Joe Klein Enterprises Ltd Mortgage Lending & HMDA Data, 2009

In 2009, Joe Klein Enterprises Ltd of Scottsdale, AZ reported 439 mortgage applications totaling $94.9 million. The average application was for $216,248, and applicants reported an average income of $83,646. 50% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (166), Los Angeles-Long Beach-Glendale, CA (38) and Chicago-Naperville-Joliet, IL (22) (applications in parentheses).

Mortgage Company & Address Joe Klein Enterprises Ltd
15011 N 75th Street
Scottsdale, AZ 85260
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  
Total Number of Mortgage Applications 439
Total Mortgage Loan Application Amount $94,933,000
Average Mortgage Loan Application Amount $216,248
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $83,646
Highest Applicant Income $1,518,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Joe Klein Enterprises Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Joe Klein Enterprises Ltd by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 158 $ 25,630,000 $ 162,215 $ 82,000
Los Angeles, California 38 $ 10,760,000 $ 283,157 $ 113,000
Orange, California 16 $ 6,144,000 $ 384,000 $ 122,000
Cook, Illinois 15 $ 6,837,000 $ 455,800 $ 158,000
Mesa, Colorado 13 $ 2,599,000 $ 199,923 $ 35,000
Riverside, California 11 $ 1,902,000 $ 172,909 $ 112,000
Pima, Arizona 10 $ 2,407,000 $ 240,700 $ 48,000
Pinal, Arizona 8 $ 1,001,000 $ 125,125 $ 56,000
Alameda, California 8 $ 3,355,000 $ 419,375 $ 105,000
Sacramento, California 8 $ 1,246,000 $ 155,750 $ 53,000
Yavapai, Arizona 5 $ 1,079,000 $ 215,800 $ 76,000
Contra Costa, California 5 $ 1,245,000 $ 249,000 $ 86,000
Fresno, California 5 $ 1,139,000 $ 227,800 $ 87,000
San Diego, California 4 $ 1,415,000 $ 353,750 $ 94,000
San Joaquin, California 4 $ 758,000 $ 189,500 $ 60,000
Jefferson, Colorado 4 $ 954,000 $ 238,500 $ 52,000
St. Louis, Missouri 4 $ 462,000 $ 115,500 $ 58,000
Mobile, Alabama 3 $ 283,000 $ 94,333 $ 37,000
San Bernardino, California 3 $ 470,000 $ 156,666 $ 54,000
Stanislaus, California 3 $ 451,000 $ 150,333 $ 74,000
Arapahoe, Colorado 3 $ 627,000 $ 209,000 $ 35,000
Denver, Colorado 3 $ 307,000 $ 102,333 $ 14,000
Brevard, Florida 3 $ 337,000 $ 112,333 $ 42,000
Hillsborough, Florida 3 $ 569,000 $ 189,666 $ 54,000
Palm Beach, Florida 3 $ 423,000 $ 141,000 $ 79,000
DuPage, Illinois 3 $ 413,000 $ 137,666 $ 163,000
Kane, Illinois 3 $ 691,000 $ 230,333 $ 140,000
Salt Lake, Utah 3 $ 555,000 $ 185,000 $ 29,000
Placer, California 2 $ 517,000 $ 258,500 $ 90,000
San Mateo, California 2 $ 792,000 $ 396,000 $ 87,000
Solano, California 2 $ 339,000 $ 169,500 $ 51,000
Ventura, California 2 $ 932,000 $ 466,000 $ 119,000
Adams, Colorado 2 $ 247,000 $ 123,500 $ 45,000
Douglas, Colorado 2 $ 940,000 $ 470,000 $ 96,000
Garfield, Colorado 2 $ 450,000 $ 225,000 $ 0
Pitkin, Colorado 2 $ 411,000 $ 205,500 $ 44,000
Broward, Florida 2 $ 176,000 $ 88,000 $ 48,000
Collier, Florida 2 $ 591,000 $ 295,500 $ 169,000
Lee, Florida 2 $ 1,217,000 $ 608,500 $ 186,000
Miami-Dade, Florida 2 $ 497,000 $ 248,500 $ 71,000
Pinellas, Florida 2 $ 213,000 $ 106,500 $ 41,000
Lake, Illinois 2 $ 436,000 $ 218,000 $ 68,000
St. Louis City, Missouri 2 $ 211,000 $ 105,500 $ 68,000
Bernalillo, New Mexico 2 $ 211,000 $ 105,500 $ 44,000
Dona Ana, New Mexico 2 $ 235,000 $ 117,500 $ 34,000
Eddy, New Mexico 2 $ 167,000 $ 83,500 $ 56,000
Santa Fe, New Mexico 2 $ 1,129,000 $ 564,500 $ 294,000
Laramie, Wyoming 2 $ 232,000 $ 116,000 $ 32,000
Lowndes, Alabama 1 $ 417,000 $ 417,000 $ 84,000
Madison, Alabama 1 $ 60,000 $ 60,000 $ 39,000
Marengo, Alabama 1 $ 137,000 $ 137,000 $ 33,000
Greenlee, Arizona 1 $ 132,000 $ 132,000 $ 36,000
Mohave, Arizona 1 $ 224,000 $ 224,000 $ 0
Navajo, Arizona 1 $ 228,000 $ 228,000 $ 0
Santa Cruz, Arizona 1 $ 126,000 $ 126,000 $ 33,000
Yuma, Arizona 1 $ 201,000 $ 201,000 $ 55,000
Humboldt, California 1 $ 180,000 $ 180,000 $ 0
Imperial, California 1 $ 180,000 $ 180,000 $ 185,000
Merced, California 1 $ 147,000 $ 147,000 $ 40,000
Nevada, California 1 $ 251,000 $ 251,000 $ 85,000
San Benito, California 1 $ 212,000 $ 212,000 $ 95,000
Santa Clara, California 1 $ 371,000 $ 371,000 $ 106,000
Santa Cruz, California 1 $ 160,000 $ 160,000 $ 255,000
Archuleta, Colorado 1 $ 330,000 $ 330,000 $ 55,000
Delta, Colorado 1 $ 162,000 $ 162,000 $ 17,000
Eagle, Colorado 1 $ 1,389,000 $ 1,389,000 $ 322,000
El Paso, Colorado 1 $ 175,000 $ 175,000 $ 0
Montrose, Colorado 1 $ 173,000 $ 173,000 $ 57,000
Weld, Colorado 1 $ 128,000 $ 128,000 $ 104,000
Alachua, Florida 1 $ 96,000 $ 96,000 $ 34,000
Charlotte, Florida 1 $ 136,000 $ 136,000 $ 64,000
Lake, Florida 1 $ 154,000 $ 154,000 $ 42,000
Leon, Florida 1 $ 146,000 $ 146,000 $ 55,000
Orange, Florida 1 $ 48,000 $ 48,000 $ 51,000
Pasco, Florida 1 $ 52,000 $ 52,000 $ 35,000
Volusia, Florida 1 $ 113,000 $ 113,000 $ 0
Honolulu, Hawaii 1 $ 266,000 $ 266,000 $ 114,000
DeKalb, Illinois 1 $ 103,000 $ 103,000 $ 87,000
Monroe, Illinois 1 $ 202,000 $ 202,000 $ 115,000
St. Clair, Illinois 1 $ 242,000 $ 242,000 $ 248,000
Barnstable, Massachusetts 1 $ 417,000 $ 417,000 $ 101,000
Middlesex, Massachusetts 1 $ 320,000 $ 320,000 $ 45,000
Washtenaw, Michigan 1 $ 380,000 $ 380,000 $ 97,000
George, Mississippi 1 $ 148,000 $ 148,000 $ 83,000
Lowndes, Mississippi 1 $ 223,000 $ 223,000 $ 0
Cass, Missouri 1 $ 222,000 $ 222,000 $ 124,000
Jefferson, Missouri 1 $ 110,000 $ 110,000 $ 38,000
St. Charles, Missouri 1 $ 249,000 $ 249,000 $ 102,000
Orange, New York 1 $ 227,000 $ 227,000 $ 133,000
Rockland, New York 1 $ 257,000 $ 257,000 $ 60,000
Lincoln, Oregon 1 $ 284,000 $ 284,000 $ 94,000
Charleston, South Carolina 1 $ 85,000 $ 85,000 $ 61,000
Davis, Utah 1 $ 245,000 $ 245,000 $ 0
Duchesne, Utah 1 $ 230,000 $ 230,000 $ 96,000
Utah, Utah 1 $ 193,000 $ 193,000 $ 68,000
Washakie, Wyoming 1 $ 60,000 $ 60,000 $ 33,000

Mortgage Loan Application Detail Totals for Joe Klein Enterprises Ltd in 2009

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 241 $46,405,000 $192,000 $2,000,000 $85,000 $1,518,000
Refinancing 198 $48,528,000 $245,000 $1,389,000 $82,000 $864,000
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 204 $47,342,000 $232,000 $1,850,000 $97,000 $1,518,000
Hispanic 110 $17,638,000 $160,000 $553,000 $56,000 $623,000
Not Provided 65 $18,192,000 $279,000 $2,000,000 $93,000 $864,000
Black or African American 32 $5,738,000 $179,000 $417,000 $84,000 $667,000
Asian 26 $5,716,000 $219,000 $570,000 $71,000 $165,000
American Indian or Alaskan Native 1 $184,000 $184,000 $184,000 $36,000 $36,000
Native Hawaiian or Other Pacific Islander 1 $123,000 $123,000 $123,000 $145,000 $145,000
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
FHA-insured (Federal Housing Administration) 236 $42,081,000 $178,000 $570,000 $47,000 $204,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 179 $47,975,000 $268,000 $2,000,000 $136,000 $1,518,000
VA-guaranteed (Veterans Administration) 21 $4,211,000 $200,000 $562,000 $52,000 $187,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $666,000 $222,000 $386,000 $49,000 $72,000

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 221 $50,200,000 $227,000 $2,000,000 $91,000 $1,518,000
Application Withdrawn By Applicant 116 $24,006,000 $206,000 $900,000 $68,000 $623,000
Application Denied By Financial Institution 85 $17,515,000 $206,000 $1,850,000 $89,000 $855,000
File Closed For Incompleteness 15 $2,872,000 $191,000 $570,000 $74,000 $214,000
Preapproval Approved but not Accepted 2 $340,000 $170,000 $184,000 $38,000 $45,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 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 22 $5,213,000 $236,000 $1,850,000 $139,000 $855,000
Debt-To-Income Ratio 20 $6,597,000 $329,000 $1,389,000 $105,000 $324,000
Credit History 17 $2,508,000 $147,000 $353,000 $61,000 $185,000
Other 10 $1,302,000 $130,000 $309,000 $64,000 $255,000
Unverifiable Information 9 $1,203,000 $133,000 $318,000 $49,000 $84,000
Insufficient Cash (Downpayment, Closing Cost) 4 $482,000 $120,000 $152,000 $55,000 $73,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Joe Klein Enterprises Ltd's 2009 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 Joe Klein Enterprises Ltd'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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