Deborah M Gorman and Associate Mortgage Lending & HMDA Data, 2009
In 2009, Deborah M Gorman and Associate of Saint Louis, MO reported 153 mortgage applications totaling $27.9 million, down 57% from 2008. The average application was for $182,588, and applicants reported an average income of $105,653. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were St. Louis, MO-IL (146), Columbia, MO (3) and Chicago-Naperville-Joliet, IL (1) (applications in parentheses).
| Mortgage Company & Address | Deborah M Gorman and Associate 12755 Olive Blvd, Suite 120 Saint Louis, MO 63141 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 153 |
| Total Mortgage Loan Application Amount | $27,936,000 |
| Average Mortgage Loan Application Amount | $182,588 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $105,653 |
| Highest Applicant Income | $639,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Deborah M Gorman and Associate filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Louis, MO-IL | 146 | $ 26,879,000 | $ 184,102 | $ 107,219 |
| Columbia, MO | 3 | $ 431,000 | $ 143,666 | $ 78,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 216,000 | $ 216,000 | $ 75,000 |
| Jefferson City, MO | 1 | $ 124,000 | $ 124,000 | $ 0 |
Mortgage Loan Application Detail Totals for Deborah M Gorman and Associate in 2009
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 | 134 | $24,314,000 | $181,000 | $417,000 | $110,000 | $639,000 |
| Home Purchase | 19 | $3,622,000 | $190,000 | $400,000 | $75,000 | $155,000 |
| 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 | 136 | $25,065,000 | $184,000 | $417,000 | $106,000 | $639,000 |
| Not Provided | 10 | $1,472,000 | $147,000 | $417,000 | $111,000 | $284,000 |
| Asian | 3 | $587,000 | $195,000 | $238,000 | $124,000 | $222,000 |
| Black or African American | 3 | $650,000 | $216,000 | $400,000 | $74,000 | $111,000 |
| Hispanic | 1 | $162,000 | $162,000 | $162,000 | $80,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 104 | $19,098,000 | $183,000 | $417,000 | $128,000 | $639,000 |
| FHA-insured (Federal Housing Administration) | 49 | $8,838,000 | $180,000 | $286,000 | $57,000 | $150,000 |
| 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 | 153 | $27,936,000 | $182,000 | $417,000 | $105,000 | $639,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Deborah M Gorman and Associate's 2009 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 Deborah M Gorman and Associate'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
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