On Q Financial, LLC Mortgage Lending & HMDA Data, 2013
In 2013, On Q Financial, LLC of Scottsdale, AZ reported 8,964 mortgage applications totaling $2.6 billion, up 11% from 2012. The average application was for $290,896, and applicants reported an average income of $134,479. 72% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (3,044), Oxnard-Thousand Oaks-Ventura, CA (1,004) and Santa Ana-Anaheim-Irvine, CA (646) (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 | 8,964 |
| Total Mortgage Loan Application Amount | $2,607,599,000 |
| Average Mortgage Loan Application Amount | $290,896 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $134,479 |
| Highest Applicant Income | $9,600,000 |
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Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,044 | $ 690,340,000 | $ 226,787 | $ 110,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,004 | $ 388,433,000 | $ 386,885 | $ 155,000 |
| Santa Ana-Anaheim-Irvine, CA | 646 | $ 342,967,000 | $ 530,908 | $ 216,000 |
| Denver-Aurora-Broomfield, CO | 554 | $ 168,681,000 | $ 304,478 | $ 142,000 |
| Los Angeles-Long Beach-Glendale, CA | 449 | $ 195,808,000 | $ 436,097 | $ 180,000 |
| Houston-Sugar Land-Baytown, TX | 341 | $ 79,444,000 | $ 232,973 | $ 123,000 |
| Raleigh-Cary, NC | 305 | $ 64,521,000 | $ 211,544 | $ 90,000 |
| Austin-Round Rock-San Marcos, TX | 216 | $ 53,462,000 | $ 247,509 | $ 135,000 |
| Wilmington, NC | 215 | $ 37,633,000 | $ 175,037 | $ 75,000 |
| Atlanta-Sandy Springs-Marietta, GA | 207 | $ 41,076,000 | $ 198,434 | $ 85,000 |
| Durham-Chapel Hill, NC | 181 | $ 34,548,000 | $ 190,872 | $ 84,000 |
| Jacksonville, NC | 135 | $ 22,209,000 | $ 164,511 | $ 58,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 121 | $ 30,376,000 | $ 251,041 | $ 172,710 |
| Santa Cruz-Watsonville, CA | 117 | $ 44,805,000 | $ 382,948 | $ 151,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 110 | $ 53,934,000 | $ 490,309 | $ 161,000 |
| Riverside-San Bernardino-Ontario, CA | 97 | $ 26,255,000 | $ 270,670 | $ 177,000 |
| Seattle-Bellevue-Everett, WA | 76 | $ 43,032,000 | $ 566,210 | $ 259,000 |
| San Diego-Carlsbad-San Marcos, CA | 63 | $ 25,568,000 | $ 405,841 | $ 156,000 |
| Tucson, AZ | 58 | $ 11,211,000 | $ 193,293 | $ 99,000 |
| Dallas-Plano-Irving, TX | 55 | $ 10,893,000 | $ 198,054 | $ 300,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 37 | $ 9,331,000 | $ 252,189 | $ 112,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 35 | $ 18,346,000 | $ 524,171 | $ 328,485 |
| Fort Worth-Arlington, TX | 33 | $ 6,313,000 | $ 191,303 | $ 108,000 |
| Gainesville, GA | 33 | $ 5,947,000 | $ 180,212 | $ 81,000 |
| Bakersfield-Delano, CA | 32 | $ 5,810,000 | $ 181,562 | $ 101,000 |
| Chicago-Joliet-Naperville, IL | 29 | $ 6,567,000 | $ 226,448 | $ 137,000 |
| Tampa-St. Petersburg-Clearwater, FL | 27 | $ 6,104,000 | $ 226,074 | $ 189,000 |
| Oakland-Fremont-Hayward, CA | 21 | $ 9,425,000 | $ 448,809 | $ 157,000 |
| Prescott, AZ | 21 | $ 4,334,000 | $ 206,380 | $ 160,000 |
| Tacoma, WA | 21 | $ 4,400,000 | $ 209,523 | $ 114,000 |
| Flagstaff, AZ | 17 | $ 4,408,000 | $ 259,294 | $ 158,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 15 | $ 7,086,000 | $ 472,400 | $ 204,000 |
| Boulder, CO | 14 | $ 4,402,000 | $ 314,428 | $ 102,000 |
| Lake Havasu City-Kingman, AZ | 14 | $ 2,486,000 | $ 177,571 | $ 128,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 3,629,000 | $ 259,214 | $ 111,000 |
| San Francisco-San Mateo-Redwood City, CA | 13 | $ 7,772,000 | $ 597,846 | $ 190,000 |
| San Luis Obispo-Paso Robles, CA | 13 | $ 4,242,000 | $ 326,307 | $ 166,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 4,416,000 | $ 339,692 | $ 137,076 |
| San Antonio-New Braunfels, TX | 12 | $ 2,537,000 | $ 211,416 | $ 173,000 |
| Albuquerque, NM | 11 | $ 2,597,000 | $ 236,090 | $ 120,000 |
| College Station-Bryan, TX | 10 | $ 1,365,000 | $ 136,500 | $ 162,000 |
| Greenville-Mauldin-Easley, SC | 10 | $ 1,352,000 | $ 135,200 | $ 82,000 |
| Lakeland-Winter Haven, FL | 10 | $ 1,806,000 | $ 180,600 | $ 113,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 1,924,000 | $ 192,400 | $ 178,700 |
| Rocky Mount, NC | 9 | $ 761,000 | $ 84,555 | $ 41,000 |
| Salinas, CA | 9 | $ 2,560,000 | $ 284,444 | $ 97,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 2,074,000 | $ 230,444 | $ 117,000 |
| Bethesda-Rockville-Frederick, MD | 8 | $ 2,657,000 | $ 332,125 | $ 133,000 |
| North Port-Bradenton-Sarasota, FL | 8 | $ 1,170,000 | $ 146,250 | $ 81,000 |
| Baltimore-Towson, MD | 7 | $ 1,294,000 | $ 184,857 | $ 53,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,635,000 | $ 233,571 | $ 118,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,214,000 | $ 202,333 | $ 103,000 |
| Salem, OR | 5 | $ 921,000 | $ 184,200 | $ 67,000 |
| Visalia-Porterville, CA | 5 | $ 897,000 | $ 179,400 | $ 99,000 |
| Boston-Quincy, MA | 4 | $ 1,194,000 | $ 298,500 | $ 113,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 947,000 | $ 236,750 | $ 91,000 |
| Fayetteville, NC | 4 | $ 654,000 | $ 163,500 | $ 79,000 |
| Greensboro-High Point, NC | 4 | $ 755,000 | $ 188,750 | $ 131,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,021,000 | $ 255,250 | $ 129,000 |
| Santa Fe, NM | 4 | $ 788,000 | $ 197,000 | $ 99,000 |
| Bremerton-Silverdale, WA | 3 | $ 457,000 | $ 152,333 | $ 43,000 |
| Burlington, NC | 3 | $ 499,000 | $ 166,333 | $ 68,000 |
| Charleston-North Charleston-Summerville, SC | 3 | $ 911,000 | $ 303,666 | $ 271,000 |
| Fresno, CA | 3 | $ 720,000 | $ 240,000 | $ 90,000 |
| Gainesville, FL | 3 | $ 668,000 | $ 222,666 | $ 137,000 |
| Jacksonville, FL | 3 | $ 602,000 | $ 200,666 | $ 83,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 545,000 | $ 181,666 | $ 106,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 718,000 | $ 239,333 | $ 108,000 |
| Las Cruces, NM | 3 | $ 312,000 | $ 104,000 | $ 62,000 |
| Napa, CA | 3 | $ 1,060,000 | $ 353,333 | $ 226,000 |
| Naples-Marco Island, FL | 3 | $ 661,000 | $ 220,333 | $ 73,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 780,000 | $ 260,000 | $ 441,000 |
| Stockton, CA | 3 | $ 799,000 | $ 266,333 | $ 106,000 |
| Tallahassee, FL | 3 | $ 545,000 | $ 181,666 | $ 99,000 |
| Vallejo-Fairfield, CA | 3 | $ 939,000 | $ 313,000 | $ 142,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 897,000 | $ 299,000 | $ 197,000 |
| Yuma, AZ | 3 | $ 447,000 | $ 149,000 | $ 68,000 |
| Asheville, NC | 2 | $ 397,000 | $ 198,500 | $ 120,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 159,000 | $ 79,500 | $ 32,000 |
| Bellingham, WA | 2 | $ 340,000 | $ 170,000 | $ 31,000 |
| Bend, OR | 2 | $ 495,000 | $ 247,500 | $ 72,000 |
| Boise City-Nampa, ID | 2 | $ 413,000 | $ 206,500 | $ 155,000 |
| Brownsville-Harlingen, TX | 2 | $ 348,000 | $ 174,000 | $ 161,000 |
| Corpus Christi, TX | 2 | $ 671,000 | $ 335,500 | $ 119,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 391,000 | $ 195,500 | $ 52,000 |
| El Paso, TX | 2 | $ 179,000 | $ 89,500 | $ 71,000 |
| Farmington, NM | 2 | $ 618,000 | $ 309,000 | $ 103,000 |
| Fort Collins-Loveland, CO | 2 | $ 634,000 | $ 317,000 | $ 144,000 |
| Greeley, CO | 2 | $ 657,000 | $ 328,500 | $ 89,000 |
| Greenville, NC | 2 | $ 538,000 | $ 269,000 | $ 91,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 648,000 | $ 324,000 | $ 151,000 |
| Memphis, TN-MS-AR | 2 | $ 274,000 | $ 137,000 | $ 123,000 |
| Merced, CA | 2 | $ 371,000 | $ 185,500 | $ 100,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 567,000 | $ 283,500 | $ 49,000 |
| Peoria, IL | 2 | $ 316,000 | $ 158,000 | $ 123,000 |
| Port St. Lucie, FL | 2 | $ 226,000 | $ 113,000 | $ 96,000 |
| Punta Gorda, FL | 2 | $ 544,000 | $ 272,000 | $ 102,000 |
| Salt Lake City, UT | 2 | $ 197,000 | $ 98,500 | $ 132,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 852,000 | $ 426,000 | $ 482,000 |
| Tulsa, OK | 2 | $ 115,000 | $ 57,500 | $ 25,000 |
| Victoria, TX | 2 | $ 422,000 | $ 211,000 | $ 87,000 |
| Worcester, MA | 2 | $ 500,000 | $ 250,000 | $ 129,000 |
| Beaumont-Port Arthur, TX | 1 | $ 69,000 | $ 69,000 | $ 70,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 167,000 | $ 167,000 | $ 26,000 |
| Colorado Springs, CO | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Columbia, SC | 1 | $ 268,000 | $ 268,000 | $ 78,000 |
| Danville, IL | 1 | $ 64,000 | $ 64,000 | $ 71,000 |
| El Centro, CA | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Eugene-Springfield, OR | 1 | $ 282,000 | $ 282,000 | $ 139,000 |
| Idaho Falls, ID | 1 | $ 194,000 | $ 194,000 | $ 62,000 |
| Johnson City, TN | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Kennewick-Pasco-Richland, WA | 1 | $ 198,000 | $ 198,000 | $ 95,000 |
| Laredo, TX | 1 | $ 122,000 | $ 122,000 | $ 111,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 127,000 | $ 127,000 | $ 35,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 313,000 | $ 313,000 | $ 89,000 |
| Odessa, TX | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Oklahoma City, OK | 1 | $ 147,000 | $ 147,000 | $ 27,000 |
| Olympia, WA | 1 | $ 166,000 | $ 166,000 | $ 42,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 147,000 | $ 147,000 | $ 40,000 |
| Provo-Orem, UT | 1 | $ 129,000 | $ 129,000 | $ 107,000 |
| Richmond, VA | 1 | $ 124,000 | $ 124,000 | $ 52,000 |
| Rockford, IL | 1 | $ 227,000 | $ 227,000 | $ 58,000 |
| Salisbury, MD | 1 | $ 260,000 | $ 260,000 | $ 113,000 |
| Savannah, GA | 1 | $ 140,000 | $ 140,000 | $ 73,000 |
| Spokane, WA | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Waco, TX | 1 | $ 255,000 | $ 255,000 | $ 155,000 |
| Winston-Salem, NC | 1 | $ 309,000 | $ 309,000 | $ 145,000 |
| Yuba City, CA | 1 | $ 184,000 | $ 184,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for On Q Financial, LLC in 2013
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 | 5,565 | $1,574,484,000 | $282,000 | $2,000,000 | $125,000 | $4,068,000 |
| Refinancing | 3,399 | $1,033,115,000 | $303,000 | $2,500,000 | $150,000 | $9,600,000 |
| 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 | 6,213 | $1,793,361,000 | $288,000 | $2,400,000 | $135,000 | $6,110,000 |
| Not Provided | 1,252 | $401,060,000 | $320,000 | $2,330,000 | $154,000 | $3,029,000 |
| Hispanic | 654 | $153,175,000 | $234,000 | $2,500,000 | $86,000 | $808,000 |
| Asian | 528 | $199,232,000 | $377,000 | $1,500,000 | $156,000 | $1,273,000 |
| Black or African American | 275 | $50,792,000 | $184,000 | $856,000 | $75,000 | $363,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $6,271,000 | $285,000 | $800,000 | $551,000 | $9,600,000 |
| American Indian or Alaskan Native | 20 | $3,708,000 | $185,000 | $417,000 | $99,000 | $457,000 |
| 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) | 6,979 | $2,160,196,000 | $309,000 | $2,500,000 | $151,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 1,400 | $311,466,000 | $222,000 | $1,154,000 | $79,000 | $1,890,000 |
| VA-guaranteed (Veterans Administration) | 487 | $120,956,000 | $248,000 | $1,000,000 | $81,000 | $2,100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $14,981,000 | $152,000 | $337,000 | $48,000 | $99,000 |
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 | 6,433 | $1,867,221,000 | $290,000 | $2,330,000 | $131,000 | $4,045,000 |
| Application Withdrawn By Applicant | 1,295 | $348,783,000 | $269,000 | $1,983,000 | $145,000 | $9,600,000 |
| Application Denied By Financial Institution | 980 | $311,861,000 | $318,000 | $2,400,000 | $140,000 | $3,029,000 |
| Application Approved But Not Accepted | 159 | $49,193,000 | $309,000 | $2,500,000 | $152,000 | $1,851,000 |
| File Closed For Incompleteness | 97 | $30,541,000 | $314,000 | $1,500,000 | $151,000 | $2,503,000 |
| 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 Application Incomplete | 253 | $82,557,000 | $326,000 | $2,400,000 | $135,000 | $2,834,000 |
| Collateral | 215 | $67,792,000 | $315,000 | $2,000,000 | $161,000 | $3,029,000 |
| Debt-To-Income Ratio | 184 | $57,327,000 | $311,000 | $1,910,000 | $103,000 | $1,273,000 |
| Credit History | 108 | $29,691,000 | $274,000 | $1,408,000 | $135,000 | $2,100,000 |
| Unverifiable Information | 73 | $23,398,000 | $320,000 | $1,170,000 | $142,000 | $689,000 |
| Other | 53 | $17,466,000 | $329,000 | $1,898,000 | $170,000 | $942,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $12,185,000 | $468,000 | $1,870,000 | $181,000 | $652,000 |
| Employment History | 25 | $7,243,000 | $289,000 | $1,320,000 | $169,000 | $1,436,000 |
| Mortgage Insurance Denied | 1 | $364,000 | $364,000 | $364,000 | $176,000 | $176,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into On Q Financial, LLC's 2013 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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