Native American Bank, NA Mortgage Lending & HMDA Data, 2012
In 2012, Native American Bank, NA of Denver, CO reported 30 mortgage applications totaling $6.9 million, up 200% from 2011. The average application was for $228,366, and applicants reported an average income of $68,500. 0% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (3) and Fort Collins-Loveland, CO (1).
| Mortgage Company & Address | Native American Bank, NA 999 18th Street, Suite 2460 Denver, CO 80202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 30 |
| Total Mortgage Loan Application Amount | $6,851,000 |
| Average Mortgage Loan Application Amount | $228,366 |
| Highest Mortgage Loan Application Amount | $412,000 |
| Average Applicant Income | $68,500 |
| Highest Applicant Income | $173,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Native American Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3 | $ 800,000 | $ 266,666 | $ 106,000 |
| Fort Collins-Loveland, CO | 1 | $ 188,000 | $ 188,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Native American Bank, NA in 2012
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 | 19 | $4,928,000 | $259,000 | $412,000 | $62,000 | $150,000 |
| Refinancing | 10 | $1,829,000 | $182,000 | $303,000 | $81,000 | $173,000 |
| Home Improvement | 1 | $94,000 | $94,000 | $94,000 | $67,000 | $67,000 |
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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 28 | $6,240,000 | $222,000 | $412,000 | $69,000 | $173,000 |
| Hispanic | 1 | $321,000 | $321,000 | $321,000 | $49,000 | $49,000 |
| Not Provided | 1 | $290,000 | $290,000 | $290,000 | $90,000 | $90,000 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 30 | $6,851,000 | $228,000 | $412,000 | $69,000 | $173,000 |
| 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 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 14 | $2,782,000 | $198,000 | $412,000 | $63,000 | $173,000 |
| Application Approved But Not Accepted | 8 | $2,308,000 | $288,000 | $406,000 | $81,000 | $150,000 |
| Application Withdrawn By Applicant | 4 | $1,227,000 | $306,000 | $395,000 | $73,000 | $104,000 |
| File Closed For Incompleteness | 4 | $534,000 | $133,000 | $264,000 | $59,000 | $96,000 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $1,767,000 | $196,000 | $412,000 | $47,000 | $90,000 |
| Credit History | 3 | $418,000 | $139,000 | $303,000 | $98,000 | $173,000 |
| Collateral | 1 | $375,000 | $375,000 | $375,000 | $90,000 | $90,000 |
| Other | 1 | $222,000 | $222,000 | $222,000 | $80,000 | $80,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Native American Bank, NA's 2012 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 Native American Bank, NA'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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