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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 | 3033 E. FIRST AVENUE
DENVER, CO 80206 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,077 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $169,932,000 |
| Average Mortgage Loan Amount Applied For | $235,077 |
| Highest Mortgage Loan Amount Applied For | $3,000,000 |
| Average Applicant Income | $139,727 |
| Highest Applicant Income | $1,284,000 |
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| Home Improvement |
98 | $4,440,000 |
$45,000 | $700,000 |
$68,000 | $434,000 |
| Home Purchase |
674 | $106,765,000 |
$158,000 | $2,434,000 |
$103,000 | $1,137,000 |
| Refinancing |
305 | $58,727,000 |
$192,000 | $3,000,000 |
$104,000 | $1,284,000 |
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| American Indian or Alaskan Native |
1 | $169,000 |
$169,000 | $169,000 |
$71,000 | $71,000 |
| Asian |
9 | $1,580,000 |
$175,000 | $344,000 |
$110,000 | $324,000 |
| Black or African American |
27 | $5,481,000 |
$203,000 | $1,278,000 |
$77,000 | $228,000 |
| Hispanic |
67 | $5,917,000 |
$88,000 | $312,000 |
$58,000 | $276,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $178,000 |
$178,000 | $178,000 |
$96,000 | $96,000 |
| Not applicable |
11 | $1,581,000 |
$143,000 | $302,000 |
$0 | $0 |
| Not Provided |
45 | $9,003,000 |
$200,000 | $940,000 |
$136,000 | $651,000 |
| White |
916 | $146,023,000 |
$159,000 | $3,000,000 |
$103,000 | $1,284,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
975 | $159,195,000 |
$163,000 | $3,000,000 |
$104,000 | $1,284,000 |
| FHA-insured (Federal Housing Administration) |
86 | $7,780,000 |
$90,000 | $285,000 |
$58,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
16 | $2,957,000 |
$184,000 | $330,000 |
$67,000 | $161,000 |
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| Application Approved But Not Accepted |
1 | $12,000 |
$12,000 | $12,000 |
$21,000 | $21,000 |
| Application Denied By Financial Institution |
52 | $4,511,000 |
$86,000 | $618,000 |
$51,000 | $130,000 |
| Application Withdrawn By Applicant |
47 | $9,181,000 |
$195,000 | $1,600,000 |
$90,000 | $460,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
977 | $156,228,000 |
$159,000 | $3,000,000 |
$103,000 | $1,284,000 |
| 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 |
6 | $708,000 |
$118,000 | $220,000 |
$89,000 | $130,000 |
| Credit Application Incomplete |
1 | $185,000 |
$185,000 | $185,000 |
$0 | $0 |
| Credit History |
26 | $1,483,000 |
$57,000 | $300,000 |
$59,000 | $130,000 |
| Debt-To-Income Ratio |
11 | $836,000 |
$76,000 | $250,000 |
$36,000 | $80,000 |
| Employment History |
2 | $623,000 |
$311,000 | $618,000 |
$16,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $165,000 |
$55,000 | $126,000 |
$23,000 | $32,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $442,000 |
$221,000 | $335,000 |
$49,000 | $70,000 |
| Unverifiable Information |
1 | $69,000 |
$69,000 | $69,000 |
$0 | $0 |
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Mortgage Loan App Totals for AMERICAN NATIONAL BANK by:
Metropolitan Area And
County
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