Loan Simple, Inc. Mortgage Lending & HMDA Data, 2014
In 2014, Loan Simple, Inc. of Englewood, CO reported 2,717 mortgage applications totaling $551.3 million, up 74% from 2013. The average application was for $202,913, and applicants reported an average income of $80,276. 63% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (434), San Antonio-New Braunfels, TX (180) and Dallas-Plano-Irving, TX (169) (applications in parentheses).
| Mortgage Company & Address | Loan Simple, Inc. 9635 Maroon Circle Suite 100 Englewood, CO 80112 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 |
| Total Number of Mortgage Applications | 2,717 |
| Total Mortgage Loan Application Amount | $551,317,000 |
| Average Mortgage Loan Application Amount | $202,913 |
| Highest Mortgage Loan Application Amount | $1,808,000 |
| Average Applicant Income | $80,276 |
| Highest Applicant Income | $862,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Loan Simple, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 434 | $ 107,248,000 | $ 247,115 | $ 90,000 |
| San Antonio-New Braunfels, TX | 180 | $ 31,940,000 | $ 177,444 | $ 82,000 |
| Dallas-Plano-Irving, TX | 169 | $ 30,082,000 | $ 178,000 | $ 76,000 |
| Fort Collins, CO | 127 | $ 29,468,000 | $ 232,031 | $ 85,000 |
| Greeley, CO | 118 | $ 24,526,000 | $ 207,847 | $ 74,000 |
| Albuquerque, NM | 101 | $ 18,646,000 | $ 184,613 | $ 81,000 |
| Brownsville-Harlingen, TX | 101 | $ 12,807,000 | $ 126,801 | $ 65,000 |
| Houston-The Woodlands-Sugar Land, TX | 97 | $ 16,596,000 | $ 171,092 | $ 95,000 |
| Beaumont-Port Arthur, TX | 93 | $ 12,070,000 | $ 129,784 | $ 66,000 |
| Baton Rouge, LA | 87 | $ 14,108,000 | $ 162,160 | $ 56,000 |
| Austin-Round Rock, TX | 85 | $ 18,136,000 | $ 213,364 | $ 89,000 |
| Visalia-Porterville, CA | 76 | $ 10,864,000 | $ 142,947 | $ 51,000 |
| Fort Worth-Arlington, TX | 67 | $ 9,706,000 | $ 144,865 | $ 70,000 |
| Charleston-North Charleston, SC | 62 | $ 15,614,000 | $ 251,838 | $ 106,000 |
| Miami-Miami Beach-Kendall, FL | 59 | $ 11,553,000 | $ 195,813 | $ 70,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 56 | $ 27,653,000 | $ 493,803 | $ 151,000 |
| Kansas City, MO-KS | 51 | $ 9,252,000 | $ 181,411 | $ 75,705 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 49 | $ 10,146,000 | $ 207,061 | $ 73,000 |
| Tampa-St. Petersburg-Clearwater, FL | 47 | $ 7,201,000 | $ 153,212 | $ 87,000 |
| McAllen-Edinburg-Mission, TX | 45 | $ 6,588,000 | $ 146,400 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 44 | $ 6,474,000 | $ 147,136 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 27 | $ 3,500,000 | $ 129,629 | $ 80,000 |
| Boulder, CO | 26 | $ 6,800,000 | $ 261,538 | $ 90,000 |
| Detroit-Dearborn-Livonia, MI | 24 | $ 3,009,000 | $ 125,375 | $ 52,000 |
| Los Angeles-Long Beach-Glendale, CA | 24 | $ 8,894,000 | $ 370,583 | $ 88,000 |
| Stockton-Lodi, CA | 24 | $ 6,550,000 | $ 272,916 | $ 95,000 |
| Bakersfield, CA | 22 | $ 4,108,000 | $ 186,727 | $ 58,000 |
| St. Louis, MO-IL | 22 | $ 3,022,000 | $ 137,363 | $ 66,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 4,136,000 | $ 196,952 | $ 70,000 |
| Columbia, SC | 20 | $ 2,834,000 | $ 141,700 | $ 49,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 18 | $ 4,155,000 | $ 230,833 | $ 89,000 |
| Atlanta-Sandy Springs-Roswell, GA | 17 | $ 3,640,000 | $ 214,117 | $ 103,000 |
| Grand Junction, CO | 16 | $ 2,727,000 | $ 170,437 | $ 54,000 |
| New Orleans-Metairie, LA | 16 | $ 2,309,000 | $ 144,312 | $ 54,000 |
| Oakland-Hayward-Berkeley, CA | 15 | $ 7,853,000 | $ 523,533 | $ 153,000 |
| Indianapolis-Carmel-Anderson, IN | 13 | $ 1,830,000 | $ 140,769 | $ 55,000 |
| Colorado Springs, CO | 11 | $ 2,467,000 | $ 224,272 | $ 79,000 |
| Corpus Christi, TX | 10 | $ 1,354,000 | $ 135,400 | $ 53,000 |
| Hammond, LA | 10 | $ 1,849,000 | $ 184,900 | $ 61,000 |
| Richmond, VA | 9 | $ 1,087,000 | $ 120,777 | $ 59,000 |
| San Francisco-Redwood City-South San Francisco, CA | 9 | $ 6,595,000 | $ 732,777 | $ 328,000 |
| Modesto, CA | 8 | $ 2,173,000 | $ 271,625 | $ 109,000 |
| Oklahoma City, OK | 8 | $ 1,466,000 | $ 183,250 | $ 65,000 |
| Savannah, GA | 8 | $ 1,522,000 | $ 190,250 | $ 62,000 |
| Lafayette, LA | 7 | $ 1,117,000 | $ 159,571 | $ 88,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 2,504,000 | $ 417,333 | $ 110,000 |
| Killeen-Temple, TX | 6 | $ 951,000 | $ 158,500 | $ 77,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 534,000 | $ 106,800 | $ 39,000 |
| Ann Arbor, MI | 4 | $ 842,000 | $ 210,500 | $ 155,000 |
| Lakeland-Winter Haven, FL | 4 | $ 610,000 | $ 152,500 | $ 82,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 769,000 | $ 192,250 | $ 99,000 |
| The Villages, FL | 4 | $ 849,000 | $ 212,250 | $ 40,000 |
| Waco, TX | 4 | $ 595,000 | $ 148,750 | $ 50,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 327,000 | $ 109,000 | $ 45,000 |
| Lawrence, KS | 3 | $ 719,000 | $ 239,666 | $ 179,000 |
| Memphis, TN-MS-AR | 3 | $ 420,000 | $ 140,000 | $ 64,000 |
| Monroe, MI | 3 | $ 567,000 | $ 189,000 | $ 85,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 505,000 | $ 168,333 | $ 60,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 462,000 | $ 154,000 | $ 36,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,108,000 | $ 369,333 | $ 179,000 |
| Tulsa, OK | 3 | $ 414,000 | $ 138,000 | $ 54,000 |
| Amarillo, TX | 2 | $ 224,000 | $ 112,000 | $ 74,000 |
| College Station-Bryan, TX | 2 | $ 215,000 | $ 107,500 | $ 39,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 617,000 | $ 308,500 | $ 96,000 |
| Flint, MI | 2 | $ 192,000 | $ 96,000 | $ 37,000 |
| Fresno, CA | 2 | $ 367,000 | $ 183,500 | $ 112,000 |
| Port St. Lucie, FL | 2 | $ 147,000 | $ 73,500 | $ 55,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 554,000 | $ 277,000 | $ 104,000 |
| San Rafael, CA | 2 | $ 929,000 | $ 464,500 | $ 115,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,089,000 | $ 544,500 | $ 136,000 |
| Santa Fe, NM | 2 | $ 555,000 | $ 277,500 | $ 77,000 |
| Vallejo-Fairfield, CA | 2 | $ 569,000 | $ 284,500 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 891,000 | $ 445,500 | $ 111,000 |
| Bloomington, IN | 1 | $ 139,000 | $ 139,000 | $ 43,000 |
| Bremerton-Silverdale, WA | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 184,000 | $ 184,000 | $ 70,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 114,000 | $ 114,000 | $ 47,000 |
| El Paso, TX | 1 | $ 177,000 | $ 177,000 | $ 78,000 |
| Farmington, NM | 1 | $ 263,000 | $ 263,000 | $ 223,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 181,000 | $ 181,000 | $ 76,000 |
| Hanford-Corcoran, CA | 1 | $ 116,000 | $ 116,000 | $ 83,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 128,000 | $ 128,000 | $ 47,000 |
| Hinesville, GA | 1 | $ 122,000 | $ 122,000 | $ 32,000 |
| Joplin, MO | 1 | $ 137,000 | $ 137,000 | $ 76,000 |
| Laredo, TX | 1 | $ 136,000 | $ 136,000 | $ 72,000 |
| Las Cruces, NM | 1 | $ 225,000 | $ 225,000 | $ 132,000 |
| Macon, GA | 1 | $ 86,000 | $ 86,000 | $ 48,000 |
| Merced, CA | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Olympia-Tumwater, WA | 1 | $ 243,000 | $ 243,000 | $ 98,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 321,000 | $ 321,000 | $ 93,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 54,000 | $ 54,000 | $ 13,000 |
| Panama City, FL | 1 | $ 284,000 | $ 284,000 | $ 110,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| Tacoma-Lakewood, WA | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Tyler, TX | 1 | $ 136,000 | $ 136,000 | $ 40,000 |
| Victoria, TX | 1 | $ 174,000 | $ 174,000 | $ 51,000 |
| Yakima, WA | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Yuba City, CA | 1 | $ 232,000 | $ 232,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Loan Simple, Inc. in 2014
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 | 2,120 | $413,905,000 | $195,000 | $1,680,000 | $77,000 | $862,000 |
| Refinancing | 375 | $94,331,000 | $251,000 | $1,808,000 | $96,000 | $723,000 |
| Home Improvement | 222 | $43,081,000 | $194,000 | $1,463,000 | $85,000 | $500,000 |
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 | 1,333 | $287,226,000 | $215,000 | $1,595,000 | $87,000 | $862,000 |
| Hispanic | 665 | $117,977,000 | $177,000 | $1,680,000 | $69,000 | $700,000 |
| Black or African American | 325 | $51,594,000 | $158,000 | $432,000 | $65,000 | $288,000 |
| Not Provided | 236 | $49,817,000 | $211,000 | $1,808,000 | $85,000 | $723,000 |
| Asian | 144 | $41,792,000 | $290,000 | $1,370,000 | $105,000 | $354,000 |
| American Indian or Alaskan Native | 9 | $1,683,000 | $187,000 | $275,000 | $78,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,228,000 | $245,000 | $319,000 | $57,000 | $124,000 |
| Not applicable | 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) | 1,295 | $301,337,000 | $232,000 | $1,808,000 | $102,000 | $862,000 |
| FHA-insured (Federal Housing Administration) | 1,045 | $176,737,000 | $169,000 | $562,000 | $61,000 | $353,000 |
| VA-guaranteed (Veterans Administration) | 243 | $49,974,000 | $205,000 | $550,000 | $63,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 134 | $23,269,000 | $173,000 | $396,000 | $53,000 | $131,000 |
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 | 1,722 | $346,693,000 | $201,000 | $1,370,000 | $80,000 | $862,000 |
| Application Withdrawn By Applicant | 581 | $121,356,000 | $208,000 | $1,463,000 | $85,000 | $723,000 |
| Application Approved But Not Accepted | 257 | $54,392,000 | $211,000 | $1,808,000 | $81,000 | $651,000 |
| Application Denied By Financial Institution | 157 | $28,876,000 | $183,000 | $1,200,000 | $69,000 | $431,000 |
| 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 | 51 | $10,530,000 | $206,000 | $1,200,000 | $61,000 | $431,000 |
| Credit History | 35 | $6,161,000 | $176,000 | $373,000 | $68,000 | $135,000 |
| Collateral | 22 | $3,197,000 | $145,000 | $332,000 | $63,000 | $179,000 |
| Employment History | 12 | $2,209,000 | $184,000 | $398,000 | $87,000 | $353,000 |
| Other | 8 | $1,197,000 | $149,000 | $208,000 | $74,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,121,000 | $160,000 | $295,000 | $62,000 | $117,000 |
| Unverifiable Information | 6 | $1,910,000 | $318,000 | $998,000 | $123,000 | $399,000 |
| Credit Application Incomplete | 1 | $87,000 | $87,000 | $87,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Loan Simple, Inc.'s 2014 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 Loan Simple, 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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