Prescott Valley-Prescott, AZ Metro Area Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 20,038 mortgage applications in Prescott Valley-Prescott, AZ metro area totaling $4.8 billion. The average application was for $237,983, and applicants reported an average income of $94,000. 54% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank NA, with 1,028 applications, followed by JPMorgan Chase Bank, NA and Oneaz Credit Union.
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| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 20,038 |
| Total Mortgage Loan Application Amount | $4,768,710,000 |
| Average Mortgage Loan Application Amount | $237,983 |
| Highest Mortgage Loan Application Amount | $15,755,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $6,500,000 |
Top Mortgage Lenders in Prescott Valley-Prescott, AZ Metro Area (2019)
Ranked by the number of mortgage applications each lender reported in Prescott Valley-Prescott, AZ metro area in 2019.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
1,028 | $220,350,000 | $214,000 | $101,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
891 | $202,485,000 | $227,000 | $114,000 |
| 3 | Oneaz Credit Union Phoenix, AZ |
863 | $135,665,000 | $157,000 | $85,000 |
| 4 | Fairway Independent Mort Corp Madison, WI |
754 | $205,190,000 | $272,000 | $105,000 |
| 5 | Guild Mortgage Company San Diego, CA |
720 | $177,270,000 | $246,000 | $86,000 |
| 6 | Zions Bancorporation, N.A. Denver, CO |
539 | $109,165,000 | $202,000 | $108,000 |
| 7 | Wallick and Volk, Inc. Cheyenne, WY |
469 | $109,165,000 | $232,000 | $81,000 |
| 8 | US Bank, N.A. Cincinnati, OH |
464 | $126,610,000 | $272,000 | $156,000 |
| 9 | Bank of America NA Westlake Village, CA |
437 | $83,755,000 | $191,000 | $95,000 |
| 10 | Primelending Dallas, TX |
394 | $103,640,000 | $263,000 | $94,000 |
See every lender active in Prescott Valley-Prescott, AZ metro area in 2019 »
The tables below break down 2019 mortgage applications in Prescott Valley-Prescott, AZ metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Prescott Valley-Prescott, AZ in 2019
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 | 8,716 | $2,274,110,000 | $260,000 | $4,585,000 | $104,000 | $2,926,000 |
| Refinancing | 4,796 | $1,223,270,000 | $255,000 | $15,755,000 | $89,000 | $6,000,000 |
| Cash-out Refinancing | 4,143 | $987,895,000 | $238,000 | $4,375,000 | $80,000 | $2,420,000 |
| Other Purpose | 1,200 | $151,070,000 | $125,000 | $1,925,000 | $95,000 | $2,658,000 |
| Home Improvement | 1,082 | $111,310,000 | $102,000 | $1,005,000 | $92,000 | $6,500,000 |
| Not Applicable | 101 | $21,055,000 | $208,000 | $735,000 | $83,000 | $200,000 |
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 | 14,321 | $3,351,935,000 | $234,000 | $4,375,000 | $94,000 | $6,500,000 |
| Not Provided | 2,776 | $691,270,000 | $249,000 | $3,405,000 | $100,000 | $2,420,000 |
| Not applicable | 1,495 | $405,855,000 | $271,000 | $15,755,000 | $89,000 | $484,000 |
| Hispanic | 1,015 | $215,315,000 | $212,000 | $805,000 | $79,000 | $569,000 |
| Asian | 144 | $34,050,000 | $236,000 | $845,000 | $100,000 | $494,000 |
| American Indian or Alaskan Native | 115 | $27,425,000 | $238,000 | $755,000 | $101,000 | $923,000 |
| Black or African American | 100 | $25,940,000 | $259,000 | $805,000 | $102,000 | $531,000 |
| Native Hawaiian or Other Pacific Islander | 35 | $7,865,000 | $224,000 | $405,000 | $62,000 | $153,000 |
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) | 14,182 | $3,374,360,000 | $237,000 | $15,755,000 | $105,000 | $6,500,000 |
| VA-guaranteed (Veterans Administration) | 3,131 | $853,205,000 | $272,000 | $1,285,000 | $64,000 | $862,000 |
| FHA-insured (Federal Housing Administration) | 2,586 | $513,290,000 | $198,000 | $665,000 | $55,000 | $441,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 139 | $27,855,000 | $200,000 | $305,000 | $56,000 | $86,000 |
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 | 10,883 | $2,675,785,000 | $245,000 | $15,755,000 | $97,000 | $4,073,000 |
| Application Withdrawn By Applicant | 2,968 | $724,180,000 | $243,000 | $3,405,000 | $99,000 | $6,500,000 |
| Loan Purchased By The Institution | 2,512 | $635,560,000 | $253,000 | $1,365,000 | $96,000 | $983,000 |
| Application Denied By Financial Institution | 2,405 | $447,635,000 | $186,000 | $2,405,000 | $76,000 | $1,354,000 |
| File Closed For Incompleteness | 779 | $167,745,000 | $215,000 | $1,205,000 | $94,000 | $6,000,000 |
| Application Approved But Not Accepted | 482 | $115,290,000 | $239,000 | $1,805,000 | $97,000 | $1,508,000 |
| Preapproval Approved but not Accepted | 7 | $1,615,000 | $230,000 | $415,000 | $75,000 | $170,000 |
| Preapproval Denied by Financial Institution | 2 | $900,000 | $450,000 | $455,000 | $251,000 | $360,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 17,267 | $4,225,525,000 | $244,000 | $15,755,000 | $96,000 | $6,500,000 |
| Debt-To-Income Ratio | 1,114 | $240,290,000 | $215,000 | $1,575,000 | $78,000 | $1,225,000 |
| Credit History | 547 | $81,645,000 | $149,000 | $2,405,000 | $72,000 | $684,000 |
| Collateral | 419 | $75,245,000 | $179,000 | $2,125,000 | $93,000 | $1,100,000 |
| Other | 254 | $49,850,000 | $196,000 | $1,505,000 | $88,000 | $1,354,000 |
| Credit Application Incomplete | 249 | $58,285,000 | $234,000 | $915,000 | $87,000 | $765,000 |
| Unverifiable Information | 105 | $19,895,000 | $189,000 | $1,725,000 | $79,000 | $522,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 52 | $11,680,000 | $224,000 | $805,000 | $82,000 | $289,000 |
| Employment History | 31 | $6,295,000 | $203,000 | $485,000 | $82,000 | $478,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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