Empire Bank
Mortgage Loan Application
Totals and Details
for 2013

Find mortgage loan statistics, HMDA data, and lending totals for Missouri.
The mortgage statistics and HMDA data below are specific to mortgage loan applications for Empire Bank.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and HMDA stats broken down by several loan categories from 2003-2017.

Mortgage Company & Address Empire Bank
1800 S Glenstone
Springfield, MO 65804
Tel #: available with data download
Federal Regulator * available with data download
Years 2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,078
Total Mortgage Loan Application Amount $151,361,000
Average Mortgage Loan Application Amount $113,100
Highest Mortgage Loan Application Amount $4,000,000
Average Applicant Income $77,200
Highest Applicant Income $1,108,000

Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The HMDA loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and HMDA data in MO, the totals and averages will help you understand where the lender does business as well as the volume of business they do.

Download the Missouri Lender List

The HMDA data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category, the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated HMDA data for the state of Missouri, and search the same numbers and information back through 2003.

Mortgage Loan Application Detail Totals for Empire Bank in 2013

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 602 $88,667,000 $147,000 $2,883,000 $79,000 $1,108,000
Home Purchase 398 $59,618,000 $149,000 $4,000,000 $79,000 $542,000
Home Improvement 78 $3,076,000 $39,000 $990,000 $61,000 $465,000

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 961 $117,255,000 $122,000 $1,609,000 $84,000 $1,108,000
Not applicable 76 $29,678,000 $390,000 $4,000,000 $0 $0
Asian 12 $1,514,000 $126,000 $287,000 $77,000 $300,000
Hispanic 12 $918,000 $76,000 $180,000 $49,000 $104,000
Not Provided 8 $869,000 $108,000 $270,000 $51,000 $120,000
Black or African American 6 $924,000 $154,000 $306,000 $105,000 $180,000
American Indian or Alaskan Native 3 $203,000 $67,000 $75,000 $53,000 $84,000
Native Hawaiian or Other Pacific Islander 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) 1,018 $144,859,000 $142,000 $4,000,000 $79,000 $1,108,000
FHA-insured (Federal Housing Administration) 37 $4,264,000 $115,000 $248,000 $52,000 $156,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $1,517,000 $89,000 $139,000 $36,000 $65,000
VA-guaranteed (Veterans Administration) 6 $721,000 $120,000 $255,000 $46,000 $59,000

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 707 $109,158,000 $154,000 $4,000,000 $82,000 $1,108,000
Application Approved But Not Accepted 188 $23,099,000 $122,000 $417,000 $78,000 $1,022,000
Application Denied By Financial Institution 167 $17,141,000 $102,000 $364,000 $58,000 $441,000
Application Withdrawn By Applicant 16 $1,963,000 $122,000 $290,000 $91,000 $400,000
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 71 $5,630,000 $79,000 $184,000 $42,000 $114,000
Debt-To-Income Ratio 48 $4,827,000 $100,000 $311,000 $43,000 $133,000
Collateral 33 $4,788,000 $145,000 $364,000 $109,000 $441,000
Other 8 $1,030,000 $128,000 $363,000 $82,000 $149,000
Insufficient Cash (Downpayment, Closing Cost) 3 $416,000 $138,000 $248,000 $72,000 $126,000
Employment History 2 $197,000 $98,000 $122,000 $22,000 $44,000
Mortgage Insurance Denied 1 $117,000 $117,000 $117,000 $32,000 $32,000
Unverifiable Information 1 $136,000 $136,000 $136,000 $97,000 $97,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This HMDA loan data gives you everything you need to know as you start your search for the best lenders in MO, and gives you an idea of what the best mortgage lenders really are.

If you prefer, you can download a copy of the entire list of mortgage lenders in Missouri, and search similar information at your convenience.

Download the Missouri Lender List