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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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FIRSTBANK OF NORTHERN COLORADO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRSTBANK OF NORTHERN COLORADO |
| Address | 1013 EAST HARMONY ROAD
FORT COLLINS, CO 80525 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 172 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,287,000 |
| Average Mortgage Loan Amount Applied For | $206,200 |
| Highest Mortgage Loan Amount Applied For | $6,140,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $313,000 |
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| Home Improvement |
25 | $1,037,000 |
$41,000 | $318,000 |
$87,000 | $206,000 |
| Home Purchase |
78 | $22,406,000 |
$287,000 | $6,140,000 |
$67,000 | $313,000 |
| Refinancing |
69 | $12,844,000 |
$186,000 | $1,674,000 |
$84,000 | $280,000 |
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| American Indian or Alaskan Native |
1 | $48,000 |
$48,000 | $48,000 |
$113,000 | $113,000 |
| Asian |
4 | $670,000 |
$167,000 | $252,000 |
$97,000 | $170,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
4 | $477,000 |
$119,000 | $207,000 |
$89,000 | $101,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $12,939,000 |
$588,000 | $6,140,000 |
$0 | $0 |
| Not Provided |
8 | $786,000 |
$98,000 | $265,000 |
$79,000 | $117,000 |
| White |
133 | $21,367,000 |
$160,000 | $800,000 |
$88,000 | $313,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
172 | $36,287,000 |
$210,000 | $6,140,000 |
$77,000 | $313,000 |
| 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) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
19 | $4,615,000 |
$242,000 | $958,000 |
$82,000 | $313,000 |
| Application Denied By Financial Institution |
11 | $1,600,000 |
$145,000 | $556,000 |
$90,000 | $247,000 |
| Application Withdrawn By Applicant |
4 | $1,214,000 |
$303,000 | $650,000 |
$67,000 | $96,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
137 | $28,548,000 |
$208,000 | $6,140,000 |
$76,000 | $280,000 |
| Loan Purchased By The Institution |
1 | $310,000 |
$310,000 | $310,000 |
$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 | $330,000 |
$165,000 | $320,000 |
$90,000 | $94,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $566,000 |
$283,000 | $556,000 |
$161,000 | $247,000 |
| Debt-To-Income Ratio |
5 | $474,000 |
$94,000 | $185,000 |
$76,000 | $118,000 |
| 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 | $230,000 |
$115,000 | $190,000 |
$57,000 | $63,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRSTBANK OF NORTHERN COLORADO by:
Metropolitan Area And
County
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