Cache Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Cache Bank & Trust of Greeley, CO reported 52 mortgage applications totaling $9.8 million, up 37% from 2012. The average application was for $189,019, and applicants reported an average income of $111,230. 29% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Greeley, CO (27), Denver-Aurora-Broomfield, CO (10) and Fort Collins-Loveland, CO (8) (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 | 52 |
| Total Mortgage Loan Application Amount | $9,829,000 |
| Average Mortgage Loan Application Amount | $189,019 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $111,230 |
| Highest Applicant Income | $2,273,000 |
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Act (HMDA) records Cache Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cache Bank & Trust in 2013
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 | 38 | $7,521,000 | $197,000 | $417,000 | $130,000 | $2,273,000 |
| Home Purchase | 10 | $2,074,000 | $207,000 | $395,000 | $74,000 | $153,000 |
| Home Improvement | 4 | $234,000 | $58,000 | $109,000 | $26,000 | $71,000 |
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 | 45 | $8,370,000 | $186,000 | $417,000 | $128,000 | $2,273,000 |
| Not applicable | 6 | $1,279,000 | $213,000 | $414,000 | $0 | $0 |
| Asian | 1 | $180,000 | $180,000 | $180,000 | $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 |
| 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) | 52 | $9,829,000 | $189,000 | $417,000 | $111,000 | $2,273,000 |
| 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 | 23 | $4,386,000 | $190,000 | $417,000 | $81,000 | $226,000 |
| Loan Originated | 15 | $2,980,000 | $198,000 | $414,000 | $213,000 | $2,273,000 |
| Application Denied By Financial Institution | 13 | $2,428,000 | $186,000 | $395,000 | $50,000 | $153,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $55,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $1,909,000 | $212,000 | $395,000 | $52,000 | $153,000 |
| Credit History | 4 | $519,000 | $129,000 | $201,000 | $46,000 | $78,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cache Bank & Trust's 2013 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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