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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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FIRST MAINSTREET BK NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST MAINSTREET BK NA |
| Address | 807 MOUNTAIN AVE
BERTHOUD, CO 80513 |
| Agency | Federal Reserve System (FRS) |
| Year | 2005 |
| All Data Years | 2005 |
| Total Number of Mortgage Loan Applications Processed | 76 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $8,852,000 |
| Average Mortgage Loan Amount Applied For | $144,166 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $63,500 |
| Highest Applicant Income | $300,000 |
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| Home Improvement |
19 | $802,000 |
$42,000 | $150,000 |
$58,000 | $162,000 |
| Home Purchase |
28 | $4,281,000 |
$152,000 | $390,000 |
$63,000 | $143,000 |
| Refinancing |
30 | $3,934,000 |
$131,000 | $750,000 |
$89,000 | $300,000 |
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| American Indian or Alaskan Native |
1 | $15,000 |
$15,000 | $15,000 |
$114,000 | $114,000 |
| Asian |
1 | $10,000 |
$10,000 | $10,000 |
$36,000 | $36,000 |
| Black or African American |
1 | $204,000 |
$204,000 | $204,000 |
$115,000 | $115,000 |
| Hispanic |
7 | $479,000 |
$68,000 | $188,000 |
$54,000 | $92,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $26,000 |
$8,000 | $14,000 |
$57,000 | $121,000 |
| White |
64 | $8,283,000 |
$129,000 | $750,000 |
$70,000 | $300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
76 | $8,784,000 |
$115,000 | $750,000 |
$68,000 | $300,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $233,000 |
$233,000 | $233,000 |
$88,000 | $88,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
9 | $1,186,000 |
$131,000 | $750,000 |
$74,000 | $300,000 |
| Application Withdrawn By Applicant |
12 | $1,592,000 |
$132,000 | $250,000 |
$46,000 | $96,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
56 | $6,239,000 |
$111,000 | $390,000 |
$77,000 | $211,000 |
| 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 |
2 | $20,000 |
$10,000 | $10,000 |
$37,000 | $38,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $967,000 |
$241,000 | $750,000 |
$107,000 | $300,000 |
| Debt-To-Income Ratio |
1 | $20,000 |
$20,000 | $20,000 |
$16,000 | $16,000 |
| Employment History |
1 | $165,000 |
$165,000 | $165,000 |
$31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $14,000 |
$14,000 | $14,000 |
$121,000 | $121,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST MAINSTREET BK NA by:
Metropolitan Area And
County
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