Gorman & Gorman Res Mtg Srv in Mortgage Lending & HMDA Data, 2009
In 2009, Gorman & Gorman Res Mtg Srv in of St. Louis, MO reported 2,350 mortgage applications totaling $400.5 million, up 80% from 2008. The average application was for $170,420, and applicants reported an average income of $71,048. 39% of its applications resulted in an originated loan and 1% were denied. Its largest markets were St. Louis, MO-IL (1,394), Springfield, MO (139) and Dallas-Plano-Irving, TX (8) (applications in parentheses).
| Mortgage Company & Address | Gorman & Gorman Res Mtg Srv in 11960 Westline Industrial Dr., S-110 St. Louis, MO 63146 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,350 |
| Total Mortgage Loan Application Amount | $400,488,000 |
| Average Mortgage Loan Application Amount | $170,420 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $71,048 |
| Highest Applicant Income | $3,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gorman & Gorman Res Mtg Srv in filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, Missouri | 784 | $ 167,623,000 | $ 213,804 | $ 112,000 |
| St. Charles, Missouri | 232 | $ 39,552,000 | $ 170,482 | $ 67,000 |
| St. Louis City, Missouri | 212 | $ 36,160,000 | $ 170,566 | $ 74,000 |
| Greene, Missouri | 99 | $ 14,016,000 | $ 141,575 | $ 53,000 |
| Jefferson, Missouri | 90 | $ 14,398,000 | $ 159,977 | $ 75,000 |
| Christian, Missouri | 33 | $ 4,160,000 | $ 126,060 | $ 40,000 |
| Madison, Illinois | 24 | $ 3,491,000 | $ 145,458 | $ 72,000 |
| Franklin, Missouri | 19 | $ 4,060,000 | $ 213,684 | $ 123,000 |
| Stone, Missouri | 12 | $ 1,987,000 | $ 165,583 | $ 93,000 |
| St. Clair, Illinois | 10 | $ 1,922,000 | $ 192,200 | $ 104,000 |
| Warren, Missouri | 9 | $ 1,264,000 | $ 140,444 | $ 46,000 |
| Camden, Missouri | 8 | $ 1,700,000 | $ 212,500 | $ 351,000 |
| Lincoln, Missouri | 5 | $ 852,000 | $ 170,400 | $ 63,000 |
| Webster, Missouri | 5 | $ 634,000 | $ 126,800 | $ 61,000 |
| Cook, Illinois | 4 | $ 1,301,000 | $ 325,250 | $ 139,000 |
| Cape Girardeau, Missouri | 4 | $ 572,000 | $ 143,000 | $ 101,000 |
| Taney, Missouri | 4 | $ 455,000 | $ 113,750 | $ 43,000 |
| Cole, Missouri | 3 | $ 295,000 | $ 98,333 | $ 109,000 |
| Gasconade, Missouri | 3 | $ 695,000 | $ 231,666 | $ 86,000 |
| Jackson, Missouri | 3 | $ 986,000 | $ 328,666 | $ 297,000 |
| Collin, Texas | 3 | $ 699,000 | $ 233,000 | $ 174,000 |
| Adams, Illinois | 2 | $ 178,000 | $ 89,000 | $ 59,000 |
| Clinton, Illinois | 2 | $ 260,000 | $ 130,000 | $ 67,000 |
| Macoupin, Illinois | 2 | $ 188,000 | $ 94,000 | $ 133,000 |
| Monroe, Illinois | 2 | $ 426,000 | $ 213,000 | $ 88,000 |
| Cass, Missouri | 2 | $ 288,000 | $ 144,000 | $ 83,000 |
| Crawford, Missouri | 2 | $ 270,000 | $ 135,000 | $ 91,000 |
| Dallas, Missouri | 2 | $ 346,000 | $ 173,000 | $ 42,000 |
| St. Francois, Missouri | 2 | $ 365,000 | $ 182,500 | $ 90,000 |
| Ste. Genevieve, Missouri | 2 | $ 146,000 | $ 73,000 | $ 28,000 |
| Clark, Nevada | 2 | $ 252,000 | $ 126,000 | $ 139,000 |
| Dallas, Texas | 2 | $ 337,000 | $ 168,500 | $ 165,000 |
| Denton, Texas | 2 | $ 352,000 | $ 176,000 | $ 114,000 |
| Williamson, Texas | 2 | $ 308,000 | $ 154,000 | $ 47,000 |
| Marion, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Charlotte, Florida | 1 | $ 240,000 | $ 240,000 | $ 56,000 |
| Lee, Florida | 1 | $ 244,000 | $ 244,000 | $ 136,000 |
| Palm Beach, Florida | 1 | $ 167,000 | $ 167,000 | $ 304,000 |
| Sarasota, Florida | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Seminole, Florida | 1 | $ 350,000 | $ 350,000 | $ 158,000 |
| Cobb, Georgia | 1 | $ 172,000 | $ 172,000 | $ 180,000 |
| Forsyth, Georgia | 1 | $ 208,000 | $ 208,000 | $ 526,000 |
| Fulton, Georgia | 1 | $ 417,000 | $ 417,000 | $ 217,000 |
| Bond, Illinois | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Jersey, Illinois | 1 | $ 288,000 | $ 288,000 | $ 271,000 |
| Kane, Illinois | 1 | $ 113,000 | $ 113,000 | $ 51,000 |
| Randolph, Illinois | 1 | $ 250,000 | $ 250,000 | $ 116,000 |
| Washington, Illinois | 1 | $ 246,000 | $ 246,000 | $ 114,000 |
| Winnebago, Illinois | 1 | $ 194,000 | $ 194,000 | $ 85,000 |
| Johnson, Kansas | 1 | $ 417,000 | $ 417,000 | $ 337,000 |
| Daviess, Kentucky | 1 | $ 210,000 | $ 210,000 | $ 73,000 |
| Lyon, Kentucky | 1 | $ 214,000 | $ 214,000 | $ 163,000 |
| Washtenaw, Michigan | 1 | $ 203,000 | $ 203,000 | $ 144,000 |
| Boone, Missouri | 1 | $ 104,000 | $ 104,000 | $ 315,000 |
| Clay, Missouri | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| Douglas, Missouri | 1 | $ 28,000 | $ 28,000 | $ 15,000 |
| Jasper, Missouri | 1 | $ 114,000 | $ 114,000 | $ 27,000 |
| Marion, Missouri | 1 | $ 142,000 | $ 142,000 | $ 104,000 |
| Montgomery, Missouri | 1 | $ 414,000 | $ 414,000 | $ 100,000 |
| New Madrid, Missouri | 1 | $ 44,000 | $ 44,000 | $ 20,000 |
| Newton, Missouri | 1 | $ 158,000 | $ 158,000 | $ 67,000 |
| Osage, Missouri | 1 | $ 122,000 | $ 122,000 | $ 51,000 |
| Perry, Missouri | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Pettis, Missouri | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Pike, Missouri | 1 | $ 124,000 | $ 124,000 | $ 39,000 |
| St. Clair, Missouri | 1 | $ 50,000 | $ 50,000 | $ 11,000 |
| Texas, Missouri | 1 | $ 149,000 | $ 149,000 | $ 47,000 |
| Washington, Missouri | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 239,000 | $ 239,000 | $ 148,000 |
| Tulsa, Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 461,000 |
| Shelby, Tennessee | 1 | $ 199,000 | $ 199,000 | $ 112,000 |
| Harris, Texas | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Rockwall, Texas | 1 | $ 118,000 | $ 118,000 | $ 48,000 |
| Clallam, Washington | 1 | $ 137,000 | $ 137,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for Gorman & Gorman Res Mtg Srv in 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 | 1,219 | $240,664,000 | $197,000 | $1,800,000 | $98,000 | $3,000,000 |
| Home Purchase | 1,131 | $159,824,000 | $141,000 | $1,129,000 | $42,000 | $1,488,000 |
| 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 | 2,074 | $362,151,000 | $174,000 | $1,800,000 | $75,000 | $3,000,000 |
| Black or African American | 222 | $28,636,000 | $128,000 | $455,000 | $34,000 | $1,134,000 |
| Asian | 30 | $5,738,000 | $191,000 | $500,000 | $56,000 | $291,000 |
| Hispanic | 17 | $2,378,000 | $139,000 | $240,000 | $50,000 | $212,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,052,000 | $263,000 | $391,000 | $126,000 | $198,000 |
| American Indian or Alaskan Native | 2 | $362,000 | $181,000 | $183,000 | $36,000 | $73,000 |
| Not Provided | 1 | $171,000 | $171,000 | $171,000 | $97,000 | $97,000 |
| 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) | 1,302 | $254,701,000 | $195,000 | $1,800,000 | $102,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 1,001 | $139,042,000 | $138,000 | $405,000 | $32,000 | $320,000 |
| VA-guaranteed (Veterans Administration) | 42 | $6,183,000 | $147,000 | $290,000 | $37,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $562,000 | $112,000 | $143,000 | $24,000 | $73,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 1,359 | $212,542,000 | $156,000 | $1,800,000 | $52,000 | $1,200,000 |
| Loan Originated | 924 | $177,534,000 | $192,000 | $675,000 | $99,000 | $3,000,000 |
| Application Approved But Not Accepted | 41 | $7,079,000 | $172,000 | $417,000 | $92,000 | $244,000 |
| Application Denied By Financial Institution | 26 | $3,333,000 | $128,000 | $296,000 | $46,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $1,222,000 | $111,000 | $224,000 | $49,000 | $78,000 |
| Debt-To-Income Ratio | 7 | $1,043,000 | $149,000 | $221,000 | $48,000 | $77,000 |
| Credit History | 4 | $611,000 | $152,000 | $296,000 | $38,000 | $79,000 |
| Other | 3 | $380,000 | $126,000 | $140,000 | $48,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $77,000 | $77,000 | $77,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gorman & Gorman Res Mtg Srv in'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 Gorman & Gorman Res Mtg Srv in'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.
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