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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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AMERICAN NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN NATIONAL BANK |
| Address | 1912 CAPITOL AVENUE
CHEYENNE, WY 82001 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 772 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $82,119,000 |
| Average Mortgage Loan Amount Applied For | $92,111 |
| Highest Mortgage Loan Amount Applied For | $438,000 |
| Average Applicant Income | $49,277 |
| Highest Applicant Income | $431,000 |
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| Home Improvement (one-to-four family) |
1 | $30,000 |
$30,000 | $30,000 |
$0 | $0 |
| Home Purchase (one-to-four family) |
371 | $36,370,000 |
$118,500 | $438,000 |
$49,500 | $431,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
400 | $45,719,000 |
$123,000 | $413,000 |
$46,000 | $421,000 |
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| American Indian or Alaskan Native |
1 | $69,000 |
$69,000 | $69,000 |
$22,000 | $22,000 |
| Asian or Pacific Islander |
4 | $378,000 |
$94,000 | $115,000 |
$42,000 | $53,000 |
| Black |
5 | $686,000 |
$137,000 | $323,000 |
$80,000 | $122,000 |
| Hispanic |
40 | $3,294,000 |
$82,000 | $177,000 |
$38,000 | $95,000 |
| Information not provided by applicant in mail or telephone application |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $116,000 |
$116,000 | $116,000 |
$58,000 | $58,000 |
| White |
721 | $77,576,000 |
$121,500 | $438,000 |
$48,500 | $431,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
624 | $71,546,000 |
$129,500 | $438,000 |
$64,000 | $431,000 |
| FHA-insured (Federal Housing Administration) |
92 | $3,590,000 |
$75,500 | $302,000 |
$32,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
56 | $6,983,000 |
$130,000 | $221,000 |
$36,500 | $97,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
10 | $683,000 |
$68,000 | $108,000 |
$36,000 | $120,000 |
| Application Withdrawn By Applicant |
38 | $4,660,000 |
$122,000 | $323,000 |
$51,000 | $310,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
724 | $76,776,000 |
$120,500 | $438,000 |
$48,000 | $431,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $58,000 |
$58,000 | $58,000 |
$42,000 | $42,000 |
| Credit Application Incomplete |
1 | $57,000 |
$57,000 | $57,000 |
$18,000 | $18,000 |
| Credit History |
5 | $304,000 |
$60,000 | $77,000 |
$56,000 | $120,000 |
| Debt-To-Income Ratio |
1 | $66,000 |
$66,000 | $66,000 |
$30,000 | $30,000 |
| 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 |
2 | $198,000 |
$99,000 | $108,000 |
$18,000 | $36,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for AMERICAN NATIONAL BANK by:
Metropolitan Area And
County
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