United Western Bank Mortgage Lending & HMDA Data, 2005
In 2005, United Western Bank of Denver, CO reported 1,728 mortgage applications totaling $507.0 million, down 9% from 2004. The average application was for $293,418, and applicants reported an average income of $32. 2% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Oklahoma City, OK (141), Chicago-Naperville-Joliet, IL (102) and Los Angeles-Long Beach-Glendale, CA (89) (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 | 1,728 |
| Total Mortgage Loan Application Amount | $507,028,000 |
| Average Mortgage Loan Application Amount | $293,418 |
| Highest Mortgage Loan Application Amount | $3,617,000 |
| Average Applicant Income | $32 |
| Highest Applicant Income | $36,000 |
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Act (HMDA) records United Western Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oklahoma City, OK | 141 | $ 3,506,000 | $ 24,865 | $ 0 |
| Chicago-Naperville-Joliet, IL | 102 | $ 40,372,000 | $ 395,803 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 89 | $ 35,582,000 | $ 399,797 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 85 | $ 38,791,000 | $ 456,364 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 70 | $ 30,622,000 | $ 437,457 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 54 | $ 14,764,000 | $ 273,407 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 44 | $ 17,250,000 | $ 392,045 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 38 | $ 16,481,000 | $ 433,710 | $ 0 |
| Oakland-Fremont-Hayward, CA | 37 | $ 18,234,000 | $ 492,810 | $ 0 |
| Denver-Aurora, CO | 36 | $ 10,079,000 | $ 279,972 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 28 | $ 6,820,000 | $ 243,571 | $ 0 |
| Baltimore-Towson, MD | 25 | $ 8,850,000 | $ 354,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 25 | $ 12,289,000 | $ 491,560 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 23 | $ 10,841,000 | $ 471,347 | $ 0 |
| St. Louis, MO-IL | 22 | $ 6,158,000 | $ 279,909 | $ 0 |
| Lake County-Kenosha County, IL-WI | 21 | $ 7,803,000 | $ 371,571 | $ 0 |
| Dallas-Plano-Irving, TX | 18 | $ 13,650,000 | $ 758,333 | $ 3,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 15 | $ 5,194,000 | $ 346,266 | $ 0 |
| Las Vegas-Paradise, NV | 14 | $ 6,622,000 | $ 473,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 13 | $ 3,728,000 | $ 286,769 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 13 | $ 6,615,000 | $ 508,846 | $ 0 |
| Seattle-Bellevue-Everett, WA | 13 | $ 3,709,000 | $ 285,307 | $ 0 |
| Edison, NJ | 10 | $ 3,835,000 | $ 383,500 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 4,232,000 | $ 423,200 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 9 | $ 1,878,000 | $ 208,666 | $ 0 |
| Cambridge-Newton-Framingham, MA | 7 | $ 2,934,000 | $ 419,142 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 2,605,000 | $ 372,142 | $ 0 |
| Santa Cruz-Watsonville, CA | 7 | $ 3,388,000 | $ 484,000 | $ 0 |
| Tucson, AZ | 7 | $ 2,008,000 | $ 286,857 | $ 0 |
| Boston-Quincy, MA | 6 | $ 2,391,000 | $ 398,500 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,745,000 | $ 457,500 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 1,769,000 | $ 294,833 | $ 0 |
| Indianapolis, IN | 6 | $ 1,866,000 | $ 311,000 | $ 0 |
| San Antonio, TX | 6 | $ 2,517,000 | $ 419,500 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 2,036,000 | $ 339,333 | $ 0 |
| Ann Arbor, MI | 5 | $ 1,737,000 | $ 347,400 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 5 | $ 1,483,000 | $ 296,600 | $ 0 |
| Fort Collins-Loveland, CO | 5 | $ 1,359,000 | $ 271,800 | $ 0 |
| Fort Worth-Arlington, TX | 5 | $ 2,580,000 | $ 516,000 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 1,702,000 | $ 340,400 | $ 0 |
| Orlando, FL | 5 | $ 1,405,000 | $ 281,000 | $ 0 |
| Philadelphia, PA | 5 | $ 1,634,000 | $ 326,800 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 5 | $ 1,477,000 | $ 295,400 | $ 0 |
| Reno-Sparks, NV | 5 | $ 2,181,000 | $ 436,200 | $ 0 |
| Richmond, VA | 5 | $ 1,486,000 | $ 297,200 | $ 0 |
| Salt Lake City, UT | 5 | $ 1,207,000 | $ 241,400 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,070,000 | $ 214,000 | $ 0 |
| Vallejo-Fairfield, CA | 5 | $ 1,782,000 | $ 356,400 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 2,172,000 | $ 434,400 | $ 0 |
| Wilmington, NC | 5 | $ 1,235,000 | $ 247,000 | $ 0 |
| Boulder, CO | 4 | $ 1,729,000 | $ 432,250 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 951,000 | $ 237,750 | $ 0 |
| Essex County, MA | 4 | $ 1,559,000 | $ 389,750 | $ 0 |
| Jacksonville, FL | 4 | $ 987,000 | $ 246,750 | $ 0 |
| Louisville, KY-IN | 4 | $ 1,230,000 | $ 307,500 | $ 0 |
| Provo-Orem, UT | 4 | $ 1,017,000 | $ 254,250 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 1,407,000 | $ 351,750 | $ 0 |
| Tacoma, WA | 4 | $ 1,153,000 | $ 288,250 | $ 0 |
| Asheville, NC | 3 | $ 955,000 | $ 318,333 | $ 0 |
| Austin-Round Rock, TX | 3 | $ 1,029,000 | $ 343,000 | $ 0 |
| Birmingham-Hoover, AL | 3 | $ 1,117,000 | $ 372,333 | $ 0 |
| Colorado Springs, CO | 3 | $ 1,987,000 | $ 662,333 | $ 0 |
| Harrisburg-Carlisle, PA | 3 | $ 353,000 | $ 117,666 | $ 0 |
| Lynchburg, VA | 3 | $ 455,000 | $ 151,666 | $ 0 |
| Nassau-Suffolk, NY | 3 | $ 784,000 | $ 261,333 | $ 0 |
| Panama City-Lynn Haven, FL | 3 | $ 1,754,000 | $ 584,666 | $ 0 |
| Raleigh-Cary, NC | 3 | $ 1,091,000 | $ 363,666 | $ 0 |
| Stockton, CA | 3 | $ 836,000 | $ 278,666 | $ 0 |
| Winchester, VA-WV | 3 | $ 1,341,000 | $ 447,000 | $ 0 |
| Winston-Salem, NC | 3 | $ 384,000 | $ 128,000 | $ 0 |
| Akron, OH | 2 | $ 715,000 | $ 357,500 | $ 0 |
| Anchorage, AK | 2 | $ 2,172,000 | $ 1,086,000 | $ 0 |
| Barnstable Town, MA | 2 | $ 1,128,000 | $ 564,000 | $ 0 |
| Brunswick, GA | 2 | $ 768,000 | $ 384,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 494,000 | $ 247,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Durham, NC | 2 | $ 478,000 | $ 239,000 | $ 0 |
| Flint, MI | 2 | $ 341,000 | $ 170,500 | $ 0 |
| Gainesville, GA | 2 | $ 386,000 | $ 193,000 | $ 0 |
| Greensboro-High Point, NC | 2 | $ 282,000 | $ 141,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 632,000 | $ 316,000 | $ 0 |
| Huntsville, AL | 2 | $ 358,000 | $ 179,000 | $ 0 |
| Knoxville, TN | 2 | $ 359,000 | $ 179,500 | $ 0 |
| Merced, CA | 2 | $ 561,000 | $ 280,500 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 248,000 | $ 124,000 | $ 0 |
| Monroe, MI | 2 | $ 465,000 | $ 232,500 | $ 0 |
| Naples-Marco Island, FL | 2 | $ 1,043,000 | $ 521,500 | $ 0 |
| New Haven-Milford, CT | 2 | $ 663,000 | $ 331,500 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Newark-Union, NJ-PA | 2 | $ 459,000 | $ 229,500 | $ 0 |
| Pittsburgh, PA | 2 | $ 713,000 | $ 356,500 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 603,000 | $ 301,500 | $ 0 |
| Rockingham County-Strafford County, NH | 2 | $ 401,000 | $ 200,500 | $ 0 |
| Salinas, CA | 2 | $ 683,000 | $ 341,500 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 746,000 | $ 373,000 | $ 0 |
| Santa Fe, NM | 2 | $ 696,000 | $ 348,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 2 | $ 772,000 | $ 386,000 | $ 0 |
| Trenton-Ewing, NJ | 2 | $ 3,022,000 | $ 1,511,000 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 345,000 | $ 172,500 | $ 0 |
| Worcester, MA | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Anderson, SC | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Appleton, WI | 1 | $ 1,680,000 | $ 1,680,000 | $ 0 |
| Atlantic City, NJ | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Bakersfield, CA | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Burlington, NC | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Camden, NJ | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Chico, CA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Columbia, SC | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Columbus, IN | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Columbus, OH | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Dayton, OH | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Fairbanks, AK | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Fresno, CA | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Greeley, CO | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Greenville, SC | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Honolulu, HI | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Jackson, MI | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Jackson, MS | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Lafayette, IN | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Lakeland, FL | 1 | $ 619,000 | $ 619,000 | $ 0 |
| Las Cruces, NM | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lawton, OK | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 306,000 | $ 306,000 | $ 0 |
| Macon, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Mansfield, OH | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Medford, OR | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Modesto, CA | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Muskegon-Norton Shores, MI | 1 | $ 83,000 | $ 83,000 | $ 0 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Ocean City, NJ | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 2,064,000 | $ 2,064,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Peoria, IL | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Roanoke, VA | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Savannah, GA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| St. George, UT | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Toledo, OH | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Tulsa, OK | 1 | $ 983,000 | $ 983,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Western Bank in 2005
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 | 1,011 | $316,587,000 | $300,622 | $2,700,000 | $0 | $0 |
| Home Purchase | 715 | $190,212,000 | $391,951 | $3,617,000 | $48 | $36,000 |
| Home Improvement | 2 | $229,000 | $114,000 | $160,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,701 | $492,265,000 | $305,553 | $3,617,000 | $0 | $0 |
| White | 15 | $8,684,000 | $561,444 | $1,872,000 | $0 | $0 |
| Not Provided | 5 | $2,533,000 | $522,750 | $930,000 | $0 | $0 |
| Black or African American | 3 | $859,000 | $277,000 | $480,000 | $9,000 | $36,000 |
| Hispanic | 3 | $2,247,000 | $749,000 | $939,000 | $0 | $0 |
| Asian | 1 | $440,000 | $440,000 | $440,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,612 | $500,866,000 | $323,063 | $3,617,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 63 | $3,751,000 | $79,666 | $201,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 53 | $2,411,000 | $189,400 | $615,000 | $7,200 | $36,000 |
| 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 | 1,679 | $461,225,000 | $286,063 | $1,500,000 | $0 | $0 |
| Loan Originated | 28 | $23,762,000 | $992,200 | $2,700,000 | $0 | $0 |
| Application Denied By Financial Institution | 18 | $20,269,000 | $930,500 | $3,617,000 | $875 | $36,000 |
| Application Approved But Not Accepted | 2 | $1,292,000 | $646,000 | $692,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1 | $480,000 | $480,000 | $480,000 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $1,558,000 | $389,500 | $480,000 | $0 | $0 |
| Collateral | 4 | $10,866,000 | $2,416,333 | $3,617,000 | $0 | $0 |
| Other | 4 | $2,669,000 | $665,666 | $983,000 | $0 | $0 |
| Unverifiable Information | 4 | $4,377,000 | $1,094,000 | $2,064,000 | $9,000 | $36,000 |
| Debt-To-Income Ratio | 2 | $799,000 | $399,500 | $550,000 | $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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Western Bank's 2005 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.
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