Steele Street Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Steele Street Bank & Trust of Denver, CO reported 76 mortgage applications totaling $35.9 million, down 59% from 2013. The average application was for $472,881, and applicants reported an average income of $305,065. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (69), Boulder, CO (1) and Colorado Springs, CO (1) (applications in parentheses).
| Mortgage Company & Address | Steele Street Bank & Trust 101 Cook Street Denver, CO 80206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 |
| Total Number of Mortgage Applications | 76 |
| Total Mortgage Loan Application Amount | $35,939,000 |
| Average Mortgage Loan Application Amount | $472,881 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $305,065 |
| Highest Applicant Income | $9,999,000 |
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records Steele Street Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Steele Street Bank & Trust 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 | 49 | $21,900,000 | $446,000 | $2,430,000 | $292,000 | $9,999,000 |
| Refinancing | 26 | $13,488,000 | $518,000 | $3,800,000 | $332,000 | $1,029,000 |
| Home Improvement | 1 | $551,000 | $551,000 | $551,000 | $245,000 | $245,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 37 | $23,763,000 | $642,000 | $3,800,000 | $0 | $0 |
| White | 25 | $8,601,000 | $344,000 | $1,538,000 | $434,000 | $1,029,000 |
| Not Provided | 13 | $3,024,000 | $232,000 | $675,000 | $932,000 | $9,999,000 |
| Hispanic | 1 | $551,000 | $551,000 | $551,000 | $245,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 76 | $35,939,000 | $472,000 | $3,800,000 | $305,000 | $9,999,000 |
| 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 | 65 | $27,809,000 | $427,000 | $3,000,000 | $322,000 | $9,999,000 |
| Application Approved But Not Accepted | 7 | $5,358,000 | $765,000 | $3,800,000 | $312,000 | $889,000 |
| Application Denied By Financial Institution | 3 | $2,590,000 | $863,000 | $2,075,000 | $26,000 | $78,000 |
| Application Withdrawn By Applicant | 1 | $182,000 | $182,000 | $182,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Steele Street Bank & Trust'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 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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