Bank Star One Mortgage Lending & HMDA Data, 2011
In 2011, Bank Star One of Fulton, MO reported 321 mortgage applications totaling $49.5 million, up 49% from 2010. The average application was for $154,068, and applicants reported an average income of $104,813. 76% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Jefferson City, MO (47), St. Louis, MO-IL (24) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (2) (applications in parentheses).
| Mortgage Company & Address | Bank Star One 118 West 5th Street Fulton, MO 65251 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 321 |
| Total Mortgage Loan Application Amount | $49,456,000 |
| Average Mortgage Loan Application Amount | $154,068 |
| Highest Mortgage Loan Application Amount | $1,240,000 |
| Average Applicant Income | $104,813 |
| Highest Applicant Income | $969,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank Star One filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Bank Star One in 2011
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 203 | $30,361,000 | $149,000 | $1,240,000 | $116,000 | $969,000 |
| Refinancing | 97 | $17,351,000 | $178,000 | $1,017,000 | $95,000 | $600,000 |
| Home Improvement | 21 | $1,744,000 | $83,000 | $280,000 | $42,000 | $300,000 |
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 | 292 | $44,286,000 | $151,000 | $1,240,000 | $111,000 | $969,000 |
| Not applicable | 20 | $3,621,000 | $181,000 | $980,000 | $0 | $0 |
| Asian | 3 | $717,000 | $239,000 | $300,000 | $394,000 | $540,000 |
| Black or African American | 2 | $141,000 | $70,000 | $91,000 | $30,000 | $36,000 |
| Hispanic | 2 | $445,000 | $222,000 | $366,000 | $47,000 | $82,000 |
| Not Provided | 2 | $246,000 | $123,000 | $175,000 | $31,000 | $47,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 278 | $45,077,000 | $162,000 | $1,240,000 | $115,000 | $969,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $3,947,000 | $96,000 | $230,000 | $40,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 1 | $389,000 | $389,000 | $389,000 | $80,000 | $80,000 |
| FHA-insured (Federal Housing Administration) | 1 | $43,000 | $43,000 | $43,000 | $21,000 | $21,000 |
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 | 245 | $38,067,000 | $155,000 | $1,240,000 | $110,000 | $969,000 |
| Application Denied By Financial Institution | 41 | $6,239,000 | $152,000 | $450,000 | $80,000 | $493,000 |
| Application Approved But Not Accepted | 19 | $2,911,000 | $153,000 | $775,000 | $92,000 | $539,000 |
| Application Withdrawn By Applicant | 11 | $1,702,000 | $154,000 | $288,000 | $121,000 | $686,000 |
| File Closed For Incompleteness | 5 | $537,000 | $107,000 | $165,000 | $73,000 | $208,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Star One's 2011 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 Bank Star One'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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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