Catalyst Lending, Inc. Mortgage Lending & HMDA Data, 2012
In 2012, Catalyst Lending, Inc. of Greenwood Village, CO reported 3,392 mortgage applications totaling $894.5 million, up 141% from 2011. The average application was for $263,718, and applicants reported an average income of $94,957. 63% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (740), Riverside-San Bernardino-Ontario, CA (598) and Kansas City, MO-KS (445) (applications in parentheses).
| Mortgage Company & Address | Catalyst Lending, Inc. 6530 S Yosemite Street, Suite 310 Greenwood Village, CO 80111 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 3,392 |
| Total Mortgage Loan Application Amount | $894,534,000 |
| Average Mortgage Loan Application Amount | $263,718 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $94,957 |
| Highest Applicant Income | $1,209,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Catalyst Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Denver-Aurora-Broomfield, CO | 740 | $ 179,396,000 | $ 242,427 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 598 | $ 139,567,000 | $ 233,389 | $ 70,000 |
| Kansas City, MO-KS | 445 | $ 84,013,000 | $ 188,793 | $ 92,089 |
| Los Angeles-Long Beach-Glendale, CA | 432 | $ 145,827,000 | $ 337,562 | $ 106,000 |
| Santa Ana-Anaheim-Irvine, CA | 385 | $ 138,525,000 | $ 359,805 | $ 123,000 |
| Las Vegas-Paradise, NV | 133 | $ 24,174,000 | $ 181,759 | $ 50,000 |
| San Diego-Carlsbad-San Marcos, CA | 104 | $ 34,368,000 | $ 330,461 | $ 99,000 |
| Phoenix-Mesa-Glendale, AZ | 70 | $ 13,485,000 | $ 192,642 | $ 114,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 42 | $ 11,584,000 | $ 275,809 | $ 48,000 |
| Oakland-Fremont-Hayward, CA | 39 | $ 13,057,000 | $ 334,794 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 34 | $ 14,571,000 | $ 428,558 | $ 153,000 |
| Albuquerque, NM | 30 | $ 5,168,000 | $ 172,266 | $ 95,000 |
| Colorado Springs, CO | 26 | $ 6,666,000 | $ 256,384 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 26 | $ 10,156,000 | $ 390,615 | $ 93,000 |
| Boulder, CO | 25 | $ 7,919,000 | $ 316,760 | $ 134,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 22 | $ 8,897,000 | $ 404,409 | $ 99,000 |
| Fresno, CA | 19 | $ 3,189,000 | $ 167,842 | $ 92,000 |
| Stockton, CA | 17 | $ 4,105,000 | $ 241,470 | $ 38,000 |
| Bakersfield-Delano, CA | 14 | $ 3,425,000 | $ 244,642 | $ 39,000 |
| Modesto, CA | 14 | $ 2,903,000 | $ 207,357 | $ 40,000 |
| Vallejo-Fairfield, CA | 14 | $ 4,922,000 | $ 351,571 | $ 67,000 |
| Pueblo, CO | 12 | $ 2,066,000 | $ 172,166 | $ 52,000 |
| Santa Rosa-Petaluma, CA | 12 | $ 4,211,000 | $ 350,916 | $ 93,000 |
| Merced, CA | 9 | $ 2,308,000 | $ 256,444 | $ 89,000 |
| Greeley, CO | 8 | $ 1,660,000 | $ 207,500 | $ 126,000 |
| Reno-Sparks, NV | 6 | $ 1,126,000 | $ 187,666 | $ 62,000 |
| Salinas, CA | 5 | $ 1,736,000 | $ 347,200 | $ 39,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 1,196,000 | $ 239,200 | $ 33,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 2,215,000 | $ 443,000 | $ 218,000 |
| Columbia, MO | 4 | $ 428,000 | $ 107,000 | $ 69,000 |
| Fort Collins-Loveland, CO | 4 | $ 809,000 | $ 202,250 | $ 98,000 |
| Chico, CA | 3 | $ 948,000 | $ 316,000 | $ 0 |
| Wichita, KS | 3 | $ 394,000 | $ 131,333 | $ 65,000 |
| El Centro, CA | 2 | $ 441,000 | $ 220,500 | $ 0 |
| Madera-Chowchilla, CA | 2 | $ 580,000 | $ 290,000 | $ 48,000 |
| Napa, CA | 2 | $ 1,053,000 | $ 526,500 | $ 85,000 |
| Springfield, MO | 2 | $ 243,000 | $ 121,500 | $ 121,000 |
| Tucson, AZ | 2 | $ 749,000 | $ 374,500 | $ 108,000 |
| Visalia-Porterville, CA | 2 | $ 365,000 | $ 182,500 | $ 0 |
| Yuba City, CA | 2 | $ 193,000 | $ 96,500 | $ 59,000 |
| Hanford-Corcoran, CA | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 171,000 | $ 171,000 | $ 204,000 |
| Las Cruces, NM | 1 | $ 228,000 | $ 228,000 | $ 126,000 |
| Lawrence, KS | 1 | $ 253,000 | $ 253,000 | $ 70,000 |
| Prescott, AZ | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Redding, CA | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Santa Fe, NM | 1 | $ 135,000 | $ 135,000 | $ 142,000 |
| St. Joseph, MO-KS | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| St. Louis, MO-IL | 1 | $ 262,000 | $ 262,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Catalyst Lending, Inc. 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 | 2,309 | $635,686,000 | $275,000 | $1,300,000 | $94,000 | $873,000 |
| Home Purchase | 1,083 | $258,848,000 | $239,000 | $1,268,000 | $97,000 | $1,209,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 2,408 | $632,195,000 | $262,000 | $1,300,000 | $101,000 | $1,209,000 |
| Hispanic | 473 | $113,075,000 | $239,000 | $719,000 | $66,000 | $612,000 |
| Asian | 228 | $68,115,000 | $298,000 | $1,000,000 | $99,000 | $651,000 |
| Not Provided | 169 | $51,259,000 | $303,000 | $960,000 | $111,000 | $542,000 |
| Black or African American | 74 | $18,349,000 | $247,000 | $529,000 | $58,000 | $258,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $5,706,000 | $271,000 | $430,000 | $82,000 | $337,000 |
| Not applicable | 14 | $4,320,000 | $308,000 | $417,000 | $109,000 | $303,000 |
| American Indian or Alaskan Native | 5 | $1,515,000 | $303,000 | $378,000 | $82,000 | $196,000 |
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) | 2,143 | $576,832,000 | $269,000 | $1,300,000 | $123,000 | $1,209,000 |
| FHA-insured (Federal Housing Administration) | 1,077 | $269,484,000 | $250,000 | $743,000 | $46,000 | $524,000 |
| VA-guaranteed (Veterans Administration) | 156 | $45,616,000 | $292,000 | $1,008,000 | $67,000 | $298,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,602,000 | $162,000 | $368,000 | $50,000 | $100,000 |
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 | 2,132 | $560,123,000 | $262,000 | $1,008,000 | $94,000 | $1,209,000 |
| File Closed For Incompleteness | 561 | $145,285,000 | $258,000 | $1,268,000 | $98,000 | $873,000 |
| Application Withdrawn By Applicant | 534 | $146,041,000 | $273,000 | $1,300,000 | $98,000 | $916,000 |
| Application Approved But Not Accepted | 98 | $27,615,000 | $281,000 | $999,000 | $109,000 | $562,000 |
| Application Denied By Financial Institution | 67 | $15,470,000 | $230,000 | $558,000 | $86,000 | $589,000 |
| 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 | 19 | $4,788,000 | $252,000 | $417,000 | $72,000 | $285,000 |
| Credit History | 15 | $3,370,000 | $224,000 | $558,000 | $68,000 | $114,000 |
| Collateral | 12 | $2,756,000 | $229,000 | $480,000 | $133,000 | $589,000 |
| Other | 11 | $2,856,000 | $259,000 | $417,000 | $83,000 | $188,000 |
| Employment History | 4 | $609,000 | $152,000 | $250,000 | $76,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $853,000 | $213,000 | $247,000 | $106,000 | $192,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Catalyst Lending, Inc.'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 Catalyst Lending, Inc.'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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