Neat Capital Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Neat Capital Inc. of Boulder, CO reported 91 mortgage applications totaling $49.4 million. The average application was for $543,021, and applicants reported an average income of $240,670. 91% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bridgeport-Stamford-Norwalk, CT (46), Hartford-West Hartford-East Hartford, CT (14) and Denver-Aurora-Lakewood, CO (11) (applications in parentheses).
| Mortgage Company & Address | Neat Capital Inc. 2560 55th St Suite 101 Boulder, CO 80301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 |
| Total Number of Mortgage Applications | 91 |
| Total Mortgage Loan Application Amount | $49,415,000 |
| Average Mortgage Loan Application Amount | $543,021 |
| Highest Mortgage Loan Application Amount | $2,605,000 |
| Average Applicant Income | $240,670 |
| Highest Applicant Income | $1,428,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Neat Capital Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfield, Connecticut | 46 | $ 31,940,000 | $ 694,347 | $ 319,000 |
| Hartford, Connecticut | 8 | $ 1,830,000 | $ 228,750 | $ 161,000 |
| Boulder, Colorado | 5 | $ 3,025,000 | $ 605,000 | $ 197,000 |
| Denver, Colorado | 5 | $ 2,445,000 | $ 489,000 | $ 146,000 |
| New Haven, Connecticut | 4 | $ 1,270,000 | $ 317,500 | $ 252,000 |
| Adams, Colorado | 3 | $ 885,000 | $ 295,000 | $ 69,000 |
| Jefferson, Colorado | 3 | $ 1,335,000 | $ 445,000 | $ 155,000 |
| Middlesex, Connecticut | 3 | $ 895,000 | $ 298,333 | $ 146,000 |
| Tolland, Connecticut | 3 | $ 1,015,000 | $ 338,333 | $ 132,000 |
| Collin, Texas | 2 | $ 760,000 | $ 380,000 | $ 97,000 |
| Los Angeles, California | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Santa Clara, California | 1 | $ 385,000 | $ 385,000 | $ 118,000 |
| Grand, Colorado | 1 | $ 235,000 | $ 235,000 | $ 161,000 |
| District of Columbia, District Of Columbia | 1 | $ 525,000 | $ 525,000 | $ 185,000 |
| Walton, Florida | 1 | $ 445,000 | $ 445,000 | $ 112,000 |
| Fort Bend, Texas | 1 | $ 455,000 | $ 455,000 | $ 190,000 |
| Loudoun, Virginia | 1 | $ 475,000 | $ 475,000 | $ 188,000 |
| King, Washington | 1 | $ 775,000 | $ 775,000 | $ 275,000 |
Mortgage Loan Application Detail Totals for Neat Capital Inc. in 2018
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 | 67 | $33,185,000 | $495,000 | $1,935,000 | $212,000 | $568,000 |
| Cash-out Refinancing | 17 | $11,315,000 | $665,000 | $2,605,000 | $279,000 | $875,000 |
| Refinancing | 7 | $4,915,000 | $702,000 | $1,475,000 | $422,000 | $1,428,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 72 | $41,350,000 | $574,000 | $2,605,000 | $257,000 | $1,428,000 |
| Not Provided | 7 | $2,445,000 | $349,000 | $635,000 | $162,000 | $245,000 |
| Hispanic | 7 | $3,585,000 | $512,000 | $1,125,000 | $151,000 | $275,000 |
| Asian | 3 | $1,165,000 | $388,000 | $405,000 | $95,000 | $114,000 |
| Black or African American | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
| American Indian or Alaskan Native | 1 | $685,000 | $685,000 | $685,000 | $875,000 | $875,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 89 | $48,955,000 | $550,000 | $2,605,000 | $245,000 | $1,428,000 |
| VA-guaranteed (Veterans Administration) | 2 | $460,000 | $230,000 | $275,000 | $68,000 | $77,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 83 | $43,335,000 | $522,000 | $1,935,000 | $244,000 | $1,428,000 |
| Application Denied By Financial Institution | 6 | $5,030,000 | $838,000 | $2,605,000 | $216,000 | $443,000 |
| Application Withdrawn By Applicant | 2 | $1,050,000 | $525,000 | $605,000 | $180,000 | $277,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 85 | $44,385,000 | $522,000 | $1,935,000 | $242,000 | $1,428,000 |
| Debt-To-Income Ratio | 3 | $3,435,000 | $1,145,000 | $2,605,000 | $159,000 | $205,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $69,000 | $69,000 |
| Credit Application Incomplete | 1 | $655,000 | $655,000 | $655,000 | $251,000 | $251,000 |
| Credit History | 1 | $825,000 | $825,000 | $825,000 | $443,000 | $443,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Neat Capital Inc.'s 2018 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 Neat Capital 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.
For a list of all lenders in Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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