Htlf Bank Mortgage Lending & HMDA Data, 2023
In 2023, Htlf Bank of Denver, CO reported 2,976 mortgage applications totaling $798.5 million. The average application was for $268,323, and applicants reported an average income of $167,202. 54% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Lubbock, TX (385), Denver-Aurora-Lakewood, CO (249) and Phoenix-Mesa-Scottsdale, AZ (246) (applications in parentheses).
| Mortgage Company & Address | Htlf Bank 1800 Larimer St #1800 Denver, CO 80202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 |
| Total Number of Mortgage Applications | 2,976 |
| Total Mortgage Loan Application Amount | $798,530,000 |
| Average Mortgage Loan Application Amount | $268,323 |
| Highest Mortgage Loan Application Amount | $51,755,000 |
| Average Applicant Income | $167,202 |
| Highest Applicant Income | $5,473,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Htlf Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Htlf Bank in 2023
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 Improvement | 974 | $128,640,000 | $132,000 | $3,005,000 | $157,000 | $2,466,000 |
| Home Purchase | 939 | $422,335,000 | $449,000 | $51,755,000 | $174,000 | $5,473,000 |
| Refinancing | 518 | $175,720,000 | $339,000 | $32,455,000 | $189,000 | $2,293,000 |
| Other Purpose | 513 | $65,505,000 | $127,000 | $3,005,000 | $156,000 | $2,720,000 |
| Cash-out Refinancing | 32 | $6,330,000 | $197,000 | $1,205,000 | $105,000 | $312,000 |
| Not Applicable | 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 | 1,705 | $362,705,000 | $212,000 | $7,005,000 | $177,000 | $5,473,000 |
| Not Provided | 543 | $104,415,000 | $192,000 | $6,805,000 | $165,000 | $2,720,000 |
| Hispanic | 321 | $57,415,000 | $178,000 | $1,205,000 | $118,000 | $802,000 |
| Not applicable | 264 | $252,090,000 | $954,000 | $51,755,000 | $0 | $0 |
| Black or African American | 51 | $6,395,000 | $125,000 | $565,000 | $111,000 | $361,000 |
| Asian | 47 | $8,995,000 | $191,000 | $1,485,000 | $198,000 | $985,000 |
| American Indian or Alaskan Native | 25 | $3,545,000 | $141,000 | $355,000 | $131,000 | $326,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,760 | $747,330,000 | $270,000 | $51,755,000 | $172,000 | $5,473,000 |
| FHA-insured (Federal Housing Administration) | 185 | $40,925,000 | $221,000 | $535,000 | $100,000 | $297,000 |
| VA-guaranteed (Veterans Administration) | 30 | $10,120,000 | $337,000 | $745,000 | $111,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $155,000 | $155,000 | $155,000 | $65,000 | $65,000 |
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 | 1,607 | $431,575,000 | $268,000 | $32,455,000 | $187,000 | $3,378,000 |
| Application Denied By Financial Institution | 949 | $167,605,000 | $176,000 | $7,005,000 | $134,000 | $5,473,000 |
| Application Withdrawn By Applicant | 250 | $122,510,000 | $490,000 | $35,755,000 | $167,000 | $1,822,000 |
| Application Approved But Not Accepted | 120 | $70,900,000 | $590,000 | $51,755,000 | $139,000 | $439,000 |
| Loan Purchased By The Institution | 50 | $5,940,000 | $118,000 | $645,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,027 | $630,925,000 | $311,000 | $51,755,000 | $182,000 | $3,378,000 |
| Debt-To-Income Ratio | 464 | $77,510,000 | $167,000 | $2,205,000 | $90,000 | $674,000 |
| Credit History | 229 | $24,515,000 | $107,000 | $3,005,000 | $138,000 | $1,876,000 |
| Collateral | 99 | $14,285,000 | $144,000 | $825,000 | $176,000 | $1,231,000 |
| Credit Application Incomplete | 90 | $35,880,000 | $398,000 | $7,005,000 | $218,000 | $1,285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $8,565,000 | $295,000 | $925,000 | $125,000 | $244,000 |
| Unverifiable Information | 24 | $4,620,000 | $192,000 | $1,505,000 | $389,000 | $5,473,000 |
| Other | 11 | $2,045,000 | $185,000 | $455,000 | $326,000 | $513,000 |
| Employment History | 3 | $185,000 | $61,000 | $75,000 | $102,000 | $145,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Htlf Bank's 2023 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 Htlf Bank'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About