The Harris Bank NA Mortgage Lending & HMDA Data, 2010
In 2010, The Harris Bank NA of Scottsdale, AZ reported 533 mortgage applications totaling $220.2 million, down 35% from 2009. The average application was for $413,075, and applicants reported an average income of $261,928. 65% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (159), North Port-Bradenton-Sarasota, FL (50) and Naples-Marco Island, FL (38) (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 | 533 |
| Total Mortgage Loan Application Amount | $220,169,000 |
| Average Mortgage Loan Application Amount | $413,075 |
| Highest Mortgage Loan Application Amount | $6,156,000 |
| Average Applicant Income | $261,928 |
| Highest Applicant Income | $7,842,000 |
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Act (HMDA) records The Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-Glendale, AZ | 159 | $ 66,767,000 | $ 419,918 | $ 268,000 |
| North Port-Bradenton-Sarasota, FL | 50 | $ 14,488,000 | $ 289,760 | $ 226,000 |
| Naples-Marco Island, FL | 38 | $ 15,778,000 | $ 415,210 | $ 232,000 |
| Seattle-Bellevue-Everett, WA | 31 | $ 14,015,000 | $ 452,096 | $ 211,000 |
| Tucson, AZ | 29 | $ 8,853,000 | $ 305,275 | $ 163,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 27 | $ 10,859,000 | $ 402,185 | $ 489,000 |
| Sebastian-Vero Beach, FL | 26 | $ 13,840,000 | $ 532,307 | $ 250,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 3,114,000 | $ 259,500 | $ 228,000 |
| Port St. Lucie, FL | 8 | $ 1,636,000 | $ 204,500 | $ 226,000 |
| Bethesda-Rockville-Frederick, MD | 7 | $ 3,496,000 | $ 499,428 | $ 219,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 2,768,000 | $ 461,333 | $ 245,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 4,215,000 | $ 702,500 | $ 306,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 4,138,000 | $ 689,666 | $ 407,666 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 2,248,000 | $ 449,600 | $ 196,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 2,978,000 | $ 595,600 | $ 216,000 |
| Chicago-Joliet-Naperville, IL | 4 | $ 1,044,000 | $ 261,000 | $ 257,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,826,000 | $ 456,500 | $ 667,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,039,000 | $ 259,750 | $ 236,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 806,000 | $ 268,666 | $ 98,000 |
| Flagstaff, AZ | 3 | $ 1,080,000 | $ 360,000 | $ 382,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,580,000 | $ 526,666 | $ 385,333 |
| Prescott, AZ | 3 | $ 959,000 | $ 319,666 | $ 134,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,387,000 | $ 462,333 | $ 263,000 |
| Des Moines-West Des Moines, IA | 2 | $ 768,000 | $ 384,000 | $ 152,000 |
| Fort Collins-Loveland, CO | 2 | $ 676,000 | $ 338,000 | $ 391,000 |
| Las Vegas-Paradise, NV | 2 | $ 548,000 | $ 274,000 | $ 108,000 |
| Olympia, WA | 2 | $ 586,000 | $ 293,000 | $ 66,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 198,000 | $ 99,000 | $ 226,000 |
| Tacoma, WA | 2 | $ 2,186,000 | $ 1,093,000 | $ 443,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 311,000 | $ 311,000 | $ 184,000 |
| Asheville, NC | 1 | $ 210,000 | $ 210,000 | $ 370,000 |
| Barnstable Town, MA | 1 | $ 375,000 | $ 375,000 | $ 146,000 |
| Bend, OR | 1 | $ 200,000 | $ 200,000 | $ 188,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 170,000 | $ 170,000 | $ 230,000 |
| Boston-Quincy, MA | 1 | $ 417,000 | $ 417,000 | $ 145,000 |
| Boulder, CO | 1 | $ 270,000 | $ 270,000 | $ 63,000 |
| Brunswick, GA | 1 | $ 835,000 | $ 835,000 | $ 321,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 508,000 | $ 508,000 | $ 143,000 |
| Camden, NJ | 1 | $ 339,000 | $ 339,000 | $ 203,000 |
| Fort Worth-Arlington, TX | 1 | $ 2,500,000 | $ 2,500,000 | $ 1,533,000 |
| Honolulu, HI | 1 | $ 499,000 | $ 499,000 | $ 352,000 |
| Indianapolis-Carmel, IN | 1 | $ 417,000 | $ 417,000 | $ 1,256,000 |
| Jacksonville, FL | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Kalamazoo-Portage, MI | 1 | $ 415,000 | $ 415,000 | $ 200,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 340,000 | $ 340,000 | $ 172,000 |
| Lakeland-Winter Haven, FL | 1 | $ 147,000 | $ 147,000 | $ 145,000 |
| Madison, WI | 1 | $ 154,000 | $ 154,000 | $ 246,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,251,000 | $ 1,251,000 | $ 374,000 |
| Modesto, CA | 1 | $ 761,000 | $ 761,000 | $ 471,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 770,000 | $ 770,000 | $ 792,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 417,000 | $ 417,000 | $ 204,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 172,000 | $ 172,000 | $ 121,000 |
| Rockingham County-Strafford County, NH | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Salinas, CA | 1 | $ 990,000 | $ 990,000 | $ 420,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 460,000 | $ 460,000 | $ 270,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 464,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 601,000 | $ 601,000 | $ 270,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 442,000 | $ 442,000 | $ 323,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 380,000 | $ 380,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for The Harris Bank NA in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 335 | $155,071,000 | $462,000 | $6,156,000 | $276,000 | $2,893,000 |
| Home Purchase | 192 | $63,110,000 | $328,000 | $3,000,000 | $239,000 | $7,842,000 |
| Home Improvement | 6 | $1,988,000 | $331,000 | $960,000 | $210,000 | $600,000 |
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 | 344 | $143,151,000 | $416,000 | $6,156,000 | $268,000 | $2,893,000 |
| Not Provided | 149 | $67,187,000 | $450,000 | $3,000,000 | $296,000 | $7,842,000 |
| Hispanic | 25 | $5,418,000 | $216,000 | $1,500,000 | $70,000 | $395,000 |
| Asian | 6 | $2,351,000 | $391,000 | $932,000 | $225,000 | $792,000 |
| Black or African American | 5 | $1,501,000 | $300,000 | $575,000 | $74,000 | $139,000 |
| Not applicable | 4 | $561,000 | $140,000 | $172,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 523 | $219,045,000 | $418,000 | $6,156,000 | $266,000 | $7,842,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,124,000 | $112,000 | $153,000 | $43,000 | $78,000 |
| 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 | 344 | $139,298,000 | $404,000 | $6,156,000 | $283,000 | $7,842,000 |
| Application Withdrawn By Applicant | 100 | $44,416,000 | $444,000 | $2,653,000 | $238,000 | $1,494,000 |
| Application Denied By Financial Institution | 36 | $15,839,000 | $439,000 | $1,660,000 | $165,000 | $924,000 |
| Application Approved But Not Accepted | 30 | $16,270,000 | $542,000 | $2,500,000 | $327,000 | $1,533,000 |
| Preapproval Denied by Financial Institution | 18 | $3,310,000 | $183,000 | $1,050,000 | $116,000 | $602,000 |
| File Closed For Incompleteness | 5 | $1,036,000 | $207,000 | $417,000 | $145,000 | $419,000 |
| 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 | 23 | $9,699,000 | $421,000 | $1,660,000 | $96,000 | $323,000 |
| Credit History | 10 | $2,331,000 | $233,000 | $1,455,000 | $98,000 | $286,000 |
| Collateral | 8 | $3,627,000 | $453,000 | $1,500,000 | $286,000 | $924,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,184,000 | $296,000 | $560,000 | $250,000 | $419,000 |
| Unverifiable Information | 4 | $1,475,000 | $368,000 | $575,000 | $237,000 | $602,000 |
| Other | 3 | $565,000 | $188,000 | $352,000 | $114,000 | $173,000 |
| Credit Application Incomplete | 1 | $140,000 | $140,000 | $140,000 | $248,000 | $248,000 |
| Employment History | 1 | $128,000 | $128,000 | $128,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Harris Bank NA's 2010 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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with aggregated HMDA statistics today.
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