First National Bank Mortgage Lending & HMDA Data, 2009
In 2009, First National Bank of Fort Collins, CO reported 7,791 mortgage applications totaling $1.7 billion, up 88% from 2008. The average application was for $220,780, and applicants reported an average income of $90,003. 65% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Fort Collins-Loveland, CO (1,987), Denver-Aurora-Broomfield, CO (1,702) and Greeley, CO (1,060) (applications in parentheses).
| Mortgage Company & Address | First National Bank 205 W. Oak Street Fort Collins, CO 80522 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,791 |
| Total Mortgage Loan Application Amount | $1,720,099,000 |
| Average Mortgage Loan Application Amount | $220,780 |
| Highest Mortgage Loan Application Amount | $6,300,000 |
| Average Applicant Income | $90,003 |
| Highest Applicant Income | $6,240,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fort Collins-Loveland, CO | 1,987 | $ 420,985,000 | $ 211,869 | $ 94,000 |
| Denver-Aurora-Broomfield, CO | 1,702 | $ 388,056,000 | $ 228,000 | $ 93,000 |
| Greeley, CO | 1,060 | $ 197,337,000 | $ 186,166 | $ 77,000 |
| Colorado Springs, CO | 711 | $ 162,484,000 | $ 228,528 | $ 86,000 |
| Boulder, CO | 529 | $ 133,630,000 | $ 252,608 | $ 121,000 |
| Cheyenne, WY | 190 | $ 35,620,000 | $ 187,473 | $ 60,000 |
| Pueblo, CO | 140 | $ 19,909,000 | $ 142,207 | $ 52,000 |
| Kansas City, MO-KS | 112 | $ 20,447,000 | $ 182,562 | $ 78,642 |
| Phoenix-Mesa-Scottsdale, AZ | 53 | $ 10,548,000 | $ 199,018 | $ 63,000 |
| Las Cruces, NM | 45 | $ 8,131,000 | $ 180,688 | $ 89,000 |
| Albuquerque, NM | 39 | $ 7,471,000 | $ 191,564 | $ 26,000 |
| Grand Junction, CO | 22 | $ 5,204,000 | $ 236,545 | $ 65,000 |
| Los Angeles-Long Beach-Glendale, CA | 16 | $ 5,872,000 | $ 367,000 | $ 122,000 |
| Tucson, AZ | 15 | $ 3,049,000 | $ 203,266 | $ 66,000 |
| Anchorage, AK | 14 | $ 3,426,000 | $ 244,714 | $ 41,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 3,178,000 | $ 227,000 | $ 23,000 |
| Seattle-Bellevue-Everett, WA | 14 | $ 2,963,000 | $ 211,642 | $ 35,000 |
| Las Vegas-Paradise, NV | 13 | $ 14,886,000 | $ 1,145,076 | $ 106,000 |
| Portland-Vancouver-Beaverton, OR-WA | 13 | $ 2,802,000 | $ 215,538 | $ 17,692 |
| Provo-Orem, UT | 13 | $ 2,886,000 | $ 222,000 | $ 34,000 |
| Ogden-Clearfield, UT | 12 | $ 2,324,000 | $ 193,666 | $ 119,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 3,998,000 | $ 333,166 | $ 144,833 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 2,390,000 | $ 217,272 | $ 93,090 |
| Salt Lake City, UT | 10 | $ 2,154,000 | $ 215,400 | $ 46,000 |
| St. Louis, MO-IL | 10 | $ 2,042,000 | $ 204,200 | $ 78,000 |
| Tacoma, WA | 10 | $ 2,148,000 | $ 214,800 | $ 23,000 |
| Houston-Sugar Land-Baytown, TX | 7 | $ 1,340,000 | $ 191,428 | $ 130,000 |
| Jacksonville, FL | 7 | $ 1,211,000 | $ 173,000 | $ 0 |
| Santa Fe, NM | 7 | $ 1,176,000 | $ 168,000 | $ 35,000 |
| Spokane, WA | 7 | $ 1,014,000 | $ 144,857 | $ 0 |
| Dallas-Plano-Irving, TX | 6 | $ 1,403,000 | $ 233,833 | $ 101,000 |
| Madison, WI | 6 | $ 1,293,000 | $ 215,500 | $ 82,000 |
| Olympia, WA | 6 | $ 1,230,000 | $ 205,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 1,408,000 | $ 234,666 | $ 105,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,332,000 | $ 266,400 | $ 0 |
| Casper, WY | 5 | $ 1,090,000 | $ 218,000 | $ 75,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,609,000 | $ 321,800 | $ 129,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,113,000 | $ 222,600 | $ 89,200 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 985,000 | $ 197,000 | $ 116,000 |
| Oklahoma City, OK | 5 | $ 838,000 | $ 167,600 | $ 44,000 |
| Boise City-Nampa, ID | 4 | $ 641,000 | $ 160,250 | $ 0 |
| Chicago-Naperville-Joliet, IL | 4 | $ 887,000 | $ 221,750 | $ 82,000 |
| Kennewick-Pasco-Richland, WA | 4 | $ 610,000 | $ 152,500 | $ 0 |
| Manhattan, KS | 4 | $ 396,000 | $ 99,000 | $ 193,000 |
| Prescott, AZ | 4 | $ 758,000 | $ 189,500 | $ 28,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,561,000 | $ 390,250 | $ 165,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,637,000 | $ 409,250 | $ 122,000 |
| Austin-Round Rock, TX | 3 | $ 484,000 | $ 161,333 | $ 47,000 |
| Boston-Quincy, MA | 3 | $ 961,000 | $ 320,333 | $ 64,000 |
| Eau Claire, WI | 3 | $ 396,000 | $ 132,000 | $ 73,000 |
| Edison-New Brunswick, NJ | 3 | $ 974,000 | $ 324,666 | $ 116,000 |
| Flagstaff, AZ | 3 | $ 1,082,000 | $ 360,666 | $ 118,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,090,000 | $ 363,333 | $ 188,000 |
| Johnson City, TN | 3 | $ 946,000 | $ 315,333 | $ 99,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 426,000 | $ 142,000 | $ 120,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 456,000 | $ 152,000 | $ 52,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,175,000 | $ 391,666 | $ 91,000 |
| Orlando-Kissimmee, FL | 3 | $ 638,000 | $ 212,666 | $ 0 |
| Philadelphia, PA | 3 | $ 308,000 | $ 102,666 | $ 84,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 1,231,000 | $ 410,333 | $ 117,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 670,000 | $ 223,333 | $ 54,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 461,000 | $ 153,666 | $ 23,000 |
| Tulsa, OK | 3 | $ 477,000 | $ 159,000 | $ 90,000 |
| Yakima, WA | 3 | $ 424,000 | $ 141,333 | $ 23,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Bakersfield, CA | 2 | $ 508,000 | $ 254,000 | $ 140,000 |
| Baltimore-Towson, MD | 2 | $ 923,000 | $ 461,500 | $ 1,076,000 |
| Bloomington, IN | 2 | $ 1,100,000 | $ 550,000 | $ 240,000 |
| Bradenton-Sarasota-Venice, FL | 2 | $ 620,000 | $ 310,000 | $ 301,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 2,735,000 | $ 1,367,500 | $ 43,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 173,000 | $ 86,500 | $ 101,000 |
| Camden, NJ | 2 | $ 548,000 | $ 274,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 809,000 | $ 404,500 | $ 360,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 313,000 | $ 156,500 | $ 0 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 418,000 | $ 209,000 | $ 32,000 |
| Chico, CA | 2 | $ 600,000 | $ 300,000 | $ 194,000 |
| Des Moines-West Des Moines, IA | 2 | $ 307,000 | $ 153,500 | $ 46,000 |
| Eugene-Springfield, OR | 2 | $ 416,000 | $ 208,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 466,000 | $ 233,000 | $ 83,000 |
| Gainesville, FL | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Green Bay, WI | 2 | $ 233,000 | $ 116,500 | $ 64,000 |
| Janesville, WI | 2 | $ 340,000 | $ 170,000 | $ 68,000 |
| Lakeland-Winter Haven, FL | 2 | $ 355,000 | $ 177,500 | $ 24,000 |
| Lawrence, KS | 2 | $ 304,000 | $ 152,000 | $ 72,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,147,000 | $ 573,500 | $ 643,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,088,000 | $ 544,000 | $ 122,000 |
| Peabody, MA | 2 | $ 700,000 | $ 350,000 | $ 141,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 568,000 | $ 284,000 | $ 87,000 |
| Racine, WI | 2 | $ 243,000 | $ 121,500 | $ 84,000 |
| Reno-Sparks, NV | 2 | $ 646,000 | $ 323,000 | $ 51,000 |
| Roanoke, VA | 2 | $ 459,000 | $ 229,500 | $ 116,000 |
| Salinas, CA | 2 | $ 594,000 | $ 297,000 | $ 124,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 654,000 | $ 327,000 | $ 113,000 |
| Springfield, MO | 2 | $ 514,000 | $ 257,000 | $ 98,000 |
| St. George, UT | 2 | $ 1,570,000 | $ 785,000 | $ 194,000 |
| Stockton, CA | 2 | $ 321,000 | $ 160,500 | $ 0 |
| Vallejo-Fairfield, CA | 2 | $ 271,000 | $ 135,500 | $ 88,000 |
| Warner Robins, GA | 2 | $ 315,000 | $ 157,500 | $ 34,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 550,000 | $ 275,000 | $ 153,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 457,000 | $ 228,500 | $ 1,494,000 |
| Yuma, AZ | 2 | $ 402,000 | $ 201,000 | $ 37,000 |
| Akron, OH | 1 | $ 208,000 | $ 208,000 | $ 77,000 |
| Appleton, WI | 1 | $ 183,000 | $ 183,000 | $ 113,000 |
| Asheville, NC | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 407,000 | $ 407,000 | $ 261,000 |
| Bethesda-Frederick-Rockville, MD | 1 | $ 542,000 | $ 542,000 | $ 132,000 |
| Bismarck, ND | 1 | $ 108,000 | $ 108,000 | $ 34,000 |
| Bloomington-Normal, IL | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 356,000 | $ 356,000 | $ 124,000 |
| Carson City, NV | 1 | $ 329,000 | $ 329,000 | $ 167,000 |
| Coeur D'Alene, ID | 1 | $ 86,000 | $ 86,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 106,000 | $ 106,000 | $ 145,000 |
| Columbia, SC | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Corvallis, OR | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Dayton, OH | 1 | $ 222,000 | $ 222,000 | $ 1,992,000 |
| Duluth, MN-WI | 1 | $ 193,000 | $ 193,000 | $ 115,000 |
| El Paso, TX | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Fayetteville, NC | 1 | $ 186,000 | $ 186,000 | $ 79,000 |
| Fond Du Lac, WI | 1 | $ 189,000 | $ 189,000 | $ 116,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 384,000 | $ 384,000 | $ 167,000 |
| Fresno, CA | 1 | $ 143,000 | $ 143,000 | $ 30,000 |
| Gary, IN | 1 | $ 417,000 | $ 417,000 | $ 604,000 |
| Gulfport-Biloxi, MS | 1 | $ 132,000 | $ 132,000 | $ 43,000 |
| Holland-Grand Haven, MI | 1 | $ 187,000 | $ 187,000 | $ 117,000 |
| Honolulu, HI | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Indianapolis-Carmel, IN | 1 | $ 172,000 | $ 172,000 | $ 81,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Lincoln, NE | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 226,000 | $ 226,000 | $ 58,000 |
| Logan, UT-ID | 1 | $ 226,000 | $ 226,000 | $ 36,000 |
| Madera-Chowchilla, CA | 1 | $ 275,000 | $ 275,000 | $ 170,000 |
| Memphis, TN-MS-AR | 1 | $ 224,000 | $ 224,000 | $ 215,000 |
| Merced, CA | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Newark-Union, NJ-PA | 1 | $ 241,000 | $ 241,000 | $ 58,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 189,000 | $ 189,000 | $ 56,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| San Antonio, TX | 1 | $ 270,000 | $ 270,000 | $ 78,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 239,000 | $ 239,000 | $ 44,000 |
| Savannah, GA | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 201,000 | $ 201,000 | $ 108,000 |
| Sioux Falls, SD | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 116,000 | $ 116,000 | $ 120,000 |
| Wichita, KS | 1 | $ 136,000 | $ 136,000 | $ 39,000 |
| Wilmington, NC | 1 | $ 80,000 | $ 80,000 | $ 193,000 |
| Yuba City, CA | 1 | $ 187,000 | $ 187,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 5,010 | $1,175,266,000 | $234,000 | $6,300,000 | $93,000 | $6,240,000 |
| Home Purchase | 2,571 | $509,764,000 | $198,000 | $4,500,000 | $84,000 | $5,193,000 |
| Home Improvement | 210 | $35,069,000 | $166,000 | $461,000 | $92,000 | $1,052,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,959 | $1,115,274,000 | $224,000 | $6,300,000 | $97,000 | $6,240,000 |
| Not Provided | 2,362 | $524,580,000 | $222,000 | $3,000,000 | $83,000 | $2,950,000 |
| Hispanic | 331 | $53,678,000 | $162,000 | $417,000 | $57,000 | $276,000 |
| Black or African American | 56 | $10,446,000 | $186,000 | $417,000 | $64,000 | $295,000 |
| Asian | 52 | $10,918,000 | $209,000 | $479,000 | $83,000 | $379,000 |
| American Indian or Alaskan Native | 16 | $2,389,000 | $149,000 | $396,000 | $70,000 | $157,000 |
| Not applicable | 8 | $1,067,000 | $133,000 | $373,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,747,000 | $249,000 | $373,000 | $69,000 | $118,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,630 | $1,095,582,000 | $236,000 | $6,300,000 | $116,000 | $6,240,000 |
| FHA-insured (Federal Housing Administration) | 2,436 | $465,117,000 | $190,000 | $561,000 | $53,000 | $1,398,000 |
| VA-guaranteed (Veterans Administration) | 589 | $135,867,000 | $230,000 | $744,000 | $52,000 | $1,656,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 136 | $23,533,000 | $173,000 | $336,000 | $48,000 | $94,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,102 | $1,104,844,000 | $216,000 | $990,000 | $87,000 | $5,193,000 |
| Application Withdrawn By Applicant | 1,917 | $459,882,000 | $239,000 | $6,300,000 | $96,000 | $2,100,000 |
| Application Denied By Financial Institution | 510 | $101,552,000 | $199,000 | $1,350,000 | $90,000 | $2,148,000 |
| Application Approved But Not Accepted | 192 | $37,837,000 | $197,000 | $730,000 | $82,000 | $600,000 |
| File Closed For Incompleteness | 66 | $14,233,000 | $215,000 | $764,000 | $177,000 | $6,240,000 |
| Preapproval Denied by Financial Institution | 4 | $1,751,000 | $437,000 | $1,000,000 | $97,000 | $227,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 208 | $46,819,000 | $225,000 | $730,000 | $122,000 | $2,148,000 |
| Credit History | 170 | $30,699,000 | $180,000 | $1,200,000 | $67,000 | $1,200,000 |
| Debt-To-Income Ratio | 62 | $12,245,000 | $197,000 | $1,350,000 | $73,000 | $745,000 |
| Other | 51 | $9,395,000 | $184,000 | $417,000 | $69,000 | $214,000 |
| Employment History | 11 | $2,153,000 | $195,000 | $417,000 | $62,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,559,000 | $173,000 | $263,000 | $52,000 | $101,000 |
| Unverifiable Information | 2 | $275,000 | $137,000 | $201,000 | $69,000 | $114,000 |
| Mortgage Insurance Denied | 1 | $158,000 | $158,000 | $158,000 | $93,000 | $93,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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