On Q Financial, LLC Mortgage Lending & HMDA Data, 2012
In 2012, On Q Financial, LLC of Scottsdale, AZ reported 8,112 mortgage applications totaling $2.5 billion, up 126% from 2011. The average application was for $306,296, and applicants reported an average income of $149,366. 77% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (2,740), Oxnard-Thousand Oaks-Ventura, CA (1,183) and Santa Ana-Anaheim-Irvine, CA (751) (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 | 8,112 |
| Total Mortgage Loan Application Amount | $2,484,679,000 |
| Average Mortgage Loan Application Amount | $306,296 |
| Highest Mortgage Loan Application Amount | $3,220,000 |
| Average Applicant Income | $149,366 |
| Highest Applicant Income | $5,940,000 |
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Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,740 | $ 618,676,000 | $ 225,794 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,183 | $ 425,442,000 | $ 359,629 | $ 158,000 |
| Santa Ana-Anaheim-Irvine, CA | 751 | $ 365,555,000 | $ 486,757 | $ 214,000 |
| Denver-Aurora-Broomfield, CO | 600 | $ 180,904,000 | $ 301,506 | $ 148,000 |
| Los Angeles-Long Beach-Glendale, CA | 503 | $ 209,151,000 | $ 415,807 | $ 185,000 |
| Houston-Sugar Land-Baytown, TX | 362 | $ 90,465,000 | $ 249,903 | $ 145,000 |
| San Diego-Carlsbad-San Marcos, CA | 224 | $ 93,930,000 | $ 419,330 | $ 187,000 |
| Seattle-Bellevue-Everett, WA | 152 | $ 68,297,000 | $ 449,322 | $ 218,000 |
| Wilmington, NC | 131 | $ 23,648,000 | $ 180,519 | $ 87,000 |
| Jacksonville, NC | 116 | $ 20,502,000 | $ 176,741 | $ 53,000 |
| Santa Cruz-Watsonville, CA | 109 | $ 44,901,000 | $ 411,935 | $ 155,000 |
| Riverside-San Bernardino-Ontario, CA | 100 | $ 23,524,000 | $ 235,240 | $ 202,000 |
| Raleigh-Cary, NC | 89 | $ 17,581,000 | $ 197,539 | $ 89,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 79 | $ 40,844,000 | $ 517,012 | $ 295,000 |
| Dallas-Plano-Irving, TX | 72 | $ 18,199,000 | $ 252,763 | $ 157,000 |
| Tucson, AZ | 42 | $ 7,481,000 | $ 178,119 | $ 102,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 41 | $ 11,647,000 | $ 284,073 | $ 133,000 |
| San Francisco-San Mateo-Redwood City, CA | 31 | $ 15,178,000 | $ 489,612 | $ 218,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 28 | $ 10,842,000 | $ 387,214 | $ 212,928 |
| Oakland-Fremont-Hayward, CA | 26 | $ 15,285,000 | $ 587,884 | $ 219,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 21 | $ 4,374,000 | $ 208,285 | $ 99,000 |
| Durham-Chapel Hill, NC | 21 | $ 4,170,000 | $ 198,571 | $ 117,000 |
| Flagstaff, AZ | 21 | $ 4,671,000 | $ 222,428 | $ 190,000 |
| San Luis Obispo-Paso Robles, CA | 21 | $ 8,818,000 | $ 419,904 | $ 280,000 |
| Orlando-Kissimmee-Sanford, FL | 20 | $ 4,528,000 | $ 226,400 | $ 93,000 |
| Tacoma, WA | 20 | $ 4,341,000 | $ 217,050 | $ 129,000 |
| Bakersfield-Delano, CA | 17 | $ 2,856,000 | $ 168,000 | $ 108,000 |
| Chicago-Joliet-Naperville, IL | 17 | $ 5,232,000 | $ 307,764 | $ 130,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 4,020,000 | $ 268,000 | $ 108,000 |
| Prescott, AZ | 15 | $ 3,327,000 | $ 221,800 | $ 105,000 |
| Boulder, CO | 14 | $ 4,001,000 | $ 285,785 | $ 114,000 |
| Jacksonville, FL | 14 | $ 2,586,000 | $ 184,714 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 3,587,000 | $ 256,214 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 5,367,000 | $ 412,846 | $ 136,000 |
| Austin-Round Rock-San Marcos, TX | 11 | $ 2,304,000 | $ 209,454 | $ 107,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 2,707,000 | $ 246,090 | $ 92,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 2,796,000 | $ 279,600 | $ 88,000 |
| San Antonio-New Braunfels, TX | 10 | $ 2,062,000 | $ 206,200 | $ 110,000 |
| Lakeland-Winter Haven, FL | 9 | $ 1,692,000 | $ 188,000 | $ 99,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 2,009,000 | $ 223,222 | $ 84,000 |
| Fort Collins-Loveland, CO | 8 | $ 1,553,000 | $ 194,125 | $ 90,000 |
| Bremerton-Silverdale, WA | 7 | $ 1,947,000 | $ 278,142 | $ 147,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,510,000 | $ 215,714 | $ 97,000 |
| Fort Worth-Arlington, TX | 7 | $ 1,062,000 | $ 151,714 | $ 135,000 |
| North Port-Bradenton-Sarasota, FL | 7 | $ 1,114,000 | $ 159,142 | $ 78,000 |
| Fresno, CA | 6 | $ 1,469,000 | $ 244,833 | $ 99,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,174,000 | $ 195,666 | $ 90,000 |
| Napa, CA | 6 | $ 1,932,000 | $ 322,000 | $ 200,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,492,000 | $ 248,666 | $ 148,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 1,611,000 | $ 268,500 | $ 141,000 |
| College Station-Bryan, TX | 5 | $ 971,000 | $ 194,200 | $ 166,000 |
| Corpus Christi, TX | 5 | $ 812,000 | $ 162,400 | $ 152,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 873,000 | $ 174,600 | $ 58,000 |
| Albuquerque, NM | 4 | $ 773,000 | $ 193,250 | $ 87,000 |
| Bellingham, WA | 4 | $ 1,037,000 | $ 259,250 | $ 66,000 |
| Modesto, CA | 4 | $ 1,122,000 | $ 280,500 | $ 90,000 |
| Stockton, CA | 4 | $ 918,000 | $ 229,500 | $ 79,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,431,000 | $ 357,750 | $ 126,000 |
| Colorado Springs, CO | 3 | $ 597,000 | $ 199,000 | $ 213,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 529,000 | $ 176,333 | $ 77,000 |
| Palm Coast, FL | 3 | $ 439,000 | $ 146,333 | $ 70,000 |
| Salinas, CA | 3 | $ 959,000 | $ 319,666 | $ 101,000 |
| Spokane, WA | 3 | $ 691,000 | $ 230,333 | $ 90,000 |
| Tallahassee, FL | 3 | $ 740,000 | $ 246,666 | $ 88,000 |
| Vallejo-Fairfield, CA | 3 | $ 863,000 | $ 287,666 | $ 90,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 934,000 | $ 311,333 | $ 173,000 |
| Amarillo, TX | 2 | $ 223,000 | $ 111,500 | $ 74,000 |
| Bend, OR | 2 | $ 343,000 | $ 171,500 | $ 123,000 |
| Boston-Quincy, MA | 2 | $ 425,000 | $ 212,500 | $ 108,000 |
| Burlington, NC | 2 | $ 201,000 | $ 100,500 | $ 60,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 504,000 | $ 252,000 | $ 100,000 |
| Grand Junction, CO | 2 | $ 658,000 | $ 329,000 | $ 120,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 351,000 | $ 175,500 | $ 70,000 |
| Las Cruces, NM | 2 | $ 572,000 | $ 286,000 | $ 102,000 |
| Lynchburg, VA | 2 | $ 260,000 | $ 130,000 | $ 62,000 |
| Medford, OR | 2 | $ 329,000 | $ 164,500 | $ 54,000 |
| Naples-Marco Island, FL | 2 | $ 438,000 | $ 219,000 | $ 69,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 301,000 | $ 150,500 | $ 71,000 |
| Port St. Lucie, FL | 2 | $ 386,000 | $ 193,000 | $ 79,000 |
| Redding, CA | 2 | $ 314,000 | $ 157,000 | $ 68,000 |
| Salem, OR | 2 | $ 285,000 | $ 142,500 | $ 52,000 |
| Salt Lake City, UT | 2 | $ 353,000 | $ 176,500 | $ 58,000 |
| Visalia-Porterville, CA | 2 | $ 548,000 | $ 274,000 | $ 131,000 |
| Yuma, AZ | 2 | $ 408,000 | $ 204,000 | $ 82,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 180,000 | $ 180,000 | $ 68,000 |
| Birmingham-Hoover, AL | 1 | $ 351,000 | $ 351,000 | $ 87,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 226,000 | $ 226,000 | $ 130,000 |
| Boise City-Nampa, ID | 1 | $ 226,000 | $ 226,000 | $ 66,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 455,000 | $ 455,000 | $ 149,000 |
| Chico, CA | 1 | $ 162,000 | $ 162,000 | $ 105,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 393,000 | $ 393,000 | $ 0 |
| El Paso, TX | 1 | $ 68,000 | $ 68,000 | $ 96,000 |
| Eugene-Springfield, OR | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Fayetteville, NC | 1 | $ 168,000 | $ 168,000 | $ 140,000 |
| Goldsboro, NC | 1 | $ 186,000 | $ 186,000 | $ 45,000 |
| Greeley, CO | 1 | $ 277,000 | $ 277,000 | $ 84,000 |
| Huntsville, AL | 1 | $ 120,000 | $ 120,000 | $ 78,000 |
| Indianapolis-Carmel, IN | 1 | $ 332,000 | $ 332,000 | $ 161,000 |
| Johnson City, TN | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Madera-Chowchilla, CA | 1 | $ 247,000 | $ 247,000 | $ 62,000 |
| Merced, CA | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 133,000 | $ 133,000 | $ 104,000 |
| Olympia, WA | 1 | $ 163,000 | $ 163,000 | $ 50,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 138,000 | $ 138,000 | $ 66,000 |
| Pueblo, CO | 1 | $ 617,000 | $ 617,000 | $ 314,000 |
| Punta Gorda, FL | 1 | $ 169,000 | $ 169,000 | $ 48,000 |
| Rocky Mount, NC | 1 | $ 62,000 | $ 62,000 | $ 36,000 |
| Santa Fe, NM | 1 | $ 265,000 | $ 265,000 | $ 233,000 |
| Savannah, GA | 1 | $ 149,000 | $ 149,000 | $ 34,000 |
| Springfield, MA | 1 | $ 200,000 | $ 200,000 | $ 121,000 |
| Tyler, TX | 1 | $ 300,000 | $ 300,000 | $ 141,000 |
| Waco, TX | 1 | $ 247,000 | $ 247,000 | $ 166,000 |
| Wichita Falls, TX | 1 | $ 116,000 | $ 116,000 | $ 99,000 |
| Worcester, MA | 1 | $ 152,000 | $ 152,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for On Q Financial, LLC in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,242 | $1,388,665,000 | $327,000 | $2,000,000 | $157,000 | $5,940,000 |
| Home Purchase | 3,870 | $1,096,014,000 | $283,000 | $3,220,000 | $141,000 | $4,579,000 |
| 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 | 6,120 | $1,879,893,000 | $307,000 | $3,220,000 | $151,000 | $5,940,000 |
| Not Provided | 993 | $317,583,000 | $319,000 | $1,980,000 | $163,000 | $4,078,000 |
| Asian | 441 | $157,146,000 | $356,000 | $1,890,000 | $164,000 | $1,181,000 |
| Hispanic | 416 | $96,308,000 | $231,000 | $975,000 | $98,000 | $1,227,000 |
| Black or African American | 114 | $25,794,000 | $226,000 | $960,000 | $91,000 | $456,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $5,773,000 | $288,000 | $544,000 | $108,000 | $239,000 |
| American Indian or Alaskan Native | 8 | $2,182,000 | $272,000 | $695,000 | $106,000 | $202,000 |
| 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) | 6,598 | $2,126,600,000 | $322,000 | $3,220,000 | $165,000 | $5,940,000 |
| FHA-insured (Federal Housing Administration) | 1,125 | $267,136,000 | $237,000 | $743,000 | $86,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 355 | $86,302,000 | $243,000 | $955,000 | $69,000 | $547,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $4,641,000 | $136,000 | $214,000 | $46,000 | $94,000 |
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 | 6,227 | $1,872,169,000 | $300,000 | $2,054,000 | $147,000 | $4,579,000 |
| Application Withdrawn By Applicant | 1,401 | $441,016,000 | $314,000 | $3,220,000 | $160,000 | $5,940,000 |
| Application Denied By Financial Institution | 418 | $148,410,000 | $355,000 | $2,000,000 | $147,000 | $1,399,000 |
| File Closed For Incompleteness | 55 | $19,484,000 | $354,000 | $1,328,000 | $183,000 | $1,378,000 |
| Application Approved But Not Accepted | 11 | $3,600,000 | $327,000 | $1,000,000 | $228,000 | $1,059,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 115 | $43,260,000 | $376,000 | $1,870,000 | $105,000 | $1,188,000 |
| Collateral | 112 | $32,376,000 | $289,000 | $2,000,000 | $168,000 | $1,399,000 |
| Credit History | 46 | $12,004,000 | $260,000 | $702,000 | $110,000 | $400,000 |
| Other | 41 | $15,871,000 | $387,000 | $1,980,000 | $182,000 | $879,000 |
| Unverifiable Information | 31 | $12,598,000 | $406,000 | $1,931,000 | $185,000 | $686,000 |
| Employment History | 16 | $3,508,000 | $219,000 | $605,000 | $110,000 | $399,000 |
| Credit Application Incomplete | 14 | $8,144,000 | $581,000 | $1,890,000 | $230,000 | $684,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $5,723,000 | $635,000 | $1,884,000 | $175,000 | $383,000 |
| Mortgage Insurance Denied | 1 | $189,000 | $189,000 | $189,000 | $100,000 | $100,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into On Q Financial, LLC's 2012 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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