On Q Financial, LLC Mortgage Lending & HMDA Data, 2011
In 2011, On Q Financial, LLC of Scottsdale, AZ reported 3,585 mortgage applications totaling $1.1 billion, up 16% from 2010. The average application was for $303,639, and applicants reported an average income of $151,828. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (1,452), Oxnard-Thousand Oaks-Ventura, CA (623) and Denver-Aurora-Broomfield, CO (425) (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 | 3,585 |
| Total Mortgage Loan Application Amount | $1,088,547,000 |
| Average Mortgage Loan Application Amount | $303,639 |
| Highest Mortgage Loan Application Amount | $1,964,000 |
| Average Applicant Income | $151,828 |
| Highest Applicant Income | $6,355,000 |
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Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,258 | $ 237,948,000 | $ 189,147 | $ 111,000 |
| Ventura, California | 623 | $ 225,168,000 | $ 361,425 | $ 151,000 |
| Denver, Colorado | 246 | $ 80,399,000 | $ 326,825 | $ 156,000 |
| Santa Barbara, California | 208 | $ 110,302,000 | $ 530,298 | $ 201,000 |
| Los Angeles, California | 196 | $ 85,327,000 | $ 435,341 | $ 211,000 |
| Pinal, Arizona | 194 | $ 18,522,000 | $ 95,474 | $ 75,000 |
| San Diego, California | 145 | $ 62,691,000 | $ 432,351 | $ 210,000 |
| Orange, California | 120 | $ 58,061,000 | $ 483,841 | $ 212,000 |
| King, Washington | 96 | $ 38,443,000 | $ 400,447 | $ 182,000 |
| Arapahoe, Colorado | 61 | $ 18,181,000 | $ 298,049 | $ 164,000 |
| Jefferson, Colorado | 55 | $ 16,515,000 | $ 300,272 | $ 153,000 |
| Douglas, Colorado | 47 | $ 14,467,000 | $ 307,808 | $ 161,000 |
| San Francisco, California | 46 | $ 29,331,000 | $ 637,630 | $ 236,000 |
| Navajo, Arizona | 26 | $ 4,298,000 | $ 165,307 | $ 124,000 |
| San Mateo, California | 18 | $ 14,713,000 | $ 817,388 | $ 307,000 |
| Harris, Texas | 17 | $ 5,471,000 | $ 321,823 | $ 174,000 |
| Summit, Colorado | 14 | $ 5,073,000 | $ 362,357 | $ 270,000 |
| Riverside, California | 13 | $ 3,770,000 | $ 290,000 | $ 340,000 |
| Snohomish, Washington | 12 | $ 3,559,000 | $ 296,583 | $ 108,000 |
| Adams, Colorado | 11 | $ 2,144,000 | $ 194,909 | $ 92,000 |
| Yavapai, Arizona | 10 | $ 1,513,000 | $ 151,300 | $ 85,000 |
| San Luis Obispo, California | 10 | $ 3,093,000 | $ 309,300 | $ 149,000 |
| Pima, Arizona | 9 | $ 1,358,000 | $ 150,888 | $ 768,000 |
| Alameda, California | 9 | $ 4,502,000 | $ 500,222 | $ 189,000 |
| Contra Costa, California | 8 | $ 5,649,000 | $ 706,125 | $ 344,000 |
| Gila, Arizona | 7 | $ 1,505,000 | $ 215,000 | $ 245,000 |
| Kern, California | 6 | $ 1,170,000 | $ 195,000 | $ 230,000 |
| San Bernardino, California | 6 | $ 2,116,000 | $ 352,666 | $ 231,000 |
| Santa Clara, California | 6 | $ 3,303,000 | $ 550,500 | $ 205,000 |
| Onslow, North Carolina | 6 | $ 1,072,000 | $ 178,666 | $ 37,000 |
| Mono, California | 5 | $ 1,568,000 | $ 313,600 | $ 436,000 |
| Boulder, Colorado | 5 | $ 1,436,000 | $ 287,200 | $ 171,000 |
| Larimer, Colorado | 5 | $ 1,102,000 | $ 220,400 | $ 151,000 |
| Pierce, Washington | 5 | $ 1,166,000 | $ 233,200 | $ 120,000 |
| Coconino, Arizona | 4 | $ 1,022,000 | $ 255,500 | $ 217,000 |
| Marin, California | 4 | $ 3,160,000 | $ 790,000 | $ 350,000 |
| New Hanover, North Carolina | 4 | $ 824,000 | $ 206,000 | $ 85,000 |
| Kitsap, Washington | 4 | $ 1,129,000 | $ 282,250 | $ 107,000 |
| Mohave, Arizona | 3 | $ 341,000 | $ 113,666 | $ 67,000 |
| Humboldt, California | 3 | $ 598,000 | $ 199,333 | $ 114,000 |
| Sonoma, California | 3 | $ 1,675,000 | $ 558,333 | $ 243,000 |
| Yolo, California | 3 | $ 741,000 | $ 247,000 | $ 121,000 |
| Broomfield, Colorado | 3 | $ 659,000 | $ 219,666 | $ 105,000 |
| Eagle, Colorado | 3 | $ 1,052,000 | $ 350,666 | $ 465,000 |
| Chelan, Washington | 3 | $ 1,014,000 | $ 338,000 | $ 469,000 |
| Grant, Washington | 3 | $ 475,000 | $ 158,333 | $ 212,000 |
| Apache, Arizona | 2 | $ 426,000 | $ 213,000 | $ 110,000 |
| Napa, California | 2 | $ 769,000 | $ 384,500 | $ 343,000 |
| Placer, California | 2 | $ 702,000 | $ 351,000 | $ 114,000 |
| Park, Colorado | 2 | $ 353,000 | $ 176,500 | $ 120,000 |
| Fort Bend, Texas | 2 | $ 374,000 | $ 187,000 | $ 116,000 |
| Fresno, California | 1 | $ 405,000 | $ 405,000 | $ 149,000 |
| Inyo, California | 1 | $ 183,000 | $ 183,000 | $ 304,000 |
| Nevada, California | 1 | $ 304,000 | $ 304,000 | $ 241,000 |
| Plumas, California | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Sacramento, California | 1 | $ 59,000 | $ 59,000 | $ 31,000 |
| San Joaquin, California | 1 | $ 188,000 | $ 188,000 | $ 101,000 |
| Solano, California | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Tulare, California | 1 | $ 178,000 | $ 178,000 | $ 110,000 |
| El Paso, Colorado | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Garfield, Colorado | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Grand, Colorado | 1 | $ 255,000 | $ 255,000 | $ 186,000 |
| La Plata, Colorado | 1 | $ 141,000 | $ 141,000 | $ 298,000 |
| Pueblo, Colorado | 1 | $ 285,000 | $ 285,000 | $ 122,000 |
| Ada, Idaho | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| Blaine, Idaho | 1 | $ 351,000 | $ 351,000 | $ 259,000 |
| Teton, Idaho | 1 | $ 603,000 | $ 603,000 | $ 3,324,000 |
| Cook, Illinois | 1 | $ 220,000 | $ 220,000 | $ 122,000 |
| Kendall, Illinois | 1 | $ 86,000 | $ 86,000 | $ 368,000 |
| Lake, Illinois | 1 | $ 113,000 | $ 113,000 | $ 376,000 |
| Montgomery, Maryland | 1 | $ 520,000 | $ 520,000 | $ 134,000 |
| Bernalillo, New Mexico | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Sandoval, New Mexico | 1 | $ 84,000 | $ 84,000 | $ 55,000 |
| Cabarrus, North Carolina | 1 | $ 102,000 | $ 102,000 | $ 119,000 |
| Clackamas, Oregon | 1 | $ 196,000 | $ 196,000 | $ 129,000 |
| Josephine, Oregon | 1 | $ 311,000 | $ 311,000 | $ 249,000 |
| Yamhill, Oregon | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Denton, Texas | 1 | $ 736,000 | $ 736,000 | $ 330,000 |
| Montgomery, Texas | 1 | $ 571,000 | $ 571,000 | $ 260,000 |
| Travis, Texas | 1 | $ 313,000 | $ 313,000 | $ 159,000 |
| Benton, Washington | 1 | $ 283,000 | $ 283,000 | $ 327,000 |
| Kittitas, Washington | 1 | $ 328,000 | $ 328,000 | $ 149,000 |
| Spokane, Washington | 1 | $ 248,000 | $ 248,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for On Q Financial, LLC in 2011
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 | 2,265 | $571,610,000 | $252,000 | $1,650,000 | $129,000 | $3,324,000 |
| Refinancing | 1,320 | $516,937,000 | $391,000 | $1,964,000 | $191,000 | $6,355,000 |
| 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 | 2,862 | $902,732,000 | $315,000 | $1,964,000 | $158,000 | $6,355,000 |
| Not Provided | 318 | $85,356,000 | $268,000 | $1,480,000 | $139,000 | $981,000 |
| Hispanic | 211 | $41,936,000 | $198,000 | $968,000 | $86,000 | $730,000 |
| Asian | 148 | $48,191,000 | $325,000 | $1,176,000 | $164,000 | $1,056,000 |
| Black or African American | 27 | $6,097,000 | $225,000 | $882,000 | $82,000 | $246,000 |
| American Indian or Alaskan Native | 11 | $2,513,000 | $228,000 | $676,000 | $169,000 | $428,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,722,000 | $215,000 | $386,000 | $105,000 | $269,000 |
| 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) | 2,775 | $930,882,000 | $335,000 | $1,964,000 | $175,000 | $6,355,000 |
| FHA-insured (Federal Housing Administration) | 673 | $127,896,000 | $190,000 | $809,000 | $74,000 | $385,000 |
| VA-guaranteed (Veterans Administration) | 133 | $29,392,000 | $220,000 | $694,000 | $73,000 | $295,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $377,000 | $94,000 | $160,000 | $43,000 | $57,000 |
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 | 3,350 | $1,010,037,000 | $301,000 | $1,600,000 | $151,000 | $6,355,000 |
| Application Denied By Financial Institution | 151 | $50,439,000 | $334,000 | $1,964,000 | $144,000 | $1,320,000 |
| Application Withdrawn By Applicant | 75 | $25,195,000 | $335,000 | $1,700,000 | $190,000 | $1,052,000 |
| Application Approved But Not Accepted | 8 | $2,726,000 | $340,000 | $626,000 | $308,000 | $1,033,000 |
| File Closed For Incompleteness | 1 | $150,000 | $150,000 | $150,000 | $99,000 | $99,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $2,135,000 | $355,000 | $1,275,000 | $228,000 | $1,012,000 |
| Debt-To-Income Ratio | 4 | $1,157,000 | $289,000 | $487,000 | $71,000 | $90,000 |
| Credit History | 3 | $791,000 | $263,000 | $414,000 | $103,000 | $192,000 |
| Unverifiable Information | 2 | $521,000 | $260,000 | $417,000 | $79,000 | $96,000 |
| Other | 1 | $283,000 | $283,000 | $283,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into On Q Financial, LLC's 2011 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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