Yuma County, CO Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 363 mortgage applications in Yuma County, CO totaling $52.5 million, up 16% from 2015. The average application was for $144,000, and applicants reported an average income of $57,000. 49% of applications resulted in an originated loan and 22% were denied. The most active lender was Equitable Savings & Loan Assoc, with 74 applications, followed by Bank of Colorado and Wray State Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 363 |
| Total Mortgage Loan Application Amount | $52,470,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $1,159,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $310,000 |
Top Mortgage Lenders in Yuma County, CO (2016)
Ranked by the number of mortgage applications each lender reported in Yuma County, CO in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Equitable Savings & Loan Assoc Sterling, CO |
74 | $9,526,000 | $128,000 | $59,000 |
| 2 | Bank of Colorado Fort Collins, CO |
42 | $5,939,000 | $141,000 | $65,000 |
| 3 | Wray State Bank Wray, CO |
33 | $5,320,000 | $161,000 | $28,000 |
| 4 | loanDepot.com LLC Irvine, CA |
22 | $3,200,000 | $145,000 | $54,000 |
| 5 | Amcap Mortgage, Ltd. Austin, TX |
21 | $3,368,000 | $160,000 | $58,000 |
| 6 | Premier Home Mortgage, Inc. Rapid City, SD |
10 | $1,828,000 | $182,000 | $61,000 |
| 7 | Bokf NA Tulsa, OK |
10 | $1,646,000 | $164,000 | $62,000 |
| 8 | American Financing Corporation Aurora, CO |
9 | $1,135,000 | $126,000 | $82,000 |
| 9 | Wells Fargo Bank NA Minneapolis, MN |
8 | $992,000 | $124,000 | $75,000 |
| 10 | Ditech Financial LLC Fort Washington, PA |
7 | $964,000 | $137,000 | $104,000 |
The tables below break down 2016 mortgage applications in Yuma County, CO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Yuma County, CO in 2016
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 | 183 | $25,597,000 | $139,000 | $417,000 | $58,000 | $310,000 |
| Refinancing | 158 | $25,648,000 | $162,000 | $1,159,000 | $55,000 | $176,000 |
| Home Improvement | 22 | $1,225,000 | $55,000 | $229,000 | $63,000 | $140,000 |
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 | 269 | $40,372,000 | $150,000 | $1,159,000 | $64,000 | $310,000 |
| Hispanic | 40 | $3,761,000 | $94,000 | $285,000 | $46,000 | $159,000 |
| Not applicable | 39 | $6,320,000 | $162,000 | $512,000 | $19,000 | $269,000 |
| Not Provided | 13 | $1,787,000 | $137,000 | $226,000 | $57,000 | $123,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $174,000 | $174,000 | $174,000 | $25,000 | $25,000 |
| American Indian or Alaskan Native | 1 | $56,000 | $56,000 | $56,000 | $13,000 | $13,000 |
| 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) | 225 | $33,323,000 | $148,000 | $1,159,000 | $62,000 | $310,000 |
| FHA-insured (Federal Housing Administration) | 59 | $7,751,000 | $131,000 | $250,000 | $47,000 | $269,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $5,914,000 | $125,000 | $278,000 | $40,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 32 | $5,482,000 | $171,000 | $268,000 | $62,000 | $174,000 |
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 | 177 | $26,401,000 | $149,000 | $1,159,000 | $62,000 | $310,000 |
| Application Denied By Financial Institution | 79 | $10,392,000 | $131,000 | $320,000 | $54,000 | $162,000 |
| Loan Purchased By The Institution | 47 | $7,530,000 | $160,000 | $417,000 | $34,000 | $269,000 |
| Application Withdrawn By Applicant | 37 | $5,201,000 | $140,000 | $268,000 | $71,000 | $159,000 |
| Application Approved But Not Accepted | 13 | $1,732,000 | $133,000 | $198,000 | $67,000 | $156,000 |
| File Closed For Incompleteness | 10 | $1,214,000 | $121,000 | $232,000 | $36,000 | $112,000 |
| 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 | 9 | $1,021,000 | $113,000 | $232,000 | $61,000 | $114,000 |
| Other | 9 | $1,212,000 | $134,000 | $278,000 | $51,000 | $82,000 |
| Debt-To-Income Ratio | 8 | $922,000 | $115,000 | $250,000 | $49,000 | $118,000 |
| Collateral | 8 | $737,000 | $92,000 | $179,000 | $47,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $615,000 | $102,000 | $163,000 | $38,000 | $69,000 |
| Credit Application Incomplete | 5 | $529,000 | $105,000 | $177,000 | $66,000 | $73,000 |
| Unverifiable Information | 3 | $469,000 | $156,000 | $190,000 | $82,000 | $115,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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