Bc National Banks Mortgage Lending & HMDA Data, 2004
In 2004, Bc National Banks of Lees Summit, MO reported 96 mortgage applications totaling $11.6 million, down 48% from 2003. The average application was for $121,020, and applicants reported an average income of $59,375. 52% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Kansas City, MO-KS (64), Baltimore-Towson, MD (1) and Bethesda-Frederick-Gaithersburg, MD (1) (applications in parentheses).
| Mortgage Company & Address | Bc National Banks 360 Sw M-150 Hwy Lees Summit, MO 64082 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 96 |
| Total Mortgage Loan Application Amount | $11,618,000 |
| Average Mortgage Loan Application Amount | $121,020 |
| Highest Mortgage Loan Application Amount | $940,000 |
| Average Applicant Income | $59,375 |
| Highest Applicant Income | $339,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bc National Banks filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 64 | $ 7,004,000 | $ 109,437 | $ 56,000 |
| Baltimore-Towson, MD | 1 | $ 700,000 | $ 700,000 | $ 165,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Charleston, WV | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| Columbus, OH | 1 | $ 320,000 | $ 320,000 | $ 339,000 |
| Lawrence, KS | 1 | $ 145,000 | $ 145,000 | $ 180,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 79,000 | $ 79,000 | $ 79,000 |
| Naples-Marco Island, FL | 1 | $ 561,000 | $ 561,000 | $ 235,000 |
| Pittsburgh, PA | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| St. Louis, MO-IL | 1 | $ 190,000 | $ 190,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Bc National Banks in 2004
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 | 69 | $8,489,000 | $243,714 | $940,000 | $104,285 | $337,000 |
| Refinancing | 23 | $2,893,000 | $148,833 | $320,000 | $103,333 | $339,000 |
| Home Improvement | 4 | $236,000 | $59,000 | $183,000 | $52,000 | $74,000 |
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 | 74 | $7,202,000 | $136,375 | $808,000 | $88,500 | $339,000 |
| Not Provided | 7 | $1,518,000 | $325,666 | $700,000 | $92,000 | $165,000 |
| Not applicable | 5 | $1,393,000 | $278,000 | $940,000 | $86,000 | $337,000 |
| Black or African American | 5 | $496,000 | $114,000 | $255,000 | $75,000 | $154,000 |
| American Indian or Alaskan Native | 4 | $448,000 | $102,000 | $183,000 | $43,666 | $62,000 |
| Asian | 1 | $561,000 | $561,000 | $561,000 | $235,000 | $235,000 |
| Hispanic | 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) | 94 | $11,473,000 | $169,555 | $940,000 | $107,333 | $339,000 |
| FHA-insured (Federal Housing Administration) | 2 | $145,000 | $72,500 | $90,000 | $49,000 | $60,000 |
| 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 | 50 | $6,153,000 | $209,750 | $940,000 | $123,000 | $337,000 |
| Application Withdrawn By Applicant | 22 | $2,924,000 | $225,500 | $700,000 | $119,166 | $339,000 |
| Application Denied By Financial Institution | 20 | $2,297,000 | $121,400 | $259,000 | $45,200 | $154,000 |
| Application Approved But Not Accepted | 2 | $47,000 | $23,000 | $39,000 | $56,000 | $74,000 |
| Preapproval Approved but not Accepted | 1 | $77,000 | $77,000 | $77,000 | $43,000 | $43,000 |
| Preapproval Denied by Financial Institution | 1 | $120,000 | $120,000 | $120,000 | $62,000 | $62,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $980,000 | $118,000 | $183,000 | $42,000 | $71,000 |
| Credit History | 8 | $1,189,000 | $126,400 | $259,000 | $44,800 | $154,000 |
| Collateral | 2 | $55,000 | $27,000 | $40,000 | $28,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $120,000 | $120,000 | $120,000 | $62,000 | $62,000 |
| Other | 1 | $73,000 | $73,000 | $73,000 | $60,000 | $60,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bc National Banks's 2004 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 Bc National Banks'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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