Jasper County, MO Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 5,744 mortgage applications in Jasper County, MO totaling $603.2 million, down 14% from 2009. The average application was for $105,000, and applicants reported an average income of $55,000. 51% of applications resulted in an originated loan and 17% were denied. The most active lender was Southwest Missouri Bank, with 632 applications, followed by Bank of America, N.A. and Wells Fargo Bank, NA.

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Total Number of Mortgage Applications 5,744
Total Mortgage Loan Application Amount $603,238,000
Average Mortgage Loan Application Amount $105,000
Highest Mortgage Loan Application Amount $8,461,000
Average Applicant Income $55,000
Highest Applicant Income $1,195,000
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Top Mortgage Lenders in Jasper County, MO (2010)

Ranked by the number of mortgage applications each lender reported in Jasper County, MO in 2010.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 Southwest Missouri Bank
Carthage, MO
632 $53,191,000 $84,000 $58,000
2 Bank of America, N.A.
Calabasas, CA
528 $52,626,000 $99,000 $57,000
3 Wells Fargo Bank, NA
Winston-Salem, NC
405 $45,977,000 $113,000 $60,000
4 Arvest Mortgage Company
Lowell, AR
393 $45,120,000 $114,000 $75,000
5 Hometown Bank, National Association
Carthage, MO
348 $37,370,000 $107,000 $60,000
6 Branch Banking and Trust Co
Wilson, NC
306 $37,007,000 $120,000 $0
7 US Bank North Dakota
Milwaukee, WI
274 $20,286,000 $74,000 $55,000
8 US Bank, N.A.
Milwaukee, WI
269 $30,595,000 $113,000 $55,000
9 JPMorgan Chase Bank, NA
Columbus, OH
196 $22,344,000 $114,000 $43,000
10 Community Bank and Trust
Neosho, MO
164 $15,385,000 $93,000 $65,000

See every lender active in Jasper County, MO in 2010 »

The tables below break down 2010 mortgage applications in Jasper 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 Jasper County, MO in 2010

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 3,343 $388,439,000 $116,000 $8,461,000 $58,000 $1,195,000
Home Purchase 2,112 $205,704,000 $97,000 $816,000 $49,000 $1,116,000
Home Improvement 289 $9,095,000 $31,000 $450,000 $54,000 $630,000

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 4,524 $465,887,000 $102,000 $1,228,000 $61,000 $1,195,000
Not applicable 645 $83,046,000 $128,000 $8,461,000 $7,000 $373,000
Not Provided 311 $30,961,000 $99,000 $390,000 $59,000 $550,000
Hispanic 134 $11,850,000 $88,000 $392,000 $53,000 $550,000
American Indian or Alaskan Native 44 $3,717,000 $84,000 $167,000 $85,000 $1,116,000
Black or African American 39 $3,219,000 $82,000 $164,000 $46,000 $133,000
Asian 36 $3,374,000 $93,000 $234,000 $49,000 $280,000
Native Hawaiian or Other Pacific Islander 11 $1,184,000 $107,000 $225,000 $49,000 $90,000

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) 3,670 $383,321,000 $104,000 $8,461,000 $62,000 $1,195,000
FHA-insured (Federal Housing Administration) 1,611 $165,237,000 $102,000 $388,000 $41,000 $480,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 244 $26,057,000 $106,000 $519,000 $44,000 $234,000
VA-guaranteed (Veterans Administration) 219 $28,623,000 $130,000 $605,000 $44,000 $185,000

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 2,914 $308,361,000 $105,000 $8,461,000 $64,000 $1,195,000
Loan Purchased By The Institution 1,105 $127,158,000 $115,000 $417,000 $29,000 $373,000
Application Denied By Financial Institution 979 $88,345,000 $90,000 $720,000 $51,000 $1,138,000
Application Withdrawn By Applicant 429 $47,034,000 $109,000 $605,000 $65,000 $1,116,000
Application Approved But Not Accepted 217 $21,560,000 $99,000 $417,000 $57,000 $480,000
File Closed For Incompleteness 98 $10,689,000 $109,000 $315,000 $58,000 $240,000
Preapproval Approved but not Accepted 2 $91,000 $45,000 $60,000 $93,000 $148,000
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 261 $17,739,000 $67,000 $310,000 $46,000 $280,000
Collateral 156 $18,517,000 $118,000 $720,000 $74,000 $448,000
Debt-To-Income Ratio 129 $13,400,000 $103,000 $560,000 $42,000 $550,000
Other 74 $6,583,000 $88,000 $379,000 $58,000 $218,000
Credit Application Incomplete 46 $4,499,000 $97,000 $231,000 $48,000 $179,000
Insufficient Cash (Downpayment, Closing Cost) 17 $1,718,000 $101,000 $380,000 $56,000 $360,000
Unverifiable Information 15 $1,455,000 $97,000 $169,000 $47,000 $100,000
Employment History 11 $830,000 $75,000 $148,000 $39,000 $68,000
Mortgage Insurance Denied 2 $217,000 $108,000 $122,000 $58,000 $86,000

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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