Los Alamos National Bank Mortgage Lending & HMDA Data, 2014
In 2014, Los Alamos National Bank of Los Alamos, NM reported 773 mortgage applications totaling $160.8 million, down 52% from 2013. The average application was for $208,082, and applicants reported an average income of $120,921. 56% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Santa Fe, NM (327), Albuquerque, NM (59) and Las Cruces, NM (3) (applications in parentheses).
| Mortgage Company & Address | Los Alamos National Bank 1200 Trinity Dr. Los Alamos, NM 87544 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 773 |
| Total Mortgage Loan Application Amount | $160,848,000 |
| Average Mortgage Loan Application Amount | $208,082 |
| Highest Mortgage Loan Application Amount | $1,309,000 |
| Average Applicant Income | $120,921 |
| Highest Applicant Income | $1,807,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Los Alamos National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Santa Fe, NM | 327 | $ 75,881,000 | $ 232,051 | $ 124,000 |
| Albuquerque, NM | 59 | $ 10,300,000 | $ 174,576 | $ 105,000 |
| Las Cruces, NM | 3 | $ 377,000 | $ 125,666 | $ 211,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 350,000 | $ 350,000 | $ 107,000 |
| Fort Collins, CO | 1 | $ 130,000 | $ 130,000 | $ 33,000 |
| Grand Junction, CO | 1 | $ 166,000 | $ 166,000 | $ 45,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 130,000 | $ 130,000 | $ 215,000 |
| Pueblo, CO | 1 | $ 116,000 | $ 116,000 | $ 92,000 |
| Tucson, AZ | 1 | $ 87,000 | $ 87,000 | $ 0 |
Mortgage Loan Application Detail Totals for Los Alamos National Bank in 2014
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 | 383 | $73,258,000 | $191,000 | $1,309,000 | $116,000 | $1,807,000 |
| Home Purchase | 372 | $85,728,000 | $230,000 | $945,000 | $127,000 | $1,028,000 |
| Home Improvement | 18 | $1,862,000 | $103,000 | $300,000 | $100,000 | $437,000 |
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 | 451 | $97,974,000 | $217,000 | $945,000 | $129,000 | $1,807,000 |
| Hispanic | 174 | $29,441,000 | $169,000 | $640,000 | $89,000 | $287,000 |
| Not Provided | 117 | $27,154,000 | $232,000 | $1,309,000 | $136,000 | $542,000 |
| Asian | 13 | $2,634,000 | $202,000 | $500,000 | $113,000 | $239,000 |
| American Indian or Alaskan Native | 10 | $2,352,000 | $235,000 | $417,000 | $178,000 | $375,000 |
| Not applicable | 4 | $440,000 | $110,000 | $199,000 | $0 | $0 |
| Black or African American | 3 | $747,000 | $249,000 | $395,000 | $182,000 | $265,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $106,000 | $106,000 | $106,000 | $198,000 | $198,000 |
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) | 773 | $160,848,000 | $208,000 | $1,309,000 | $121,000 | $1,807,000 |
| 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 | 433 | $89,475,000 | $206,000 | $780,000 | $127,000 | $1,807,000 |
| Application Withdrawn By Applicant | 144 | $32,748,000 | $227,000 | $1,309,000 | $132,000 | $1,028,000 |
| Application Denied By Financial Institution | 113 | $21,026,000 | $186,000 | $417,000 | $87,000 | $321,000 |
| Preapproval Denied by Financial Institution | 44 | $9,310,000 | $211,000 | $640,000 | $90,000 | $322,000 |
| File Closed For Incompleteness | 38 | $8,239,000 | $216,000 | $800,000 | $155,000 | $986,000 |
| Application Approved But Not Accepted | 1 | $50,000 | $50,000 | $50,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 60 | $12,727,000 | $212,000 | $640,000 | $63,000 | $208,000 |
| Credit History | 50 | $7,733,000 | $154,000 | $417,000 | $95,000 | $320,000 |
| Collateral | 30 | $5,841,000 | $194,000 | $465,000 | $116,000 | $322,000 |
| Unverifiable Information | 7 | $1,587,000 | $226,000 | $417,000 | $84,000 | $150,000 |
| Other | 4 | $1,058,000 | $264,000 | $400,000 | $120,000 | $279,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $445,000 | $148,000 | $275,000 | $138,000 | $203,000 |
| Employment History | 2 | $645,000 | $322,000 | $417,000 | $126,000 | $193,000 |
| Credit Application Incomplete | 1 | $300,000 | $300,000 | $300,000 | $93,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Los Alamos National Bank's 2014 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 Los Alamos 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 New Mexico, download the full spreadsheet
with aggregated HMDA statistics today.
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