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| Location |
Laclede County MO
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,362 |
| Total Amount of All Mortgage Loans Applied For | $157,623,000 |
| Average Mortgage Loan Amount Applied For | $115,000 |
| Highest Mortgage Loan Amount Applied For | $2,542,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $457,000 |
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| Home Improvement |
120 | $4,102,000 |
$34,000 | $175,000 |
$45,000 | $177,000 |
| Home Purchase |
372 | $43,494,000 |
$116,000 | $990,000 |
$52,000 | $455,000 |
| Refinancing |
870 | $110,027,000 |
$126,000 | $2,542,000 |
$51,000 | $457,000 |
|
| American Indian or Alaskan Native |
21 | $2,176,000 |
$103,000 | $213,000 |
$60,000 | $157,000 |
| Asian |
2 | $232,000 |
$116,000 | $132,000 |
$32,000 | $36,000 |
| Black or African American |
8 | $1,040,000 |
$130,000 | $243,000 |
$60,000 | $120,000 |
| Hispanic |
13 | $1,340,000 |
$103,000 | $239,000 |
$37,000 | $67,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $146,000 |
$73,000 | $111,000 |
$62,000 | $66,000 |
| Not applicable |
92 | $16,686,000 |
$181,000 | $2,542,000 |
$15,000 | $171,000 |
| Not Provided |
97 | $12,039,000 |
$124,000 | $708,000 |
$54,000 | $200,000 |
| White |
1,127 | $123,964,000 |
$109,000 | $1,350,000 |
$54,000 | $457,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
922 | $103,726,000 |
$112,000 | $2,542,000 |
$54,000 | $457,000 |
| FHA-insured (Federal Housing Administration) |
355 | $42,694,000 |
$120,000 | $276,000 |
$45,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
39 | $3,988,000 |
$102,000 | $297,000 |
$36,000 | $116,000 |
| VA-guaranteed (Veterans Administration) |
46 | $7,215,000 |
$156,000 | $365,000 |
$47,000 | $153,000 |
|
| Application Approved But Not Accepted |
55 | $6,246,000 |
$113,000 | $708,000 |
$55,000 | $200,000 |
| Application Denied By Financial Institution |
366 | $37,545,000 |
$102,000 | $990,000 |
$50,000 | $402,000 |
| Application Withdrawn By Applicant |
142 | $18,188,000 |
$128,000 | $882,000 |
$54,000 | $403,000 |
| File Closed For Incompleteness |
31 | $4,106,000 |
$132,000 | $720,000 |
$69,000 | $384,000 |
| Loan Originated |
590 | $70,131,000 |
$118,000 | $2,542,000 |
$55,000 | $457,000 |
| Loan Purchased By The Institution |
178 | $21,407,000 |
$120,000 | $395,000 |
$33,000 | $178,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
48 | $5,146,000 |
$107,000 | $720,000 |
$62,000 | $402,000 |
| Credit Application Incomplete |
10 | $1,039,000 |
$103,000 | $169,000 |
$53,000 | $133,000 |
| Credit History |
58 | $4,813,000 |
$82,000 | $308,000 |
$52,000 | $185,000 |
| Debt-To-Income Ratio |
27 | $3,549,000 |
$131,000 | $365,000 |
$40,000 | $162,000 |
| Employment History |
2 | $183,000 |
$91,000 | $122,000 |
$40,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $497,000 |
$124,000 | $270,000 |
$40,000 | $74,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
9 | $805,000 |
$89,000 | $241,000 |
$62,000 | $129,000 |
| Unverifiable Information |
5 | $192,000 |
$38,000 | $70,000 |
$31,000 | $77,000 |
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