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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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LOS ALAMOS NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LOS ALAMOS NATIONAL BANK |
| Address | P.O. BOX 60
LOS ALAMOS, NM 87544 |
| 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 | 1,781 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $275,949,000 |
| Average Mortgage Loan Amount Applied For | $153,210 |
| Highest Mortgage Loan Amount Applied For | $3,710,000 |
| Average Applicant Income | $124,315 |
| Highest Applicant Income | $869,000 |
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| Home Improvement |
174 | $4,796,000 |
$27,000 | $349,000 |
$91,000 | $391,000 |
| Home Purchase |
807 | $153,161,000 |
$189,000 | $3,710,000 |
$111,000 | $869,000 |
| Refinancing |
828 | $124,626,000 |
$150,000 | $1,500,000 |
$95,000 | $768,000 |
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| American Indian or Alaskan Native |
12 | $1,836,000 |
$153,000 | $390,000 |
$103,000 | $232,000 |
| Asian |
27 | $5,727,000 |
$212,000 | $410,000 |
$129,000 | $269,000 |
| Black or African American |
9 | $2,130,000 |
$236,000 | $584,000 |
$108,000 | $169,000 |
| Hispanic |
474 | $55,671,000 |
$117,000 | $755,000 |
$84,000 | $784,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $190,000 |
$95,000 | $184,000 |
$89,000 | $89,000 |
| Not applicable |
42 | $15,899,000 |
$378,000 | $3,710,000 |
$0 | $0 |
| Not Provided |
182 | $23,667,000 |
$130,000 | $1,310,000 |
$99,000 | $869,000 |
| White |
1,061 | $177,463,000 |
$167,000 | $1,500,000 |
$114,000 | $719,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,809 | $282,583,000 |
$156,000 | $3,710,000 |
$102,000 | $869,000 |
| 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 |
64 | $10,673,000 |
$166,000 | $620,000 |
$107,000 | $784,000 |
| Application Denied By Financial Institution |
58 | $8,742,000 |
$150,000 | $755,000 |
$68,000 | $348,000 |
| Application Withdrawn By Applicant |
8 | $1,115,000 |
$139,000 | $383,000 |
$48,000 | $102,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,651 | $255,419,000 |
$154,000 | $3,710,000 |
$103,000 | $869,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
14 | $4,477,000 |
$319,000 | $584,000 |
$132,000 | $389,000 |
| Preapproval Denied by Financial Institution |
14 | $2,157,000 |
$154,000 | $280,000 |
$64,000 | $185,000 |
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| Collateral |
2 | $229,000 |
$114,000 | $125,000 |
$181,000 | $250,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
36 | $4,283,000 |
$118,000 | $378,000 |
$56,000 | $150,000 |
| Debt-To-Income Ratio |
33 | $6,287,000 |
$190,000 | $755,000 |
$73,000 | $348,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $100,000 |
$100,000 | $100,000 |
$41,000 | $41,000 |
| 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 LOS ALAMOS NATIONAL BANK by:
Metropolitan Area And
County
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