On Q Financial, LLC Mortgage Lending & HMDA Data, 2015
In 2015, On Q Financial, LLC of Scottsdale, AZ reported 10,689 mortgage applications totaling $3.1 billion, up 40% from 2014. The average application was for $287,783, and applicants reported an average income of $115,585. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,155), Seattle-Bellevue-Everett, WA (1,008) and Oxnard-Thousand Oaks-Ventura, CA (732) (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 | 10,689 |
| Total Mortgage Loan Application Amount | $3,076,122,000 |
| Average Mortgage Loan Application Amount | $287,783 |
| Highest Mortgage Loan Application Amount | $3,325,000 |
| Average Applicant Income | $115,585 |
| Highest Applicant Income | $4,627,000 |
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Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,155 | $ 528,586,000 | $ 245,283 | $ 103,000 |
| Seattle-Bellevue-Everett, WA | 1,008 | $ 410,315,000 | $ 407,058 | $ 146,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 732 | $ 314,064,000 | $ 429,049 | $ 146,000 |
| Greenville-Anderson-Mauldin, SC | 441 | $ 70,591,000 | $ 160,070 | $ 77,000 |
| San Antonio-New Braunfels, TX | 429 | $ 84,474,000 | $ 196,909 | $ 93,000 |
| Raleigh, NC | 391 | $ 82,591,000 | $ 211,230 | $ 89,000 |
| Atlanta-Sandy Springs-Roswell, GA | 383 | $ 77,804,000 | $ 203,143 | $ 84,000 |
| Denver-Aurora-Lakewood, CO | 380 | $ 120,937,000 | $ 318,255 | $ 112,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 380 | $ 90,211,000 | $ 237,397 | $ 71,613 |
| Tacoma-Lakewood, WA | 339 | $ 94,776,000 | $ 279,575 | $ 110,000 |
| Anaheim-Santa Ana-Irvine, CA | 324 | $ 191,760,000 | $ 591,851 | $ 261,000 |
| Houston-The Woodlands-Sugar Land, TX | 322 | $ 88,068,000 | $ 273,503 | $ 133,000 |
| Tampa-St. Petersburg-Clearwater, FL | 302 | $ 74,445,000 | $ 246,506 | $ 125,000 |
| Austin-Round Rock, TX | 280 | $ 78,081,000 | $ 278,860 | $ 132,000 |
| Santa Maria-Santa Barbara, CA | 242 | $ 131,461,000 | $ 543,227 | $ 160,000 |
| Los Angeles-Long Beach-Glendale, CA | 212 | $ 103,251,000 | $ 487,033 | $ 163,000 |
| Durham-Chapel Hill, NC | 203 | $ 36,200,000 | $ 178,325 | $ 88,000 |
| Wilmington, NC | 181 | $ 36,762,000 | $ 203,104 | $ 82,000 |
| Charlotte-Concord-Gastonia, NC-SC | 126 | $ 21,683,000 | $ 172,087 | $ 73,055 |
| Jacksonville, NC | 113 | $ 15,424,000 | $ 136,495 | $ 58,000 |
| Santa Cruz-Watsonville, CA | 101 | $ 44,487,000 | $ 440,465 | $ 152,000 |
| Tallahassee, FL | 79 | $ 12,270,000 | $ 155,316 | $ 64,000 |
| North Port-Sarasota-Bradenton, FL | 74 | $ 14,491,000 | $ 195,824 | $ 83,000 |
| Olympia-Tumwater, WA | 74 | $ 18,629,000 | $ 251,743 | $ 102,000 |
| Augusta-Richmond County, GA-SC | 69 | $ 12,101,000 | $ 175,376 | $ 71,652 |
| San Diego-Carlsbad, CA | 61 | $ 27,812,000 | $ 455,934 | $ 217,000 |
| Riverside-San Bernardino-Ontario, CA | 58 | $ 18,293,000 | $ 315,396 | $ 125,000 |
| Lakeland-Winter Haven, FL | 56 | $ 7,292,000 | $ 130,214 | $ 62,000 |
| Homosassa Springs, FL | 53 | $ 5,741,000 | $ 108,320 | $ 55,000 |
| Wenatchee, WA | 51 | $ 13,706,000 | $ 268,745 | $ 109,000 |
| Fayetteville, NC | 49 | $ 7,489,000 | $ 152,836 | $ 59,000 |
| Bakersfield, CA | 39 | $ 7,730,000 | $ 198,205 | $ 78,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 36 | $ 11,840,000 | $ 328,888 | $ 105,000 |
| Spartanburg, SC | 36 | $ 4,906,000 | $ 136,277 | $ 60,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 33 | $ 5,572,000 | $ 168,848 | $ 72,181 |
| Tucson, AZ | 33 | $ 9,316,000 | $ 282,303 | $ 218,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 31 | $ 14,481,000 | $ 467,129 | $ 360,935 |
| Punta Gorda, FL | 28 | $ 3,207,000 | $ 114,535 | $ 78,000 |
| Dallas-Plano-Irving, TX | 22 | $ 5,167,000 | $ 234,863 | $ 120,000 |
| Kingsport-Bristol-Bristol, TN-VA | 18 | $ 2,514,000 | $ 139,666 | $ 68,000 |
| Monroe, LA | 18 | $ 2,211,000 | $ 122,833 | $ 57,000 |
| Prescott, AZ | 18 | $ 3,312,000 | $ 184,000 | $ 93,000 |
| Bremerton-Silverdale, WA | 17 | $ 5,267,000 | $ 309,823 | $ 123,000 |
| Fort Collins, CO | 16 | $ 4,639,000 | $ 289,937 | $ 110,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 7,341,000 | $ 524,357 | $ 208,000 |
| Greeley, CO | 13 | $ 3,952,000 | $ 304,000 | $ 103,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 13 | $ 5,691,000 | $ 437,769 | $ 194,000 |
| Vallejo-Fairfield, CA | 12 | $ 3,769,000 | $ 314,083 | $ 98,000 |
| Boise City, ID | 11 | $ 1,562,000 | $ 142,000 | $ 108,000 |
| Burlington, NC | 11 | $ 1,906,000 | $ 173,272 | $ 48,000 |
| Flagstaff, AZ | 10 | $ 3,093,000 | $ 309,300 | $ 183,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 2,424,000 | $ 242,400 | $ 106,000 |
| Salinas, CA | 10 | $ 3,945,000 | $ 394,500 | $ 135,000 |
| Fort Worth-Arlington, TX | 9 | $ 1,483,000 | $ 164,777 | $ 111,000 |
| Gainesville, GA | 9 | $ 1,599,000 | $ 177,666 | $ 67,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 4,343,000 | $ 482,555 | $ 142,000 |
| Rocky Mount, NC | 8 | $ 1,095,000 | $ 136,875 | $ 61,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 4,028,000 | $ 503,500 | $ 135,000 |
| Spokane-Spokane Valley, WA | 8 | $ 2,038,000 | $ 254,750 | $ 113,000 |
| Visalia-Porterville, CA | 8 | $ 1,858,000 | $ 232,250 | $ 88,000 |
| Fresno, CA | 7 | $ 1,480,000 | $ 211,428 | $ 60,000 |
| Mount Vernon-Anacortes, WA | 7 | $ 1,981,000 | $ 283,000 | $ 89,000 |
| Salem, OR | 7 | $ 1,227,000 | $ 175,285 | $ 52,000 |
| Salt Lake City, UT | 7 | $ 3,773,000 | $ 539,000 | $ 170,000 |
| Asheville, NC | 6 | $ 911,000 | $ 151,833 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,320,000 | $ 220,000 | $ 104,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,875,000 | $ 312,500 | $ 85,000 |
| Greensboro-High Point, NC | 6 | $ 1,021,000 | $ 170,166 | $ 75,000 |
| Longview, WA | 6 | $ 956,000 | $ 159,333 | $ 65,000 |
| Bellingham, WA | 5 | $ 1,515,000 | $ 303,000 | $ 160,000 |
| Winston-Salem, NC | 5 | $ 732,000 | $ 146,400 | $ 66,000 |
| Charleston-North Charleston, SC | 4 | $ 548,000 | $ 137,000 | $ 46,000 |
| Colorado Springs, CO | 4 | $ 1,076,000 | $ 269,000 | $ 81,000 |
| Columbia, SC | 4 | $ 488,000 | $ 122,000 | $ 97,000 |
| Athens-Clarke County, GA | 3 | $ 808,000 | $ 269,333 | $ 84,000 |
| College Station-Bryan, TX | 3 | $ 393,000 | $ 131,000 | $ 174,000 |
| Corpus Christi, TX | 3 | $ 1,387,000 | $ 462,333 | $ 458,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,375,000 | $ 458,333 | $ 218,000 |
| Jacksonville, FL | 3 | $ 569,000 | $ 189,666 | $ 46,000 |
| Johnson City, TN | 3 | $ 597,000 | $ 199,000 | $ 76,000 |
| Albany, OR | 2 | $ 331,000 | $ 165,500 | $ 59,000 |
| Boulder, CO | 2 | $ 710,000 | $ 355,000 | $ 101,000 |
| Charlottesville, VA | 2 | $ 482,000 | $ 241,000 | $ 212,000 |
| Hanford-Corcoran, CA | 2 | $ 288,000 | $ 144,000 | $ 48,000 |
| Killeen-Temple, TX | 2 | $ 305,000 | $ 152,500 | $ 61,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 538,000 | $ 269,000 | $ 184,000 |
| Lubbock, TX | 2 | $ 487,000 | $ 243,500 | $ 232,000 |
| Madera, CA | 2 | $ 538,000 | $ 269,000 | $ 165,000 |
| New Bern, NC | 2 | $ 214,000 | $ 107,000 | $ 43,000 |
| Ocala, FL | 2 | $ 228,000 | $ 114,000 | $ 77,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 431,000 | $ 215,500 | $ 78,000 |
| Provo-Orem, UT | 2 | $ 1,545,000 | $ 772,500 | $ 244,000 |
| Rome, GA | 2 | $ 295,000 | $ 147,500 | $ 40,000 |
| Savannah, GA | 2 | $ 223,000 | $ 111,500 | $ 45,000 |
| The Villages, FL | 2 | $ 281,000 | $ 140,500 | $ 96,000 |
| Tuscaloosa, AL | 2 | $ 207,000 | $ 103,500 | $ 38,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 296,000 | $ 296,000 | $ 65,000 |
| Bend-Redmond, OR | 1 | $ 100,000 | $ 100,000 | $ 64,000 |
| Birmingham-Hoover, AL | 1 | $ 136,000 | $ 136,000 | $ 123,000 |
| Chattanooga, TN-GA | 1 | $ 131,000 | $ 131,000 | $ 202,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 330,000 | $ 330,000 | $ 265,000 |
| Coeur D'Alene, ID | 1 | $ 280,000 | $ 280,000 | $ 108,000 |
| Dalton, GA | 1 | $ 119,000 | $ 119,000 | $ 39,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 279,000 | $ 279,000 | $ 142,000 |
| El Paso, TX | 1 | $ 142,000 | $ 142,000 | $ 33,000 |
| Eugene, OR | 1 | $ 229,000 | $ 229,000 | $ 6,000 |
| Gainesville, FL | 1 | $ 74,000 | $ 74,000 | $ 82,000 |
| Goldsboro, NC | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Greenville, NC | 1 | $ 123,000 | $ 123,000 | $ 59,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 191,000 | $ 191,000 | $ 135,000 |
| Kennewick-Richland, WA | 1 | $ 197,000 | $ 197,000 | $ 300,000 |
| Lewiston, ID-WA | 1 | $ 228,000 | $ 228,000 | $ 70,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 99,000 | $ 99,000 | $ 57,000 |
| Ogden-Clearfield, UT | 1 | $ 24,000 | $ 24,000 | $ 65,000 |
| Panama City, FL | 1 | $ 126,000 | $ 126,000 | $ 25,000 |
| Pocatello, ID | 1 | $ 142,000 | $ 142,000 | $ 42,000 |
| Santa Rosa, CA | 1 | $ 520,000 | $ 520,000 | $ 94,000 |
| Sebring, FL | 1 | $ 84,000 | $ 84,000 | $ 53,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Springfield, MA | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Stockton-Lodi, CA | 1 | $ 220,000 | $ 220,000 | $ 58,000 |
| Tulsa, OK | 1 | $ 226,000 | $ 226,000 | $ 79,000 |
| Waco, TX | 1 | $ 228,000 | $ 228,000 | $ 52,000 |
| Yuba City, CA | 1 | $ 258,000 | $ 258,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for On Q Financial, LLC in 2015
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 | 7,987 | $2,153,938,000 | $269,000 | $2,400,000 | $108,000 | $1,676,000 |
| Refinancing | 2,701 | $921,629,000 | $341,000 | $3,325,000 | $138,000 | $4,627,000 |
| Home Improvement | 1 | $555,000 | $555,000 | $555,000 | $161,000 | $161,000 |
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 | 7,464 | $2,147,952,000 | $287,000 | $3,325,000 | $118,000 | $4,627,000 |
| Not Provided | 1,070 | $334,983,000 | $313,000 | $2,396,000 | $129,000 | $3,834,000 |
| Hispanic | 1,014 | $241,091,000 | $237,000 | $2,000,000 | $82,000 | $776,000 |
| Asian | 610 | $236,084,000 | $387,000 | $1,744,000 | $150,000 | $1,676,000 |
| Black or African American | 462 | $96,240,000 | $208,000 | $1,840,000 | $77,000 | $1,147,000 |
| American Indian or Alaskan Native | 35 | $9,464,000 | $270,000 | $626,000 | $89,000 | $228,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $10,308,000 | $303,000 | $743,000 | $95,000 | $289,000 |
| 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) | 7,203 | $2,305,293,000 | $320,000 | $3,325,000 | $137,000 | $4,627,000 |
| FHA-insured (Federal Housing Administration) | 2,459 | $510,922,000 | $207,000 | $735,000 | $68,000 | $538,000 |
| VA-guaranteed (Veterans Administration) | 848 | $231,013,000 | $272,000 | $819,000 | $84,000 | $489,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 179 | $28,894,000 | $161,000 | $422,000 | $50,000 | $130,000 |
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 | 7,935 | $2,255,623,000 | $284,000 | $2,304,000 | $115,000 | $4,627,000 |
| Application Denied By Financial Institution | 1,220 | $374,291,000 | $306,000 | $2,400,000 | $118,000 | $3,834,000 |
| Application Withdrawn By Applicant | 1,201 | $341,075,000 | $283,000 | $3,325,000 | $117,000 | $1,306,000 |
| Application Approved But Not Accepted | 258 | $78,066,000 | $302,000 | $1,560,000 | $123,000 | $1,849,000 |
| File Closed For Incompleteness | 75 | $27,067,000 | $360,000 | $1,500,000 | $143,000 | $1,231,000 |
| 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 | 564 | $183,836,000 | $325,000 | $2,100,000 | $124,000 | $3,834,000 |
| Collateral | 245 | $64,320,000 | $262,000 | $1,900,000 | $128,000 | $3,172,000 |
| Debt-To-Income Ratio | 172 | $53,867,000 | $313,000 | $2,400,000 | $92,000 | $1,145,000 |
| Credit History | 106 | $26,471,000 | $249,000 | $849,000 | $111,000 | $681,000 |
| Other | 53 | $17,381,000 | $327,000 | $1,330,000 | $131,000 | $621,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $9,360,000 | $406,000 | $1,433,000 | $138,000 | $684,000 |
| Unverifiable Information | 22 | $7,804,000 | $354,000 | $2,396,000 | $103,000 | $702,000 |
| Employment History | 13 | $4,144,000 | $318,000 | $1,012,000 | $71,000 | $204,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into On Q Financial, LLC's 2015 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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