First National Bank of Santa F Mortgage Lending & HMDA Data, 2005
In 2005, First National Bank of Santa F of Albuquerque, NM reported 346 mortgage applications totaling $56.8 million, down 16% from 2004. The average application was for $164,020, and applicants reported an average income of $78,355. 68% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Santa Fe, NM (275), Albuquerque, NM (27) and New York-Wayne-White Plains, NY-NJ (1) (applications in parentheses).
| Mortgage Company & Address | First National Bank of Santa F 2101 Mountain Road Nw Suite A Albuquerque, NM 87104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 346 |
| Total Mortgage Loan Application Amount | $56,751,000 |
| Average Mortgage Loan Application Amount | $164,020 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $78,355 |
| Highest Applicant Income | $1,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Santa F filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Santa Fe, NM | 275 | $ 45,297,000 | $ 164,716 | $ 73,000 |
| Albuquerque, NM | 27 | $ 3,606,000 | $ 133,555 | $ 95,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 750,000 | $ 750,000 | $ 1,400,000 |
Mortgage Loan Application Detail Totals for First National Bank of Santa F in 2005
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 139 | $7,925,000 | $57,000 | $800,000 | $68,000 | $547,000 |
| Home Purchase | 113 | $24,911,000 | $393,666 | $1,200,000 | $513,666 | $1,400,000 |
| Refinancing | 94 | $23,915,000 | $254,000 | $1,100,000 | $76,000 | $660,000 |
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 | 201 | $38,052,000 | $468,000 | $1,200,000 | $750,500 | $1,400,000 |
| Hispanic | 121 | $13,399,000 | $167,000 | $1,100,000 | $52,000 | $270,000 |
| Not Provided | 13 | $3,316,000 | $237,000 | $1,028,000 | $72,500 | $201,000 |
| Asian | 5 | $1,113,000 | $222,000 | $494,000 | $103,000 | $180,000 |
| Black or African American | 2 | $379,000 | $189,000 | $205,000 | $66,000 | $101,000 |
| American Indian or Alaskan Native | 2 | $12,000 | $6,000 | $8,000 | $53,000 | $75,000 |
| Not applicable | 2 | $480,000 | $240,000 | $408,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 346 | $56,751,000 | $375,666 | $1,200,000 | $511,666 | $1,400,000 |
| 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 |
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 | 237 | $41,015,000 | $460,000 | $1,200,000 | $740,000 | $1,400,000 |
| Application Denied By Financial Institution | 56 | $6,532,000 | $162,500 | $800,000 | $58,500 | $273,000 |
| Application Withdrawn By Applicant | 28 | $6,252,000 | $223,000 | $1,000,000 | $97,000 | $660,000 |
| Application Approved But Not Accepted | 19 | $2,078,000 | $109,000 | $550,000 | $82,000 | $176,000 |
| File Closed For Incompleteness | 5 | $649,000 | $129,000 | $300,000 | $95,000 | $169,000 |
| Preapproval Denied by Financial Institution | 1 | $225,000 | $225,000 | $225,000 | $55,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 23 | $2,425,000 | $150,500 | $615,000 | $49,000 | $131,000 |
| Debt-To-Income Ratio | 19 | $3,431,000 | $200,000 | $800,000 | $58,000 | $273,000 |
| Collateral | 9 | $263,000 | $29,000 | $115,000 | $90,000 | $211,000 |
| Unverifiable Information | 3 | $367,000 | $122,000 | $175,000 | $16,000 | $31,000 |
| Employment History | 3 | $271,000 | $90,000 | $102,000 | $28,000 | $38,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Santa F's 2005 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 of Santa F'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.
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