 | $14,815,000 | $279,000 | $1,105,000 | $100,000 | $340,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 7,573 | $1,950,595,000 | $257,000 | $2,535,000 | $104,000 | $3,427,000 |
| Debt-To-Income Ratio | 159 | $32,775,000 | $206,000 | $1,225,000 | $60,000 | $364,000 |
| Other | 96 | $21,640,000 | $225,000 | $1,215,000 | $104,000 | $1,121,000 |
| Credit History | 69 | $14,115,000 | $204,000 | $625,000 | $77,000 | $380,000 |
| Collateral | 68 | $18,650,000 | $274,000 | $3,005,000 | $127,000 | $1,459,000 |
| Employment History | 23 | $4,645,000 | $201,000 | $475,000 | $68,000 | $294,000 |
| Credit Application Incomplete | 19 | $6,785,000 | $357,000 | $775,000 | $151,000 | $500,000 |
| Unverifiable Information | 17 | $3,015,000 | $177,000 | $285,000 | $52,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,590,000 | $198,000 | $485,000 | $71,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeowners Financial Group, LLC's 2019 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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