Boone National Savings & Loan Mortgage Lending & HMDA Data, 2004
In 2004, Boone National Savings & Loan of Maryland Heights, MO reported 390 mortgage applications totaling $48.1 million, down 52% from 2003. The average application was for $123,341, and applicants reported an average income of $82,728. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbia, MO (156), St. Louis, MO-IL (10) and Jefferson City, MO (6) (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 | 390 |
| Total Mortgage Loan Application Amount | $48,103,000 |
| Average Mortgage Loan Application Amount | $123,341 |
| Highest Mortgage Loan Application Amount | $334,000 |
| Average Applicant Income | $82,728 |
| Highest Applicant Income | $463,000 |
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records Boone National Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 155 | $ 17,452,000 | $ 112,593 | $ 70,000 |
| Camden, Missouri | 131 | $ 17,973,000 | $ 137,198 | $ 85,000 |
| Morgan, Missouri | 31 | $ 4,079,000 | $ 131,580 | $ 114,000 |
| Miller, Missouri | 23 | $ 2,657,000 | $ 115,521 | $ 85,000 |
| St. Louis, Missouri | 6 | $ 803,000 | $ 133,833 | $ 134,000 |
| Callaway, Missouri | 4 | $ 489,000 | $ 122,250 | $ 76,000 |
| Greene, Missouri | 4 | $ 310,000 | $ 77,500 | $ 107,000 |
| Johnson, Kansas | 3 | $ 369,000 | $ 123,000 | $ 125,000 |
| Monongalia, West Virginia | 3 | $ 561,000 | $ 187,000 | $ 78,000 |
| Wyandotte, Kansas | 2 | $ 115,000 | $ 57,500 | $ 16,000 |
| Cole, Missouri | 2 | $ 174,000 | $ 87,000 | $ 62,000 |
| Cooper, Missouri | 2 | $ 178,000 | $ 89,000 | $ 40,000 |
| Randolph, Missouri | 2 | $ 63,000 | $ 31,500 | $ 18,000 |
| Baldwin, Alabama | 1 | $ 154,000 | $ 154,000 | $ 187,000 |
| Santa Barbara, California | 1 | $ 280,000 | $ 280,000 | $ 107,000 |
| Arapahoe, Colorado | 1 | $ 186,000 | $ 186,000 | $ 40,000 |
| Mesa, Colorado | 1 | $ 172,000 | $ 172,000 | $ 77,000 |
| Madison, Illinois | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Will, Illinois | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Henry, Iowa | 1 | $ 124,000 | $ 124,000 | $ 86,000 |
| Madison, Kentucky | 1 | $ 116,000 | $ 116,000 | $ 86,000 |
| Audrain, Missouri | 1 | $ 97,000 | $ 97,000 | $ 98,000 |
| Benton, Missouri | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Christian, Missouri | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Clay, Missouri | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Dallas, Missouri | 1 | $ 290,000 | $ 290,000 | $ 69,000 |
| Howard, Missouri | 1 | $ 52,000 | $ 52,000 | $ 70,000 |
| Jackson, Missouri | 1 | $ 160,000 | $ 160,000 | $ 102,000 |
| Jefferson, Missouri | 1 | $ 130,000 | $ 130,000 | $ 79,000 |
| Lafayette, Missouri | 1 | $ 112,000 | $ 112,000 | $ 110,000 |
| St. Charles, Missouri | 1 | $ 162,000 | $ 162,000 | $ 48,000 |
| St. Louis City, Missouri | 1 | $ 147,000 | $ 147,000 | $ 136,000 |
| Warren, Missouri | 1 | $ 73,000 | $ 73,000 | $ 50,000 |
| York, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 15,000 |
| Delaware, Oklahoma | 1 | $ 136,000 | $ 136,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Boone National Savings & Loan 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 |
|---|---|---|---|---|---|---|
| Refinancing | 205 | $25,047,000 | $133,571 | $334,000 | $76,000 | $401,000 |
| Home Purchase | 185 | $23,056,000 | $137,714 | $334,000 | $86,714 | $463,000 |
| Home Improvement | 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 | 332 | $41,466,000 | $132,100 | $334,000 | $85,600 | $463,000 |
| Not Provided | 46 | $5,758,000 | $200,500 | $323,000 | $101,000 | $340,000 |
| Black or African American | 7 | $439,000 | $60,500 | $85,000 | $42,000 | $133,000 |
| Hispanic | 3 | $309,000 | $103,000 | $121,000 | $70,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $88,000 | $88,000 | $88,000 | $84,000 | $84,000 |
| Asian | 1 | $43,000 | $43,000 | $43,000 | $140,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 390 | $48,103,000 | $142,909 | $334,000 | $85,181 | $463,000 |
| 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 | 323 | $40,282,000 | $139,333 | $334,000 | $92,444 | $463,000 |
| Application Withdrawn By Applicant | 50 | $6,435,000 | $178,800 | $280,000 | $110,400 | $276,000 |
| Application Denied By Financial Institution | 17 | $1,386,000 | $74,250 | $323,000 | $26,250 | $135,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $486,000 | $60,000 | $100,000 | $43,000 | $84,000 |
| Debt-To-Income Ratio | 7 | $406,000 | $64,250 | $85,000 | $29,250 | $135,000 |
| Other | 1 | $171,000 | $171,000 | $171,000 | $38,000 | $38,000 |
| Unverifiable Information | 1 | $323,000 | $323,000 | $323,000 | $65,000 | $65,000 |
| 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 Boone National Savings & Loan'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 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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