Steele Street Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Steele Street Bank & Trust of Denver, CO reported 185 mortgage applications totaling $66.2 million. The average application was for $358,048, and applicants reported an average income of $323,908. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (176) and Boulder, CO (1).
| 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 | 185 |
| Total Mortgage Loan Application Amount | $66,239,000 |
| Average Mortgage Loan Application Amount | $358,048 |
| Highest Mortgage Loan Application Amount | $3,330,000 |
| Average Applicant Income | $323,908 |
| Highest Applicant Income | $1,347,000 |
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records Steele Street Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denver, Colorado | 79 | $ 32,995,000 | $ 417,658 | $ 223,000 |
| Arapahoe, Colorado | 68 | $ 13,756,000 | $ 202,294 | $ 459,000 |
| Adams, Colorado | 16 | $ 2,251,000 | $ 140,687 | $ 337,000 |
| Douglas, Colorado | 6 | $ 3,173,000 | $ 528,833 | $ 220,000 |
| Jefferson, Colorado | 6 | $ 3,897,000 | $ 649,500 | $ 111,000 |
| Eagle, Colorado | 4 | $ 5,315,000 | $ 1,328,750 | $ 480,000 |
| Boulder, Colorado | 1 | $ 592,000 | $ 592,000 | $ 66,000 |
| Broomfield, Colorado | 1 | $ 900,000 | $ 900,000 | $ 347,000 |
| Chaffee, Colorado | 1 | $ 500,000 | $ 500,000 | $ 82,000 |
| Garfield, Colorado | 1 | $ 1,150,000 | $ 1,150,000 | $ 1,258,000 |
| Kit Carson, Colorado | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| La Plata, Colorado | 1 | $ 610,000 | $ 610,000 | $ 0 |
Mortgage Loan Application Detail Totals for Steele Street Bank & Trust in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 125 | $34,294,000 | $274,000 | $2,835,000 | $407,000 | $1,347,000 |
| Home Purchase | 57 | $30,809,000 | $540,000 | $3,330,000 | $150,000 | $1,258,000 |
| Home Improvement | 3 | $1,136,000 | $378,000 | $512,000 | $166,000 | $314,000 |
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 | 133 | $40,094,000 | $301,000 | $2,835,000 | $411,000 | $1,347,000 |
| Not applicable | 33 | $16,445,000 | $498,000 | $3,330,000 | $0 | $0 |
| Not Provided | 16 | $7,977,000 | $498,000 | $1,429,000 | $297,000 | $1,258,000 |
| Asian | 2 | $1,561,000 | $780,000 | $1,296,000 | $140,000 | $280,000 |
| Hispanic | 1 | $162,000 | $162,000 | $162,000 | $248,000 | $248,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 185 | $66,239,000 | $358,000 | $3,330,000 | $324,000 | $1,347,000 |
| 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 | 150 | $41,943,000 | $279,000 | $2,835,000 | $336,000 | $922,000 |
| Application Approved But Not Accepted | 22 | $14,646,000 | $665,000 | $1,848,000 | $302,000 | $1,258,000 |
| Application Denied By Financial Institution | 10 | $5,560,000 | $556,000 | $1,687,000 | $284,000 | $1,347,000 |
| Application Withdrawn By Applicant | 3 | $4,090,000 | $1,363,000 | $3,330,000 | $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 2013 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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