Bollinger County, MO Mortgage Lenders & HMDA Data, 2005

In 2005, lenders reported 569 mortgage applications in Bollinger County, MO totaling $42.5 million, up 5% from 2004. The average application was for $74,000, and applicants reported an average income of $46,000. 35% of applications resulted in an originated loan and 30% were denied. The most active lender was US Bank, N.A., with 49 applications, followed by Beneficial Company LLC and US Bank North Dakota.

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Total Number of Mortgage Applications 569
Total Mortgage Loan Application Amount $42,452,000
Average Mortgage Loan Application Amount $74,000
Highest Mortgage Loan Application Amount $420,000
Average Applicant Income $46,000
Highest Applicant Income $923,000
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Top Mortgage Lenders in Bollinger County, MO (2005)

Ranked by the number of mortgage applications each lender reported in Bollinger County, MO in 2005.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 US Bank, N.A.
Milwaukee, WI
49 $4,238,000 $86,000 $57,000
2 Beneficial Company LLC
Mettawa, IL
39 $2,389,000 $61,000 $37,000
3 US Bank North Dakota
Milwaukee, WI
36 $1,184,000 $32,000 $36,000
4 Countrywide Home Loans
Westlake Village, CA
32 $2,296,000 $71,000 $45,000
5 Ameriquest Mortgage Company
Orange, CA
26 $2,238,000 $86,000 $53,000
6 Nationstar Mortgage
Coppell, TX
19 $1,563,000 $82,000 $38,000
7 Wells Fargo Fin'l Missouri Inc
Des Moines, IA
17 $1,518,000 $89,000 $65,000
8 Delta Funding Corporation
Woodbury, NY
16 $1,516,000 $94,000 $51,000
9 Wells Fargo Bank, NA
Des Moines, IA
14 $1,226,000 $87,000 $127,000
10 First State Community Bank
Farmington, MO
12 $1,077,000 $89,000 $39,000

See every lender active in Bollinger County, MO in 2005 »

The tables below break down 2005 mortgage applications in Bollinger County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Bollinger County, MO in 2005

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 345 $28,298,000 $82,000 $232,000 $50,000 $923,000
Home Purchase 168 $12,002,000 $71,000 $420,000 $39,000 $177,000
Home Improvement 56 $2,152,000 $38,000 $208,000 $44,000 $96,000

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 457 $33,562,000 $73,000 $232,000 $49,000 $923,000
Not Provided 71 $5,641,000 $79,000 $336,000 $44,000 $177,000
Not applicable 26 $2,054,000 $79,000 $420,000 $3,000 $45,000
Hispanic 7 $312,000 $44,000 $106,000 $45,000 $71,000
Asian 4 $269,000 $67,000 $112,000 $44,000 $84,000
Black or African American 2 $520,000 $260,000 $420,000 $67,000 $108,000
American Indian or Alaskan Native 2 $94,000 $47,000 $89,000 $62,000 $62,000
Native Hawaiian or Other Pacific Islander 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) 563 $41,880,000 $74,000 $420,000 $46,000 $923,000
FHA-insured (Federal Housing Administration) 4 $311,000 $77,000 $110,000 $39,000 $52,000
VA-guaranteed (Veterans Administration) 2 $261,000 $130,000 $172,000 $51,000 $55,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 201 $15,247,000 $75,000 $420,000 $54,000 $923,000
Application Denied By Financial Institution 171 $11,396,000 $66,000 $336,000 $43,000 $386,000
Application Withdrawn By Applicant 92 $7,845,000 $85,000 $190,000 $46,000 $168,000
Loan Purchased By The Institution 55 $3,890,000 $70,000 $420,000 $19,000 $87,000
Application Approved But Not Accepted 37 $2,987,000 $80,000 $232,000 $55,000 $177,000
File Closed For Incompleteness 13 $1,087,000 $83,000 $134,000 $44,000 $100,000
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
Credit History 42 $2,506,000 $59,000 $150,000 $41,000 $386,000
Collateral 29 $2,150,000 $74,000 $171,000 $55,000 $162,000
Other 21 $1,886,000 $89,000 $142,000 $39,000 $85,000
Credit Application Incomplete 8 $689,000 $86,000 $136,000 $54,000 $87,000
Debt-To-Income Ratio 4 $234,000 $58,000 $77,000 $22,000 $29,000
Insufficient Cash (Downpayment, Closing Cost) 3 $266,000 $88,000 $133,000 $53,000 $61,000
Employment History 2 $95,000 $47,000 $72,000 $39,000 $42,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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