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records Boone National Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbia, MO | 460 | $ 50,558,000 | $ 109,908 | $ 97,000 |
| St. Louis, MO-IL | 23 | $ 3,516,000 | $ 152,869 | $ 162,000 |
| Kansas City, MO-KS | 12 | $ 1,332,000 | $ 111,000 | $ 107,000 |
| Lexington, KY | 3 | $ 352,000 | $ 117,333 | $ 86,000 |
| Phoenix-Mesa, AZ | 2 | $ 265,000 | $ 132,500 | $ 166,000 |
| San Diego, CA | 2 | $ 621,000 | $ 310,500 | $ 252,000 |
| Springfield, MO | 2 | $ 129,000 | $ 64,500 | $ 41,000 |
| Wichita, KS | 2 | $ 297,000 | $ 148,500 | $ 76,000 |
| Atlanta, GA | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Birmingham, AL | 1 | $ 228,000 | $ 228,000 | $ 120,000 |
| Champaign-Urbana, IL | 1 | $ 99,000 | $ 99,000 | $ 39,000 |
| Des Moines, IA | 1 | $ 81,000 | $ 81,000 | $ 43,000 |
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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