Loan Simple, Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Loan Simple, Inc. of Englewood, CO reported 2,234 mortgage applications totaling $641.9 million, up 8% from 2018. The average application was for $287,336, and applicants reported an average income of $103,372. 77% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (513), Greeley, CO (254) and Prescott Valley-Prescott, AZ (191) (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 | 2,234 |
| Total Mortgage Loan Application Amount | $641,910,000 |
| Average Mortgage Loan Application Amount | $287,336 |
| Highest Mortgage Loan Application Amount | $1,555,000 |
| Average Applicant Income | $103,372 |
| Highest Applicant Income | $1,841,000 |
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Act (HMDA) records Loan Simple, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 513 | $ 174,615,000 | $ 340,380 | $ 104,000 |
| Greeley, CO | 254 | $ 73,380,000 | $ 288,897 | $ 98,000 |
| Prescott Valley-Prescott, AZ | 191 | $ 57,525,000 | $ 301,178 | $ 122,000 |
| Fort Collins, CO | 158 | $ 50,090,000 | $ 317,025 | $ 98,000 |
| Outside any metro area | 154 | $ 34,510,000 | $ 224,090 | $ 87,909 |
| Redding, CA | 140 | $ 37,400,000 | $ 267,142 | $ 103,000 |
| Phoenix-Mesa-Scottsdale, AZ | 132 | $ 35,650,000 | $ 270,075 | $ 96,000 |
| Dallas-Plano-Irving, TX | 109 | $ 28,725,000 | $ 263,532 | $ 113,000 |
| Fort Worth-Arlington, TX | 76 | $ 15,530,000 | $ 204,342 | $ 95,000 |
| Atlanta-Sandy Springs-Roswell, GA | 59 | $ 16,725,000 | $ 283,474 | $ 111,000 |
| Colorado Springs, CO | 46 | $ 11,660,000 | $ 253,478 | $ 85,000 |
| Houston-The Woodlands-Sugar Land, TX | 37 | $ 8,255,000 | $ 223,108 | $ 111,000 |
| Chattanooga, TN-GA | 32 | $ 5,380,000 | $ 168,125 | $ 89,968 |
| Brownsville-Harlingen, TX | 31 | $ 4,055,000 | $ 130,806 | $ 65,000 |
| San Diego-Carlsbad, CA | 31 | $ 11,995,000 | $ 386,935 | $ 94,000 |
| Las Vegas-Henderson-Paradise, NV | 26 | $ 6,610,000 | $ 254,230 | $ 68,000 |
| Bend-Redmond, OR | 22 | $ 6,580,000 | $ 299,090 | $ 96,000 |
| Flagstaff, AZ | 22 | $ 8,760,000 | $ 398,181 | $ 224,000 |
| Boulder, CO | 18 | $ 6,550,000 | $ 363,888 | $ 117,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 3,045,000 | $ 203,000 | $ 72,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 3,355,000 | $ 305,000 | $ 303,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 2,720,000 | $ 272,000 | $ 120,000 |
| New Orleans-Metairie, LA | 8 | $ 1,730,000 | $ 216,250 | $ 144,000 |
| Albuquerque, NM | 7 | $ 1,615,000 | $ 230,714 | $ 76,000 |
| Grand Junction, CO | 7 | $ 1,995,000 | $ 285,000 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 2,360,000 | $ 393,333 | $ 86,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,720,000 | $ 286,666 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,715,000 | $ 343,000 | $ 92,000 |
| Pueblo, CO | 5 | $ 1,455,000 | $ 291,000 | $ 103,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,435,000 | $ 287,000 | $ 107,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,825,000 | $ 365,000 | $ 108,000 |
| Tacoma-Lakewood, WA | 5 | $ 1,395,000 | $ 279,000 | $ 99,000 |
| Austin-Round Rock, TX | 4 | $ 1,190,000 | $ 297,500 | $ 103,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 800,000 | $ 200,000 | $ 82,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 700,000 | $ 175,000 | $ 124,000 |
| Midland, TX | 4 | $ 1,080,000 | $ 270,000 | $ 135,000 |
| Olympia-Tumwater, WA | 4 | $ 1,180,000 | $ 295,000 | $ 121,000 |
| Reno, NV | 4 | $ 1,170,000 | $ 292,500 | $ 91,000 |
| Salem, OR | 4 | $ 1,230,000 | $ 307,500 | $ 52,000 |
| Visalia-Porterville, CA | 4 | $ 780,000 | $ 195,000 | $ 78,000 |
| Albany, OR | 3 | $ 795,000 | $ 265,000 | $ 92,000 |
| Hammond, LA | 3 | $ 445,000 | $ 148,333 | $ 56,000 |
| Kennewick-Richland, WA | 3 | $ 635,000 | $ 211,666 | $ 97,000 |
| Baton Rouge, LA | 2 | $ 480,000 | $ 240,000 | $ 113,000 |
| Oklahoma City, OK | 2 | $ 410,000 | $ 205,000 | $ 112,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,080,000 | $ 540,000 | $ 134,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 660,000 | $ 330,000 | $ 103,000 |
| Sherman-Denison, TX | 2 | $ 280,000 | $ 140,000 | $ 101,000 |
| Yuma, AZ | 2 | $ 170,000 | $ 85,000 | $ 40,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 415,000 | $ 415,000 | $ 136,000 |
| Bakersfield, CA | 1 | $ 225,000 | $ 225,000 | $ 44,000 |
| Boise City, ID | 1 | $ 225,000 | $ 225,000 | $ 51,000 |
| Cleveland, TN | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Coeur D'Alene, ID | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| College Station-Bryan, TX | 1 | $ 175,000 | $ 175,000 | $ 157,000 |
| Dalton, GA | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| El Paso, TX | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Eugene, OR | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| Fresno, CA | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Lafayette, LA | 1 | $ 155,000 | $ 155,000 | $ 137,000 |
| Las Cruces, NM | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Longview, TX | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Macon-Bibb County, GA | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Madera, CA | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 405,000 | $ 405,000 | $ 157,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Ocala, FL | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Odessa, TX | 1 | $ 295,000 | $ 295,000 | $ 127,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 725,000 | $ 725,000 | $ 219,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 375,000 | $ 375,000 | $ 90,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Santa Rosa, CA | 1 | $ 565,000 | $ 565,000 | $ 160,000 |
| Spartanburg, SC | 1 | $ 135,000 | $ 135,000 | $ 267,000 |
| Stockton-Lodi, CA | 1 | $ 395,000 | $ 395,000 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 225,000 | $ 225,000 | $ 174,000 |
| Texarkana, TX-AR | 1 | $ 185,000 | $ 185,000 | $ 144,000 |
| Tucson, AZ | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Wenatchee, WA | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 325,000 | $ 325,000 | $ 65,000 |
| Yakima, WA | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Yuba City, CA | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Loan Simple, Inc. in 2019
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 | 1,533 | $435,265,000 | $283,000 | $1,005,000 | $104,000 | $1,841,000 |
| Refinancing | 701 | $206,645,000 | $294,000 | $1,555,000 | $102,000 | $562,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,457 | $431,385,000 | $296,000 | $1,555,000 | $111,000 | $1,841,000 |
| Hispanic | 371 | $94,335,000 | $254,000 | $725,000 | $75,000 | $358,000 |
| Not Provided | 223 | $67,475,000 | $302,000 | $1,555,000 | $105,000 | $533,000 |
| Black or African American | 102 | $26,010,000 | $255,000 | $545,000 | $89,000 | $600,000 |
| Asian | 44 | $12,110,000 | $275,000 | $485,000 | $118,000 | $1,071,000 |
| American Indian or Alaskan Native | 20 | $5,300,000 | $265,000 | $525,000 | $77,000 | $190,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $640,000 | $320,000 | $375,000 | $49,000 | $66,000 |
| Not applicable | 2 | $970,000 | $485,000 | $725,000 | $123,000 | $219,000 |
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) | 1,438 | $425,990,000 | $296,000 | $1,555,000 | $116,000 | $1,841,000 |
| FHA-insured (Federal Housing Administration) | 612 | $161,090,000 | $263,000 | $725,000 | $80,000 | $810,000 |
| VA-guaranteed (Veterans Administration) | 130 | $42,910,000 | $330,000 | $745,000 | $82,000 | $276,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $11,920,000 | $220,000 | $405,000 | $60,000 | $112,000 |
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 | 1,724 | $491,750,000 | $285,000 | $1,555,000 | $102,000 | $1,841,000 |
| Application Withdrawn By Applicant | 443 | $132,565,000 | $299,000 | $1,005,000 | $109,000 | $1,500,000 |
| Application Denied By Financial Institution | 56 | $14,810,000 | $264,000 | $1,555,000 | $101,000 | $600,000 |
| Application Approved But Not Accepted | 11 | $2,785,000 | $253,000 | $425,000 | $100,000 | $415,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,178 | $627,100,000 | $287,000 | $1,555,000 | $103,000 | $1,841,000 |
| Credit History | 21 | $4,425,000 | $210,000 | $375,000 | $85,000 | $166,000 |
| Debt-To-Income Ratio | 19 | $5,715,000 | $300,000 | $1,555,000 | $87,000 | $413,000 |
| Collateral | 6 | $1,140,000 | $190,000 | $325,000 | $61,000 | $140,000 |
| Unverifiable Information | 5 | $1,755,000 | $351,000 | $715,000 | $188,000 | $600,000 |
| Employment History | 2 | $630,000 | $315,000 | $325,000 | $126,000 | $198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $175,000 | $60,000 | $73,000 |
| Other | 1 | $825,000 | $825,000 | $825,000 | $528,000 | $528,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Loan Simple, Inc.'s 2019 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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