National Bank of Arizona Mortgage Lending & HMDA Data, 2014
In 2014, National Bank of Arizona of Phoenix, AZ reported 1,599 mortgage applications totaling $362.5 million, down 28% from 2013. The average application was for $226,689, and applicants reported an average income of $111,952. 47% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (470), Prescott, AZ (262) and Lake Havasu City-Kingman, AZ (203) (applications in parentheses).
| Mortgage Company & Address | National Bank of Arizona 6001 N. 24th Street Phoenix, AZ 85016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,599 |
| Total Mortgage Loan Application Amount | $362,476,000 |
| Average Mortgage Loan Application Amount | $226,689 |
| Highest Mortgage Loan Application Amount | $16,618,000 |
| Average Applicant Income | $111,952 |
| Highest Applicant Income | $4,037,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National Bank of Arizona filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 423 | $ 162,294,000 | $ 383,673 | $ 161,000 |
| Yavapai, Arizona | 262 | $ 62,423,000 | $ 238,255 | $ 103,000 |
| Mohave, Arizona | 203 | $ 22,716,000 | $ 111,901 | $ 63,000 |
| Pima, Arizona | 177 | $ 35,138,000 | $ 198,519 | $ 89,000 |
| Yuma, Arizona | 121 | $ 13,431,000 | $ 111,000 | $ 89,000 |
| Navajo, Arizona | 112 | $ 17,014,000 | $ 151,910 | $ 83,000 |
| Coconino, Arizona | 79 | $ 14,558,000 | $ 184,278 | $ 195,000 |
| Cochise, Arizona | 48 | $ 3,783,000 | $ 78,812 | $ 68,000 |
| Pinal, Arizona | 47 | $ 6,610,000 | $ 140,638 | $ 72,000 |
| Apache, Arizona | 34 | $ 3,163,000 | $ 93,029 | $ 72,000 |
| Gila, Arizona | 28 | $ 7,754,000 | $ 276,928 | $ 132,000 |
| Graham, Arizona | 20 | $ 1,744,000 | $ 87,200 | $ 55,000 |
| La Paz, Arizona | 11 | $ 724,000 | $ 65,818 | $ 136,000 |
| Santa Cruz, Arizona | 8 | $ 1,348,000 | $ 168,500 | $ 65,000 |
| San Diego, California | 6 | $ 2,527,000 | $ 421,166 | $ 279,000 |
| Greenlee, Arizona | 5 | $ 269,000 | $ 53,800 | $ 58,000 |
| Clark, Nevada | 3 | $ 151,000 | $ 50,333 | $ 83,000 |
| Catron, New Mexico | 2 | $ 138,000 | $ 69,000 | $ 49,000 |
| Orange, California | 1 | $ 2,365,000 | $ 2,365,000 | $ 0 |
| Placer, California | 1 | $ 485,000 | $ 485,000 | $ 315,000 |
| San Bernardino, California | 1 | $ 108,000 | $ 108,000 | $ 98,000 |
| Chaffee, Colorado | 1 | $ 103,000 | $ 103,000 | $ 150,000 |
| Wayne, Indiana | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 254,000 | $ 254,000 | $ 73,000 |
| Multnomah, Oregon | 1 | $ 1,000,000 | $ 1,000,000 | $ 586,000 |
| Kane, Utah | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Summit, Utah | 1 | $ 1,900,000 | $ 1,900,000 | $ 0 |
| Kitsap, Washington | 1 | $ 248,000 | $ 248,000 | $ 220,000 |
Mortgage Loan Application Detail Totals for National Bank of Arizona in 2014
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 | 730 | $220,933,000 | $302,000 | $16,618,000 | $132,000 | $2,194,000 |
| Refinancing | 618 | $131,822,000 | $213,000 | $12,789,000 | $98,000 | $2,351,000 |
| Home Improvement | 251 | $9,721,000 | $38,000 | $1,088,000 | $88,000 | $4,037,000 |
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 | 1,176 | $240,874,000 | $204,000 | $4,900,000 | $121,000 | $4,037,000 |
| Hispanic | 225 | $22,533,000 | $100,000 | $965,000 | $57,000 | $489,000 |
| Not Provided | 113 | $41,961,000 | $371,000 | $2,365,000 | $135,000 | $1,500,000 |
| Not applicable | 25 | $46,830,000 | $1,873,000 | $16,618,000 | $0 | $0 |
| American Indian or Alaskan Native | 21 | $1,059,000 | $50,000 | $158,000 | $125,000 | $972,000 |
| Asian | 20 | $7,038,000 | $351,000 | $1,750,000 | $190,000 | $1,021,000 |
| Black or African American | 13 | $1,305,000 | $100,000 | $334,000 | $55,000 | $166,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $876,000 | $146,000 | $348,000 | $173,000 | $453,000 |
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) | 1,474 | $343,781,000 | $233,000 | $16,618,000 | $117,000 | $4,037,000 |
| FHA-insured (Federal Housing Administration) | 68 | $9,860,000 | $145,000 | $257,000 | $53,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 36 | $6,241,000 | $173,000 | $371,000 | $63,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,594,000 | $123,000 | $167,000 | $40,000 | $78,000 |
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 | 758 | $193,047,000 | $254,000 | $16,618,000 | $107,000 | $2,194,000 |
| Application Denied By Financial Institution | 511 | $79,502,000 | $155,000 | $4,900,000 | $92,000 | $4,037,000 |
| Application Approved But Not Accepted | 315 | $85,315,000 | $270,000 | $2,000,000 | $154,000 | $2,351,000 |
| Application Withdrawn By Applicant | 12 | $3,382,000 | $281,000 | $680,000 | $156,000 | $1,068,000 |
| File Closed For Incompleteness | 3 | $1,230,000 | $410,000 | $960,000 | $102,000 | $156,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 304 | $25,792,000 | $84,000 | $1,100,000 | $94,000 | $4,037,000 |
| Debt-To-Income Ratio | 105 | $26,856,000 | $255,000 | $2,365,000 | $48,000 | $238,000 |
| Collateral | 63 | $15,775,000 | $250,000 | $4,900,000 | $121,000 | $1,159,000 |
| Other | 21 | $3,244,000 | $154,000 | $400,000 | $173,000 | $1,920,000 |
| Employment History | 6 | $2,130,000 | $355,000 | $1,000,000 | $137,000 | $326,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $3,267,000 | $544,000 | $1,500,000 | $132,000 | $480,000 |
| Unverifiable Information | 4 | $740,000 | $185,000 | $330,000 | $102,000 | $157,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Bank of Arizona's 2014 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 National Bank of Arizona'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.
For a list of all lenders in Arizona, download the full spreadsheet
with aggregated HMDA statistics today.
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