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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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ALPINE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ALPINE BANK |
| Address | 2200 GRAND AVENUE
GLENWOOD SPRINGS, CO 81601 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 956 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $294,156,000 |
| Average Mortgage Loan Amount Applied For | $325,264 |
| Highest Mortgage Loan Amount Applied For | $5,000,000 |
| Average Applicant Income | $188,823 |
| Highest Applicant Income | $4,790,000 |
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| Home Improvement |
52 | $9,621,000 |
$185,000 | $4,300,000 |
$56,000 | $212,000 |
| Home Purchase |
585 | $174,091,000 |
$297,000 | $4,519,000 |
$201,000 | $4,790,000 |
| Refinancing |
319 | $110,444,000 |
$346,000 | $5,000,000 |
$173,000 | $3,603,000 |
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| American Indian or Alaskan Native |
4 | $227,000 |
$56,000 | $88,000 |
$65,000 | $119,000 |
| Asian |
4 | $434,000 |
$108,000 | $180,000 |
$105,000 | $119,000 |
| Black or African American |
1 | $205,000 |
$205,000 | $205,000 |
$82,000 | $82,000 |
| Hispanic |
76 | $8,771,000 |
$115,000 | $824,000 |
$76,000 | $456,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
38 | $33,060,000 |
$870,000 | $4,519,000 |
$8,000 | $327,000 |
| Not Provided |
55 | $21,821,000 |
$396,000 | $4,430,000 |
$244,000 | $2,400,000 |
| White |
778 | $229,638,000 |
$295,000 | $5,000,000 |
$199,000 | $4,790,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
944 | $292,173,000 |
$309,000 | $5,000,000 |
$185,000 | $4,790,000 |
| FHA-insured (Federal Housing Administration) |
11 | $1,771,000 |
$161,000 | $216,000 |
$73,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $212,000 |
$212,000 | $212,000 |
$64,000 | $64,000 |
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| Application Approved But Not Accepted |
56 | $13,522,000 |
$241,000 | $920,000 |
$131,000 | $2,400,000 |
| Application Denied By Financial Institution |
68 | $11,458,000 |
$168,000 | $4,500,000 |
$80,000 | $1,778,000 |
| Application Withdrawn By Applicant |
17 | $5,370,000 |
$315,000 | $1,455,000 |
$262,000 | $3,134,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
815 | $263,806,000 |
$323,000 | $5,000,000 |
$194,000 | $4,790,000 |
| 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 |
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| Collateral |
12 | $1,956,000 |
$163,000 | $910,000 |
$71,000 | $120,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
19 | $1,213,000 |
$63,000 | $149,000 |
$52,000 | $110,000 |
| Debt-To-Income Ratio |
27 | $6,844,000 |
$253,000 | $4,500,000 |
$115,000 | $1,778,000 |
| Employment History |
4 | $717,000 |
$179,000 | $416,000 |
$44,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $495,000 |
$123,000 | $185,000 |
$60,000 | $65,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $216,000 |
$216,000 | $216,000 |
$50,000 | $50,000 |
| Unverifiable Information |
1 | $17,000 |
$17,000 | $17,000 |
$53,000 | $53,000 |
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Mortgage Loan App Totals for ALPINE BANK by:
Metropolitan Area And
County
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