On Q Financial, LLC Mortgage Lending & HMDA Data, 2014
In 2014, On Q Financial, LLC of Scottsdale, AZ reported 7,622 mortgage applications totaling $2.2 billion, down 15% from 2013. The average application was for $292,429, and applicants reported an average income of $120,485. 74% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,017), Oxnard-Thousand Oaks-Ventura, CA (644) and Seattle-Bellevue-Everett, WA (495) (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 | 7,622 |
| Total Mortgage Loan Application Amount | $2,228,900,000 |
| Average Mortgage Loan Application Amount | $292,429 |
| Highest Mortgage Loan Application Amount | $4,200,000 |
| Average Applicant Income | $120,485 |
| Highest Applicant Income | $3,022,000 |
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Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Scottsdale, AZ | 2,017 | $ 484,336,000 | $ 240,126 | $ 104,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 644 | $ 264,257,000 | $ 410,336 | $ 146,000 |
| Seattle-Bellevue-Everett, WA | 495 | $ 200,499,000 | $ 405,048 | $ 153,000 |
| Atlanta-Sandy Springs-Roswell, GA | 397 | $ 72,129,000 | $ 181,685 | $ 77,000 |
| Denver-Aurora-Lakewood, CO | 356 | $ 112,286,000 | $ 315,410 | $ 127,000 |
| Anaheim-Santa Ana-Irvine, CA | 355 | $ 195,411,000 | $ 550,453 | $ 200,000 |
| Houston-The Woodlands-Sugar Land, TX | 352 | $ 91,605,000 | $ 260,241 | $ 131,000 |
| Raleigh, NC | 323 | $ 69,864,000 | $ 216,297 | $ 93,000 |
| Los Angeles-Long Beach-Glendale, CA | 249 | $ 125,055,000 | $ 502,228 | $ 184,000 |
| Durham-Chapel Hill, NC | 223 | $ 41,540,000 | $ 186,278 | $ 85,000 |
| Greenville-Anderson-Mauldin, SC | 192 | $ 26,342,000 | $ 137,197 | $ 65,000 |
| Santa Maria-Santa Barbara, CA | 181 | $ 87,769,000 | $ 484,911 | $ 154,000 |
| Austin-Round Rock, TX | 176 | $ 50,462,000 | $ 286,715 | $ 136,000 |
| Wilmington, NC | 168 | $ 33,182,000 | $ 197,511 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 115 | $ 22,044,000 | $ 191,686 | $ 108,000 |
| Charlotte-Concord-Gastonia, NC-SC | 99 | $ 16,121,000 | $ 162,838 | $ 78,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 92 | $ 22,599,000 | $ 245,641 | $ 74,739 |
| Santa Cruz-Watsonville, CA | 76 | $ 39,140,000 | $ 515,000 | $ 173,000 |
| Jacksonville, NC | 75 | $ 11,050,000 | $ 147,333 | $ 55,000 |
| North Port-Sarasota-Bradenton, FL | 74 | $ 18,148,000 | $ 245,243 | $ 91,000 |
| Tacoma-Lakewood, WA | 66 | $ 17,525,000 | $ 265,530 | $ 91,000 |
| Tallahassee, FL | 51 | $ 7,021,000 | $ 137,666 | $ 78,000 |
| Riverside-San Bernardino-Ontario, CA | 48 | $ 12,100,000 | $ 252,083 | $ 137,000 |
| Lakeland-Winter Haven, FL | 45 | $ 5,764,000 | $ 128,088 | $ 73,000 |
| Bakersfield, CA | 44 | $ 8,260,000 | $ 187,727 | $ 80,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 44 | $ 7,189,000 | $ 163,386 | $ 72,522 |
| San Diego-Carlsbad, CA | 31 | $ 12,758,000 | $ 411,548 | $ 170,000 |
| Tucson, AZ | 25 | $ 5,843,000 | $ 233,720 | $ 111,000 |
| Homosassa Springs, FL | 21 | $ 3,303,000 | $ 157,285 | $ 90,000 |
| Wenatchee, WA | 20 | $ 4,885,000 | $ 244,250 | $ 137,000 |
| Gainesville, GA | 19 | $ 5,025,000 | $ 264,473 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 19 | $ 10,896,000 | $ 573,473 | $ 368,421 |
| Prescott, AZ | 17 | $ 4,341,000 | $ 255,352 | $ 112,000 |
| Salt Lake City, UT | 16 | $ 6,486,000 | $ 405,375 | $ 179,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 15 | $ 5,359,000 | $ 357,266 | $ 163,000 |
| Spartanburg, SC | 15 | $ 2,463,000 | $ 164,200 | $ 58,000 |
| Dallas-Plano-Irving, TX | 13 | $ 3,507,000 | $ 269,769 | $ 122,000 |
| Fayetteville, NC | 13 | $ 1,770,000 | $ 136,153 | $ 68,000 |
| Flagstaff, AZ | 12 | $ 3,443,000 | $ 286,916 | $ 156,000 |
| Olympia-Tumwater, WA | 12 | $ 3,261,000 | $ 271,750 | $ 99,000 |
| Punta Gorda, FL | 12 | $ 2,429,000 | $ 202,416 | $ 115,000 |
| Fort Collins, CO | 9 | $ 2,572,000 | $ 285,777 | $ 115,000 |
| Fort Worth-Arlington, TX | 9 | $ 2,116,000 | $ 235,111 | $ 131,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 4,214,000 | $ 468,222 | $ 131,000 |
| Salinas, CA | 9 | $ 3,456,000 | $ 384,000 | $ 127,000 |
| San Antonio-New Braunfels, TX | 9 | $ 1,983,000 | $ 220,333 | $ 105,000 |
| Mount Vernon-Anacortes, WA | 8 | $ 2,761,000 | $ 345,125 | $ 148,000 |
| Boise City, ID | 7 | $ 1,426,000 | $ 203,714 | $ 128,000 |
| Bremerton-Silverdale, WA | 7 | $ 2,578,000 | $ 368,285 | $ 172,000 |
| Boulder, CO | 6 | $ 2,018,000 | $ 336,333 | $ 127,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 906,000 | $ 151,000 | $ 120,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,530,000 | $ 588,333 | $ 225,000 |
| Burlington, NC | 5 | $ 1,032,000 | $ 206,400 | $ 65,000 |
| Provo-Orem, UT | 5 | $ 10,269,000 | $ 2,053,800 | $ 1,079,000 |
| Rocky Mount, NC | 5 | $ 537,000 | $ 107,400 | $ 51,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,394,000 | $ 278,800 | $ 132,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 3,759,000 | $ 751,800 | $ 226,000 |
| Stockton-Lodi, CA | 5 | $ 1,113,000 | $ 222,600 | $ 71,000 |
| Beaumont-Port Arthur, TX | 4 | $ 413,000 | $ 103,250 | $ 77,000 |
| Bellingham, WA | 3 | $ 789,000 | $ 263,000 | $ 157,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 713,000 | $ 237,666 | $ 126,000 |
| Colorado Springs, CO | 3 | $ 748,000 | $ 249,333 | $ 122,000 |
| Columbia, SC | 3 | $ 439,000 | $ 146,333 | $ 73,000 |
| Greeley, CO | 3 | $ 829,000 | $ 276,333 | $ 73,000 |
| Greensboro-High Point, NC | 3 | $ 492,000 | $ 164,000 | $ 69,000 |
| Jacksonville, FL | 3 | $ 545,000 | $ 181,666 | $ 91,000 |
| Savannah, GA | 3 | $ 512,000 | $ 170,666 | $ 121,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 508,000 | $ 169,333 | $ 55,000 |
| Spokane-Spokane Valley, WA | 3 | $ 416,000 | $ 138,666 | $ 391,000 |
| Tuscaloosa, AL | 3 | $ 839,000 | $ 279,666 | $ 68,000 |
| Asheville, NC | 2 | $ 275,000 | $ 137,500 | $ 104,000 |
| Athens-Clarke County, GA | 2 | $ 474,000 | $ 237,000 | $ 97,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 315,000 | $ 157,500 | $ 98,000 |
| College Station-Bryan, TX | 2 | $ 246,000 | $ 123,000 | $ 491,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 598,000 | $ 299,000 | $ 176,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 390,000 | $ 195,000 | $ 116,000 |
| Fresno, CA | 2 | $ 458,000 | $ 229,000 | $ 80,000 |
| Gainesville, FL | 2 | $ 460,000 | $ 230,000 | $ 134,000 |
| Killeen-Temple, TX | 2 | $ 361,000 | $ 180,500 | $ 52,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 368,000 | $ 184,000 | $ 80,000 |
| Merced, CA | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 599,000 | $ 299,500 | $ 103,000 |
| Ogden-Clearfield, UT | 2 | $ 1,253,000 | $ 626,500 | $ 197,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 470,000 | $ 235,000 | $ 75,000 |
| Amarillo, TX | 1 | $ 154,000 | $ 154,000 | $ 36,000 |
| Bend-Redmond, OR | 1 | $ 407,000 | $ 407,000 | $ 84,000 |
| Boston, MA | 1 | $ 39,000 | $ 39,000 | $ 22,000 |
| Brownsville-Harlingen, TX | 1 | $ 240,000 | $ 240,000 | $ 142,000 |
| El Paso, TX | 1 | $ 74,000 | $ 74,000 | $ 124,000 |
| Eugene, OR | 1 | $ 397,000 | $ 397,000 | $ 201,000 |
| Greenville, NC | 1 | $ 133,000 | $ 133,000 | $ 40,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 144,000 | $ 144,000 | $ 41,000 |
| Johnson City, TN | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Macon, GA | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Madera, CA | 1 | $ 240,000 | $ 240,000 | $ 151,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 183,000 | $ 183,000 | $ 51,000 |
| Midland, TX | 1 | $ 209,000 | $ 209,000 | $ 60,000 |
| Mobile, AL | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| New Bern, NC | 1 | $ 200,000 | $ 200,000 | $ 86,000 |
| Ocala, FL | 1 | $ 49,000 | $ 49,000 | $ 18,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 92,000 | $ 92,000 | $ 100,000 |
| Port St. Lucie, FL | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Rome, GA | 1 | $ 80,000 | $ 80,000 | $ 24,000 |
| Salem, OR | 1 | $ 228,000 | $ 228,000 | $ 66,000 |
| San Angelo, TX | 1 | $ 79,000 | $ 79,000 | $ 126,000 |
| San Rafael, CA | 1 | $ 571,000 | $ 571,000 | $ 108,000 |
| Santa Fe, NM | 1 | $ 245,000 | $ 245,000 | $ 6,000 |
| Santa Rosa, CA | 1 | $ 386,000 | $ 386,000 | $ 126,000 |
| St. Louis, MO-IL | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| The Villages, FL | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Vallejo-Fairfield, CA | 1 | $ 488,000 | $ 488,000 | $ 276,000 |
| Victoria, TX | 1 | $ 182,000 | $ 182,000 | $ 41,000 |
| Yuma, AZ | 1 | $ 123,000 | $ 123,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for On Q Financial, LLC in 2014
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 | 6,014 | $1,670,752,000 | $277,000 | $3,600,000 | $115,000 | $3,022,000 |
| Refinancing | 1,608 | $558,148,000 | $347,000 | $4,200,000 | $141,000 | $2,265,000 |
| 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 | 5,453 | $1,615,253,000 | $296,000 | $3,600,000 | $124,000 | $3,022,000 |
| Not Provided | 596 | $187,570,000 | $314,000 | $2,750,000 | $138,000 | $1,993,000 |
| Hispanic | 550 | $118,898,000 | $216,000 | $1,060,000 | $78,000 | $499,000 |
| Asian | 526 | $210,059,000 | $399,000 | $4,200,000 | $154,000 | $1,716,000 |
| Black or African American | 445 | $82,484,000 | $185,000 | $1,094,000 | $68,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $7,841,000 | $290,000 | $765,000 | $119,000 | $300,000 |
| American Indian or Alaskan Native | 25 | $6,795,000 | $271,000 | $903,000 | $113,000 | $324,000 |
| 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) | 5,586 | $1,793,454,000 | $321,000 | $4,200,000 | $139,000 | $3,022,000 |
| FHA-insured (Federal Housing Administration) | 1,346 | $265,567,000 | $197,000 | $815,000 | $68,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 550 | $148,811,000 | $270,000 | $1,033,000 | $83,000 | $302,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 140 | $21,068,000 | $150,000 | $299,000 | $47,000 | $90,000 |
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 | 5,629 | $1,628,138,000 | $289,000 | $2,980,000 | $120,000 | $3,022,000 |
| Application Denied By Financial Institution | 962 | $304,818,000 | $316,000 | $4,200,000 | $126,000 | $2,305,000 |
| Application Withdrawn By Applicant | 833 | $239,053,000 | $286,000 | $2,390,000 | $119,000 | $1,404,000 |
| Application Approved But Not Accepted | 111 | $32,411,000 | $291,000 | $1,480,000 | $117,000 | $1,077,000 |
| File Closed For Incompleteness | 87 | $24,480,000 | $281,000 | $1,850,000 | $113,000 | $640,000 |
| 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 | 405 | $137,353,000 | $339,000 | $4,200,000 | $149,000 | $2,305,000 |
| Debt-To-Income Ratio | 184 | $58,791,000 | $319,000 | $1,245,000 | $87,000 | $454,000 |
| Collateral | 170 | $44,592,000 | $262,000 | $3,600,000 | $124,000 | $1,562,000 |
| Credit History | 99 | $31,422,000 | $317,000 | $2,935,000 | $121,000 | $1,026,000 |
| Other | 42 | $13,477,000 | $320,000 | $1,500,000 | $131,000 | $913,000 |
| Unverifiable Information | 24 | $7,666,000 | $319,000 | $1,434,000 | $117,000 | $479,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $6,897,000 | $313,000 | $1,300,000 | $104,000 | $518,000 |
| Employment History | 8 | $2,954,000 | $369,000 | $900,000 | $86,000 | $218,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into On Q Financial, LLC's 2014 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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