Boone National Savings & Loan Mortgage Lending & HMDA Data, 2003
In 2003, Boone National Savings & Loan of Maryland Heights, MO reported 808 mortgage applications totaling $96.9 million. The average application was for $119,875, and applicants reported an average income of $98,547. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Columbia, MO (460), St. Louis, MO-IL (23) and Kansas City, MO-KS (12) (applications in parentheses).
| Mortgage Company & Address | Boone National Savings & Loan 201 Progress Parkway Maryland Heights, MO 63043 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 808 |
| Total Mortgage Loan Application Amount | $96,859,000 |
| Average Mortgage Loan Application Amount | $119,875 |
| Highest Mortgage Loan Application Amount | $840,000 |
| Average Applicant Income | $98,547 |
| Highest Applicant Income | $999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Boone National Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boone, Missouri | 460 | $ 50,558,000 | $ 109,908 | $ 97,000 |
| Camden, Missouri | 199 | $ 27,252,000 | $ 136,944 | $ 101,000 |
| Miller, Missouri | 42 | $ 6,315,000 | $ 150,357 | $ 103,000 |
| St. Louis, Missouri | 13 | $ 2,361,000 | $ 181,615 | $ 98,000 |
| Morgan, Missouri | 11 | $ 839,000 | $ 76,272 | $ 100,000 |
| Cole, Missouri | 9 | $ 861,000 | $ 95,666 | $ 95,000 |
| Jackson, Missouri | 8 | $ 932,000 | $ 116,500 | $ 144,000 |
| Randolph, Missouri | 6 | $ 353,000 | $ 58,833 | $ 52,000 |
| St. Charles, Missouri | 6 | $ 804,000 | $ 134,000 | $ 92,000 |
| Callaway, Missouri | 5 | $ 512,000 | $ 102,400 | $ 48,000 |
| Cooper, Missouri | 4 | $ 331,000 | $ 82,750 | $ 58,000 |
| Montgomery, Missouri | 4 | $ 420,000 | $ 105,000 | $ 68,000 |
| Johnson, Kansas | 3 | $ 363,000 | $ 121,000 | $ 88,000 |
| Madison, Kentucky | 3 | $ 352,000 | $ 117,333 | $ 86,000 |
| Ray, Missouri | 3 | $ 263,000 | $ 87,666 | $ 79,000 |
| Maricopa, Arizona | 2 | $ 265,000 | $ 132,500 | $ 166,000 |
| San Diego, California | 2 | $ 621,000 | $ 310,500 | $ 252,000 |
| Christian, Missouri | 2 | $ 129,000 | $ 64,500 | $ 41,000 |
| St. Louis City, Missouri | 2 | $ 260,000 | $ 130,000 | $ 505,000 |
| Shelby, Alabama | 1 | $ 228,000 | $ 228,000 | $ 120,000 |
| Eagle, Colorado | 1 | $ 305,000 | $ 305,000 | $ 305,000 |
| Routt, Colorado | 1 | $ 166,000 | $ 166,000 | $ 147,000 |
| Cobb, Georgia | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Hawaii, Hawaii | 1 | $ 89,000 | $ 89,000 | $ 65,000 |
| Champaign, Illinois | 1 | $ 99,000 | $ 99,000 | $ 39,000 |
| Christian, Illinois | 1 | $ 178,000 | $ 178,000 | $ 132,000 |
| Polk, Iowa | 1 | $ 81,000 | $ 81,000 | $ 43,000 |
| Butler, Kansas | 1 | $ 77,000 | $ 77,000 | $ 61,000 |
| Chautauqua, Kansas | 1 | $ 160,000 | $ 160,000 | $ 130,000 |
| Riley, Kansas | 1 | $ 292,000 | $ 292,000 | $ 211,000 |
| Sedgwick, Kansas | 1 | $ 220,000 | $ 220,000 | $ 91,000 |
| Adair, Missouri | 1 | $ 28,000 | $ 28,000 | $ 12,000 |
| Audrain, Missouri | 1 | $ 144,000 | $ 144,000 | $ 28,000 |
| Franklin, Missouri | 1 | $ 76,000 | $ 76,000 | $ 63,000 |
| Jefferson, Missouri | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Johnson, Missouri | 1 | $ 67,000 | $ 67,000 | $ 41,000 |
| Laclede, Missouri | 1 | $ 141,000 | $ 141,000 | $ 84,000 |
| Moniteau, Missouri | 1 | $ 184,000 | $ 184,000 | $ 101,000 |
| Monroe, Missouri | 1 | $ 77,000 | $ 77,000 | $ 154,000 |
| Pettis, Missouri | 1 | $ 19,000 | $ 19,000 | $ 63,000 |
| Platte, Missouri | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
| Texas, Missouri | 1 | $ 84,000 | $ 84,000 | $ 83,000 |
| Washington, Missouri | 1 | $ 98,000 | $ 98,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Boone National Savings & Loan 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) | 591 | $71,403,000 | $158,700 | $840,000 | $135,100 | $999,000 |
| Home Purchase (one-to-four family) | 201 | $24,326,000 | $157,000 | $770,000 | $90,200 | $959,000 |
| Home Improvement (one-to-four family) | 16 | $1,130,000 | $70,000 | $309,000 | $88,000 | $144,000 |
| 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 | 730 | $86,723,000 | $163,300 | $840,000 | $129,400 | $999,000 |
| Information not provided by applicant in mail or telephone application | 42 | $4,501,000 | $94,000 | $323,000 | $55,500 | $328,000 |
| Not applicable | 17 | $3,193,000 | $187,000 | $700,000 | $40,000 | $232,000 |
| Hispanic | 6 | $1,024,000 | $153,000 | $296,000 | $50,000 | $132,000 |
| Asian or Pacific Islander | 5 | $730,000 | $146,000 | $296,000 | $233,000 | $799,000 |
| American Indian or Alaskan Native | 4 | $382,000 | $95,000 | $110,000 | $61,000 | $88,000 |
| Other | 4 | $306,000 | $76,000 | $136,000 | $244,000 | $439,000 |
| Black | 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) | 807 | $96,705,000 | $155,363 | $840,000 | $119,909 | $999,000 |
| VA-guaranteed (Veterans Administration) | 1 | $154,000 | $154,000 | $154,000 | $180,000 | $180,000 |
| 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 |
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 | 740 | $87,301,000 | $130,000 | $770,000 | $105,888 | $999,000 |
| Application Withdrawn By Applicant | 46 | $6,820,000 | $225,000 | $840,000 | $171,500 | $412,000 |
| Application Denied By Financial Institution | 18 | $2,169,000 | $120,000 | $250,000 | $64,000 | $241,000 |
| Application Approved But Not Accepted | 4 | $569,000 | $170,500 | $228,000 | $108,000 | $120,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 12 | $1,478,000 | $123,000 | $211,000 | $77,000 | $241,000 |
| Debt-To-Income Ratio | 5 | $441,000 | $88,000 | $157,000 | $38,000 | $67,000 |
| Collateral | 1 | $250,000 | $250,000 | $250,000 | $55,000 | $55,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Boone National Savings & Loan'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 Boone National Savings & Loan'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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