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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 NATIONAL BANK OF COLORAD
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF COLORAD |
| Address | 3033 IRIS AVENUE
BOULDER, CO 80301 |
| 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 | 852 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $175,562,000 |
| Average Mortgage Loan Amount Applied For | $243,119 |
| Highest Mortgage Loan Amount Applied For | $4,250,000 |
| Average Applicant Income | $143,047 |
| Highest Applicant Income | $2,839,000 |
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| Home Improvement |
45 | $3,682,000 |
$81,000 | $560,000 |
$123,000 | $526,000 |
| Home Purchase |
543 | $114,785,000 |
$211,000 | $4,250,000 |
$107,000 | $2,839,000 |
| Refinancing |
270 | $57,800,000 |
$214,000 | $1,388,000 |
$186,000 | $2,546,000 |
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| American Indian or Alaskan Native |
1 | $417,000 |
$417,000 | $417,000 |
$168,000 | $168,000 |
| Asian |
12 | $1,370,000 |
$114,000 | $213,000 |
$73,000 | $171,000 |
| Black or African American |
2 | $310,000 |
$155,000 | $307,000 |
$62,000 | $90,000 |
| Hispanic |
41 | $4,602,000 |
$112,000 | $500,000 |
$60,000 | $152,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
23 | $7,213,000 |
$313,000 | $4,250,000 |
$0 | $0 |
| Not Provided |
203 | $41,752,000 |
$205,000 | $1,000,000 |
$131,000 | $1,454,000 |
| White |
576 | $120,603,000 |
$209,000 | $3,000,000 |
$145,000 | $2,839,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
794 | $164,798,000 |
$207,000 | $4,250,000 |
$138,000 | $2,839,000 |
| FHA-insured (Federal Housing Administration) |
58 | $10,235,000 |
$176,000 | $325,000 |
$65,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $1,234,000 |
$205,000 | $292,000 |
$62,000 | $90,000 |
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| Application Approved But Not Accepted |
7 | $1,625,000 |
$232,000 | $975,000 |
$147,000 | $646,000 |
| Application Denied By Financial Institution |
38 | $2,348,000 |
$61,000 | $320,000 |
$65,000 | $206,000 |
| Application Withdrawn By Applicant |
106 | $21,968,000 |
$207,000 | $693,000 |
$129,000 | $1,454,000 |
| File Closed For Incompleteness |
10 | $1,997,000 |
$199,000 | $512,000 |
$81,000 | $143,000 |
| Loan Originated |
656 | $137,019,000 |
$208,000 | $4,250,000 |
$112,000 | $1,258,000 |
| Loan Purchased By The Institution |
35 | $10,605,000 |
$303,000 | $734,000 |
$634,000 | $2,839,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
6 | $705,000 |
$117,000 | $210,000 |
$23,000 | $50,000 |
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| Collateral |
7 | $838,000 |
$119,000 | $320,000 |
$71,000 | $204,000 |
| Credit Application Incomplete |
5 | $323,000 |
$64,000 | $150,000 |
$47,000 | $85,000 |
| Credit History |
15 | $1,169,000 |
$77,000 | $210,000 |
$47,000 | $120,000 |
| Debt-To-Income Ratio |
12 | $555,000 |
$46,000 | $150,000 |
$66,000 | $206,000 |
| Employment History |
4 | $93,000 |
$23,000 | $75,000 |
$46,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $75,000 |
$75,000 | $75,000 |
$189,000 | $189,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF COLORAD by:
Metropolitan Area And
County
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