The Harris Bank NA Mortgage Lending & HMDA Data, 2008
In 2008, The Harris Bank NA of Scottsdale, AZ reported 919 mortgage applications totaling $442.5 million, up 30% from 2007. The average application was for $481,529, and applicants reported an average income of $289,198. 65% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (387), Tucson, AZ (61) and West Palm Beach-Boca Raton-Boynton Beach, FL (58) (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 | 919 |
| Total Mortgage Loan Application Amount | $442,526,000 |
| Average Mortgage Loan Application Amount | $481,529 |
| Highest Mortgage Loan Application Amount | $6,825,000 |
| Average Applicant Income | $289,198 |
| Highest Applicant Income | $5,949,000 |
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Act (HMDA) records The Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Scottsdale, AZ | 387 | $ 209,856,000 | $ 542,263 | $ 312,000 |
| Tucson, AZ | 61 | $ 17,226,000 | $ 282,393 | $ 116,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 58 | $ 19,755,000 | $ 340,603 | $ 151,000 |
| Bradenton-Sarasota-Venice, FL | 53 | $ 18,928,000 | $ 357,132 | $ 204,000 |
| Naples-Marco Island, FL | 51 | $ 17,384,000 | $ 340,862 | $ 272,000 |
| Seattle-Bellevue-Everett, WA | 44 | $ 30,573,000 | $ 694,840 | $ 318,000 |
| Sebastian-Vero Beach, FL | 28 | $ 14,877,000 | $ 531,321 | $ 393,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 7,958,000 | $ 378,952 | $ 425,000 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 7,305,000 | $ 664,090 | $ 378,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 3,060,000 | $ 278,181 | $ 154,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 3,279,000 | $ 327,900 | $ 263,000 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 4,332,000 | $ 433,200 | $ 364,000 |
| Chicago-Naperville-Joliet, IL | 8 | $ 2,159,000 | $ 269,875 | $ 116,000 |
| Las Vegas-Paradise, NV | 7 | $ 1,626,000 | $ 232,285 | $ 124,000 |
| Flagstaff, AZ | 6 | $ 4,258,000 | $ 709,666 | $ 365,000 |
| Port St. Lucie, FL | 6 | $ 1,686,000 | $ 281,000 | $ 145,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 4,207,000 | $ 701,166 | $ 928,000 |
| Orlando-Kissimmee, FL | 5 | $ 2,646,000 | $ 529,200 | $ 290,000 |
| Denver-Aurora, CO | 4 | $ 1,469,000 | $ 367,250 | $ 174,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,869,000 | $ 467,250 | $ 253,000 |
| Prescott, AZ | 4 | $ 1,787,000 | $ 446,750 | $ 254,000 |
| Bellingham, WA | 3 | $ 388,000 | $ 129,333 | $ 35,000 |
| Boulder, CO | 3 | $ 1,636,000 | $ 545,333 | $ 140,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 2,005,000 | $ 668,333 | $ 330,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 5,505,000 | $ 1,835,000 | $ 667,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,108,000 | $ 554,000 | $ 332,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 5,000,000 | $ 2,500,000 | $ 1,700,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 710,000 | $ 355,000 | $ 125,000 |
| Honolulu, HI | 2 | $ 835,000 | $ 417,500 | $ 313,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,227,000 | $ 613,500 | $ 382,000 |
| Ocala, FL | 2 | $ 455,000 | $ 227,500 | $ 189,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 521,000 | $ 260,500 | $ 63,000 |
| Tacoma, WA | 2 | $ 424,000 | $ 212,000 | $ 131,000 |
| Austin-Round Rock, TX | 1 | $ 137,000 | $ 137,000 | $ 222,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Bremerton-Silverdale, WA | 1 | $ 260,000 | $ 260,000 | $ 96,000 |
| Brunswick, GA | 1 | $ 860,000 | $ 860,000 | $ 1,004,000 |
| College Station-Bryan, TX | 1 | $ 226,000 | $ 226,000 | $ 150,000 |
| Colorado Springs, CO | 1 | $ 182,000 | $ 182,000 | $ 150,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,500,000 | $ 1,500,000 | $ 5,204,000 |
| Durham, NC | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
| El Paso, TX | 1 | $ 49,000 | $ 49,000 | $ 59,000 |
| Fort Collins-Loveland, CO | 1 | $ 186,000 | $ 186,000 | $ 119,000 |
| Greensboro-High Point, NC | 1 | $ 150,000 | $ 150,000 | $ 405,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 338,000 | $ 338,000 | $ 140,000 |
| Lakeland-Winter Haven, FL | 1 | $ 88,000 | $ 88,000 | $ 143,000 |
| Lebanon, PA | 1 | $ 120,000 | $ 120,000 | $ 32,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 212,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 294,000 | $ 294,000 | $ 537,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,452,000 | $ 1,452,000 | $ 201,000 |
| Punta Gorda, FL | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Richmond, VA | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
| Salinas, CA | 1 | $ 977,000 | $ 977,000 | $ 432,000 |
| Salt Lake City, UT | 1 | $ 356,000 | $ 356,000 | $ 180,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 1,200,000 | $ 1,200,000 | $ 340,000 |
| Santa Fe, NM | 1 | $ 633,000 | $ 633,000 | $ 558,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 3,280,000 | $ 3,280,000 | $ 1,328,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 70,000 | $ 70,000 | $ 113,000 |
| Wenatchee, WA | 1 | $ 839,000 | $ 839,000 | $ 910,000 |
| Worcester, MA | 1 | $ 420,000 | $ 420,000 | $ 130,000 |
| Yuma, AZ | 1 | $ 50,000 | $ 50,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for The Harris Bank NA in 2008
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 | 635 | $295,367,000 | $465,000 | $6,825,000 | $279,000 | $5,204,000 |
| Refinancing | 284 | $147,159,000 | $518,000 | $6,490,000 | $312,000 | $5,949,000 |
| Home Improvement | 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 | 546 | $287,975,000 | $527,000 | $6,490,000 | $344,000 | $5,949,000 |
| Not Provided | 236 | $121,671,000 | $515,000 | $6,825,000 | $281,000 | $1,968,000 |
| Hispanic | 76 | $18,768,000 | $246,000 | $2,813,000 | $70,000 | $662,000 |
| Black or African American | 35 | $5,465,000 | $156,000 | $400,000 | $46,000 | $122,000 |
| Asian | 19 | $5,960,000 | $313,000 | $921,000 | $192,000 | $552,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,523,000 | $380,000 | $441,000 | $160,000 | $324,000 |
| American Indian or Alaskan Native | 3 | $1,164,000 | $388,000 | $800,000 | $152,000 | $395,000 |
| 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) | 919 | $442,526,000 | $481,000 | $6,825,000 | $289,000 | $5,949,000 |
| 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 | 600 | $265,896,000 | $443,000 | $4,000,000 | $320,000 | $5,949,000 |
| File Closed For Incompleteness | 112 | $56,383,000 | $503,000 | $2,510,000 | $225,000 | $1,498,000 |
| Application Approved But Not Accepted | 77 | $32,537,000 | $422,000 | $2,000,000 | $241,000 | $1,700,000 |
| Application Denied By Financial Institution | 74 | $71,450,000 | $965,000 | $6,825,000 | $308,000 | $3,936,000 |
| Application Withdrawn By Applicant | 29 | $9,861,000 | $340,000 | $1,267,000 | $192,000 | $1,310,000 |
| Preapproval Denied by Financial Institution | 27 | $6,399,000 | $237,000 | $1,500,000 | $74,000 | $463,000 |
| 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 | 53 | $46,525,000 | $877,000 | $6,825,000 | $218,000 | $1,700,000 |
| Credit History | 21 | $7,240,000 | $344,000 | $3,500,000 | $101,000 | $1,000,000 |
| Collateral | 12 | $8,014,000 | $667,000 | $2,000,000 | $248,000 | $700,000 |
| Other | 10 | $9,567,000 | $956,000 | $6,490,000 | $658,000 | $3,936,000 |
| Unverifiable Information | 2 | $1,257,000 | $628,000 | $840,000 | $261,000 | $449,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $5,146,000 | $2,573,000 | $5,000,000 | $515,000 | $1,000,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $20,000 | $20,000 |
| 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 2008 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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