Firstbank of Arapahoe County Mortgage Lending & HMDA Data, 2010
In 2010, Firstbank of Arapahoe County of Centennial, CO reported 107 mortgage applications totaling $19.9 million. The average application was for $185,775, and applicants reported an average income of $125,037. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (100), Fort Collins-Loveland, CO (1) and Greeley, CO (1) (applications in parentheses).
| Mortgage Company & Address | Firstbank of Arapahoe County 8600 East Arapahoe Road Centennial, CO 80112 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 |
| Total Number of Mortgage Applications | 107 |
| Total Mortgage Loan Application Amount | $19,878,000 |
| Average Mortgage Loan Application Amount | $185,775 |
| Highest Mortgage Loan Application Amount | $915,000 |
| Average Applicant Income | $125,037 |
| Highest Applicant Income | $679,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firstbank of Arapahoe County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Denver-Aurora-Broomfield, CO | 100 | $ 18,919,000 | $ 189,190 | $ 123,000 |
| Fort Collins-Loveland, CO | 1 | $ 132,000 | $ 132,000 | $ 211,000 |
| Greeley, CO | 1 | $ 99,000 | $ 99,000 | $ 139,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 136,000 | $ 136,000 | $ 0 |
Mortgage Loan Application Detail Totals for Firstbank of Arapahoe County in 2010
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 Purchase | 49 | $9,142,000 | $186,000 | $915,000 | $115,000 | $374,000 |
| Refinancing | 48 | $9,450,000 | $196,000 | $548,000 | $138,000 | $679,000 |
| Home Improvement | 10 | $1,286,000 | $128,000 | $325,000 | $112,000 | $184,000 |
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 | 84 | $16,716,000 | $199,000 | $915,000 | $142,000 | $679,000 |
| Not applicable | 12 | $1,708,000 | $142,000 | $417,000 | $0 | $0 |
| Asian | 6 | $883,000 | $147,000 | $240,000 | $134,000 | $283,000 |
| Hispanic | 4 | $481,000 | $120,000 | $200,000 | $126,000 | $211,000 |
| Not Provided | 1 | $90,000 | $90,000 | $90,000 | $122,000 | $122,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 107 | $19,878,000 | $185,000 | $915,000 | $125,000 | $679,000 |
| 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 | 87 | $15,357,000 | $176,000 | $915,000 | $124,000 | $679,000 |
| Application Denied By Financial Institution | 9 | $2,312,000 | $256,000 | $417,000 | $127,000 | $232,000 |
| Application Withdrawn By Applicant | 5 | $1,069,000 | $213,000 | $300,000 | $99,000 | $131,000 |
| Application Approved But Not Accepted | 5 | $900,000 | $180,000 | $394,000 | $169,000 | $361,000 |
| File Closed For Incompleteness | 1 | $240,000 | $240,000 | $240,000 | $96,000 | $96,000 |
| 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 |
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 | 3 | $847,000 | $282,000 | $417,000 | $151,000 | $169,000 |
| Debt-To-Income Ratio | 3 | $850,000 | $283,000 | $330,000 | $84,000 | $100,000 |
| Credit History | 2 | $525,000 | $262,000 | $345,000 | $159,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $90,000 | $90,000 | $90,000 | $122,000 | $122,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firstbank of Arapahoe County's 2010 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 Firstbank of Arapahoe County'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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