On Q Financial, LLC Mortgage Lending & HMDA Data, 2023
In 2023, On Q Financial, LLC of Scottsdale, AZ reported 3,049 mortgage applications totaling $1.1 billion, down 59% from 2022. The average application was for $347,748, and applicants reported an average income of $138,218. 61% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (503), Greenville-Anderson-Mauldin, SC (326) and Seattle-Bellevue-Everett, WA (158) (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 | 3,049 |
| Total Mortgage Loan Application Amount | $1,060,285,000 |
| Average Mortgage Loan Application Amount | $347,748 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $138,218 |
| Highest Applicant Income | $4,239,000 |
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Act (HMDA) records On Q Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 503 | $ 212,115,000 | $ 421,699 | $ 142,000 |
| Outside any metro area | 473 | $ 109,735,000 | $ 231,997 | $ 112,893 |
| Greenville-Anderson-Mauldin, SC | 326 | $ 82,270,000 | $ 252,361 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 158 | $ 112,350,000 | $ 711,075 | $ 254,000 |
| Redding, CA | 145 | $ 45,465,000 | $ 313,551 | $ 129,000 |
| Charlotte-Concord-Gastonia, NC-SC | 127 | $ 34,315,000 | $ 270,196 | $ 100,503 |
| Denver-Aurora-Lakewood, CO | 72 | $ 41,640,000 | $ 578,333 | $ 214,000 |
| St. Louis, MO-IL | 71 | $ 18,515,000 | $ 260,774 | $ 103,985 |
| Prescott Valley-Prescott, AZ | 67 | $ 20,385,000 | $ 304,253 | $ 105,000 |
| Spartanburg, SC | 50 | $ 11,630,000 | $ 232,600 | $ 105,000 |
| Tampa-St. Petersburg-Clearwater, FL | 43 | $ 13,815,000 | $ 321,279 | $ 141,000 |
| Austin-Round Rock, TX | 35 | $ 16,325,000 | $ 466,428 | $ 200,000 |
| Tacoma-Lakewood, WA | 35 | $ 15,605,000 | $ 445,857 | $ 147,000 |
| Ogden-Clearfield, UT | 34 | $ 13,900,000 | $ 408,823 | $ 134,000 |
| Casper, WY | 31 | $ 10,465,000 | $ 337,580 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 30 | $ 12,900,000 | $ 430,000 | $ 193,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 29 | $ 10,625,000 | $ 366,379 | $ 153,310 |
| Salt Lake City, UT | 29 | $ 10,705,000 | $ 369,137 | $ 153,000 |
| Las Vegas-Henderson-Paradise, NV | 26 | $ 8,560,000 | $ 329,230 | $ 392,000 |
| Oakland-Hayward-Berkeley, CA | 26 | $ 12,190,000 | $ 468,846 | $ 171,000 |
| Fort Smith, AR-OK | 23 | $ 4,635,000 | $ 201,521 | $ 87,260 |
| Los Angeles-Long Beach-Glendale, CA | 21 | $ 13,095,000 | $ 623,571 | $ 206,000 |
| Louisville/Jefferson County, KY-IN | 19 | $ 3,835,000 | $ 201,842 | $ 82,315 |
| Reno, NV | 19 | $ 6,215,000 | $ 327,105 | $ 116,000 |
| San Diego-Carlsbad, CA | 17 | $ 9,735,000 | $ 572,647 | $ 174,000 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 4,565,000 | $ 304,333 | $ 131,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 5,925,000 | $ 395,000 | $ 119,000 |
| Cincinnati, OH-KY-IN | 14 | $ 2,120,000 | $ 151,428 | $ 79,000 |
| Lake Havasu City-Kingman, AZ | 14 | $ 3,770,000 | $ 269,285 | $ 159,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 4,590,000 | $ 327,857 | $ 124,000 |
| Springfield, MO | 14 | $ 3,640,000 | $ 260,000 | $ 97,000 |
| Dallas-Plano-Irving, TX | 13 | $ 4,765,000 | $ 366,538 | $ 160,000 |
| Kansas City, MO-KS | 13 | $ 3,345,000 | $ 257,307 | $ 84,538 |
| St. George, UT | 13 | $ 4,285,000 | $ 329,615 | $ 157,000 |
| Tucson, AZ | 13 | $ 3,405,000 | $ 261,923 | $ 151,000 |
| Flagstaff, AZ | 12 | $ 3,930,000 | $ 327,500 | $ 144,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 3,775,000 | $ 343,181 | $ 142,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 2,545,000 | $ 231,363 | $ 95,000 |
| Elkhart-Goshen, IN | 10 | $ 1,530,000 | $ 153,000 | $ 55,000 |
| Anchorage, AK | 9 | $ 2,595,000 | $ 288,333 | $ 106,000 |
| Bakersfield, CA | 9 | $ 2,705,000 | $ 300,555 | $ 229,000 |
| Chicago-Naperville, IL | 9 | $ 3,075,000 | $ 341,666 | $ 94,000 |
| Knoxville, TN | 9 | $ 2,135,000 | $ 237,222 | $ 79,000 |
| Canton-Massillon, OH | 8 | $ 1,320,000 | $ 165,000 | $ 86,000 |
| Colorado Springs, CO | 8 | $ 2,870,000 | $ 358,750 | $ 106,000 |
| Columbia, MO | 8 | $ 2,150,000 | $ 268,750 | $ 94,000 |
| Columbia, SC | 8 | $ 1,890,000 | $ 236,250 | $ 74,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 2,660,000 | $ 332,500 | $ 132,000 |
| New York-Jersey City-White Plains, NY-NJ | 8 | $ 3,850,000 | $ 481,250 | $ 181,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,770,000 | $ 346,250 | $ 102,000 |
| Columbus, OH | 7 | $ 2,765,000 | $ 395,000 | $ 123,000 |
| Jacksonville, FL | 7 | $ 2,025,000 | $ 289,285 | $ 136,000 |
| Jefferson City, MO | 7 | $ 1,265,000 | $ 180,714 | $ 62,000 |
| Modesto, CA | 7 | $ 2,515,000 | $ 359,285 | $ 134,000 |
| Panama City, FL | 7 | $ 3,965,000 | $ 566,428 | $ 509,000 |
| Raleigh, NC | 7 | $ 2,365,000 | $ 337,857 | $ 121,000 |
| Spokane-Spokane Valley, WA | 7 | $ 2,585,000 | $ 369,285 | $ 162,000 |
| Cleveland-Elyria, OH | 6 | $ 760,000 | $ 126,666 | $ 75,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,330,000 | $ 221,666 | $ 79,000 |
| Olympia-Tumwater, WA | 6 | $ 2,770,000 | $ 461,666 | $ 112,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 2,460,000 | $ 410,000 | $ 106,000 |
| Salem, OR | 6 | $ 2,360,000 | $ 393,333 | $ 115,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,525,000 | $ 305,000 | $ 93,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,675,000 | $ 335,000 | $ 152,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 2,065,000 | $ 413,000 | $ 228,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,195,000 | $ 239,000 | $ 119,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,645,000 | $ 329,000 | $ 72,000 |
| Newark, NJ-PA | 5 | $ 2,165,000 | $ 433,000 | $ 161,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,485,000 | $ 297,000 | $ 142,000 |
| Provo-Orem, UT | 5 | $ 2,625,000 | $ 525,000 | $ 144,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,145,000 | $ 229,000 | $ 83,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,425,000 | $ 285,000 | $ 84,000 |
| Sebring, FL | 5 | $ 1,015,000 | $ 203,000 | $ 69,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 1,715,000 | $ 343,000 | $ 124,000 |
| Tulsa, OK | 5 | $ 1,355,000 | $ 271,000 | $ 98,000 |
| Yuma, AZ | 5 | $ 1,075,000 | $ 215,000 | $ 62,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 4,530,000 | $ 1,132,500 | $ 506,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 1,170,000 | $ 292,500 | $ 186,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,610,000 | $ 402,500 | $ 83,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,040,000 | $ 260,000 | $ 85,000 |
| Fresno, CA | 4 | $ 1,640,000 | $ 410,000 | $ 199,000 |
| Greeley, CO | 4 | $ 2,740,000 | $ 685,000 | $ 300,000 |
| Huntsville, AL | 4 | $ 1,330,000 | $ 332,500 | $ 116,000 |
| Longview, WA | 4 | $ 1,960,000 | $ 490,000 | $ 267,000 |
| Pittsburgh, PA | 4 | $ 1,030,000 | $ 257,500 | $ 147,000 |
| Punta Gorda, FL | 4 | $ 1,430,000 | $ 357,500 | $ 121,000 |
| Richmond, VA | 4 | $ 1,350,000 | $ 337,500 | $ 89,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 1,130,000 | $ 282,500 | $ 112,000 |
| Stockton-Lodi, CA | 4 | $ 1,540,000 | $ 385,000 | $ 98,000 |
| Tallahassee, FL | 4 | $ 1,340,000 | $ 335,000 | $ 133,000 |
| Akron, OH | 3 | $ 415,000 | $ 138,333 | $ 41,000 |
| Albany, OR | 3 | $ 925,000 | $ 308,333 | $ 191,000 |
| Boise City, ID | 3 | $ 1,065,000 | $ 355,000 | $ 1,830,000 |
| Camden, NJ | 3 | $ 695,000 | $ 231,666 | $ 280,000 |
| Columbus, IN | 3 | $ 635,000 | $ 211,666 | $ 82,000 |
| Des Moines-West Des Moines, IA | 3 | $ 315,000 | $ 105,000 | $ 113,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 605,000 | $ 201,666 | $ 66,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 925,000 | $ 308,333 | $ 564,000 |
| Kennewick-Richland, WA | 3 | $ 1,785,000 | $ 595,000 | $ 192,000 |
| Madison, WI | 3 | $ 995,000 | $ 331,666 | $ 107,000 |
| Michigan City-La Porte, IN | 3 | $ 895,000 | $ 298,333 | $ 133,000 |
| Port St. Lucie, FL | 3 | $ 945,000 | $ 315,000 | $ 93,000 |
| Pueblo, CO | 3 | $ 1,125,000 | $ 375,000 | $ 163,000 |
| Santa Rosa, CA | 3 | $ 1,575,000 | $ 525,000 | $ 195,000 |
| Visalia-Porterville, CA | 3 | $ 1,165,000 | $ 388,333 | $ 115,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,195,000 | $ 398,333 | $ 180,000 |
| Winston-Salem, NC | 3 | $ 865,000 | $ 288,333 | $ 77,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 580,000 | $ 290,000 | $ 133,000 |
| Bend-Redmond, OR | 2 | $ 1,450,000 | $ 725,000 | $ 275,000 |
| Brownsville-Harlingen, TX | 2 | $ 850,000 | $ 425,000 | $ 196,000 |
| Charleston-North Charleston, SC | 2 | $ 650,000 | $ 325,000 | $ 167,000 |
| Durham-Chapel Hill, NC | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Fort Collins, CO | 2 | $ 980,000 | $ 490,000 | $ 78,000 |
| Grants Pass, OR | 2 | $ 630,000 | $ 315,000 | $ 87,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 370,000 | $ 185,000 | $ 53,000 |
| Jacksonville, NC | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Lafayette, LA | 2 | $ 380,000 | $ 190,000 | $ 62,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 290,000 | $ 145,000 | $ 265,000 |
| Memphis, TN-MS-AR | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Merced, CA | 2 | $ 730,000 | $ 365,000 | $ 74,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 590,000 | $ 295,000 | $ 90,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 600,000 | $ 300,000 | $ 125,000 |
| New York-Newark, NY | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,400,000 | $ 700,000 | $ 210,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 480,000 | $ 240,000 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,820,000 | $ 910,000 | $ 244,000 |
| Twin Falls, ID | 2 | $ 1,340,000 | $ 670,000 | $ 277,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Wenatchee, WA | 2 | $ 670,000 | $ 335,000 | $ 247,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 570,000 | $ 285,000 | $ 26,000 |
| Wilmington, NC | 2 | $ 550,000 | $ 275,000 | $ 239,000 |
| Albuquerque, NM | 1 | $ 235,000 | $ 235,000 | $ 173,000 |
| Amarillo, TX | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Asheville, NC | 1 | $ 345,000 | $ 345,000 | $ 68,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 495,000 | $ 495,000 | $ 252,000 |
| Baton Rouge, LA | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 245,000 | $ 245,000 | $ 111,000 |
| Beckley, WV | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Bellingham, WA | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Birmingham-Hoover, AL | 1 | $ 245,000 | $ 245,000 | $ 76,000 |
| Boulder, CO | 1 | $ 905,000 | $ 905,000 | $ 282,000 |
| Burlington-South Burlington, VT | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| California-Lexington Park, MD | 1 | $ 335,000 | $ 335,000 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Carson City, NV | 1 | $ 435,000 | $ 435,000 | $ 83,000 |
| Cedar Rapids, IA | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Cheyenne, WY | 1 | $ 535,000 | $ 535,000 | $ 149,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Decatur, AL | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 195,000 | $ 195,000 | $ 374,000 |
| Duluth, MN-WI | 1 | $ 195,000 | $ 195,000 | $ 183,000 |
| El Paso, TX | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Evansville, IN-KY | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Fairbanks, AK | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Flint, MI | 1 | $ 205,000 | $ 205,000 | $ 163,000 |
| Florence, SC | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| Gainesville, FL | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Goldsboro, NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 255,000 | $ 255,000 | $ 198,000 |
| Jackson, MI | 1 | $ 95,000 | $ 95,000 | $ 143,000 |
| Johnson City, TN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Kankakee, IL | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Lakeland-Winter Haven, FL | 1 | $ 385,000 | $ 385,000 | $ 89,000 |
| Lexington-Fayette, KY | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Logan, UT-ID | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Manchester-Nashua, NH | 1 | $ 565,000 | $ 565,000 | $ 150,000 |
| Mobile, AL | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 1,095,000 | $ 1,095,000 | $ 275,000 |
| Napa, CA | 1 | $ 335,000 | $ 335,000 | $ 166,000 |
| New Bern, NC | 1 | $ 445,000 | $ 445,000 | $ 232,000 |
| New Haven-Milford, CT | 1 | $ 345,000 | $ 345,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 485,000 | $ 485,000 | $ 219,000 |
| Ocala, FL | 1 | $ 205,000 | $ 205,000 | $ 148,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 445,000 | $ 445,000 | $ 121,000 |
| Portland-South Portland, ME | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 265,000 | $ 265,000 | $ 40,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 555,000 | $ 555,000 | $ 299,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Santa Fe, NM | 1 | $ 525,000 | $ 525,000 | $ 180,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,275,000 | $ 1,275,000 | $ 381,000 |
| Sherman-Denison, TX | 1 | $ 255,000 | $ 255,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 195,000 | $ 195,000 | $ 0 |
| State College, PA | 1 | $ 585,000 | $ 585,000 | $ 362,000 |
| The Villages, FL | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Walla Walla, WA | 1 | $ 285,000 | $ 285,000 | $ 781,000 |
| Winchester, VA-WV | 1 | $ 395,000 | $ 395,000 | $ 0 |
Mortgage Loan Application Detail Totals for On Q Financial, LLC in 2023
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 | 2,702 | $950,820,000 | $351,000 | $3,605,000 | $138,000 | $4,239,000 |
| Cash-out Refinancing | 227 | $66,815,000 | $294,000 | $1,605,000 | $136,000 | $1,200,000 |
| Refinancing | 116 | $42,300,000 | $364,000 | $1,275,000 | $148,000 | $387,000 |
| Other Purpose | 4 | $350,000 | $87,000 | $315,000 | $128,000 | $172,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 1,779 | $588,125,000 | $330,000 | $2,005,000 | $135,000 | $4,239,000 |
| Not Provided | 585 | $231,875,000 | $396,000 | $3,605,000 | $158,000 | $3,213,000 |
| Hispanic | 251 | $85,255,000 | $339,000 | $1,145,000 | $112,000 | $544,000 |
| Not applicable | 186 | $66,020,000 | $354,000 | $1,025,000 | $0 | $0 |
| Black or African American | 141 | $44,735,000 | $317,000 | $1,185,000 | $135,000 | $3,213,000 |
| Asian | 68 | $28,830,000 | $423,000 | $985,000 | $141,000 | $425,000 |
| American Indian or Alaskan Native | 24 | $7,040,000 | $293,000 | $525,000 | $121,000 | $649,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $800,000 | $400,000 | $435,000 | $168,000 | $214,000 |
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) | 1,929 | $719,205,000 | $372,000 | $3,605,000 | $162,000 | $4,239,000 |
| FHA-insured (Federal Housing Administration) | 834 | $237,410,000 | $284,000 | $1,105,000 | $92,000 | $455,000 |
| VA-guaranteed (Veterans Administration) | 246 | $96,910,000 | $393,000 | $1,195,000 | $117,000 | $485,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $6,760,000 | $169,000 | $385,000 | $69,000 | $112,000 |
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 | 1,874 | $651,970,000 | $347,000 | $3,005,000 | $135,000 | $4,239,000 |
| Application Withdrawn By Applicant | 396 | $131,470,000 | $331,000 | $1,125,000 | $142,000 | $1,830,000 |
| Application Approved But Not Accepted | 262 | $97,000,000 | $370,000 | $1,285,000 | $160,000 | $3,213,000 |
| Application Denied By Financial Institution | 203 | $62,375,000 | $307,000 | $3,605,000 | $105,000 | $1,001,000 |
| Loan Purchased By The Institution | 186 | $66,020,000 | $354,000 | $1,025,000 | $0 | $0 |
| File Closed For Incompleteness | 128 | $51,450,000 | $401,000 | $2,925,000 | $181,000 | $3,213,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,846 | $997,910,000 | $350,000 | $3,005,000 | $141,000 | $4,239,000 |
| Credit History | 51 | $13,305,000 | $260,000 | $1,275,000 | $100,000 | $664,000 |
| Debt-To-Income Ratio | 45 | $12,525,000 | $278,000 | $655,000 | $74,000 | $239,000 |
| Collateral | 34 | $10,540,000 | $310,000 | $1,355,000 | $122,000 | $588,000 |
| Credit Application Incomplete | 34 | $15,370,000 | $452,000 | $3,605,000 | $144,000 | $1,001,000 |
| Other | 16 | $4,090,000 | $255,000 | $505,000 | $97,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,500,000 | $291,000 | $705,000 | $124,000 | $350,000 |
| Employment History | 10 | $2,750,000 | $275,000 | $435,000 | $76,000 | $110,000 |
| Unverifiable Information | 1 | $295,000 | $295,000 | $295,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into On Q Financial, LLC's 2023 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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