United Western Bank Mortgage Lending & HMDA Data, 2003
In 2003, United Western Bank of Denver, CO reported 2,228 mortgage applications totaling $703.5 million. The average application was for $315,745, and applicants reported an average income of $5,489. 9% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Atlanta, GA (833), Las Cruces, NM (193) and Chicago, IL (115) (applications in parentheses).
| Mortgage Company & Address | United Western Bank 700 17th St Denver, CO 80202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,228 |
| Total Mortgage Loan Application Amount | $703,482,000 |
| Average Mortgage Loan Application Amount | $315,745 |
| Highest Mortgage Loan Application Amount | $3,248,000 |
| Average Applicant Income | $5,489 |
| Highest Applicant Income | $535,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Western Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta, GA | 833 | $ 154,323,000 | $ 185,261 | $ 0 |
| Las Cruces, NM | 193 | $ 16,809,000 | $ 87,093 | $ 52,000 |
| Chicago, IL | 115 | $ 53,253,000 | $ 463,069 | $ 0 |
| Oakland, CA | 54 | $ 24,202,000 | $ 448,185 | $ 0 |
| Boston, MA-NH | 49 | $ 18,360,000 | $ 374,693 | $ 0 |
| Denver, CO | 49 | $ 25,001,000 | $ 510,224 | $ 8,000 |
| Los Angeles-Long Beach, CA | 48 | $ 22,809,000 | $ 475,187 | $ 0 |
| Orange County, CA | 48 | $ 22,083,000 | $ 460,062 | $ 0 |
| San Jose, CA | 42 | $ 20,137,000 | $ 479,452 | $ 0 |
| Dallas, TX | 36 | $ 22,201,000 | $ 616,694 | $ 0 |
| San Diego, CA | 35 | $ 15,469,000 | $ 441,971 | $ 0 |
| San Francisco, CA | 34 | $ 18,785,000 | $ 552,500 | $ 0 |
| Seattle-Bellevue-Everett, WA | 31 | $ 12,816,000 | $ 413,419 | $ 0 |
| Detroit, MI | 26 | $ 11,651,000 | $ 448,115 | $ 0 |
| Phoenix-Mesa, AZ | 24 | $ 9,993,000 | $ 416,375 | $ 34,000 |
| New York, NY | 18 | $ 6,591,000 | $ 366,166 | $ 0 |
| Yolo, CA | 18 | $ 6,007,000 | $ 333,722 | $ 0 |
| Riverside-San Bernardino, CA | 16 | $ 6,418,000 | $ 401,125 | $ 0 |
| Houston, TX | 15 | $ 7,000,000 | $ 466,666 | $ 0 |
| Sacramento, CA | 15 | $ 5,429,000 | $ 361,933 | $ 0 |
| Savannah, GA | 13 | $ 2,415,000 | $ 185,769 | $ 0 |
| Albuquerque, NM | 12 | $ 3,532,000 | $ 294,333 | $ 18,000 |
| Newark, NJ | 12 | $ 5,148,000 | $ 429,000 | $ 0 |
| Minneapolis-St. Paul, MN-WI | 11 | $ 5,481,000 | $ 498,272 | $ 0 |
| St. Louis, MO-IL | 11 | $ 4,780,000 | $ 434,545 | $ 0 |
| Philadelphia, PA-NJ | 10 | $ 3,966,000 | $ 396,600 | $ 0 |
| Santa Barbara-Santa Maria-Lompoc, CA | 10 | $ 5,240,000 | $ 524,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 10 | $ 4,128,000 | $ 412,800 | $ 0 |
| Stamford-Norwalk, CT | 10 | $ 4,746,000 | $ 474,600 | $ 0 |
| Baltimore, MD | 9 | $ 3,668,000 | $ 407,555 | $ 0 |
| Columbus, OH | 9 | $ 4,141,000 | $ 460,111 | $ 0 |
| Lubbock, TX | 9 | $ 10,613,000 | $ 1,179,222 | $ 13,000 |
| Indianapolis, IN | 8 | $ 3,405,000 | $ 425,625 | $ 0 |
| Portland-Vancouver, OR-WA | 8 | $ 3,838,000 | $ 479,750 | $ 0 |
| Washington, DC-MD-VA-WV | 8 | $ 3,862,000 | $ 482,750 | $ 0 |
| Colorado Springs, CO | 6 | $ 5,410,000 | $ 901,666 | $ 0 |
| Grand Rapids-Muskegon-Holland, MI | 6 | $ 2,600,000 | $ 433,333 | $ 0 |
| Monmouth-Ocean, NJ | 6 | $ 2,404,000 | $ 400,666 | $ 0 |
| Ventura, CA | 6 | $ 2,779,000 | $ 463,166 | $ 0 |
| Athens, GA | 5 | $ 698,000 | $ 139,600 | $ 0 |
| Bergen-Passaic, NJ | 5 | $ 2,775,000 | $ 555,000 | $ 0 |
| Columbus, GA-AL | 5 | $ 1,161,000 | $ 232,200 | $ 0 |
| Nashville, TN | 5 | $ 1,517,000 | $ 303,400 | $ 0 |
| New Orleans, LA | 5 | $ 2,195,000 | $ 439,000 | $ 0 |
| Portland, ME | 5 | $ 2,161,000 | $ 432,200 | $ 0 |
| Raleigh-Durham-Chapel Hill, NC | 5 | $ 2,474,000 | $ 494,800 | $ 0 |
| Austin-San Marcos, TX | 4 | $ 1,593,000 | $ 398,250 | $ 0 |
| Las Vegas, NV-AZ | 4 | $ 1,120,000 | $ 280,000 | $ 0 |
| Macon, GA | 4 | $ 745,000 | $ 186,250 | $ 0 |
| Providence-Fall River-Warwick, RI-MA | 4 | $ 1,654,000 | $ 413,500 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,484,000 | $ 371,000 | $ 0 |
| Boulder-Longmont, CO | 3 | $ 1,186,000 | $ 395,333 | $ 0 |
| Bridgeport, CT | 3 | $ 1,073,000 | $ 357,666 | $ 0 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 1,507,000 | $ 502,333 | $ 0 |
| Cleveland-Lorain-Elyria, OH | 3 | $ 1,587,000 | $ 529,000 | $ 0 |
| Danbury, CT | 3 | $ 1,747,000 | $ 582,333 | $ 0 |
| El Paso, TX | 3 | $ 153,000 | $ 51,000 | $ 40,000 |
| Fort Collins-Loveland, CO | 3 | $ 1,351,000 | $ 450,333 | $ 0 |
| Fort Wayne, IN | 3 | $ 1,483,000 | $ 494,333 | $ 0 |
| Fort Worth-Arlington, TX | 3 | $ 1,413,000 | $ 471,000 | $ 0 |
| Lawrence, MA-NH | 3 | $ 1,132,000 | $ 377,333 | $ 0 |
| Louisville, KY-IN | 3 | $ 1,535,000 | $ 511,666 | $ 0 |
| Middlesex-Somerset-Hunterdon, NJ | 3 | $ 1,664,000 | $ 554,666 | $ 0 |
| Nassau-Suffolk, NY | 3 | $ 698,000 | $ 232,666 | $ 0 |
| Newburgh, NY-PA | 3 | $ 324,000 | $ 108,000 | $ 0 |
| Salt Lake City-Ogden, UT | 3 | $ 1,323,000 | $ 441,000 | $ 0 |
| Santa Rosa, CA | 3 | $ 1,133,000 | $ 377,666 | $ 0 |
| Tacoma, WA | 3 | $ 1,151,000 | $ 383,666 | $ 0 |
| Worcester, MA-CT | 3 | $ 953,000 | $ 317,666 | $ 0 |
| Augusta-Aiken, GA-SC | 2 | $ 479,000 | $ 239,500 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 742,000 | $ 371,000 | $ 0 |
| Cincinnati, OH-KY-IN | 2 | $ 1,342,000 | $ 671,000 | $ 0 |
| Fresno, CA | 2 | $ 825,000 | $ 412,500 | $ 0 |
| Gary, IN | 2 | $ 461,000 | $ 230,500 | $ 0 |
| Hartford, CT | 2 | $ 1,132,000 | $ 566,000 | $ 0 |
| Jackson, MS | 2 | $ 974,000 | $ 487,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Memphis, TN-AR-MS | 2 | $ 568,000 | $ 284,000 | $ 0 |
| Merced, CA | 2 | $ 541,000 | $ 270,500 | $ 0 |
| New Haven-Meriden, CT | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Oklahoma City, OK | 2 | $ 4,218,000 | $ 2,109,000 | $ 0 |
| Omaha, NE-IA | 2 | $ 418,000 | $ 209,000 | $ 0 |
| Portsmouth-Rochester, NH-ME | 2 | $ 838,000 | $ 419,000 | $ 0 |
| Pueblo, CO | 2 | $ 2,214,000 | $ 1,107,000 | $ 0 |
| Richmond-Petersburg, VA | 2 | $ 888,000 | $ 444,000 | $ 0 |
| Salinas, CA | 2 | $ 879,000 | $ 439,500 | $ 0 |
| West Palm Beach-Boca Raton, FL | 2 | $ 1,136,000 | $ 568,000 | $ 0 |
| Abilene, TX | 1 | $ 712,000 | $ 712,000 | $ 0 |
| Akron, OH | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Albany, GA | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Atlantic-Cape May, NJ | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Barnstable-Yarmouth, MA | 1 | $ 478,000 | $ 478,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Birmingham, AL | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Brockton, MA | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Bryan-College Station, TX | 1 | $ 569,000 | $ 569,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Dayton-Springfield, OH | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Evansville-Henderson, IN-KY | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Flagstaff, AZ-UT | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Fort Lauderdale, FL | 1 | $ 616,000 | $ 616,000 | $ 0 |
| Fort Myers-Cape Coral, FL | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Fort Pierce-Port St. Lucie, FL | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Jackson, MI | 1 | $ 582,000 | $ 582,000 | $ 0 |
| Jacksonville, FL | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Jersey City, NJ | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Knoxville, TN | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Little Rock-North Little Rock, AR | 1 | $ 991,000 | $ 991,000 | $ 0 |
| Miami, FL | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Milwaukee-Waukesha, WI | 1 | $ 457,000 | $ 457,000 | $ 0 |
| Missoula, MT | 1 | $ 604,000 | $ 604,000 | $ 0 |
| Mobile, AL | 1 | $ 528,000 | $ 528,000 | $ 0 |
| Modesto, CA | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Montgomery, AL | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Nashua, NH | 1 | $ 271,000 | $ 271,000 | $ 0 |
| New London-Norwich, CT-RI | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Ocala, FL | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Odessa-Midland, TX | 1 | $ 518,000 | $ 518,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Pittsfield, MA | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Rockford, IL | 1 | $ 420,000 | $ 420,000 | $ 0 |
| San Antonio, TX | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Sarasota-Bradenton, FL | 1 | $ 491,000 | $ 491,000 | $ 0 |
| South Bend, IN | 1 | $ 100,000 | $ 100,000 | $ 0 |
| State College, PA | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Terre Haute, IN | 1 | $ 413,000 | $ 413,000 | $ 0 |
| Tucson, AZ | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Victoria, TX | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Wichita, KS | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Wilmington-Newark, DE-MD | 1 | $ 343,000 | $ 343,000 | $ 0 |
| Yakima, WA | 1 | $ 201,000 | $ 201,000 | $ 0 |
| York, PA | 1 | $ 400,000 | $ 400,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Western Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,351 | $439,507,000 | $429,219 | $998,000 | $1,804 | $535,000 |
| Home Purchase (one-to-four family) | 815 | $212,994,000 | $384,617 | $999,000 | $2,941 | $401,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 58 | $50,905,000 | $712,125 | $3,248,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 4 | $76,000 | $19,000 | $40,000 | $26,000 | $54,000 |
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 | 1,964 | $635,157,000 | $436,441 | $999,000 | $0 | $0 |
| White | 120 | $48,685,000 | $618,777 | $3,248,000 | $22,111 | $535,000 |
| Hispanic | 118 | $12,421,000 | $681,750 | $1,780,000 | $19,500 | $124,000 |
| Information not provided by applicant in mail or telephone application | 15 | $1,497,000 | $77,000 | $215,000 | $20,500 | $144,000 |
| Asian or Pacific Islander | 5 | $3,479,000 | $543,500 | $1,100,000 | $0 | $0 |
| Black | 4 | $2,038,000 | $509,000 | $1,669,000 | $18,500 | $60,000 |
| Other | 2 | $205,000 | $102,000 | $139,000 | $37,000 | $59,000 |
| 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) | 2,159 | $697,896,000 | $460,090 | $3,248,000 | $1,409 | $535,000 |
| FHA-insured (Federal Housing Administration) | 61 | $4,842,000 | $97,250 | $145,000 | $35,750 | $111,000 |
| VA-guaranteed (Veterans Administration) | 8 | $744,000 | $93,000 | $153,000 | $58,000 | $85,000 |
| 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 Purchased By The Institution | 1,962 | $634,117,000 | $441,302 | $999,000 | $0 | $0 |
| Loan Originated | 195 | $61,670,000 | $607,222 | $3,248,000 | $19,555 | $531,000 |
| Application Denied By Financial Institution | 71 | $7,695,000 | $474,000 | $2,570,000 | $21,000 | $535,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 27 | $2,696,000 | $99,000 | $288,000 | $87,000 | $535,000 |
| Credit History | 27 | $1,569,000 | $58,000 | $350,000 | $43,000 | $255,000 |
| Debt-To-Income Ratio | 10 | $687,000 | $68,000 | $191,000 | $18,000 | $57,000 |
| Other | 4 | $2,690,000 | $885,000 | $2,570,000 | $12,000 | $52,000 |
| Collateral | 3 | $53,000 | $19,000 | $24,000 | $26,500 | $28,000 |
| 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 United Western Bank's 2003 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 United Western Bank'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About