Steele Street Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Steele Street Bank & Trust of Denver, CO reported 72 mortgage applications totaling $32.7 million, up 106% from 2006. The average application was for $453,569, and applicants reported an average income of $239,041. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Denver-Aurora, CO (64), Boulder, CO (4) and Fort Collins-Loveland, CO (1) (applications in parentheses).
| Mortgage Company & Address | Steele Street Bank & Trust 55 Adams Street Denver, CO 80206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $32,657,000 |
| Average Mortgage Loan Application Amount | $453,569 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $239,041 |
| Highest Applicant Income | $1,725,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Steele Street Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, CO | 64 | $ 28,451,000 | $ 444,546 | $ 264,000 |
| Boulder, CO | 4 | $ 3,253,000 | $ 813,250 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 160,000 | $ 160,000 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 236,000 | $ 236,000 | $ 0 |
Mortgage Loan Application Detail Totals for Steele Street Bank & Trust in 2007
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 | 41 | $18,680,000 | $455,000 | $1,540,000 | $188,000 | $1,198,000 |
| Refinancing | 27 | $13,885,000 | $514,000 | $3,200,000 | $341,000 | $1,725,000 |
| Home Improvement | 4 | $92,000 | $23,000 | $30,000 | $74,000 | $171,000 |
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 | 42 | $12,566,000 | $299,000 | $1,540,000 | $401,000 | $1,725,000 |
| Not applicable | 28 | $19,359,000 | $691,000 | $3,200,000 | $0 | $0 |
| Not Provided | 1 | $144,000 | $144,000 | $144,000 | $144,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $588,000 | $588,000 | $588,000 | $239,000 | $239,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 72 | $32,657,000 | $453,000 | $3,200,000 | $239,000 | $1,725,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 60 | $26,938,000 | $448,000 | $3,200,000 | $242,000 | $1,725,000 |
| Application Approved But Not Accepted | 6 | $1,814,000 | $302,000 | $620,000 | $385,000 | $870,000 |
| Application Denied By Financial Institution | 3 | $700,000 | $233,000 | $336,000 | $118,000 | $144,000 |
| Application Withdrawn By Applicant | 3 | $3,205,000 | $1,068,000 | $1,537,000 | $0 | $0 |
| 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 | 1 | $336,000 | $336,000 | $336,000 | $120,000 | $120,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Steele Street Bank & Trust's 2007 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 Steele Street Bank & Trust'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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