Equitable Savings & Loan Assoc Mortgage Lending & HMDA Data, 2013
In 2013, Equitable Savings & Loan Assoc of Sterling, CO reported 490 mortgage applications totaling $62.2 million, down 4% from 2012. The average application was for $126,908, and applicants reported an average income of $87,297. 72% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Fort Collins-Loveland, CO (41), Denver-Aurora-Broomfield, CO (22) and Greeley, CO (13) (applications in parentheses).
| Mortgage Company & Address | Equitable Savings & Loan Assoc Po Box 1726 Sterling, CO 80751 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 490 |
| Total Mortgage Loan Application Amount | $62,185,000 |
| Average Mortgage Loan Application Amount | $126,908 |
| Highest Mortgage Loan Application Amount | $1,040,000 |
| Average Applicant Income | $87,297 |
| Highest Applicant Income | $1,338,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Equitable Savings & Loan Assoc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Logan, Colorado | 76 | $ 8,827,000 | $ 116,144 | $ 84,000 |
| Yuma, Colorado | 68 | $ 7,883,000 | $ 115,926 | $ 95,000 |
| Kit Carson, Colorado | 49 | $ 4,939,000 | $ 100,795 | $ 87,000 |
| Lincoln, Colorado | 49 | $ 4,950,000 | $ 101,020 | $ 64,000 |
| Morgan, Colorado | 45 | $ 5,786,000 | $ 128,577 | $ 75,000 |
| Larimer, Colorado | 41 | $ 8,463,000 | $ 206,414 | $ 126,000 |
| Phillips, Colorado | 33 | $ 4,410,000 | $ 133,636 | $ 123,000 |
| Sedgwick, Colorado | 33 | $ 2,504,000 | $ 75,878 | $ 52,000 |
| Washington, Colorado | 21 | $ 1,455,000 | $ 69,285 | $ 71,000 |
| Weld, Colorado | 13 | $ 1,869,000 | $ 143,769 | $ 87,000 |
| El Paso, Colorado | 8 | $ 1,286,000 | $ 160,750 | $ 63,000 |
| Elbert, Colorado | 7 | $ 1,215,000 | $ 173,571 | $ 66,000 |
| Denver, Colorado | 5 | $ 1,356,000 | $ 271,200 | $ 84,000 |
| Cheyenne, Colorado | 4 | $ 278,000 | $ 69,500 | $ 28,000 |
| Sherman, Kansas | 4 | $ 196,000 | $ 49,000 | $ 55,000 |
| Cheyenne, Nebraska | 4 | $ 504,000 | $ 126,000 | $ 75,000 |
| Adams, Colorado | 3 | $ 434,000 | $ 144,666 | $ 74,000 |
| Eagle, Colorado | 3 | $ 1,315,000 | $ 438,333 | $ 180,000 |
| Arapahoe, Colorado | 2 | $ 481,000 | $ 240,500 | $ 180,000 |
| Douglas, Colorado | 2 | $ 328,000 | $ 164,000 | $ 159,000 |
| Jefferson, Colorado | 2 | $ 315,000 | $ 157,500 | $ 39,000 |
| Boulder, Colorado | 1 | $ 500,000 | $ 500,000 | $ 141,000 |
| Broomfield, Colorado | 1 | $ 399,000 | $ 399,000 | $ 146,000 |
| Crowley, Colorado | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Delta, Colorado | 1 | $ 93,000 | $ 93,000 | $ 27,000 |
| Jackson, Colorado | 1 | $ 235,000 | $ 235,000 | $ 220,000 |
| Las Animas, Colorado | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Mesa, Colorado | 1 | $ 368,000 | $ 368,000 | $ 96,000 |
| Summit, Colorado | 1 | $ 500,000 | $ 500,000 | $ 317,000 |
| Teller, Colorado | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Cheyenne, Kansas | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
| Scott, Kansas | 1 | $ 66,000 | $ 66,000 | $ 28,000 |
| Box Butte, Nebraska | 1 | $ 188,000 | $ 188,000 | $ 107,000 |
| Buffalo, Nebraska | 1 | $ 128,000 | $ 128,000 | $ 46,000 |
| Deuel, Nebraska | 1 | $ 200,000 | $ 200,000 | $ 230,000 |
| Furnas, Nebraska | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Lincoln, Nebraska | 1 | $ 33,000 | $ 33,000 | $ 41,000 |
| Morrill, Nebraska | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Fremont, Wyoming | 1 | $ 243,000 | $ 243,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Equitable Savings & Loan Assoc 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 240 | $29,064,000 | $121,000 | $385,000 | $73,000 | $656,000 |
| Refinancing | 184 | $27,570,000 | $149,000 | $1,040,000 | $110,000 | $1,338,000 |
| Home Improvement | 66 | $5,551,000 | $84,000 | $230,000 | $76,000 | $306,000 |
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 | 439 | $56,374,000 | $128,000 | $1,040,000 | $89,000 | $1,338,000 |
| Hispanic | 31 | $3,253,000 | $104,000 | $469,000 | $51,000 | $159,000 |
| Not Provided | 10 | $1,512,000 | $151,000 | $333,000 | $105,000 | $270,000 |
| Not applicable | 3 | $452,000 | $150,000 | $365,000 | $25,000 | $45,000 |
| American Indian or Alaskan Native | 2 | $135,000 | $67,000 | $100,000 | $122,000 | $172,000 |
| Asian | 2 | $228,000 | $114,000 | $128,000 | $103,000 | $124,000 |
| Black or African American | 2 | $123,000 | $61,000 | $98,000 | $72,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $108,000 | $108,000 | $108,000 | $30,000 | $30,000 |
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) | 389 | $53,437,000 | $137,000 | $1,040,000 | $97,000 | $1,338,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $8,486,000 | $101,000 | $200,000 | $43,000 | $101,000 |
| FHA-insured (Federal Housing Administration) | 17 | $262,000 | $15,000 | $25,000 | $67,000 | $175,000 |
| 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 | 351 | $43,996,000 | $125,000 | $1,040,000 | $95,000 | $1,338,000 |
| Application Denied By Financial Institution | 83 | $9,521,000 | $114,000 | $465,000 | $53,000 | $220,000 |
| Application Withdrawn By Applicant | 40 | $5,703,000 | $142,000 | $385,000 | $83,000 | $349,000 |
| File Closed For Incompleteness | 13 | $1,615,000 | $124,000 | $257,000 | $57,000 | $108,000 |
| Loan Purchased By The Institution | 3 | $1,350,000 | $450,000 | $650,000 | $286,000 | $347,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 31 | $2,980,000 | $96,000 | $288,000 | $44,000 | $118,000 |
| Collateral | 19 | $2,544,000 | $133,000 | $240,000 | $67,000 | $220,000 |
| Debt-To-Income Ratio | 12 | $1,393,000 | $116,000 | $192,000 | $38,000 | $80,000 |
| Other | 10 | $1,108,000 | $110,000 | $210,000 | $64,000 | $84,000 |
| Unverifiable Information | 4 | $717,000 | $179,000 | $465,000 | $76,000 | $219,000 |
| Credit Application Incomplete | 3 | $197,000 | $65,000 | $71,000 | $29,000 | $51,000 |
| Employment History | 3 | $506,000 | $168,000 | $268,000 | $63,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $76,000 | $76,000 | $76,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equitable Savings & Loan Assoc'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 Equitable Savings & Loan Assoc'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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