Imortgage.Com, Inc. Mortgage Lending & HMDA Data, 2013
In 2013, Imortgage.Com, Inc. of Scottsdale, AZ reported 22,426 mortgage applications totaling $5.3 billion, down 13% from 2012. The average application was for $235,742, and applicants reported an average income of $94,951. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (2,633), Los Angeles-Long Beach-Glendale, CA (2,507) and Riverside-San Bernardino-Ontario, CA (1,902) (applications in parentheses).
| Mortgage Company & Address | Imortgage.Com, Inc. 4800 N. Scottsdale Road, Suite 3800 Scottsdale, AZ 85251 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 |
| Total Number of Mortgage Applications | 22,426 |
| Total Mortgage Loan Application Amount | $5,286,771,000 |
| Average Mortgage Loan Application Amount | $235,742 |
| Highest Mortgage Loan Application Amount | $1,992,000 |
| Average Applicant Income | $94,951 |
| Highest Applicant Income | $5,453,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Imortgage.Com, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Glendale, AZ | 2,633 | $ 541,985,000 | $ 205,843 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,507 | $ 631,648,000 | $ 251,953 | $ 85,000 |
| Riverside-San Bernardino-Ontario, CA | 1,902 | $ 462,912,000 | $ 243,381 | $ 93,000 |
| Bakersfield-Delano, CA | 1,415 | $ 231,273,000 | $ 163,443 | $ 72,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,261 | $ 317,248,000 | $ 251,584 | $ 108,000 |
| Stockton, CA | 1,083 | $ 240,517,000 | $ 222,084 | $ 93,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,056 | $ 345,710,000 | $ 327,376 | $ 114,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,056 | $ 404,660,000 | $ 383,200 | $ 139,000 |
| Las Vegas-Paradise, NV | 1,020 | $ 219,508,000 | $ 215,203 | $ 99,000 |
| Houston-Sugar Land-Baytown, TX | 856 | $ 148,654,000 | $ 173,661 | $ 91,000 |
| Fresno, CA | 766 | $ 167,197,000 | $ 218,272 | $ 102,000 |
| Medford, OR | 626 | $ 127,590,000 | $ 203,817 | $ 86,000 |
| Modesto, CA | 435 | $ 73,019,000 | $ 167,859 | $ 78,000 |
| Orlando-Kissimmee-Sanford, FL | 361 | $ 103,679,000 | $ 287,199 | $ 114,000 |
| Oakland-Fremont-Hayward, CA | 317 | $ 115,923,000 | $ 365,687 | $ 121,000 |
| Dallas-Plano-Irving, TX | 314 | $ 71,641,000 | $ 228,156 | $ 105,000 |
| Colorado Springs, CO | 306 | $ 65,942,000 | $ 215,496 | $ 82,000 |
| Fort Collins-Loveland, CO | 293 | $ 65,677,000 | $ 224,153 | $ 85,000 |
| Austin-Round Rock-San Marcos, TX | 291 | $ 48,461,000 | $ 166,532 | $ 69,000 |
| Denver-Aurora-Broomfield, CO | 282 | $ 87,152,000 | $ 309,049 | $ 116,000 |
| San Antonio-New Braunfels, TX | 245 | $ 35,566,000 | $ 145,167 | $ 58,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 209 | $ 51,074,000 | $ 244,373 | $ 136,000 |
| Tucson, AZ | 198 | $ 44,764,000 | $ 226,080 | $ 103,000 |
| San Luis Obispo-Paso Robles, CA | 178 | $ 58,633,000 | $ 329,398 | $ 117,000 |
| Reno-Sparks, NV | 148 | $ 29,890,000 | $ 201,959 | $ 88,000 |
| Lake Havasu City-Kingman, AZ | 137 | $ 22,717,000 | $ 165,817 | $ 89,000 |
| Fort Worth-Arlington, TX | 135 | $ 35,064,000 | $ 259,733 | $ 118,000 |
| Greeley, CO | 127 | $ 29,916,000 | $ 235,559 | $ 85,000 |
| Pueblo, CO | 105 | $ 12,125,000 | $ 115,476 | $ 59,000 |
| Raleigh-Cary, NC | 58 | $ 19,233,000 | $ 331,603 | $ 105,000 |
| Durham-Chapel Hill, NC | 43 | $ 13,448,000 | $ 312,744 | $ 129,000 |
| Tampa-St. Petersburg-Clearwater, FL | 42 | $ 15,396,000 | $ 366,571 | $ 171,000 |
| Boulder, CO | 41 | $ 14,184,000 | $ 345,951 | $ 124,000 |
| Merced, CA | 38 | $ 6,374,000 | $ 167,736 | $ 129,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 36 | $ 12,008,000 | $ 333,555 | $ 115,000 |
| Santa Rosa-Petaluma, CA | 31 | $ 11,245,000 | $ 362,741 | $ 126,000 |
| Madera-Chowchilla, CA | 30 | $ 5,628,000 | $ 187,600 | $ 91,000 |
| Visalia-Porterville, CA | 23 | $ 3,544,000 | $ 154,086 | $ 74,000 |
| San Francisco-San Mateo-Redwood City, CA | 21 | $ 10,239,000 | $ 487,571 | $ 146,000 |
| Yuba City, CA | 20 | $ 3,370,000 | $ 168,500 | $ 96,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 6,920,000 | $ 384,444 | $ 121,000 |
| Salinas, CA | 16 | $ 4,433,000 | $ 277,062 | $ 168,000 |
| Vallejo-Fairfield, CA | 15 | $ 3,096,000 | $ 206,400 | $ 128,000 |
| Lakeland-Winter Haven, FL | 14 | $ 2,811,000 | $ 200,785 | $ 91,000 |
| Hanford-Corcoran, CA | 13 | $ 2,074,000 | $ 159,538 | $ 66,000 |
| El Centro, CA | 12 | $ 1,797,000 | $ 149,750 | $ 152,000 |
| Napa, CA | 12 | $ 4,816,000 | $ 401,333 | $ 136,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 12 | $ 2,665,000 | $ 222,083 | $ 135,000 |
| Prescott, AZ | 12 | $ 2,328,000 | $ 194,000 | $ 79,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 9 | $ 3,431,000 | $ 381,222 | $ 145,000 |
| Flagstaff, AZ | 9 | $ 2,062,000 | $ 229,111 | $ 135,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 2,424,000 | $ 303,000 | $ 160,000 |
| Carson City, NV | 7 | $ 1,320,000 | $ 188,571 | $ 58,000 |
| Bend, OR | 6 | $ 1,158,000 | $ 193,000 | $ 129,000 |
| Eugene-Springfield, OR | 5 | $ 803,000 | $ 160,600 | $ 87,000 |
| Redding, CA | 4 | $ 649,000 | $ 162,250 | $ 69,000 |
| Chico, CA | 2 | $ 390,000 | $ 195,000 | $ 66,000 |
| El Paso, TX | 2 | $ 260,000 | $ 130,000 | $ 183,000 |
| Salem, OR | 2 | $ 634,000 | $ 317,000 | $ 146,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 124,000 | $ 62,000 | $ 68,000 |
| Yuma, AZ | 2 | $ 422,000 | $ 211,000 | $ 127,000 |
| Brownsville-Harlingen, TX | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Coeur D'Alene, ID | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| College Station-Bryan, TX | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Grand Junction, CO | 1 | $ 143,000 | $ 143,000 | $ 84,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Longview, TX | 1 | $ 112,000 | $ 112,000 | $ 69,000 |
| Lubbock, TX | 1 | $ 239,000 | $ 239,000 | $ 190,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Midland, TX | 1 | $ 137,000 | $ 137,000 | $ 75,000 |
| Sherman-Denison, TX | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Tyler, TX | 1 | $ 206,000 | $ 206,000 | $ 122,000 |
| Waco, TX | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Imortgage.Com, Inc. in 2013
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 | 18,682 | $4,388,980,000 | $234,000 | $1,992,000 | $93,000 | $5,453,000 |
| Refinancing | 3,689 | $886,728,000 | $240,000 | $1,960,000 | $105,000 | $4,349,000 |
| Home Improvement | 55 | $11,063,000 | $201,000 | $500,000 | $84,000 | $238,000 |
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 | 13,179 | $3,224,802,000 | $244,000 | $1,992,000 | $104,000 | $4,529,000 |
| Hispanic | 5,218 | $1,038,412,000 | $199,000 | $808,000 | $69,000 | $2,303,000 |
| Asian | 1,904 | $509,217,000 | $267,000 | $1,300,000 | $112,000 | $5,453,000 |
| Not Provided | 1,070 | $272,132,000 | $254,000 | $1,508,000 | $102,000 | $1,597,000 |
| Black or African American | 846 | $192,050,000 | $227,000 | $677,000 | $79,000 | $823,000 |
| Native Hawaiian or Other Pacific Islander | 156 | $38,973,000 | $249,000 | $544,000 | $94,000 | $461,000 |
| American Indian or Alaskan Native | 53 | $11,185,000 | $211,000 | $490,000 | $95,000 | $518,000 |
| 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) | 13,054 | $3,052,531,000 | $233,000 | $1,992,000 | $111,000 | $5,453,000 |
| FHA-insured (Federal Housing Administration) | 6,868 | $1,581,969,000 | $230,000 | $859,000 | $71,000 | $1,192,000 |
| VA-guaranteed (Veterans Administration) | 1,831 | $538,579,000 | $294,000 | $1,075,000 | $87,000 | $471,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 673 | $113,692,000 | $168,000 | $413,000 | $51,000 | $118,000 |
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 | 15,774 | $3,727,925,000 | $236,000 | $1,992,000 | $96,000 | $5,453,000 |
| Application Withdrawn By Applicant | 3,278 | $751,760,000 | $229,000 | $1,590,000 | $98,000 | $4,434,000 |
| Application Approved But Not Accepted | 2,043 | $492,397,000 | $241,000 | $1,960,000 | $95,000 | $1,526,000 |
| Application Denied By Financial Institution | 1,085 | $243,695,000 | $224,000 | $1,960,000 | $78,000 | $787,000 |
| File Closed For Incompleteness | 246 | $70,994,000 | $288,000 | $1,508,000 | $111,000 | $1,074,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 365 | $94,379,000 | $258,000 | $1,960,000 | $65,000 | $265,000 |
| Credit History | 286 | $60,284,000 | $210,000 | $948,000 | $81,000 | $576,000 |
| Other | 149 | $28,540,000 | $191,000 | $656,000 | $82,000 | $787,000 |
| Collateral | 143 | $28,083,000 | $196,000 | $898,000 | $99,000 | $518,000 |
| Employment History | 73 | $15,653,000 | $214,000 | $449,000 | $67,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 48 | $10,585,000 | $220,000 | $845,000 | $86,000 | $471,000 |
| Unverifiable Information | 11 | $3,515,000 | $319,000 | $808,000 | $101,000 | $216,000 |
| Mortgage Insurance Denied | 5 | $1,144,000 | $228,000 | $266,000 | $80,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Imortgage.Com, Inc.'s 2013 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 Imortgage.Com, Inc.'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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