Deborah M Gorman and Associate Mortgage Lending & HMDA Data, 2006
In 2006, Deborah M Gorman and Associate of Saint Louis, MO reported 606 mortgage applications totaling $86.2 million. The average application was for $142,287, and applicants reported an average income of $68,264. 54% of its applications resulted in an originated loan and 1% were denied. Its largest markets were St. Louis, MO-IL (459), Kansas City, MO-KS (20) and Chicago-Naperville-Joliet, IL (16) (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 | 606 |
| Total Mortgage Loan Application Amount | $86,226,000 |
| Average Mortgage Loan Application Amount | $142,287 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $68,264 |
| Highest Applicant Income | $321,000 |
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records Deborah M Gorman and Associate filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Deborah M Gorman and Associate in 2006
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 | 410 | $61,288,000 | $149,000 | $1,505,000 | $66,000 | $321,000 |
| Home Purchase | 196 | $24,938,000 | $127,000 | $520,000 | $73,000 | $284,000 |
| 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 | 496 | $73,076,000 | $147,000 | $1,505,000 | $72,000 | $321,000 |
| Black or African American | 39 | $4,582,000 | $117,000 | $351,000 | $69,000 | $178,000 |
| Not Provided | 37 | $4,444,000 | $120,000 | $258,000 | $51,000 | $144,000 |
| Hispanic | 32 | $3,839,000 | $119,000 | $267,000 | $26,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $150,000 | $150,000 | $150,000 | $89,000 | $89,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $73,000 | $73,000 |
| Asian | 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) | 598 | $85,147,000 | $142,000 | $1,505,000 | $69,000 | $321,000 |
| FHA-insured (Federal Housing Administration) | 7 | $954,000 | $136,000 | $171,000 | $61,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $71,000 | $71,000 |
| 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 | 330 | $49,125,000 | $148,000 | $682,000 | $83,000 | $321,000 |
| Application Withdrawn By Applicant | 270 | $36,495,000 | $135,000 | $1,505,000 | $51,000 | $251,000 |
| Application Denied By Financial Institution | 5 | $578,000 | $115,000 | $148,000 | $47,000 | $62,000 |
| Application Approved But Not Accepted | 1 | $28,000 | $28,000 | $28,000 | $34,000 | $34,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $223,000 | $111,000 | $148,000 | $37,000 | $46,000 |
| Employment History | 1 | $146,000 | $146,000 | $146,000 | $62,000 | $62,000 |
| 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 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Deborah M Gorman and Associate's 2006 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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