The Lending Company Mortgage Lending & HMDA Data, 2012
In 2012, The Lending Company of Phoenix, AZ reported 4,094 mortgage applications totaling $897.0 million, up 80% from 2011. The average application was for $219,095, and applicants reported an average income of $75,363. 64% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (2,412), San Diego-Carlsbad-San Marcos, CA (486) and Los Angeles-Long Beach-Glendale, CA (191) (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 | 4,094 |
| Total Mortgage Loan Application Amount | $896,977,000 |
| Average Mortgage Loan Application Amount | $219,095 |
| Highest Mortgage Loan Application Amount | $1,666,000 |
| Average Applicant Income | $75,363 |
| Highest Applicant Income | $1,533,000 |
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Act (HMDA) records The Lending Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 2,412 | $ 447,153,000 | $ 185,386 | $ 70,000 |
| San Diego-Carlsbad-San Marcos, CA | 486 | $ 157,278,000 | $ 323,617 | $ 91,000 |
| Los Angeles-Long Beach-Glendale, CA | 191 | $ 62,252,000 | $ 325,926 | $ 95,000 |
| Riverside-San Bernardino-Ontario, CA | 157 | $ 33,681,000 | $ 214,528 | $ 60,000 |
| Tucson, AZ | 124 | $ 22,057,000 | $ 177,879 | $ 65,000 |
| Santa Ana-Anaheim-Irvine, CA | 101 | $ 36,172,000 | $ 358,138 | $ 120,000 |
| Prescott, AZ | 70 | $ 14,963,000 | $ 213,757 | $ 80,000 |
| Bridgeport-Stamford-Norwalk, CT | 64 | $ 18,595,000 | $ 290,546 | $ 89,000 |
| Lake Havasu City-Kingman, AZ | 48 | $ 6,550,000 | $ 136,458 | $ 93,000 |
| Denver-Aurora-Broomfield, CO | 41 | $ 8,190,000 | $ 199,756 | $ 86,000 |
| Hartford-West Hartford-East Hartford, CT | 36 | $ 7,948,000 | $ 220,777 | $ 56,000 |
| New Haven-Milford, CT | 31 | $ 6,108,000 | $ 197,032 | $ 55,000 |
| Flagstaff, AZ | 26 | $ 6,370,000 | $ 245,000 | $ 74,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 5,634,000 | $ 268,285 | $ 81,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 16 | $ 3,298,000 | $ 206,125 | $ 81,000 |
| Farmington, NM | 14 | $ 2,831,000 | $ 202,214 | $ 82,000 |
| Oakland-Fremont-Hayward, CA | 14 | $ 3,739,000 | $ 267,071 | $ 72,000 |
| Bakersfield-Delano, CA | 13 | $ 2,234,000 | $ 171,846 | $ 40,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 2,410,000 | $ 241,000 | $ 21,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 2,723,000 | $ 302,555 | $ 76,000 |
| Tacoma, WA | 8 | $ 2,228,000 | $ 278,500 | $ 66,000 |
| Colorado Springs, CO | 7 | $ 1,537,000 | $ 219,571 | $ 62,000 |
| Vallejo-Fairfield, CA | 7 | $ 2,018,000 | $ 288,285 | $ 49,000 |
| Yuma, AZ | 7 | $ 1,034,000 | $ 147,714 | $ 58,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 1,990,000 | $ 331,666 | $ 115,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 995,000 | $ 165,833 | $ 58,000 |
| Greeley, CO | 5 | $ 918,000 | $ 183,600 | $ 50,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,424,000 | $ 484,800 | $ 160,000 |
| El Centro, CA | 4 | $ 813,000 | $ 203,250 | $ 24,000 |
| Fort Collins-Loveland, CO | 4 | $ 668,000 | $ 167,000 | $ 48,000 |
| Norwich-New London, CT | 4 | $ 900,000 | $ 225,000 | $ 47,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 613,000 | $ 204,333 | $ 132,000 |
| Dallas-Plano-Irving, TX | 3 | $ 576,000 | $ 192,000 | $ 114,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 560,000 | $ 186,666 | $ 0 |
| Jacksonville, FL | 3 | $ 645,000 | $ 215,000 | $ 14,000 |
| Memphis, TN-MS-AR | 3 | $ 797,000 | $ 265,666 | $ 0 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,312,000 | $ 437,333 | $ 113,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 516,000 | $ 172,000 | $ 83,000 |
| Albuquerque, NM | 2 | $ 562,000 | $ 281,000 | $ 92,000 |
| El Paso, TX | 2 | $ 151,000 | $ 75,500 | $ 76,000 |
| Fresno, CA | 2 | $ 513,000 | $ 256,500 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 515,000 | $ 257,500 | $ 149,000 |
| Kennewick-Pasco-Richland, WA | 2 | $ 564,000 | $ 282,000 | $ 57,000 |
| Merced, CA | 2 | $ 338,000 | $ 169,000 | $ 16,000 |
| Olympia, WA | 2 | $ 762,000 | $ 381,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 239,000 | $ 119,500 | $ 79,000 |
| Salem, OR | 2 | $ 419,000 | $ 209,500 | $ 69,000 |
| Salinas, CA | 2 | $ 865,000 | $ 432,500 | $ 269,000 |
| San Antonio-New Braunfels, TX | 2 | $ 296,000 | $ 148,000 | $ 107,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 668,000 | $ 334,000 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 805,000 | $ 402,500 | $ 179,000 |
| Santa Fe, NM | 2 | $ 682,000 | $ 341,000 | $ 178,000 |
| St. George, UT | 2 | $ 498,000 | $ 249,000 | $ 133,000 |
| Stockton, CA | 2 | $ 590,000 | $ 295,000 | $ 104,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 437,000 | $ 218,500 | $ 137,000 |
| Bellingham, WA | 1 | $ 251,000 | $ 251,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 241,000 | $ 241,000 | $ 51,000 |
| Chico, CA | 1 | $ 268,000 | $ 268,000 | $ 187,000 |
| Clarksville, TN-KY | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 171,000 | $ 171,000 | $ 91,000 |
| Longview, TX | 1 | $ 83,000 | $ 83,000 | $ 296,000 |
| Longview, WA | 1 | $ 218,000 | $ 218,000 | $ 70,000 |
| Napa, CA | 1 | $ 202,000 | $ 202,000 | $ 56,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 417,000 | $ 417,000 | $ 443,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 616,000 | $ 616,000 | $ 229,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 267,000 | $ 267,000 | $ 133,000 |
| Ocala, FL | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Provo-Orem, UT | 1 | $ 148,000 | $ 148,000 | $ 308,000 |
| Salt Lake City, UT | 1 | $ 198,000 | $ 198,000 | $ 115,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 327,000 | $ 327,000 | $ 154,000 |
| Yakima, WA | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Yuba City, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Lending Company in 2012
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 | 2,264 | $528,855,000 | $233,000 | $1,666,000 | $70,000 | $889,000 |
| Home Purchase | 1,830 | $368,122,000 | $201,000 | $1,470,000 | $82,000 | $1,533,000 |
| 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 | 2,942 | $650,823,000 | $221,000 | $1,666,000 | $79,000 | $1,533,000 |
| Hispanic | 645 | $129,254,000 | $200,000 | $800,000 | $59,000 | $792,000 |
| Black or African American | 202 | $45,213,000 | $223,000 | $694,000 | $66,000 | $409,000 |
| Asian | 152 | $34,565,000 | $227,000 | $757,000 | $90,000 | $693,000 |
| Not Provided | 95 | $23,959,000 | $252,000 | $710,000 | $83,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $8,278,000 | $229,000 | $546,000 | $97,000 | $311,000 |
| American Indian or Alaskan Native | 22 | $4,885,000 | $222,000 | $390,000 | $97,000 | $455,000 |
| 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) | 2,017 | $466,892,000 | $231,000 | $1,666,000 | $106,000 | $1,533,000 |
| FHA-insured (Federal Housing Administration) | 1,548 | $306,630,000 | $198,000 | $743,000 | $48,000 | $880,000 |
| VA-guaranteed (Veterans Administration) | 455 | $112,701,000 | $247,000 | $757,000 | $43,000 | $347,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 74 | $10,754,000 | $145,000 | $339,000 | $45,000 | $90,000 |
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 | 2,603 | $549,164,000 | $210,000 | $1,470,000 | $71,000 | $1,533,000 |
| Application Withdrawn By Applicant | 1,229 | $290,370,000 | $236,000 | $1,666,000 | $86,000 | $889,000 |
| Application Denied By Financial Institution | 256 | $55,214,000 | $215,000 | $715,000 | $75,000 | $463,000 |
| Application Approved But Not Accepted | 5 | $1,977,000 | $395,000 | $546,000 | $107,000 | $166,000 |
| File Closed For Incompleteness | 1 | $252,000 | $252,000 | $252,000 | $104,000 | $104,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 41 | $8,160,000 | $199,000 | $417,000 | $80,000 | $220,000 |
| Other | 40 | $8,068,000 | $201,000 | $497,000 | $71,000 | $239,000 |
| Credit History | 24 | $4,407,000 | $183,000 | $366,000 | $89,000 | $421,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,206,000 | $169,000 | $347,000 | $56,000 | $140,000 |
| Debt-To-Income Ratio | 12 | $2,846,000 | $237,000 | $400,000 | $73,000 | $144,000 |
| Unverifiable Information | 6 | $1,151,000 | $191,000 | $319,000 | $61,000 | $97,000 |
| Employment History | 5 | $1,690,000 | $338,000 | $715,000 | $155,000 | $324,000 |
| Mortgage Insurance Denied | 4 | $1,106,000 | $276,000 | $409,000 | $106,000 | $126,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Lending Company's 2012 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.
For a list of all lenders in Arizona, download the full spreadsheet
with aggregated HMDA statistics today.
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