B & L Bank Mortgage Lending & HMDA Data, 2003
In 2003, B & L Bank of Lexington, MO reported 178 mortgage applications totaling $13.8 million. The average application was for $77,483, and applicants reported an average income of $74,893. 94% of its applications resulted in an originated loan and 3% were denied. Its largest market was Kansas City, MO-KS (167).
| Mortgage Company & Address | B & L Bank 205 S. 13th Lexington, MO 64067 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 178 |
| Total Mortgage Loan Application Amount | $13,792,000 |
| Average Mortgage Loan Application Amount | $77,483 |
| Highest Mortgage Loan Application Amount | $448,000 |
| Average Applicant Income | $74,893 |
| Highest Applicant Income | $252,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records B & L Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for B & L Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 95 | $7,954,000 | $72,000 | $448,000 | $64,500 | $252,000 |
| Home Purchase (one-to-four family) | 77 | $5,707,000 | $97,000 | $315,000 | $88,000 | $252,000 |
| Home Improvement (one-to-four family) | 6 | $131,000 | $25,000 | $45,000 | $72,500 | $111,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 168 | $13,006,000 | $79,500 | $448,000 | $70,000 | $252,000 |
| Black | 7 | $314,000 | $44,000 | $78,000 | $48,000 | $66,000 |
| Hispanic | 1 | $161,000 | $161,000 | $161,000 | $71,000 | $71,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $41,000 | $41,000 |
| Asian or Pacific Islander | 1 | $246,000 | $246,000 | $246,000 | $236,000 | $236,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 178 | $13,792,000 | $79,500 | $448,000 | $71,000 | $252,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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 | 167 | $13,086,000 | $83,000 | $448,000 | $82,500 | $252,000 |
| Application Denied By Financial Institution | 5 | $169,000 | $28,500 | $60,000 | $30,500 | $38,000 |
| Application Withdrawn By Applicant | 5 | $492,000 | $98,000 | $270,000 | $70,000 | $111,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $117,000 | $117,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 2 | $73,000 | $36,000 | $60,000 | $23,000 | $26,000 |
| Debt-To-Income Ratio | 2 | $78,000 | $39,000 | $58,000 | $33,000 | $34,000 |
| Other | 1 | $18,000 | $18,000 | $18,000 | $38,000 | $38,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 B & L Bank's 2003 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 B & L Bank'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.
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with aggregated HMDA statistics today.
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