The Lending Company Mortgage Lending & HMDA Data, 2013
In 2013, The Lending Company of Phoenix, AZ reported 4,344 mortgage applications totaling $1.0 billion, up 6% from 2012. The average application was for $236,056, and applicants reported an average income of $87,998. 56% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (2,176), San Diego-Carlsbad-San Marcos, CA (718) and Riverside-San Bernardino-Ontario, CA (216) (applications in parentheses).
| Mortgage Company & Address | The Lending Company 6910 E Chauncey Ln Ste 220 Phoenix, AZ 85054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 4,344 |
| Total Mortgage Loan Application Amount | $1,025,431,000 |
| Average Mortgage Loan Application Amount | $236,056 |
| Highest Mortgage Loan Application Amount | $2,513,000 |
| Average Applicant Income | $87,998 |
| Highest Applicant Income | $1,300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Lending Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,959 | $ 372,058,000 | $ 189,922 | $ 80,000 |
| San Diego, California | 718 | $ 250,772,000 | $ 349,264 | $ 112,000 |
| Pinal, Arizona | 217 | $ 33,217,000 | $ 153,073 | $ 64,000 |
| Los Angeles, California | 214 | $ 68,227,000 | $ 318,817 | $ 109,000 |
| Orange, California | 114 | $ 42,715,000 | $ 374,692 | $ 127,000 |
| Riverside, California | 113 | $ 28,370,000 | $ 251,061 | $ 83,000 |
| San Bernardino, California | 103 | $ 20,225,000 | $ 196,359 | $ 84,000 |
| Pima, Arizona | 97 | $ 18,362,000 | $ 189,298 | $ 80,000 |
| Fairfield, Connecticut | 58 | $ 18,405,000 | $ 317,327 | $ 117,000 |
| Yavapai, Arizona | 53 | $ 10,742,000 | $ 202,679 | $ 92,000 |
| Kern, California | 45 | $ 8,371,000 | $ 186,022 | $ 49,000 |
| Ventura, California | 45 | $ 12,849,000 | $ 285,533 | $ 79,000 |
| Mohave, Arizona | 37 | $ 4,892,000 | $ 132,216 | $ 72,000 |
| Miami-Dade, Florida | 31 | $ 6,834,000 | $ 220,451 | $ 75,000 |
| Broward, Florida | 29 | $ 5,570,000 | $ 192,068 | $ 69,000 |
| New Haven, Connecticut | 25 | $ 4,385,000 | $ 175,400 | $ 65,000 |
| Navajo, Arizona | 24 | $ 4,172,000 | $ 173,833 | $ 96,000 |
| Coconino, Arizona | 21 | $ 5,135,000 | $ 244,523 | $ 92,000 |
| Hartford, Connecticut | 18 | $ 3,101,000 | $ 172,277 | $ 72,000 |
| Cochise, Arizona | 14 | $ 2,690,000 | $ 192,142 | $ 56,000 |
| Yuma, Arizona | 14 | $ 2,207,000 | $ 157,642 | $ 88,000 |
| Fresno, California | 13 | $ 2,180,000 | $ 167,692 | $ 50,000 |
| Imperial, California | 12 | $ 1,959,000 | $ 163,250 | $ 44,000 |
| Sacramento, California | 12 | $ 2,198,000 | $ 183,166 | $ 65,000 |
| Middlesex, Connecticut | 12 | $ 2,407,000 | $ 200,583 | $ 72,000 |
| Alameda, California | 9 | $ 4,385,000 | $ 487,222 | $ 119,000 |
| Contra Costa, California | 9 | $ 3,169,000 | $ 352,111 | $ 118,000 |
| Honolulu, Hawaii | 8 | $ 3,824,000 | $ 478,000 | $ 110,000 |
| Apache, Arizona | 7 | $ 1,061,000 | $ 151,571 | $ 104,000 |
| Gila, Arizona | 6 | $ 1,287,000 | $ 214,500 | $ 83,000 |
| San Juan, New Mexico | 6 | $ 855,000 | $ 142,500 | $ 59,000 |
| Monterey, California | 5 | $ 1,063,000 | $ 212,600 | $ 74,000 |
| Litchfield, Connecticut | 5 | $ 3,388,000 | $ 677,600 | $ 140,000 |
| Mendocino, California | 4 | $ 1,248,000 | $ 312,000 | $ 98,000 |
| Placer, California | 4 | $ 1,272,000 | $ 318,000 | $ 48,000 |
| San Joaquin, California | 4 | $ 939,000 | $ 234,750 | $ 81,000 |
| San Luis Obispo, California | 4 | $ 995,000 | $ 248,750 | $ 74,000 |
| Santa Barbara, California | 4 | $ 1,705,000 | $ 426,250 | $ 61,000 |
| Solano, California | 4 | $ 1,507,000 | $ 376,750 | $ 33,000 |
| Tulare, California | 4 | $ 625,000 | $ 156,250 | $ 52,000 |
| Williamson, Texas | 4 | $ 640,000 | $ 160,000 | $ 115,000 |
| Pierce, Washington | 4 | $ 976,000 | $ 244,000 | $ 26,000 |
| Thurston, Washington | 4 | $ 921,000 | $ 230,250 | $ 0 |
| Santa Clara, California | 3 | $ 1,588,000 | $ 529,333 | $ 107,000 |
| Arapahoe, Colorado | 3 | $ 819,000 | $ 273,000 | $ 95,000 |
| New London, Connecticut | 3 | $ 653,000 | $ 217,666 | $ 58,000 |
| Palm Beach, Florida | 3 | $ 697,000 | $ 232,333 | $ 24,000 |
| Benton, Oregon | 3 | $ 847,000 | $ 282,333 | $ 336,000 |
| Bexar, Texas | 3 | $ 782,000 | $ 260,666 | $ 0 |
| Dallas, Texas | 3 | $ 726,000 | $ 242,000 | $ 93,000 |
| La Paz, Arizona | 2 | $ 240,000 | $ 120,000 | $ 54,000 |
| Nevada, California | 2 | $ 525,000 | $ 262,500 | $ 261,000 |
| San Francisco, California | 2 | $ 1,585,000 | $ 792,500 | $ 191,000 |
| San Mateo, California | 2 | $ 489,000 | $ 244,500 | $ 168,000 |
| Santa Cruz, California | 2 | $ 917,000 | $ 458,500 | $ 129,000 |
| Shasta, California | 2 | $ 443,000 | $ 221,500 | $ 191,000 |
| Douglas, Colorado | 2 | $ 609,000 | $ 304,500 | $ 104,000 |
| El Paso, Colorado | 2 | $ 362,000 | $ 181,000 | $ 80,000 |
| Larimer, Colorado | 2 | $ 312,000 | $ 156,000 | $ 32,000 |
| Weld, Colorado | 2 | $ 373,000 | $ 186,500 | $ 23,000 |
| Marion, Florida | 2 | $ 457,000 | $ 228,500 | $ 71,000 |
| Hawaii, Hawaii | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Washtenaw, Michigan | 2 | $ 777,000 | $ 388,500 | $ 236,000 |
| Bernalillo, New Mexico | 2 | $ 803,000 | $ 401,500 | $ 0 |
| Washington, Oregon | 2 | $ 348,000 | $ 174,000 | $ 24,000 |
| Ellis, Texas | 2 | $ 187,000 | $ 93,500 | $ 82,000 |
| Liberty, Texas | 2 | $ 323,000 | $ 161,500 | $ 104,000 |
| Tarrant, Texas | 2 | $ 834,000 | $ 417,000 | $ 325,000 |
| Salt Lake, Utah | 2 | $ 347,000 | $ 173,500 | $ 27,000 |
| Cowlitz, Washington | 2 | $ 500,000 | $ 250,000 | $ 25,000 |
| King, Washington | 2 | $ 434,000 | $ 217,000 | $ 60,000 |
| Snohomish, Washington | 2 | $ 501,000 | $ 250,500 | $ 0 |
| Santa Cruz, Arizona | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Calaveras, California | 1 | $ 320,000 | $ 320,000 | $ 80,000 |
| Humboldt, California | 1 | $ 263,000 | $ 263,000 | $ 52,000 |
| Madera, California | 1 | $ 387,000 | $ 387,000 | $ 100,000 |
| Marin, California | 1 | $ 268,000 | $ 268,000 | $ 105,000 |
| San Benito, California | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Stanislaus, California | 1 | $ 143,000 | $ 143,000 | $ 47,000 |
| Yolo, California | 1 | $ 155,000 | $ 155,000 | $ 285,000 |
| Yuba, California | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Elbert, Colorado | 1 | $ 367,000 | $ 367,000 | $ 100,000 |
| Jefferson, Colorado | 1 | $ 298,000 | $ 298,000 | $ 87,000 |
| La Plata, Colorado | 1 | $ 170,000 | $ 170,000 | $ 46,000 |
| Mesa, Colorado | 1 | $ 217,000 | $ 217,000 | $ 107,000 |
| Baker, Florida | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Bay, Florida | 1 | $ 177,000 | $ 177,000 | $ 77,000 |
| Charlotte, Florida | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
| Clay, Florida | 1 | $ 258,000 | $ 258,000 | $ 156,000 |
| Collier, Florida | 1 | $ 180,000 | $ 180,000 | $ 101,000 |
| Escambia, Florida | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Hernando, Florida | 1 | $ 173,000 | $ 173,000 | $ 101,000 |
| Hillsborough, Florida | 1 | $ 374,000 | $ 374,000 | $ 155,000 |
| Indian River, Florida | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Lee, Florida | 1 | $ 94,000 | $ 94,000 | $ 108,000 |
| Levy, Florida | 1 | $ 417,000 | $ 417,000 | $ 54,000 |
| Manatee, Florida | 1 | $ 104,000 | $ 104,000 | $ 184,000 |
| Martin, Florida | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Orange, Florida | 1 | $ 322,000 | $ 322,000 | $ 77,000 |
| Volusia, Florida | 1 | $ 269,000 | $ 269,000 | $ 0 |
| Maui, Hawaii | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Clark, Nevada | 1 | $ 270,000 | $ 270,000 | $ 99,000 |
| Sandoval, New Mexico | 1 | $ 112,000 | $ 112,000 | $ 42,000 |
| Santa Fe, New Mexico | 1 | $ 573,000 | $ 573,000 | $ 125,000 |
| Clackamas, Oregon | 1 | $ 172,000 | $ 172,000 | $ 44,000 |
| Columbia, Oregon | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 160,000 | $ 160,000 | $ 68,000 |
| Lane, Oregon | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Linn, Oregon | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Marion, Oregon | 1 | $ 208,000 | $ 208,000 | $ 54,000 |
| Polk, Oregon | 1 | $ 302,000 | $ 302,000 | $ 107,000 |
| Bristol, Rhode Island | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Williamson, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 182,000 |
| Bee, Texas | 1 | $ 62,000 | $ 62,000 | $ 180,000 |
| El Paso, Texas | 1 | $ 92,000 | $ 92,000 | $ 153,000 |
| Fort Bend, Texas | 1 | $ 220,000 | $ 220,000 | $ 158,000 |
| Guadalupe, Texas | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Harris, Texas | 1 | $ 168,000 | $ 168,000 | $ 97,000 |
| Randall, Texas | 1 | $ 119,000 | $ 119,000 | $ 46,000 |
| Utah, Utah | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Benton, Washington | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Chelan, Washington | 1 | $ 330,000 | $ 330,000 | $ 255,000 |
| Island, Washington | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Kitsap, Washington | 1 | $ 140,000 | $ 140,000 | $ 112,000 |
| San Juan, Washington | 1 | $ 546,000 | $ 546,000 | $ 229,000 |
| Spokane, Washington | 1 | $ 222,000 | $ 222,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Lending Company in 2013
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 | 2,408 | $570,676,000 | $236,000 | $2,513,000 | $88,000 | $1,200,000 |
| Home Purchase | 1,929 | $453,482,000 | $235,000 | $2,000,000 | $88,000 | $1,300,000 |
| Home Improvement | 7 | $1,273,000 | $181,000 | $301,000 | $87,000 | $131,000 |
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 | 3,168 | $763,010,000 | $240,000 | $2,513,000 | $92,000 | $1,200,000 |
| Hispanic | 794 | $166,750,000 | $210,000 | $825,000 | $69,000 | $1,188,000 |
| Asian | 162 | $42,056,000 | $259,000 | $1,080,000 | $104,000 | $580,000 |
| Black or African American | 155 | $37,248,000 | $240,000 | $2,000,000 | $78,000 | $1,300,000 |
| Native Hawaiian or Other Pacific Islander | 33 | $8,709,000 | $263,000 | $506,000 | $80,000 | $227,000 |
| American Indian or Alaskan Native | 17 | $3,735,000 | $219,000 | $460,000 | $77,000 | $217,000 |
| Not Provided | 15 | $3,923,000 | $261,000 | $416,000 | $127,000 | $970,000 |
| 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) | 2,706 | $646,577,000 | $238,000 | $2,513,000 | $105,000 | $1,300,000 |
| FHA-insured (Federal Housing Administration) | 1,082 | $228,796,000 | $211,000 | $724,000 | $59,000 | $492,000 |
| VA-guaranteed (Veterans Administration) | 465 | $134,643,000 | $289,000 | $872,000 | $67,000 | $1,188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 91 | $15,415,000 | $169,000 | $367,000 | $56,000 | $222,000 |
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 | 2,437 | $562,986,000 | $231,000 | $1,470,000 | $85,000 | $631,000 |
| Application Withdrawn By Applicant | 1,817 | $443,901,000 | $244,000 | $2,513,000 | $93,000 | $1,300,000 |
| Application Denied By Financial Institution | 89 | $18,364,000 | $206,000 | $884,000 | $83,000 | $492,000 |
| File Closed For Incompleteness | 1 | $180,000 | $180,000 | $180,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 24 | $4,929,000 | $205,000 | $379,000 | $59,000 | $353,000 |
| Collateral | 18 | $3,567,000 | $198,000 | $375,000 | $92,000 | $227,000 |
| Credit History | 13 | $2,960,000 | $227,000 | $565,000 | $95,000 | $492,000 |
| Unverifiable Information | 13 | $2,642,000 | $203,000 | $546,000 | $81,000 | $295,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,463,000 | $182,000 | $488,000 | $91,000 | $240,000 |
| Employment History | 6 | $1,554,000 | $259,000 | $884,000 | $125,000 | $486,000 |
| Other | 5 | $819,000 | $163,000 | $193,000 | $91,000 | $275,000 |
| Credit Application Incomplete | 1 | $255,000 | $255,000 | $255,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Lending Company's 2013 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 Lending Company'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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