Catalyst Lending, Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Catalyst Lending, Inc. of Greenwood Village, CO reported 2,094 mortgage applications totaling $575.6 million, up 56% from 2015. The average application was for $274,901, and applicants reported an average income of $93,475. 68% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (699), Ogden-Clearfield, UT (198) and Kansas City, MO-KS (196) (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 | 2,094 |
| Total Mortgage Loan Application Amount | $575,644,000 |
| Average Mortgage Loan Application Amount | $274,901 |
| Highest Mortgage Loan Application Amount | $2,216,000 |
| Average Applicant Income | $93,475 |
| Highest Applicant Income | $1,101,000 |
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(HMDA) records Catalyst Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Lakewood, CO | 699 | $ 196,868,000 | $ 281,642 | $ 91,000 |
| Ogden-Clearfield, UT | 198 | $ 41,958,000 | $ 211,909 | $ 71,000 |
| Kansas City, MO-KS | 196 | $ 33,139,000 | $ 169,076 | $ 80,561 |
| Anaheim-Santa Ana-Irvine, CA | 150 | $ 72,807,000 | $ 485,380 | $ 147,000 |
| Provo-Orem, UT | 113 | $ 25,706,000 | $ 227,486 | $ 74,000 |
| Riverside-San Bernardino-Ontario, CA | 81 | $ 22,716,000 | $ 280,444 | $ 112,000 |
| Los Angeles-Long Beach-Glendale, CA | 80 | $ 33,561,000 | $ 419,512 | $ 119,000 |
| Salt Lake City, UT | 63 | $ 16,214,000 | $ 257,365 | $ 78,000 |
| Las Vegas-Henderson-Paradise, NV | 49 | $ 11,574,000 | $ 236,204 | $ 83,000 |
| San Diego-Carlsbad, CA | 42 | $ 16,478,000 | $ 392,333 | $ 101,000 |
| Colorado Springs, CO | 37 | $ 8,618,000 | $ 232,918 | $ 77,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 31 | $ 9,730,000 | $ 313,870 | $ 129,000 |
| Greeley, CO | 24 | $ 6,957,000 | $ 289,875 | $ 77,000 |
| Pueblo, CO | 19 | $ 2,964,000 | $ 156,000 | $ 67,000 |
| Boulder, CO | 16 | $ 5,339,000 | $ 333,687 | $ 101,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 5,940,000 | $ 424,285 | $ 230,000 |
| St. George, UT | 12 | $ 1,914,000 | $ 159,500 | $ 57,000 |
| Oakland-Hayward-Berkeley, CA | 8 | $ 3,677,000 | $ 459,625 | $ 148,000 |
| Stockton-Lodi, CA | 8 | $ 1,767,000 | $ 220,875 | $ 96,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,362,000 | $ 227,000 | $ 182,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,176,000 | $ 362,666 | $ 183,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 4,357,000 | $ 871,400 | $ 237,000 |
| Idaho Falls, ID | 4 | $ 631,000 | $ 157,750 | $ 95,000 |
| Albuquerque, NM | 3 | $ 556,000 | $ 185,333 | $ 100,000 |
| Bakersfield, CA | 3 | $ 747,000 | $ 249,000 | $ 105,000 |
| Casper, WY | 3 | $ 646,000 | $ 215,333 | $ 73,000 |
| Cheyenne, WY | 3 | $ 683,000 | $ 227,666 | $ 68,000 |
| Fort Collins, CO | 3 | $ 1,012,000 | $ 337,333 | $ 97,000 |
| Billings, MT | 2 | $ 484,000 | $ 242,000 | $ 67,000 |
| Fresno, CA | 2 | $ 551,000 | $ 275,500 | $ 105,000 |
| Las Cruces, NM | 2 | $ 265,000 | $ 132,500 | $ 74,000 |
| Lawrence, KS | 2 | $ 328,000 | $ 164,000 | $ 130,000 |
| Modesto, CA | 2 | $ 418,000 | $ 209,000 | $ 66,000 |
| Napa, CA | 2 | $ 663,000 | $ 331,500 | $ 122,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 544,000 | $ 272,000 | $ 240,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 592,000 | $ 296,000 | $ 132,000 |
| Wichita, KS | 2 | $ 319,000 | $ 159,500 | $ 89,000 |
| Yuba City, CA | 2 | $ 621,000 | $ 310,500 | $ 86,000 |
| Boise City, ID | 1 | $ 184,000 | $ 184,000 | $ 37,000 |
| El Centro, CA | 1 | $ 55,000 | $ 55,000 | $ 13,000 |
| Fargo, ND-MN | 1 | $ 194,000 | $ 194,000 | $ 117,000 |
| Grand Junction, CO | 1 | $ 311,000 | $ 311,000 | $ 74,000 |
| Logan, UT-ID | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Merced, CA | 1 | $ 295,000 | $ 295,000 | $ 63,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 108,000 | $ 108,000 | $ 51,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 141,000 | $ 141,000 | $ 98,000 |
| Pocatello, ID | 1 | $ 94,000 | $ 94,000 | $ 87,000 |
| Redding, CA | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| Reno, NV | 1 | $ 780,000 | $ 780,000 | $ 213,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 483,000 | $ 483,000 | $ 111,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 410,000 | $ 410,000 | $ 105,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 601,000 | $ 601,000 | $ 111,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 337,000 | $ 337,000 | $ 96,000 |
| Springfield, MO | 1 | $ 163,000 | $ 163,000 | $ 85,000 |
| Tucson, AZ | 1 | $ 221,000 | $ 221,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Catalyst Lending, Inc. in 2016
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 | 1,212 | $314,335,000 | $259,000 | $2,000,000 | $88,000 | $947,000 |
| Refinancing | 882 | $261,309,000 | $296,000 | $2,216,000 | $101,000 | $1,101,000 |
| 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 | 1,525 | $414,319,000 | $271,000 | $2,216,000 | $96,000 | $1,101,000 |
| Hispanic | 245 | $65,127,000 | $265,000 | $1,020,000 | $71,000 | $305,000 |
| Not Provided | 130 | $39,108,000 | $300,000 | $2,000,000 | $92,000 | $300,000 |
| Asian | 88 | $27,074,000 | $307,000 | $1,500,000 | $100,000 | $795,000 |
| Black or African American | 57 | $16,311,000 | $286,000 | $1,279,000 | $85,000 | $281,000 |
| Not applicable | 28 | $6,896,000 | $246,000 | $614,000 | $82,000 | $237,000 |
| Native Hawaiin or Other Pacific Islander | 13 | $4,409,000 | $339,000 | $920,000 | $178,000 | $596,000 |
| American Indian or Alaskan Native | 8 | $2,400,000 | $300,000 | $423,000 | $92,000 | $149,000 |
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) | 1,218 | $353,016,000 | $289,000 | $2,216,000 | $110,000 | $1,101,000 |
| FHA-insured (Federal Housing Administration) | 661 | $156,693,000 | $237,000 | $795,000 | $66,000 | $381,000 |
| VA-guaranteed (Veterans Administration) | 184 | $60,102,000 | $326,000 | $927,000 | $86,000 | $392,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $5,833,000 | $188,000 | $344,000 | $55,000 | $91,000 |
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 | 1,433 | $378,852,000 | $264,000 | $1,500,000 | $89,000 | $795,000 |
| Application Withdrawn By Applicant | 354 | $100,379,000 | $283,000 | $2,216,000 | $103,000 | $1,101,000 |
| Application Approved But Not Accepted | 132 | $38,029,000 | $288,000 | $1,279,000 | $104,000 | $947,000 |
| Application Denied By Financial Institution | 126 | $43,997,000 | $349,000 | $2,000,000 | $102,000 | $682,000 |
| File Closed For Incompleteness | 38 | $12,472,000 | $328,000 | $983,000 | $116,000 | $447,000 |
| Preapproval Approved but not Accepted | 8 | $1,266,000 | $158,000 | $400,000 | $71,000 | $240,000 |
| Preapproval Denied by Financial Institution | 3 | $649,000 | $216,000 | $346,000 | $74,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 45 | $16,797,000 | $373,000 | $2,000,000 | $86,000 | $245,000 |
| Credit History | 28 | $8,791,000 | $313,000 | $780,000 | $106,000 | $297,000 |
| Collateral | 18 | $5,066,000 | $281,000 | $1,000,000 | $96,000 | $453,000 |
| Unverifiable Information | 13 | $4,930,000 | $379,000 | $1,100,000 | $150,000 | $682,000 |
| Other | 11 | $2,887,000 | $262,000 | $626,000 | $65,000 | $115,000 |
| Employment History | 6 | $2,140,000 | $356,000 | $552,000 | $99,000 | $240,000 |
| Credit Application Incomplete | 3 | $1,610,000 | $536,000 | $1,070,000 | $158,000 | $331,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $827,000 | $413,000 | $636,000 | $130,000 | $226,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Catalyst Lending, Inc.'s 2016 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.
For a list of all lenders in Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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