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Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,452 | $ 256,470,000 | $ 176,632 | $ 106,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 623 | $ 225,168,000 | $ 361,425 | $ 151,000 |
| Denver-Aurora-Broomfield, CO | 425 | $ 132,718,000 | $ 312,277 | $ 155,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 208 | $ 110,302,000 | $ 530,298 | $ 201,000 |
| Los Angeles-Long Beach-Glendale, CA | 196 | $ 85,327,000 | $ 435,341 | $ 211,000 |
| San Diego-Carlsbad-San Marcos, CA | 145 | $ 62,691,000 | $ 432,351 | $ 210,000 |
| Santa Ana-Anaheim-Irvine, CA | 120 | $ 58,061,000 | $ 483,841 | $ 212,000 |
| Seattle-Bellevue-Everett, WA | 108 | $ 42,002,000 | $ 388,907 | $ 174,000 |
| San Francisco-San Mateo-Redwood City, CA | 68 | $ 47,204,000 | $ 694,176 | $ 262,000 |
| Houston-Sugar Land-Baytown, TX | 20 | $ 6,416,000 | $ 320,800 | $ 173,000 |
| Riverside-San Bernardino-Ontario, CA | 19 | $ 5,886,000 | $ 309,789 | $ 305,000 |
| Oakland-Fremont-Hayward, CA | 17 | $ 10,151,000 | $ 597,117 | $ 262,000 |
| Prescott, AZ | 10 | $ 1,513,000 | $ 151,300 | $ 85,000 |
| San Luis Obispo-Paso Robles, CA | 10 | $ 3,093,000 | $ 309,300 | $ 149,000 |
| Tucson, AZ | 9 | $ 1,358,000 | $ 150,888 | $ 768,000 |
| Bakersfield-Delano, CA | 6 | $ 1,170,000 | $ 195,000 | $ 230,000 |
| Jacksonville, NC | 6 | $ 1,072,000 | $ 178,666 | $ 37,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 1,502,000 | $ 250,333 | $ 104,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,303,000 | $ 550,500 | $ 205,000 |
| Boulder, CO | 5 | $ 1,436,000 | $ 287,200 | $ 171,000 |
| Fort Collins-Loveland, CO | 5 | $ 1,102,000 | $ 220,400 | $ 151,000 |
| Tacoma, WA | 5 | $ 1,166,000 | $ 233,200 | $ 120,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,129,000 | $ 282,250 | $ 107,000 |
| Flagstaff, AZ | 4 | $ 1,022,000 | $ 255,500 | $ 217,000 |
| Wilmington, NC | 4 | $ 824,000 | $ 206,000 | $ 85,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 341,000 | $ 113,666 | $ 67,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 1,675,000 | $ 558,333 | $ 243,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 1,014,000 | $ 338,000 | $ 469,000 |
| Albuquerque, NM | 2 | $ 296,000 | $ 148,000 | $ 72,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 306,000 | $ 153,000 | $ 245,000 |
| Napa, CA | 2 | $ 769,000 | $ 384,500 | $ 343,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 261,000 | $ 130,500 | $ 116,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 313,000 | $ 313,000 | $ 159,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 520,000 | $ 520,000 | $ 134,000 |
| Boise City-Nampa, ID | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 102,000 | $ 102,000 | $ 119,000 |
| Colorado Springs, CO | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Dallas-Plano-Irving, TX | 1 | $ 736,000 | $ 736,000 | $ 330,000 |
| Fresno, CA | 1 | $ 405,000 | $ 405,000 | $ 149,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 283,000 | $ 283,000 | $ 327,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 113,000 | $ 113,000 | $ 376,000 |
| Pueblo, CO | 1 | $ 285,000 | $ 285,000 | $ 122,000 |
| Spokane, WA | 1 | $ 248,000 | $ 248,000 | $ 77,000 |
| Stockton, CA | 1 | $ 188,000 | $ 188,000 | $ 101,000 |
| Vallejo-Fairfield, CA | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Visalia-Porterville, CA | 1 | $ 178,000 | $ 178,000 | $ 110,000 |
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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