1St Nat'l Bank Of The Rockies
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
1St Nat'l Bank Of The Rockies 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | 1St Nat'l Bank Of The Rockies 2452 Us Hwy 6 & 50 Grand Junction, CO 81505 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 733 |
| Total Mortgage Loan Application Amount | $101,149,000 |
| Average Mortgage Loan Application Amount | $143,631 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $100,631 |
| Highest Applicant Income | $1,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with 1St Nat'l Bank Of The Rockies. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing 1St Nat'l Bank Of The Rockies's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down 1St Nat'l Bank Of The Rockies's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how 1St Nat'l Bank Of The Rockies serves its applicants.
Each category highlights the total number of mortgage applications processed by 1St Nat'l Bank Of The Rockies, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at 1St Nat'l Bank Of The Rockies's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mesa County Colorado | 280 | $ 44,566,000 | $ 159,000 | $ 57,000 |
| Moffat County Colorado | 156 | $ 17,748,000 | $ 113,000 | $ 54,000 |
| Rio Blanco County Colorado | 135 | $ 12,547,000 | $ 92,000 | $ 49,000 |
| Routt County Colorado | 105 | $ 14,254,000 | $ 135,000 | $ 61,000 |
| Garfield County Colorado | 8 | $ 1,590,000 | $ 198,000 | $ 51,000 |
| Uintah County Utah | 5 | $ 502,000 | $ 100,000 | $ 36,000 |
| Delta County Colorado | 3 | $ 506,000 | $ 168,000 | $ 69,000 |
| Duchesne County Utah | 3 | $ 329,000 | $ 109,000 | $ 37,000 |
| Adams County Colorado | 2 | $ 387,000 | $ 193,000 | $ 70,000 |
| Denver County Colorado | 2 | $ 613,000 | $ 306,000 | $ 109,000 |
| Larimer County Colorado | 2 | $ 269,000 | $ 134,000 | $ 57,000 |
| San Miguel County Colorado | 2 | $ 1,012,000 | $ 506,000 | $ 351,000 |
| Woodbury County Iowa | 2 | $ 560,000 | $ 280,000 | $ 97,000 |
| Salt Lake County Utah | 2 | $ 313,000 | $ 156,000 | $ 74,000 |
| Maricopa County Arizona | 1 | $ 264,000 | $ 264,000 | $ 161,000 |
| Arapahoe County Colorado | 1 | $ 170,000 | $ 170,000 | $ 126,000 |
| Boulder County Colorado | 1 | $ 130,000 | $ 130,000 | $ 69,000 |
| Chaffee County Colorado | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Jefferson County Colorado | 1 | $ 722,000 | $ 722,000 | $ 229,000 |
| Montrose County Colorado | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Ouray County Colorado | 1 | $ 225,000 | $ 225,000 | $ 121,000 |
| Pitkin County Colorado | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Pueblo County Colorado | 1 | $ 213,000 | $ 213,000 | $ 85,000 |
| Weld County Colorado | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| DeKalb County Georgia | 1 | $ 320,000 | $ 320,000 | $ 90,000 |
| Douglas County Georgia | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Lemhi County Idaho | 1 | $ 136,000 | $ 136,000 | $ 112,000 |
| Coles County Illinois | 1 | $ 54,000 | $ 54,000 | $ 145,000 |
| Johnson County Iowa | 1 | $ 72,000 | $ 72,000 | $ 96,000 |
| Sherman County Kansas | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Middlesex County Massachusetts | 1 | $ 129,000 | $ 129,000 | $ 147,000 |
| Hennepin County Minnesota | 1 | $ 72,000 | $ 72,000 | $ 42,000 |
| Lewis and Clark County Montana | 1 | $ 81,000 | $ 81,000 | $ 32,000 |
| Hidalgo County Texas | 1 | $ 62,000 | $ 62,000 | $ 3,000 |
| Travis County Texas | 1 | $ 66,000 | $ 66,000 | $ 109,000 |
| Grand County Utah | 1 | $ 1,400,000 | $ 1,400,000 | $ 1,900,000 |
| Summit County Utah | 1 | $ 350,000 | $ 350,000 | $ 78,000 |
| Clark County Washington | 1 | $ 236,000 | $ 236,000 | $ 116,000 |
| Carbon County Wyoming | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Lincoln County Wyoming | 1 | $ 78,000 | $ 78,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for 1St Nat'l Bank Of The Rockies in 2003
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 (home purchase or home improvement, one-to-four family) | 497 | $73,306,000 | $136,300 | $1,400,000 | $102,000 | $1,900,000 |
| Home Purchase (one-to-four family) | 217 | $27,007,000 | $165,250 | $351,000 | $104,000 | $420,000 |
| Home Improvement (one-to-four family) | 19 | $836,000 | $44,000 | $280,000 | $60,000 | $105,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 711 | $98,898,000 | $145,785 | $1,400,000 | $102,500 | $1,900,000 |
| Hispanic | 15 | $1,349,000 | $89,000 | $200,000 | $44,000 | $116,000 |
| Black | 2 | $247,000 | $123,000 | $160,000 | $30,000 | $31,000 |
| Other | 2 | $156,000 | $78,000 | $85,000 | $26,000 | $31,000 |
| Information not provided by applicant in mail or telephone application | 1 | $102,000 | $102,000 | $102,000 | $109,000 | $109,000 |
| American Indian or Alaskan Native | 1 | $152,000 | $152,000 | $152,000 | $70,000 | $70,000 |
| Asian or Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $119,000 | $119,000 |
| Not applicable | 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) | 733 | $101,149,000 | $145,642 | $1,400,000 | $102,285 | $1,900,000 |
| 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 | 565 | $75,676,000 | $147,545 | $910,000 | $71,909 | $808,000 |
| Application Withdrawn By Applicant | 105 | $16,478,000 | $161,428 | $1,400,000 | $159,714 | $1,900,000 |
| Application Denied By Financial Institution | 51 | $7,003,000 | $137,000 | $322,000 | $46,000 | $109,000 |
| Application Approved But Not Accepted | 12 | $1,992,000 | $192,500 | $320,000 | $67,500 | $101,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $3,761,000 | $125,000 | $322,000 | $40,000 | $97,000 |
| Debt-To-Income Ratio | 14 | $1,860,000 | $132,000 | $280,000 | $50,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $481,000 | $160,000 | $210,000 | $60,000 | $72,000 |
| Other | 2 | $585,000 | $292,000 | $320,000 | $72,000 | $90,000 |
| Collateral | 2 | $316,000 | $158,000 | $166,000 | $42,000 | $58,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1St Nat'l Bank Of The Rockies's 2003 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 1St Nat'l Bank Of The Rockies'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.