First Missouri National Bank Mortgage Lending & HMDA Data, 2007
In 2007, First Missouri National Bank of Brookfield, MO reported 592 mortgage applications totaling $84.5 million. The average application was for $142,717, and applicants reported an average income of $82,202. 34% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Kansas City, MO-KS (296), Springfield, MO (10) and Topeka, KS (9) (applications in parentheses).
| Mortgage Company & Address | First Missouri National Bank P.O. Box 190 Brookfield, MO 64628 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 592 |
| Total Mortgage Loan Application Amount | $84,489,000 |
| Average Mortgage Loan Application Amount | $142,717 |
| Highest Mortgage Loan Application Amount | $1,437,000 |
| Average Applicant Income | $82,202 |
| Highest Applicant Income | $1,205,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Missouri National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 296 | $ 51,592,000 | $ 174,297 | $ 83,959 |
| Springfield, MO | 10 | $ 1,260,000 | $ 126,000 | $ 71,000 |
| Topeka, KS | 9 | $ 941,000 | $ 104,555 | $ 57,000 |
| Wichita, KS | 8 | $ 1,621,000 | $ 202,625 | $ 91,000 |
| St. Louis, MO-IL | 7 | $ 1,151,000 | $ 164,428 | $ 85,000 |
| Albuquerque, NM | 6 | $ 948,000 | $ 158,000 | $ 46,000 |
| New Haven-Milford, CT | 5 | $ 1,299,000 | $ 259,800 | $ 94,000 |
| Denver-Aurora, CO | 4 | $ 855,000 | $ 213,750 | $ 113,000 |
| Norwich-New London, CT | 4 | $ 1,048,000 | $ 262,000 | $ 116,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,037,000 | $ 345,666 | $ 131,000 |
| Grand Junction, CO | 3 | $ 645,000 | $ 215,000 | $ 74,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 638,000 | $ 212,666 | $ 119,000 |
| St. Joseph, MO-KS | 3 | $ 399,000 | $ 133,000 | $ 66,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 498,000 | $ 249,000 | $ 86,000 |
| Lawrence, KS | 2 | $ 322,000 | $ 161,000 | $ 85,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 388,000 | $ 194,000 | $ 118,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 289,000 | $ 144,500 | $ 102,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 270,000 | $ 270,000 | $ 112,000 |
| Columbia, MO | 1 | $ 211,000 | $ 211,000 | $ 1,205,000 |
| Farmington, NM | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Jefferson City, MO | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Joplin, MO | 1 | $ 116,000 | $ 116,000 | $ 77,000 |
| Knoxville, TN | 1 | $ 266,000 | $ 266,000 | $ 210,000 |
| Las Cruces, NM | 1 | $ 238,000 | $ 238,000 | $ 90,000 |
| Las Vegas-Paradise, NV | 1 | $ 1,437,000 | $ 1,437,000 | $ 337,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 81,000 | $ 81,000 | $ 127,000 |
| Santa Fe, NM | 1 | $ 354,000 | $ 354,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for First Missouri National Bank in 2007
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 | 321 | $42,864,000 | $133,000 | $650,000 | $78,000 | $585,000 |
| Refinancing | 226 | $39,112,000 | $173,000 | $1,437,000 | $91,000 | $1,205,000 |
| Home Improvement | 45 | $2,513,000 | $55,000 | $336,000 | $68,000 | $296,000 |
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 | 530 | $73,111,000 | $137,000 | $1,367,000 | $83,000 | $1,205,000 |
| Hispanic | 17 | $3,630,000 | $213,000 | $1,437,000 | $74,000 | $337,000 |
| Black or African American | 14 | $3,240,000 | $231,000 | $1,000,000 | $99,000 | $500,000 |
| Not applicable | 12 | $1,574,000 | $131,000 | $320,000 | $0 | $0 |
| Asian | 9 | $1,755,000 | $195,000 | $417,000 | $96,000 | $149,000 |
| Not Provided | 7 | $865,000 | $123,000 | $231,000 | $68,000 | $106,000 |
| American Indian or Alaskan Native | 3 | $314,000 | $104,000 | $196,000 | $67,000 | $111,000 |
| 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) | 580 | $82,528,000 | $142,000 | $1,437,000 | $82,000 | $1,205,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,961,000 | $163,000 | $230,000 | $76,000 | $186,000 |
| 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 Purchased By The Institution | 322 | $58,930,000 | $183,000 | $1,000,000 | $90,000 | $500,000 |
| Loan Originated | 204 | $16,854,000 | $82,000 | $328,000 | $73,000 | $1,205,000 |
| Application Withdrawn By Applicant | 39 | $5,918,000 | $151,000 | $1,437,000 | $84,000 | $337,000 |
| Application Denied By Financial Institution | 26 | $2,707,000 | $104,000 | $1,367,000 | $49,000 | $480,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $23,000 | $23,000 |
| Application Approved But Not Accepted | 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 | 18 | $823,000 | $45,000 | $131,000 | $35,000 | $69,000 |
| Debt-To-Income Ratio | 5 | $1,837,000 | $367,000 | $1,367,000 | $24,000 | $65,000 |
| Collateral | 2 | $23,000 | $11,000 | $13,000 | $247,000 | $480,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $24,000 | $24,000 | $24,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Missouri National Bank's 2007 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 First Missouri National 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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