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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 WYOMING
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF WYOMING |
| Address | 2020 GRAND AVENUE
LARAMIE, WY 82070 |
| 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 | 118 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,737,000 |
| Average Mortgage Loan Amount Applied For | $119,181 |
| Highest Mortgage Loan Amount Applied For | $453,000 |
| Average Applicant Income | $94,909 |
| Highest Applicant Income | $447,000 |
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| Home Improvement |
5 | $297,000 |
$59,000 | $123,000 |
$28,000 | $80,000 |
| Home Purchase |
71 | $11,634,000 |
$163,000 | $453,000 |
$67,000 | $447,000 |
| Refinancing |
42 | $6,806,000 |
$162,000 | $450,000 |
$115,000 | $404,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
8 | $671,000 |
$83,000 | $200,000 |
$93,000 | $138,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $113,000 |
$37,000 | $71,000 |
$75,000 | $149,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
4 | $494,000 |
$123,000 | $304,000 |
$62,000 | $216,000 |
| White |
103 | $17,459,000 |
$169,000 | $453,000 |
$83,000 | $447,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
115 | $18,284,000 |
$158,000 | $453,000 |
$82,000 | $447,000 |
| FHA-insured (Federal Housing Administration) |
2 | $260,000 |
$130,000 | $132,000 |
$107,000 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $193,000 |
$193,000 | $193,000 |
$61,000 | $61,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
18 | $1,428,000 |
$79,000 | $300,000 |
$102,000 | $259,000 |
| Application Withdrawn By Applicant |
20 | $3,696,000 |
$184,000 | $417,000 |
$55,000 | $164,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
80 | $13,613,000 |
$170,000 | $453,000 |
$85,000 | $447,000 |
| 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 |
10 | $586,000 |
$58,000 | $154,000 |
$116,000 | $216,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $461,000 |
$92,000 | $300,000 |
$66,000 | $99,000 |
| Debt-To-Income Ratio |
3 | $381,000 |
$127,000 | $153,000 |
$114,000 | $259,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF WYOMING by:
Metropolitan Area And
County
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