The Harris Bank NA Mortgage Lending & HMDA Data, 2006
In 2006, The Harris Bank NA of Scottsdale, AZ reported 853 mortgage applications totaling $334.3 million, down 27% from 2005. The average application was for $391,871, and applicants reported an average income of $150,105. 74% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (344), Tucson, AZ (69) and West Palm Beach-Boca Raton-Boynton Beach, FL (62) (applications in parentheses).
| Mortgage Company & Address | The Harris Bank NA 6720 N. Scottsdale Road, Suite 111 Scottsdale, AZ 85253 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 853 |
| Total Mortgage Loan Application Amount | $334,266,000 |
| Average Mortgage Loan Application Amount | $391,871 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $150,105 |
| Highest Applicant Income | $8,868,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 338 | $ 123,055,000 | $ 364,068 | $ 164,000 |
| Pima, Arizona | 69 | $ 22,648,000 | $ 328,231 | $ 144,000 |
| Palm Beach, Florida | 62 | $ 12,928,000 | $ 208,516 | $ 132,000 |
| Collier, Florida | 53 | $ 29,080,000 | $ 548,679 | $ 97,000 |
| King, Washington | 53 | $ 26,387,000 | $ 497,867 | $ 156,000 |
| Indian River, Florida | 44 | $ 19,723,000 | $ 448,250 | $ 104,000 |
| Sarasota, Florida | 33 | $ 9,764,000 | $ 295,878 | $ 66,000 |
| Lee, Florida | 13 | $ 5,793,000 | $ 445,615 | $ 182,000 |
| San Juan, Washington | 10 | $ 5,490,000 | $ 549,000 | $ 217,000 |
| Yavapai, Arizona | 7 | $ 2,220,000 | $ 317,142 | $ 105,000 |
| Manatee, Florida | 7 | $ 5,777,000 | $ 825,285 | $ 223,000 |
| Pinal, Arizona | 6 | $ 1,192,000 | $ 198,666 | $ 35,000 |
| Miami-Dade, Florida | 6 | $ 1,808,000 | $ 301,333 | $ 228,000 |
| Snohomish, Washington | 6 | $ 1,620,000 | $ 270,000 | $ 52,000 |
| Coconino, Arizona | 5 | $ 3,160,000 | $ 632,000 | $ 394,000 |
| Cook, Illinois | 5 | $ 2,417,000 | $ 483,400 | $ 221,000 |
| Fairfax, Virginia | 5 | $ 3,813,000 | $ 762,600 | $ 282,000 |
| Navajo, Arizona | 4 | $ 849,000 | $ 212,250 | $ 0 |
| Clark, Nevada | 4 | $ 863,000 | $ 215,750 | $ 60,000 |
| Multnomah, Oregon | 4 | $ 642,000 | $ 160,500 | $ 14,000 |
| Riverside, California | 3 | $ 1,154,000 | $ 384,666 | $ 102,000 |
| Brevard, Florida | 3 | $ 512,000 | $ 170,666 | $ 41,000 |
| Charlotte, Florida | 3 | $ 1,019,000 | $ 339,666 | $ 253,000 |
| Norfolk, Massachusetts | 3 | $ 2,809,000 | $ 936,333 | $ 321,000 |
| Gila, Arizona | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Garland, Arkansas | 2 | $ 177,000 | $ 88,500 | $ 0 |
| Fresno, California | 2 | $ 795,000 | $ 397,500 | $ 66,000 |
| Broward, Florida | 2 | $ 1,822,000 | $ 911,000 | $ 254,000 |
| Escambia, Florida | 2 | $ 1,049,000 | $ 524,500 | $ 59,000 |
| Leon, Florida | 2 | $ 323,000 | $ 161,500 | $ 63,000 |
| Polk, Florida | 2 | $ 650,000 | $ 325,000 | $ 0 |
| St. Lucie, Florida | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Maui, Hawaii | 2 | $ 2,000,000 | $ 1,000,000 | $ 645,000 |
| Cumberland, Maine | 2 | $ 4,500,000 | $ 2,250,000 | $ 409,000 |
| Talbot, Maryland | 2 | $ 2,500,000 | $ 1,250,000 | $ 686,000 |
| Caldwell, North Carolina | 2 | $ 550,000 | $ 275,000 | $ 289,000 |
| Iredell, North Carolina | 2 | $ 1,650,000 | $ 825,000 | $ 0 |
| Deschutes, Oregon | 2 | $ 634,000 | $ 317,000 | $ 79,000 |
| Alexandria, Virginia | 2 | $ 794,000 | $ 397,000 | $ 566,000 |
| Chelan, Washington | 2 | $ 696,000 | $ 348,000 | $ 213,000 |
| Apache, Arizona | 1 | $ 1,480,000 | $ 1,480,000 | $ 626,000 |
| Cochise, Arizona | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Santa Cruz, Arizona | 1 | $ 417,000 | $ 417,000 | $ 125,000 |
| Alameda, California | 1 | $ 250,000 | $ 250,000 | $ 116,000 |
| Orange, California | 1 | $ 955,000 | $ 955,000 | $ 0 |
| San Diego, California | 1 | $ 960,000 | $ 960,000 | $ 459,000 |
| Sonoma, California | 1 | $ 1,206,000 | $ 1,206,000 | $ 350,000 |
| Boulder, Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 264,000 |
| Summit, Colorado | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Tolland, Connecticut | 1 | $ 300,000 | $ 300,000 | $ 149,000 |
| Hendry, Florida | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Marion, Florida | 1 | $ 179,000 | $ 179,000 | $ 127,000 |
| Martin, Florida | 1 | $ 219,000 | $ 219,000 | $ 221,000 |
| Monroe, Florida | 1 | $ 780,000 | $ 780,000 | $ 360,000 |
| Osceola, Florida | 1 | $ 240,000 | $ 240,000 | $ 199,000 |
| Pinellas, Florida | 1 | $ 43,000 | $ 43,000 | $ 30,000 |
| Seminole, Florida | 1 | $ 964,000 | $ 964,000 | $ 0 |
| Sumter, Florida | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Gordon, Georgia | 1 | $ 66,000 | $ 66,000 | $ 20,000 |
| Honolulu, Hawaii | 1 | $ 586,000 | $ 586,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 514,000 | $ 514,000 | $ 242,000 |
| Lake, Indiana | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Polk, Iowa | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Platte, Missouri | 1 | $ 186,000 | $ 186,000 | $ 91,000 |
| Gallatin, Montana | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Carroll, New Hampshire | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Camden, New Jersey | 1 | $ 346,000 | $ 346,000 | $ 150,000 |
| Ocean, New Jersey | 1 | $ 710,000 | $ 710,000 | $ 0 |
| Dona Ana, New Mexico | 1 | $ 270,000 | $ 270,000 | $ 0 |
| New York, New York | 1 | $ 2,000,000 | $ 2,000,000 | $ 859,000 |
| Westchester, New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 950,000 |
| Buncombe, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Chatham, North Carolina | 1 | $ 500,000 | $ 500,000 | $ 130,000 |
| Cherokee, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 504,000 | $ 504,000 | $ 0 |
| Scotland, North Carolina | 1 | $ 84,000 | $ 84,000 | $ 254,000 |
| Coos, Oregon | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 615,000 | $ 615,000 | $ 254,000 |
| Horry, South Carolina | 1 | $ 156,000 | $ 156,000 | $ 107,000 |
| Cheatham, Tennessee | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Montgomery, Tennessee | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Bexar, Texas | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Dallas, Texas | 1 | $ 340,000 | $ 340,000 | $ 42,000 |
| El Paso, Texas | 1 | $ 160,000 | $ 160,000 | $ 392,000 |
| Johnson, Texas | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Smith, Texas | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Summit, Utah | 1 | $ 1,000,000 | $ 1,000,000 | $ 420,000 |
| Utah, Utah | 1 | $ 263,000 | $ 263,000 | $ 308,000 |
| Wasatch, Utah | 1 | $ 746,000 | $ 746,000 | $ 0 |
| Orleans, Vermont | 1 | $ 313,000 | $ 313,000 | $ 2,304,000 |
| Bedford, Virginia | 1 | $ 130,000 | $ 130,000 | $ 67,000 |
| Grant, Washington | 1 | $ 140,000 | $ 140,000 | $ 200,000 |
| Island, Washington | 1 | $ 672,000 | $ 672,000 | $ 240,000 |
| Kitsap, Washington | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Thurston, Washington | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Whatcom, Washington | 1 | $ 560,000 | $ 560,000 | $ 995,000 |
| Milwaukee, Wisconsin | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Oneida, Wisconsin | 1 | $ 278,000 | $ 278,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for The Harris Bank NA in 2006
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 | 571 | $232,143,000 | $406,000 | $3,500,000 | $138,000 | $8,868,000 |
| Refinancing | 267 | $101,322,000 | $379,000 | $2,500,000 | $181,000 | $8,868,000 |
| Home Improvement | 15 | $801,000 | $53,000 | $137,000 | $61,000 | $288,000 |
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 | 561 | $243,710,000 | $434,000 | $2,600,000 | $152,000 | $4,630,000 |
| Not Provided | 155 | $62,326,000 | $402,000 | $3,500,000 | $230,000 | $8,868,000 |
| Hispanic | 89 | $16,818,000 | $188,000 | $1,000,000 | $46,000 | $392,000 |
| Black or African American | 25 | $4,695,000 | $187,000 | $920,000 | $42,000 | $150,000 |
| Asian | 17 | $5,653,000 | $332,000 | $650,000 | $74,000 | $974,000 |
| American Indian or Alaskan Native | 4 | $756,000 | $189,000 | $398,000 | $55,000 | $134,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $308,000 | $154,000 | $178,000 | $84,000 | $168,000 |
| 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) | 853 | $334,266,000 | $391,000 | $3,500,000 | $150,000 | $8,868,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 627 | $240,795,000 | $384,000 | $2,600,000 | $132,000 | $8,868,000 |
| File Closed For Incompleteness | 83 | $36,785,000 | $443,000 | $3,000,000 | $170,000 | $1,420,000 |
| Application Approved But Not Accepted | 75 | $34,666,000 | $462,000 | $3,500,000 | $245,000 | $8,868,000 |
| Application Denied By Financial Institution | 40 | $11,612,000 | $290,000 | $2,000,000 | $82,000 | $443,000 |
| Application Withdrawn By Applicant | 18 | $8,693,000 | $482,000 | $1,500,000 | $508,000 | $4,630,000 |
| Preapproval Denied by Financial Institution | 10 | $1,715,000 | $171,000 | $608,000 | $48,000 | $150,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 24 | $4,084,000 | $170,000 | $630,000 | $42,000 | $150,000 |
| Credit History | 14 | $4,493,000 | $320,000 | $2,000,000 | $99,000 | $443,000 |
| Collateral | 4 | $2,297,000 | $574,000 | $1,206,000 | $211,000 | $350,000 |
| Other | 4 | $1,629,000 | $407,000 | $1,000,000 | $46,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $235,000 | $117,000 | $143,000 | $38,000 | $48,000 |
| Unverifiable Information | 1 | $372,000 | $372,000 | $372,000 | $216,000 | $216,000 |
| Employment History | 1 | $217,000 | $217,000 | $217,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Harris Bank NA's 2006 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 The Harris Bank NA'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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