Cache Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Cache Bank & Trust of Greeley, CO reported 50 mortgage applications totaling $7.1 million. The average application was for $141,260, and applicants reported an average income of $173,960. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Greeley, CO (31), Fort Collins-Loveland, CO (13) and Denver, CO (3) (applications in parentheses).
| Mortgage Company & Address | Cache Bank & Trust Po Box 337060 Greeley, CO 80633 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 50 |
| Total Mortgage Loan Application Amount | $7,063,000 |
| Average Mortgage Loan Application Amount | $141,260 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $173,960 |
| Highest Applicant Income | $2,983,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cache Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Weld, Colorado | 31 | $ 3,389,000 | $ 109,322 | $ 68,000 |
| Larimer, Colorado | 13 | $ 2,526,000 | $ 194,307 | $ 312,000 |
| Stillwater, Montana | 2 | $ 387,000 | $ 193,500 | $ 637,000 |
| Adams, Colorado | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Douglas, Colorado | 1 | $ 574,000 | $ 574,000 | $ 610,000 |
| Jefferson, Colorado | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Clark, Nevada | 1 | $ 107,000 | $ 107,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Cache Bank & Trust in 2003
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 (home purchase or home improvement, one-to-four family) | 26 | $4,690,000 | $201,666 | $1,000,000 | $309,333 | $2,983,000 |
| Home Purchase (one-to-four family) | 13 | $1,185,000 | $91,000 | $185,000 | $78,000 | $324,000 |
| Home Improvement (one-to-four family) | 8 | $408,000 | $57,000 | $122,000 | $375,000 | $623,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $780,000 | $260,000 | $456,000 | $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 |
|---|---|---|---|---|---|---|
| White | 42 | $6,481,000 | $151,000 | $1,000,000 | $294,000 | $2,983,000 |
| Hispanic | 5 | $109,000 | $21,000 | $50,000 | $34,000 | $54,000 |
| Not applicable | 2 | $324,000 | $162,000 | $204,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 1 | $149,000 | $149,000 | $149,000 | $59,000 | $59,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 50 | $7,063,000 | $146,333 | $1,000,000 | $275,000 | $2,983,000 |
| 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 | 36 | $4,848,000 | $143,666 | $1,000,000 | $304,666 | $2,983,000 |
| Application Withdrawn By Applicant | 6 | $1,551,000 | $258,000 | $600,000 | $34,000 | $132,000 |
| Application Approved But Not Accepted | 4 | $515,000 | $128,000 | $265,000 | $65,000 | $185,000 |
| Application Denied By Financial Institution | 4 | $149,000 | $37,000 | $130,000 | $33,000 | $54,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $132,000 | $66,000 | $130,000 | $32,000 | $38,000 |
| Debt-To-Income Ratio | 2 | $17,000 | $8,000 | $15,000 | $35,000 | $54,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cache Bank & Trust's 2003 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 Cache Bank & Trust'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 Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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