On Q Financial, LLC Mortgage Lending & HMDA Data, 2010
In 2010, On Q Financial, LLC of Scottsdale, AZ reported 3,092 mortgage applications totaling $867.8 million, up 61% from 2009. The average application was for $280,656, and applicants reported an average income of $132,744. 92% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (1,590), Oxnard-Thousand Oaks-Ventura, CA (484) and Seattle-Bellevue-Everett, WA (196) (applications in parentheses).
| Mortgage Company & Address | On Q Financial, LLC 4800 Scottsdale Rd Suite 5500 Scottsdale, AZ 85260 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 3,092 |
| Total Mortgage Loan Application Amount | $867,791,000 |
| Average Mortgage Loan Application Amount | $280,656 |
| Highest Mortgage Loan Application Amount | $2,730,000 |
| Average Applicant Income | $132,744 |
| Highest Applicant Income | $4,265,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 1,380 | $ 255,404,000 | $ 185,075 | $ 91,000 |
| Ventura, California | 484 | $ 181,150,000 | $ 374,276 | $ 160,000 |
| Pinal, Arizona | 210 | $ 21,853,000 | $ 104,061 | $ 57,000 |
| Los Angeles, California | 187 | $ 83,185,000 | $ 444,839 | $ 212,000 |
| King, Washington | 177 | $ 69,314,000 | $ 391,604 | $ 177,000 |
| San Diego, California | 137 | $ 53,727,000 | $ 392,167 | $ 175,000 |
| Santa Barbara, California | 129 | $ 70,293,000 | $ 544,906 | $ 233,000 |
| Denver, Colorado | 42 | $ 13,340,000 | $ 317,619 | $ 149,000 |
| Orange, California | 27 | $ 11,946,000 | $ 442,444 | $ 312,000 |
| Navajo, Arizona | 23 | $ 4,453,000 | $ 193,608 | $ 162,000 |
| Arapahoe, Colorado | 21 | $ 7,768,000 | $ 369,904 | $ 201,000 |
| Douglas, Colorado | 20 | $ 5,770,000 | $ 288,500 | $ 141,000 |
| Snohomish, Washington | 19 | $ 5,808,000 | $ 305,684 | $ 104,000 |
| Riverside, California | 16 | $ 4,263,000 | $ 266,437 | $ 139,000 |
| Jefferson, Colorado | 12 | $ 4,014,000 | $ 334,500 | $ 167,000 |
| San Francisco, California | 11 | $ 6,147,000 | $ 558,818 | $ 173,000 |
| Pima, Arizona | 10 | $ 1,360,000 | $ 136,000 | $ 79,000 |
| Yavapai, Arizona | 10 | $ 2,071,000 | $ 207,100 | $ 144,000 |
| San Bernardino, California | 10 | $ 2,345,000 | $ 234,500 | $ 126,000 |
| San Mateo, California | 10 | $ 7,844,000 | $ 784,400 | $ 215,000 |
| Santa Clara, California | 9 | $ 5,420,000 | $ 602,222 | $ 227,000 |
| Pierce, Washington | 9 | $ 2,613,000 | $ 290,333 | $ 113,000 |
| Placer, California | 8 | $ 2,395,000 | $ 299,375 | $ 395,000 |
| Gila, Arizona | 7 | $ 1,244,000 | $ 177,714 | $ 93,000 |
| Alameda, California | 7 | $ 2,887,000 | $ 412,428 | $ 147,000 |
| Cook, Illinois | 7 | $ 2,339,000 | $ 334,142 | $ 183,000 |
| Coconino, Arizona | 5 | $ 1,095,000 | $ 219,000 | $ 118,000 |
| Contra Costa, California | 5 | $ 2,405,000 | $ 481,000 | $ 255,000 |
| Kern, California | 5 | $ 944,000 | $ 188,800 | $ 160,000 |
| San Luis Obispo, California | 5 | $ 1,571,000 | $ 314,200 | $ 178,000 |
| Kitsap, Washington | 5 | $ 1,683,000 | $ 336,600 | $ 112,000 |
| Marin, California | 4 | $ 3,100,000 | $ 775,000 | $ 417,000 |
| Mono, California | 4 | $ 1,445,000 | $ 361,250 | $ 163,000 |
| Sacramento, California | 4 | $ 1,375,000 | $ 343,750 | $ 190,000 |
| Nevada, California | 3 | $ 1,225,000 | $ 408,333 | $ 144,000 |
| Boulder, Colorado | 3 | $ 693,000 | $ 231,000 | $ 97,000 |
| Eagle, Colorado | 3 | $ 1,552,000 | $ 517,333 | $ 340,000 |
| Skagit, Washington | 3 | $ 1,205,000 | $ 401,666 | $ 142,000 |
| Yuma, Arizona | 2 | $ 256,000 | $ 128,000 | $ 47,000 |
| El Dorado, California | 2 | $ 734,000 | $ 367,000 | $ 102,000 |
| Fresno, California | 2 | $ 365,000 | $ 182,500 | $ 85,000 |
| Monterey, California | 2 | $ 1,115,000 | $ 557,500 | $ 188,000 |
| Napa, California | 2 | $ 741,000 | $ 370,500 | $ 104,000 |
| Santa Cruz, California | 2 | $ 1,146,000 | $ 573,000 | $ 238,000 |
| Adams, Colorado | 2 | $ 251,000 | $ 125,500 | $ 42,000 |
| Summit, Colorado | 2 | $ 614,000 | $ 307,000 | $ 213,000 |
| Honolulu, Hawaii | 2 | $ 777,000 | $ 388,500 | $ 90,000 |
| DuPage, Illinois | 2 | $ 734,000 | $ 367,000 | $ 132,000 |
| Lake, Illinois | 2 | $ 597,000 | $ 298,500 | $ 121,000 |
| Bernalillo, New Mexico | 2 | $ 457,000 | $ 228,500 | $ 80,000 |
| Valencia, New Mexico | 2 | $ 292,000 | $ 146,000 | $ 71,000 |
| Montgomery, Texas | 2 | $ 1,463,000 | $ 731,500 | $ 313,000 |
| Clallam, Washington | 2 | $ 662,000 | $ 331,000 | $ 143,000 |
| Jefferson, Washington | 2 | $ 657,000 | $ 328,500 | $ 94,000 |
| Whatcom, Washington | 2 | $ 464,000 | $ 232,000 | $ 122,000 |
| Yakima, Washington | 2 | $ 241,000 | $ 120,500 | $ 94,000 |
| Jefferson, Alabama | 1 | $ 143,000 | $ 143,000 | $ 25,000 |
| Mohave, Arizona | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Sonoma, California | 1 | $ 602,000 | $ 602,000 | $ 197,000 |
| Yolo, California | 1 | $ 150,000 | $ 150,000 | $ 127,000 |
| Broomfield, Colorado | 1 | $ 247,000 | $ 247,000 | $ 80,000 |
| Grand, Colorado | 1 | $ 413,000 | $ 413,000 | $ 1,182,000 |
| New Haven, Connecticut | 1 | $ 211,000 | $ 211,000 | $ 190,000 |
| Orange, Florida | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Bryan, Georgia | 1 | $ 143,000 | $ 143,000 | $ 133,000 |
| DeKalb, Georgia | 1 | $ 212,000 | $ 212,000 | $ 86,000 |
| Hawaii, Hawaii | 1 | $ 248,000 | $ 248,000 | $ 299,000 |
| Ada, Idaho | 1 | $ 240,000 | $ 240,000 | $ 74,000 |
| Blaine, Idaho | 1 | $ 417,000 | $ 417,000 | $ 690,000 |
| McHenry, Illinois | 1 | $ 375,000 | $ 375,000 | $ 192,000 |
| Kings, New York | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,733,000 |
| Clackamas, Oregon | 1 | $ 300,000 | $ 300,000 | $ 144,000 |
| Charleston, South Carolina | 1 | $ 348,000 | $ 348,000 | $ 163,000 |
| Harris, Texas | 1 | $ 266,000 | $ 266,000 | $ 154,000 |
| Travis, Texas | 1 | $ 401,000 | $ 401,000 | $ 272,000 |
| Fairfax, Virginia | 1 | $ 600,000 | $ 600,000 | $ 368,000 |
| Virginia Beach, Virginia | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Chelan, Washington | 1 | $ 407,000 | $ 407,000 | $ 86,000 |
| Kittitas, Washington | 1 | $ 206,000 | $ 206,000 | $ 71,000 |
| Mason, Washington | 1 | $ 320,000 | $ 320,000 | $ 64,000 |
| Spokane, Washington | 1 | $ 417,000 | $ 417,000 | $ 238,000 |
Mortgage Loan Application Detail Totals for On Q Financial, LLC in 2010
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 | 1,635 | $349,042,000 | $213,000 | $2,000,000 | $103,000 | $4,265,000 |
| Refinancing | 1,442 | $515,245,000 | $357,000 | $2,730,000 | $166,000 | $1,433,000 |
| Home Improvement | 15 | $3,504,000 | $233,000 | $500,000 | $178,000 | $740,000 |
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 | 2,426 | $701,620,000 | $289,000 | $2,730,000 | $138,000 | $4,265,000 |
| Not Provided | 260 | $79,464,000 | $305,000 | $1,425,000 | $145,000 | $820,000 |
| Hispanic | 240 | $41,751,000 | $173,000 | $990,000 | $72,000 | $396,000 |
| Asian | 116 | $35,410,000 | $305,000 | $1,200,000 | $137,000 | $527,000 |
| Black or African American | 38 | $6,980,000 | $183,000 | $493,000 | $83,000 | $386,000 |
| American Indian or Alaskan Native | 7 | $1,502,000 | $214,000 | $350,000 | $130,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,064,000 | $212,000 | $389,000 | $89,000 | $123,000 |
| 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) | 2,148 | $699,867,000 | $325,000 | $2,730,000 | $161,000 | $4,265,000 |
| FHA-insured (Federal Housing Administration) | 845 | $147,867,000 | $174,000 | $743,000 | $67,000 | $642,000 |
| VA-guaranteed (Veterans Administration) | 99 | $20,057,000 | $202,000 | $676,000 | $68,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,852 | $794,343,000 | $278,000 | $2,000,000 | $134,000 | $4,265,000 |
| Application Denied By Financial Institution | 217 | $63,980,000 | $294,000 | $1,855,000 | $112,000 | $2,040,000 |
| Application Withdrawn By Applicant | 18 | $7,716,000 | $428,000 | $2,730,000 | $209,000 | $764,000 |
| Application Approved But Not Accepted | 5 | $1,752,000 | $350,000 | $417,000 | $109,000 | $132,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1 | $417,000 | $417,000 | $417,000 | $104,000 | $104,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into On Q Financial, LLC's 2010 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 On Q Financial, 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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