Clay County Savings Bank Mortgage Lending & HMDA Data, 2022
In 2022, Clay County Savings Bank of Liberty, MO reported 64 mortgage applications totaling $18.8 million. The average application was for $294,062, and applicants reported an average income of $130,671. 83% of its applications resulted in an originated loan and 2% were denied. Its largest market was Kansas City, MO-KS (62).
| Mortgage Company & Address | Clay County Savings Bank 1178 W Kansas Liberty, MO 64068 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 |
| Total Number of Mortgage Applications | 64 |
| Total Mortgage Loan Application Amount | $18,820,000 |
| Average Mortgage Loan Application Amount | $294,062 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $130,671 |
| Highest Applicant Income | $888,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clay County Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 62 | $ 17,630,000 | $ 284,354 | $ 137,080 |
| Outside any metro area | 2 | $ 1,190,000 | $ 595,000 | $ 0 |
Mortgage Loan Application Detail Totals for Clay County Savings Bank in 2022
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 | 35 | $13,225,000 | $377,000 | $925,000 | $167,000 | $888,000 |
| Cash-out Refinancing | 9 | $1,855,000 | $206,000 | $355,000 | $102,000 | $146,000 |
| Other Purpose | 8 | $1,250,000 | $156,000 | $435,000 | $74,000 | $175,000 |
| Refinancing | 8 | $2,170,000 | $271,000 | $785,000 | $58,000 | $90,000 |
| Home Improvement | 4 | $320,000 | $80,000 | $185,000 | $136,000 | $200,000 |
| Not Applicable | 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 | 45 | $11,805,000 | $262,000 | $925,000 | $138,000 | $888,000 |
| Not applicable | 13 | $5,855,000 | $450,000 | $785,000 | $0 | $0 |
| Asian | 4 | $450,000 | $112,000 | $205,000 | $65,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $66,000 | $66,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 64 | $18,820,000 | $294,000 | $925,000 | $137,000 | $888,000 |
| 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 | 53 | $17,145,000 | $323,000 | $925,000 | $150,000 | $888,000 |
| Application Approved But Not Accepted | 5 | $905,000 | $181,000 | $305,000 | $67,000 | $85,000 |
| Application Withdrawn By Applicant | 5 | $645,000 | $129,000 | $225,000 | $85,000 | $175,000 |
| Application Denied By Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $129,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 64 | $18,820,000 | $294,000 | $925,000 | $137,000 | $888,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clay County Savings Bank's 2022 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 Clay County Savings Bank'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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