Cache Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Cache Bank & Trust of Greeley, CO reported 38 mortgage applications totaling $7.7 million, down 7% from 2011. The average application was for $203,815, and applicants reported an average income of $103,289. 42% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Greeley, CO (21), Denver-Aurora-Broomfield, CO (9) and Fort Collins-Loveland, CO (6) (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 | 38 |
| Total Mortgage Loan Application Amount | $7,745,000 |
| Average Mortgage Loan Application Amount | $203,815 |
| Highest Mortgage Loan Application Amount | $1,320,000 |
| Average Applicant Income | $103,289 |
| Highest Applicant Income | $633,000 |
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Act (HMDA) records Cache Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 21 | $ 3,601,000 | $ 171,476 | $ 59,000 |
| Larimer, Colorado | 6 | $ 2,180,000 | $ 363,333 | $ 97,000 |
| Denver, Colorado | 3 | $ 372,000 | $ 124,000 | $ 241,000 |
| Adams, Colorado | 2 | $ 175,000 | $ 87,500 | $ 135,000 |
| Arapahoe, Colorado | 2 | $ 481,000 | $ 240,500 | $ 107,000 |
| Douglas, Colorado | 2 | $ 620,000 | $ 310,000 | $ 94,000 |
| Grand, Colorado | 1 | $ 225,000 | $ 225,000 | $ 633,000 |
| Tarrant, Texas | 1 | $ 91,000 | $ 91,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Cache Bank & Trust 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 | 24 | $5,659,000 | $235,000 | $1,320,000 | $85,000 | $232,000 |
| Home Purchase | 11 | $1,843,000 | $167,000 | $385,000 | $92,000 | $427,000 |
| Home Improvement | 3 | $243,000 | $81,000 | $225,000 | $291,000 | $633,000 |
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 | 32 | $6,871,000 | $214,000 | $1,320,000 | $120,000 | $633,000 |
| Not applicable | 3 | $377,000 | $125,000 | $150,000 | $0 | $0 |
| Hispanic | 2 | $361,000 | $180,000 | $211,000 | $43,000 | $56,000 |
| Asian | 1 | $136,000 | $136,000 | $136,000 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 38 | $7,745,000 | $203,000 | $1,320,000 | $103,000 | $633,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 18 | $3,726,000 | $207,000 | $367,000 | $79,000 | $164,000 |
| Loan Originated | 16 | $3,131,000 | $195,000 | $1,320,000 | $139,000 | $633,000 |
| Application Denied By Financial Institution | 3 | $503,000 | $167,000 | $211,000 | $66,000 | $89,000 |
| Application Approved But Not Accepted | 1 | $385,000 | $385,000 | $385,000 | $91,000 | $91,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $412,000 | $206,000 | $211,000 | $55,000 | $56,000 |
| Debt-To-Income Ratio | 1 | $91,000 | $91,000 | $91,000 | $89,000 | $89,000 |
| 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 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 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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