Western Alliance Bank Mortgage Lending & HMDA Data, 2017
In 2017, Western Alliance Bank of Phoenix, AZ reported 489 mortgage applications totaling $295.7 million, up 702% from 2016. The average application was for $604,658, and applicants reported an average income of $1,321. 14% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (78), Oakland-Hayward-Berkeley, CA (35) and San Francisco-Redwood City-South San Francisco, CA (28) (applications in parentheses).
| Mortgage Company & Address | Western Alliance Bank 2901 N Central Avenue Phoenix, AZ 85012 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 489 |
| Total Mortgage Loan Application Amount | $295,678,000 |
| Average Mortgage Loan Application Amount | $604,658 |
| Highest Mortgage Loan Application Amount | $6,900,000 |
| Average Applicant Income | $1,321 |
| Highest Applicant Income | $711,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Western Alliance Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 78 | $ 79,022,000 | $ 1,013,102 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 35 | $ 15,962,000 | $ 456,057 | $ 20,000 |
| San Francisco-Redwood City-South San Francisco, CA | 28 | $ 22,933,000 | $ 819,035 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 27 | $ 11,491,000 | $ 425,592 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 27 | $ 18,121,000 | $ 671,148 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 18 | $ 6,519,000 | $ 362,166 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 5,595,000 | $ 373,000 | $ 0 |
| San Diego-Carlsbad, CA | 15 | $ 14,955,000 | $ 997,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 14 | $ 12,403,000 | $ 885,928 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 9,110,000 | $ 759,166 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 3,212,000 | $ 321,200 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 10 | $ 4,244,000 | $ 424,400 | $ 0 |
| Bakersfield, CA | 9 | $ 4,126,000 | $ 458,444 | $ 0 |
| Dallas-Plano-Irving, TX | 9 | $ 4,220,000 | $ 468,888 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 5,203,000 | $ 578,111 | $ 0 |
| Denver-Aurora-Lakewood, CO | 7 | $ 3,097,000 | $ 442,428 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 5,873,000 | $ 839,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 7 | $ 3,217,000 | $ 459,571 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 1,817,000 | $ 302,833 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 2,223,000 | $ 444,600 | $ 0 |
| Austin-Round Rock, TX | 4 | $ 1,521,000 | $ 380,250 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,173,000 | $ 293,250 | $ 0 |
| Newark, NJ-PA | 4 | $ 2,562,000 | $ 640,500 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 3,469,000 | $ 867,250 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,240,000 | $ 310,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 761,000 | $ 190,250 | $ 0 |
| Colorado Springs, CO | 3 | $ 799,000 | $ 266,333 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 2,774,000 | $ 924,666 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,833,000 | $ 611,000 | $ 0 |
| Salt Lake City, UT | 3 | $ 732,000 | $ 244,000 | $ 0 |
| Stockton-Lodi, CA | 3 | $ 1,126,000 | $ 375,333 | $ 0 |
| Baltimore-Columbia-Towson, MD | 2 | $ 1,469,000 | $ 734,500 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 1,121,000 | $ 560,500 | $ 0 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,052,000 | $ 526,000 | $ 0 |
| Flagstaff, AZ | 2 | $ 1,296,000 | $ 648,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 397,000 | $ 198,500 | $ 0 |
| Fresno, CA | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Longview, WA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,041,000 | $ 520,500 | $ 0 |
| New Orleans-Metairie, LA | 2 | $ 911,000 | $ 455,500 | $ 0 |
| Philadelphia, PA | 2 | $ 908,000 | $ 454,000 | $ 0 |
| Raleigh, NC | 2 | $ 418,000 | $ 209,000 | $ 0 |
| Salinas, CA | 2 | $ 999,000 | $ 499,500 | $ 0 |
| Salisbury, MD-DE | 2 | $ 1,782,000 | $ 891,000 | $ 0 |
| San Antonio-New Braunfels, TX | 2 | $ 1,082,000 | $ 541,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,122,000 | $ 561,000 | $ 0 |
| Santa Rosa, CA | 2 | $ 1,298,000 | $ 649,000 | $ 0 |
| St. Louis, MO-IL | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Tacoma-Lakewood, WA | 2 | $ 868,000 | $ 434,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 857,000 | $ 428,500 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,327,000 | $ 663,500 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 984,000 | $ 984,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Boise City, ID | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Boulder, CO | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Camden, NJ | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 564,000 | $ 564,000 | $ 0 |
| Chico, CA | 1 | $ 490,000 | $ 490,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 627,000 | $ 627,000 | $ 0 |
| Columbus, OH | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Dutchess County-Putnam County, NY | 1 | $ 267,000 | $ 267,000 | $ 0 |
| Elgin, IL | 1 | $ 566,000 | $ 566,000 | $ 0 |
| Gary, IN | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Grand Junction, CO | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 621,000 | $ 621,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Napa, CA | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 421,000 | $ 421,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 269,000 | $ 269,000 | $ 0 |
| Ocala, FL | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 776,000 | $ 776,000 | $ 0 |
| Prescott, AZ | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Redding, CA | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Reno, NV | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Richmond, VA | 1 | $ 341,000 | $ 341,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 247,000 | $ 247,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 865,000 | $ 865,000 | $ 0 |
| San Rafael, CA | 1 | $ 778,000 | $ 778,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Spartanburg, SC | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Trenton, NJ | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Tulsa, OK | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 696,000 | $ 696,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 531,000 | $ 531,000 | $ 0 |
Mortgage Loan Application Detail Totals for Western Alliance Bank in 2017
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 | 323 | $210,730,000 | $652,000 | $6,900,000 | $2,000 | $711,000 |
| Refinancing | 158 | $81,410,000 | $515,000 | $2,482,000 | $0 | $0 |
| Home Improvement | 8 | $3,538,000 | $442,000 | $767,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 488 | $295,188,000 | $604,000 | $6,900,000 | $0 | $0 |
| White | 1 | $490,000 | $490,000 | $490,000 | $711,000 | $711,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 471 | $290,335,000 | $616,000 | $6,900,000 | $1,000 | $711,000 |
| FHA-insured (Federal Housing Administration) | 11 | $3,377,000 | $307,000 | $801,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 7 | $1,966,000 | $280,000 | $754,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 Purchased By The Institution | 420 | $206,446,000 | $491,000 | $2,482,000 | $0 | $0 |
| Loan Originated | 68 | $87,667,000 | $1,289,000 | $6,900,000 | $10,000 | $711,000 |
| Application Denied By Financial Institution | 1 | $1,565,000 | $1,565,000 | $1,565,000 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 1 | $1,565,000 | $1,565,000 | $1,565,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Western Alliance Bank's 2017 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 Western Alliance Bank'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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