Peak Residential Lending Inc Mortgage Lending & HMDA Data, 2025
In 2025, Peak Residential Lending Inc of Gilbert, AZ reported 659 mortgage applications totaling $251.6 million, down 2% from 2024. The average application was for $381,858, and applicants reported an average income of $138,230. 62% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Yuba City, CA (169), Sacramento--Roseville--Arden-Arcade, CA (131) and Bakersfield, CA (72) (applications in parentheses).
| Mortgage Company & Address | Peak Residential Lending Inc Gilbert, AZ 85295 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 |
| Total Number of Mortgage Applications | 659 |
| Total Mortgage Loan Application Amount | $251,645,000 |
| Average Mortgage Loan Application Amount | $381,858 |
| Highest Mortgage Loan Application Amount | $1,525,000 |
| Average Applicant Income | $138,230 |
| Highest Applicant Income | $1,889,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peak Residential Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Yuba City, CA | 169 | $ 64,115,000 | $ 379,378 | $ 126,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 131 | $ 61,025,000 | $ 465,839 | $ 161,000 |
| Outside any metro area | 77 | $ 21,155,000 | $ 274,740 | $ 124,207 |
| Bakersfield, CA | 72 | $ 22,150,000 | $ 307,638 | $ 119,000 |
| Phoenix-Mesa-Scottsdale, AZ | 48 | $ 19,030,000 | $ 396,458 | $ 173,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 47 | $ 20,845,000 | $ 443,510 | $ 128,000 |
| Reno, NV | 30 | $ 10,230,000 | $ 341,000 | $ 116,000 |
| Chico, CA | 26 | $ 7,870,000 | $ 302,692 | $ 113,000 |
| Stockton-Lodi, CA | 6 | $ 2,800,000 | $ 466,666 | $ 122,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 3,040,000 | $ 760,000 | $ 165,000 |
| Salem, OR | 4 | $ 1,630,000 | $ 407,500 | $ 121,000 |
| Vallejo-Fairfield, CA | 4 | $ 2,210,000 | $ 552,500 | $ 133,000 |
| Visalia-Porterville, CA | 4 | $ 860,000 | $ 215,000 | $ 136,000 |
| Flagstaff, AZ | 3 | $ 875,000 | $ 291,666 | $ 472,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 1,015,000 | $ 338,333 | $ 140,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,255,000 | $ 418,333 | $ 352,000 |
| Austin-Round Rock, TX | 2 | $ 840,000 | $ 420,000 | $ 223,000 |
| Boise City, ID | 2 | $ 730,000 | $ 365,000 | $ 111,000 |
| Fort Worth-Arlington, TX | 2 | $ 380,000 | $ 190,000 | $ 83,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,270,000 | $ 635,000 | $ 81,000 |
| Redding, CA | 2 | $ 180,000 | $ 90,000 | $ 49,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,270,000 | $ 635,000 | $ 96,000 |
| Albany, OR | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Carson City, NV | 1 | $ 475,000 | $ 475,000 | $ 68,000 |
| Coeur D'Alene, ID | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 335,000 | $ 335,000 | $ 121,000 |
| Fort Smith, AR-OK | 1 | $ 575,000 | $ 575,000 | $ 140,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 275,000 | $ 275,000 | $ 98,000 |
| Killeen-Temple, TX | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 425,000 | $ 425,000 | $ 225,000 |
| Modesto, CA | 1 | $ 385,000 | $ 385,000 | $ 122,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 525,000 | $ 525,000 | $ 314,000 |
| Panama City, FL | 1 | $ 515,000 | $ 515,000 | $ 240,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 775,000 | $ 775,000 | $ 231,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 815,000 | $ 815,000 | $ 272,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Santa Rosa, CA | 1 | $ 465,000 | $ 465,000 | $ 166,000 |
| Twin Falls, ID | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Peak Residential Lending Inc in 2025
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 | 533 | $208,925,000 | $391,000 | $1,525,000 | $142,000 | $1,889,000 |
| Refinancing | 65 | $26,655,000 | $410,000 | $845,000 | $131,000 | $1,135,000 |
| Cash-out Refinancing | 61 | $16,065,000 | $263,000 | $705,000 | $113,000 | $430,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 297 | $112,835,000 | $379,000 | $1,525,000 | $145,000 | $1,889,000 |
| Hispanic | 175 | $59,395,000 | $339,000 | $845,000 | $109,000 | $327,000 |
| Not Provided | 76 | $29,980,000 | $394,000 | $815,000 | $149,000 | $712,000 |
| Asian | 75 | $35,725,000 | $476,000 | $925,000 | $170,000 | $600,000 |
| Black or African American | 21 | $8,465,000 | $403,000 | $875,000 | $131,000 | $234,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $3,020,000 | $377,000 | $635,000 | $112,000 | $156,000 |
| American Indian or Alaskan Native | 7 | $2,225,000 | $317,000 | $625,000 | $130,000 | $242,000 |
| 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) | 404 | $150,410,000 | $372,000 | $1,525,000 | $153,000 | $1,889,000 |
| FHA-insured (Federal Housing Administration) | 193 | $72,575,000 | $376,000 | $875,000 | $116,000 | $514,000 |
| VA-guaranteed (Veterans Administration) | 56 | $27,090,000 | $483,000 | $1,005,000 | $109,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,570,000 | $261,000 | $355,000 | $89,000 | $104,000 |
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 | 410 | $154,200,000 | $376,000 | $1,205,000 | $141,000 | $1,135,000 |
| Application Withdrawn By Applicant | 242 | $94,200,000 | $389,000 | $875,000 | $132,000 | $1,889,000 |
| File Closed For Incompleteness | 2 | $1,930,000 | $965,000 | $1,525,000 | $381,000 | $600,000 |
| Application Denied By Financial Institution | 2 | $700,000 | $350,000 | $365,000 | $104,000 | $129,000 |
| Preapproval Approved but not Accepted | 2 | $410,000 | $205,000 | $215,000 | $55,000 | $65,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $50,000 | $50,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 657 | $250,945,000 | $381,000 | $1,525,000 | $138,000 | $1,889,000 |
| Employment History | 1 | $365,000 | $365,000 | $365,000 | $129,000 | $129,000 |
| Collateral | 1 | $335,000 | $335,000 | $335,000 | $79,000 | $79,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peak Residential Lending Inc's 2025 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 Peak Residential Lending Inc'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.
For a list of all lenders in Arizona, download the full spreadsheet
with aggregated HMDA statistics today.
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