|
| Location |
Morgan County MO
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,194 |
| Total Amount of All Mortgage Loans Applied For | $163,618,000 |
| Average Mortgage Loan Amount Applied For | $137,000 |
| Highest Mortgage Loan Amount Applied For | $889,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $3,737,000 |
|
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| Home Improvement |
97 | $6,971,000 |
$71,000 | $380,000 |
$93,000 | $2,031,000 |
| Home Purchase |
319 | $44,981,000 |
$141,000 | $889,000 |
$116,000 | $3,737,000 |
| Refinancing |
778 | $111,666,000 |
$143,000 | $621,000 |
$84,000 | $907,000 |
|
| American Indian or Alaskan Native |
14 | $1,340,000 |
$95,000 | $291,000 |
$40,000 | $105,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
8 | $1,104,000 |
$138,000 | $380,000 |
$83,000 | $272,000 |
| Hispanic |
12 | $1,131,000 |
$94,000 | $234,000 |
$57,000 | $231,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
86 | $13,837,000 |
$160,000 | $889,000 |
$27,000 | $232,000 |
| Not Provided |
123 | $15,985,000 |
$129,000 | $500,000 |
$81,000 | $448,000 |
| White |
951 | $130,221,000 |
$136,000 | $621,000 |
$102,000 | $3,737,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,001 | $140,794,000 |
$140,000 | $889,000 |
$103,000 | $3,737,000 |
| FHA-insured (Federal Housing Administration) |
148 | $17,329,000 |
$117,000 | $276,000 |
$47,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
27 | $2,743,000 |
$101,000 | $442,000 |
$35,000 | $115,000 |
| VA-guaranteed (Veterans Administration) |
18 | $2,752,000 |
$152,000 | $227,000 |
$62,000 | $109,000 |
|
| Application Approved But Not Accepted |
73 | $9,316,000 |
$127,000 | $417,000 |
$99,000 | $907,000 |
| Application Denied By Financial Institution |
274 | $32,737,000 |
$119,000 | $500,000 |
$70,000 | $522,000 |
| Application Withdrawn By Applicant |
124 | $17,391,000 |
$140,000 | $365,000 |
$83,000 | $450,000 |
| File Closed For Incompleteness |
30 | $3,789,000 |
$126,000 | $365,000 |
$79,000 | $440,000 |
| Loan Originated |
537 | $77,235,000 |
$143,000 | $889,000 |
$117,000 | $3,737,000 |
| Loan Purchased By The Institution |
156 | $23,150,000 |
$148,000 | $416,000 |
$62,000 | $327,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
50 | $6,942,000 |
$138,000 | $500,000 |
$103,000 | $448,000 |
| Credit Application Incomplete |
17 | $2,372,000 |
$139,000 | $417,000 |
$54,000 | $144,000 |
| Credit History |
39 | $4,362,000 |
$111,000 | $395,000 |
$81,000 | $396,000 |
| Debt-To-Income Ratio |
20 | $2,462,000 |
$123,000 | $350,000 |
$47,000 | $105,000 |
| Employment History |
3 | $322,000 |
$107,000 | $153,000 |
$32,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $272,000 |
$136,000 | $177,000 |
$58,000 | $69,000 |
| Mortgage Insurance Denied |
1 | $72,000 |
$72,000 | $72,000 |
$36,000 | $36,000 |
| Other |
22 | $2,712,000 |
$123,000 | $364,000 |
$71,000 | $215,000 |
| Unverifiable Information |
6 | $1,095,000 |
$182,000 | $291,000 |
$111,000 | $211,000 |
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