Loan Simple, Inc. Mortgage Lending & HMDA Data, 2024
In 2024, Loan Simple, Inc. of Englewood, CO reported 1,940 mortgage applications totaling $637.2 million, down 5% from 2023. The average application was for $328,432, and applicants reported an average income of $97,635. 60% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (483), Greeley, CO (82) and Colorado Springs, CO (79) (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 | 1,940 |
| Total Mortgage Loan Application Amount | $637,160,000 |
| Average Mortgage Loan Application Amount | $328,432 |
| Highest Mortgage Loan Application Amount | $1,185,000 |
| Average Applicant Income | $97,635 |
| Highest Applicant Income | $484,000 |
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Act (HMDA) records Loan Simple, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 483 | $ 196,645,000 | $ 407,132 | $ 107,000 |
| Outside any metro area | 255 | $ 63,745,000 | $ 249,980 | $ 91,192 |
| Greeley, CO | 82 | $ 32,500,000 | $ 396,341 | $ 102,000 |
| Colorado Springs, CO | 79 | $ 29,965,000 | $ 379,303 | $ 97,000 |
| Atlanta-Sandy Springs-Roswell, GA | 77 | $ 19,385,000 | $ 251,753 | $ 80,000 |
| Houston-The Woodlands-Sugar Land, TX | 63 | $ 18,835,000 | $ 298,968 | $ 97,000 |
| Dallas-Plano-Irving, TX | 45 | $ 13,065,000 | $ 290,333 | $ 100,000 |
| Phoenix-Mesa-Scottsdale, AZ | 45 | $ 14,295,000 | $ 317,666 | $ 118,000 |
| Fort Worth-Arlington, TX | 30 | $ 8,930,000 | $ 297,666 | $ 89,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 30 | $ 10,030,000 | $ 334,333 | $ 100,000 |
| Albuquerque, NM | 29 | $ 8,575,000 | $ 295,689 | $ 105,000 |
| Grand Junction, CO | 26 | $ 7,930,000 | $ 305,000 | $ 88,000 |
| Charlotte-Concord-Gastonia, NC-SC | 22 | $ 5,900,000 | $ 268,181 | $ 100,090 |
| Richmond, VA | 22 | $ 5,720,000 | $ 260,000 | $ 73,000 |
| Arlington-Alexandria-Reston, VA-WV | 21 | $ 9,055,000 | $ 431,190 | $ 130,000 |
| Austin-Round Rock, TX | 21 | $ 7,325,000 | $ 348,809 | $ 109,000 |
| Tampa, FL | 21 | $ 7,325,000 | $ 348,809 | $ 87,000 |
| Fort Collins, CO | 20 | $ 8,490,000 | $ 424,500 | $ 109,000 |
| Pueblo, CO | 20 | $ 5,340,000 | $ 267,000 | $ 76,000 |
| Tacoma-Lakewood, WA | 20 | $ 8,220,000 | $ 411,000 | $ 85,000 |
| Indianapolis-Carmel-Anderson, IN | 19 | $ 4,835,000 | $ 254,473 | $ 79,000 |
| Prescott Valley-Prescott, AZ | 19 | $ 7,715,000 | $ 406,052 | $ 140,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 18 | $ 5,520,000 | $ 306,666 | $ 87,000 |
| San Antonio-New Braunfels, TX | 15 | $ 3,975,000 | $ 265,000 | $ 91,000 |
| Marietta, GA | 14 | $ 4,820,000 | $ 344,285 | $ 85,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 5,380,000 | $ 384,285 | $ 108,142 |
| Birmingham-Hoover, AL | 12 | $ 2,530,000 | $ 210,833 | $ 112,000 |
| Jacksonville, FL | 12 | $ 3,100,000 | $ 258,333 | $ 65,000 |
| Lakeland-Winter Haven, FL | 12 | $ 3,050,000 | $ 254,166 | $ 88,000 |
| Everett, WA | 11 | $ 5,855,000 | $ 532,272 | $ 108,000 |
| Bend-Redmond, OR | 9 | $ 2,125,000 | $ 236,111 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 2,315,000 | $ 257,222 | $ 104,000 |
| Raleigh, NC | 9 | $ 2,495,000 | $ 277,222 | $ 114,000 |
| Salem, OR | 9 | $ 3,635,000 | $ 403,888 | $ 91,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 2,020,000 | $ 252,500 | $ 57,000 |
| Durham-Chapel Hill, NC | 8 | $ 1,890,000 | $ 236,250 | $ 98,000 |
| Spokane-Spokane Valley, WA | 8 | $ 3,020,000 | $ 377,500 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,025,000 | $ 289,285 | $ 86,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 1,395,000 | $ 199,285 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 3,235,000 | $ 462,142 | $ 123,000 |
| Hinesville, GA | 7 | $ 1,425,000 | $ 203,571 | $ 95,000 |
| Huntsville, AL | 7 | $ 1,675,000 | $ 239,285 | $ 83,000 |
| Lake County-Porter County-Jasper County, IN | 7 | $ 1,625,000 | $ 232,142 | $ 91,000 |
| Ocala, FL | 7 | $ 1,315,000 | $ 187,857 | $ 90,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 1,775,000 | $ 253,571 | $ 65,000 |
| Bellingham, WA | 6 | $ 2,720,000 | $ 453,333 | $ 30,000 |
| Greensboro-High Point, NC | 6 | $ 1,690,000 | $ 281,666 | $ 108,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 2,000,000 | $ 333,333 | $ 129,000 |
| Savannah, GA | 6 | $ 1,450,000 | $ 241,666 | $ 59,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 1,075,000 | $ 215,000 | $ 131,000 |
| Beaumont-Port Arthur, TX | 5 | $ 1,105,000 | $ 221,000 | $ 88,000 |
| Brunswick, GA | 5 | $ 1,205,000 | $ 241,000 | $ 67,000 |
| Flagstaff, AZ | 5 | $ 4,255,000 | $ 851,000 | $ 329,000 |
| Kennewick-Richland, WA | 5 | $ 1,595,000 | $ 319,000 | $ 71,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 875,000 | $ 175,000 | $ 76,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,645,000 | $ 329,000 | $ 62,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,315,000 | $ 263,000 | $ 71,000 |
| Port St. Lucie, FL | 5 | $ 1,785,000 | $ 357,000 | $ 111,000 |
| Punta Gorda, FL | 5 | $ 1,365,000 | $ 273,000 | $ 66,000 |
| Tyler, TX | 5 | $ 1,345,000 | $ 269,000 | $ 96,000 |
| Warner Robins, GA | 5 | $ 1,425,000 | $ 285,000 | $ 31,000 |
| Amarillo, TX | 4 | $ 940,000 | $ 235,000 | $ 117,000 |
| Appleton, WI | 4 | $ 1,180,000 | $ 295,000 | $ 98,000 |
| Asheville, NC | 4 | $ 1,210,000 | $ 302,500 | $ 125,000 |
| Auburn-Opelika, AL | 4 | $ 600,000 | $ 150,000 | $ 117,000 |
| Boulder, CO | 4 | $ 1,960,000 | $ 490,000 | $ 142,000 |
| El Centro, CA | 4 | $ 1,620,000 | $ 405,000 | $ 114,000 |
| Longview, WA | 4 | $ 1,000,000 | $ 250,000 | $ 34,000 |
| Lynchburg, VA | 4 | $ 770,000 | $ 192,500 | $ 81,000 |
| Rome, GA | 4 | $ 700,000 | $ 175,000 | $ 59,000 |
| Santa Fe, NM | 4 | $ 1,380,000 | $ 345,000 | $ 136,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,580,000 | $ 395,000 | $ 113,000 |
| Winston-Salem, NC | 4 | $ 560,000 | $ 140,000 | $ 49,000 |
| Yakima, WA | 4 | $ 1,060,000 | $ 265,000 | $ 86,000 |
| Brownsville-Harlingen, TX | 3 | $ 845,000 | $ 281,666 | $ 90,000 |
| Burlington, NC | 3 | $ 625,000 | $ 208,333 | $ 107,000 |
| Charlottesville, VA | 3 | $ 925,000 | $ 308,333 | $ 102,000 |
| Chattanooga, TN-GA | 3 | $ 565,000 | $ 188,333 | $ 111,000 |
| Cincinnati, OH-KY-IN | 3 | $ 735,000 | $ 245,000 | $ 47,000 |
| Corpus Christi, TX | 3 | $ 1,115,000 | $ 371,666 | $ 75,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 495,000 | $ 165,000 | $ 65,000 |
| Dalton, GA | 3 | $ 575,000 | $ 191,666 | $ 121,000 |
| Fayetteville, NC | 3 | $ 405,000 | $ 135,000 | $ 65,000 |
| Homosassa Springs, FL | 3 | $ 675,000 | $ 225,000 | $ 64,000 |
| Kokomo, IN | 3 | $ 465,000 | $ 155,000 | $ 59,000 |
| Las Cruces, NM | 3 | $ 955,000 | $ 318,333 | $ 61,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 735,000 | $ 245,000 | $ 101,000 |
| Rocky Mount, NC | 3 | $ 565,000 | $ 188,333 | $ 73,000 |
| Sebastian-Vero Beach, FL | 3 | $ 665,000 | $ 221,666 | $ 97,000 |
| Tucson, AZ | 3 | $ 965,000 | $ 321,666 | $ 116,000 |
| Wilmington, NC | 3 | $ 755,000 | $ 251,666 | $ 69,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 540,000 | $ 270,000 | $ 71,000 |
| Bremerton-Silverdale, WA | 2 | $ 910,000 | $ 455,000 | $ 53,000 |
| College Station-Bryan, TX | 2 | $ 490,000 | $ 245,000 | $ 90,000 |
| Columbia, SC | 2 | $ 530,000 | $ 265,000 | $ 80,000 |
| Columbus, GA-AL | 2 | $ 390,000 | $ 195,000 | $ 115,000 |
| Elkhart-Goshen, IN | 2 | $ 650,000 | $ 325,000 | $ 60,000 |
| Eugene, OR | 2 | $ 750,000 | $ 375,000 | $ 50,000 |
| Fargo, ND-MN | 2 | $ 480,000 | $ 240,000 | $ 77,000 |
| Gainesville, GA | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 600,000 | $ 300,000 | $ 129,000 |
| Jacksonville, NC | 2 | $ 680,000 | $ 340,000 | $ 155,000 |
| Longview, TX | 2 | $ 530,000 | $ 265,000 | $ 75,000 |
| Lubbock, TX | 2 | $ 510,000 | $ 255,000 | $ 78,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 680,000 | $ 340,000 | $ 36,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 740,000 | $ 370,000 | $ 63,000 |
| Olympia-Tumwater, WA | 2 | $ 720,000 | $ 360,000 | $ 110,000 |
| Roanoke, VA | 2 | $ 520,000 | $ 260,000 | $ 88,000 |
| Sebring, FL | 2 | $ 360,000 | $ 180,000 | $ 75,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 700,000 | $ 350,000 | $ 71,000 |
| Tuscaloosa, AL | 2 | $ 250,000 | $ 125,000 | $ 92,000 |
| Washington, DC-MD | 2 | $ 800,000 | $ 400,000 | $ 120,000 |
| Winchester, VA-WV | 2 | $ 770,000 | $ 385,000 | $ 88,000 |
| Abilene, TX | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Athens-Clarke County, GA | 1 | $ 505,000 | $ 505,000 | $ 140,000 |
| Canton-Massillon, OH | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Columbus, IN | 1 | $ 275,000 | $ 275,000 | $ 101,000 |
| Decatur, AL | 1 | $ 355,000 | $ 355,000 | $ 162,000 |
| Dothan, AL | 1 | $ 185,000 | $ 185,000 | $ 111,000 |
| Duluth, MN-WI | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| El Paso, TX | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Fort Wayne, IN | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Fresno, CA | 1 | $ 435,000 | $ 435,000 | $ 197,000 |
| Gadsden, AL | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Grants Pass, OR | 1 | $ 285,000 | $ 285,000 | $ 58,000 |
| Greenville, NC | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Harrisonburg, VA | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Killeen-Temple, TX | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Knoxville, TN | 1 | $ 505,000 | $ 505,000 | $ 140,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Laredo, TX | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
| Macon-Bibb County, GA | 1 | $ 105,000 | $ 105,000 | $ 23,000 |
| Madison, WI | 1 | $ 395,000 | $ 395,000 | $ 132,000 |
| Mankato-North Mankato, MN | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 575,000 | $ 575,000 | $ 167,000 |
| Michigan City-La Porte, IN | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Mobile, AL | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Modesto, CA | 1 | $ 415,000 | $ 415,000 | $ 88,000 |
| Odessa, TX | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Panama City, FL | 1 | $ 465,000 | $ 465,000 | $ 105,000 |
| Racine, WI | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Rochester, MN | 1 | $ 415,000 | $ 415,000 | $ 211,000 |
| San Diego-Carlsbad, CA | 1 | $ 375,000 | $ 375,000 | $ 294,000 |
| Spartanburg, SC | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Tallahassee, FL | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Visalia-Porterville, CA | 1 | $ 325,000 | $ 325,000 | $ 71,000 |
| Waco, TX | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Loan Simple, Inc. in 2024
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 | 1,760 | $575,530,000 | $327,000 | $1,185,000 | $104,000 | $484,000 |
| Refinancing | 176 | $60,800,000 | $345,000 | $915,000 | $34,000 | $242,000 |
| Other Purpose | 2 | $10,000 | $5,000 | $5,000 | $96,000 | $105,000 |
| Cash-out Refinancing | 1 | $185,000 | $185,000 | $185,000 | $25,000 | $25,000 |
| Home Improvement | 1 | $635,000 | $635,000 | $635,000 | $172,000 | $172,000 |
| 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 | 748 | $230,120,000 | $307,000 | $1,185,000 | $102,000 | $484,000 |
| Hispanic | 618 | $217,520,000 | $351,000 | $745,000 | $95,000 | $294,000 |
| Not Provided | 284 | $95,510,000 | $336,000 | $825,000 | $95,000 | $312,000 |
| Black or African American | 221 | $68,575,000 | $310,000 | $635,000 | $89,000 | $236,000 |
| Asian | 37 | $15,005,000 | $405,000 | $845,000 | $133,000 | $474,000 |
| American Indian or Alaskan Native | 27 | $8,045,000 | $297,000 | $555,000 | $101,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,385,000 | $477,000 | $665,000 | $88,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,325 | $466,325,000 | $351,000 | $915,000 | $90,000 | $312,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 532 | $143,420,000 | $269,000 | $845,000 | $115,000 | $484,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $13,585,000 | $266,000 | $505,000 | $90,000 | $146,000 |
| VA-guaranteed (Veterans Administration) | 32 | $13,830,000 | $432,000 | $1,185,000 | $123,000 | $454,000 |
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 | 1,158 | $381,450,000 | $329,000 | $1,185,000 | $100,000 | $474,000 |
| Application Withdrawn By Applicant | 698 | $228,390,000 | $327,000 | $1,085,000 | $97,000 | $484,000 |
| Application Denied By Financial Institution | 64 | $20,940,000 | $327,000 | $775,000 | $85,000 | $306,000 |
| File Closed For Incompleteness | 19 | $6,175,000 | $325,000 | $445,000 | $25,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $95,000 | $95,000 |
| 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 | 1,876 | $616,220,000 | $328,000 | $1,185,000 | $98,000 | $484,000 |
| Debt-To-Income Ratio | 33 | $11,225,000 | $340,000 | $775,000 | $85,000 | $268,000 |
| Other | 9 | $3,615,000 | $401,000 | $675,000 | $134,000 | $306,000 |
| Credit History | 9 | $2,475,000 | $275,000 | $395,000 | $52,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,995,000 | $285,000 | $335,000 | $71,000 | $85,000 |
| Unverifiable Information | 2 | $670,000 | $335,000 | $425,000 | $101,000 | $138,000 |
| Employment History | 2 | $390,000 | $195,000 | $235,000 | $46,000 | $52,000 |
| Collateral | 2 | $570,000 | $285,000 | $295,000 | $83,000 | $119,000 |
| 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 2024 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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