H&R Block Bank Mortgage Lending & HMDA Data, 2009
In 2009, H&R Block Bank of Kansas City, MO reported 236 mortgage applications totaling $44.2 million, down 65% from 2008. The average application was for $187,487, and applicants reported an average income of $151,766. 71% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Eau Claire, WI (40), Minneapolis-St. Paul-Bloomington, MN-WI (15) and Madison, WI (8) (applications in parentheses).
| Mortgage Company & Address | H&R Block Bank One H&R Block Way Kansas City, MO 64105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 236 |
| Total Mortgage Loan Application Amount | $44,247,000 |
| Average Mortgage Loan Application Amount | $187,487 |
| Highest Mortgage Loan Application Amount | $674,000 |
| Average Applicant Income | $151,766 |
| Highest Applicant Income | $1,678,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records H&R Block Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Eau Claire, Wisconsin | 33 | $ 5,203,000 | $ 157,666 | $ 269,000 |
| Dunn, Wisconsin | 13 | $ 3,153,000 | $ 242,538 | $ 291,000 |
| St. Croix, Wisconsin | 11 | $ 1,501,000 | $ 136,454 | $ 235,000 |
| Chippewa, Wisconsin | 7 | $ 1,106,000 | $ 158,000 | $ 104,000 |
| Dane, Wisconsin | 7 | $ 1,240,000 | $ 177,142 | $ 128,000 |
| Rock, Wisconsin | 7 | $ 540,000 | $ 77,142 | $ 70,000 |
| Lee, Florida | 6 | $ 1,040,000 | $ 173,333 | $ 176,000 |
| Baldwin, Alabama | 4 | $ 599,000 | $ 149,750 | $ 108,000 |
| Winnebago, Illinois | 4 | $ 372,000 | $ 93,000 | $ 74,000 |
| Monmouth, New Jersey | 4 | $ 1,093,000 | $ 273,250 | $ 528,000 |
| Winnebago, Wisconsin | 4 | $ 381,000 | $ 95,250 | $ 62,000 |
| Clark, Nevada | 3 | $ 480,000 | $ 160,000 | $ 55,000 |
| Bergen, New Jersey | 3 | $ 1,492,000 | $ 497,333 | $ 188,000 |
| Dallas, Texas | 3 | $ 497,000 | $ 165,666 | $ 194,000 |
| Lauderdale, Alabama | 2 | $ 174,000 | $ 87,000 | $ 83,000 |
| New Haven, Connecticut | 2 | $ 546,000 | $ 273,000 | $ 131,000 |
| Citrus, Florida | 2 | $ 412,000 | $ 206,000 | $ 84,000 |
| Lake, Florida | 2 | $ 344,000 | $ 172,000 | $ 187,000 |
| Miami-Dade, Florida | 2 | $ 446,000 | $ 223,000 | $ 128,000 |
| Orange, Florida | 2 | $ 229,000 | $ 114,500 | $ 57,000 |
| Palm Beach, Florida | 2 | $ 796,000 | $ 398,000 | $ 260,000 |
| Sarasota, Florida | 2 | $ 426,000 | $ 213,000 | $ 214,000 |
| Cobb, Georgia | 2 | $ 274,000 | $ 137,000 | $ 146,000 |
| Marion, Indiana | 2 | $ 230,000 | $ 115,000 | $ 51,000 |
| Middlesex, Massachusetts | 2 | $ 932,000 | $ 466,000 | $ 135,000 |
| Nassau, New York | 2 | $ 667,000 | $ 333,500 | $ 78,000 |
| Multnomah, Oregon | 2 | $ 473,000 | $ 236,500 | $ 58,000 |
| Providence, Rhode Island | 2 | $ 322,000 | $ 161,000 | $ 128,000 |
| Montgomery, Texas | 2 | $ 347,000 | $ 173,500 | $ 100,000 |
| King, Washington | 2 | $ 788,000 | $ 394,000 | $ 127,000 |
| Spokane, Washington | 2 | $ 161,000 | $ 80,500 | $ 63,000 |
| La Crosse, Wisconsin | 2 | $ 209,000 | $ 104,500 | $ 72,000 |
| Marathon, Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 77,000 |
| Racine, Wisconsin | 2 | $ 109,000 | $ 54,500 | $ 113,000 |
| Clay, Alabama | 1 | $ 64,000 | $ 64,000 | $ 27,000 |
| Los Angeles, California | 1 | $ 390,000 | $ 390,000 | $ 71,000 |
| Riverside, California | 1 | $ 417,000 | $ 417,000 | $ 89,000 |
| San Bernardino, California | 1 | $ 343,000 | $ 343,000 | $ 88,000 |
| San Joaquin, California | 1 | $ 190,000 | $ 190,000 | $ 98,000 |
| Arapahoe, Colorado | 1 | $ 172,000 | $ 172,000 | $ 69,000 |
| Denver, Colorado | 1 | $ 169,000 | $ 169,000 | $ 46,000 |
| Broward, Florida | 1 | $ 190,000 | $ 190,000 | $ 120,000 |
| Flagler, Florida | 1 | $ 629,000 | $ 629,000 | $ 562,000 |
| Hillsborough, Florida | 1 | $ 417,000 | $ 417,000 | $ 210,000 |
| Leon, Florida | 1 | $ 126,000 | $ 126,000 | $ 87,000 |
| Volusia, Florida | 1 | $ 139,000 | $ 139,000 | $ 38,000 |
| DeKalb, Georgia | 1 | $ 434,000 | $ 434,000 | $ 93,000 |
| Fulton, Georgia | 1 | $ 87,000 | $ 87,000 | $ 29,000 |
| Newton, Georgia | 1 | $ 336,000 | $ 336,000 | $ 147,000 |
| Thomas, Georgia | 1 | $ 133,000 | $ 133,000 | $ 79,000 |
| Honolulu, Hawaii | 1 | $ 199,000 | $ 199,000 | $ 54,000 |
| Maui, Hawaii | 1 | $ 196,000 | $ 196,000 | $ 31,000 |
| Cumberland, Illinois | 1 | $ 54,000 | $ 54,000 | $ 31,000 |
| DuPage, Illinois | 1 | $ 283,000 | $ 283,000 | $ 94,000 |
| Ripley, Indiana | 1 | $ 153,000 | $ 153,000 | $ 77,000 |
| Floyd, Iowa | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Johnson, Kansas | 1 | $ 417,000 | $ 417,000 | $ 357,000 |
| Boyd, Kentucky | 1 | $ 61,000 | $ 61,000 | $ 40,000 |
| Scott, Kentucky | 1 | $ 184,000 | $ 184,000 | $ 278,000 |
| Oxford, Maine | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Washington, Maine | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Frederick, Maryland | 1 | $ 358,000 | $ 358,000 | $ 117,000 |
| Barnstable, Massachusetts | 1 | $ 362,000 | $ 362,000 | $ 49,000 |
| Bristol, Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 97,000 |
| Essex, Massachusetts | 1 | $ 202,000 | $ 202,000 | $ 76,000 |
| Kalamazoo, Michigan | 1 | $ 26,000 | $ 26,000 | $ 50,000 |
| Oakland, Michigan | 1 | $ 111,000 | $ 111,000 | $ 17,000 |
| Hennepin, Minnesota | 1 | $ 118,000 | $ 118,000 | $ 57,000 |
| Olmsted, Minnesota | 1 | $ 101,000 | $ 101,000 | $ 157,000 |
| Ramsey, Minnesota | 1 | $ 517,000 | $ 517,000 | $ 161,000 |
| Washington, Minnesota | 1 | $ 234,000 | $ 234,000 | $ 46,000 |
| Platte, Missouri | 1 | $ 340,000 | $ 340,000 | $ 170,000 |
| Missoula, Montana | 1 | $ 168,000 | $ 168,000 | $ 100,000 |
| Clay, Nebraska | 1 | $ 69,000 | $ 69,000 | $ 44,000 |
| Sarpy, Nebraska | 1 | $ 136,000 | $ 136,000 | $ 54,000 |
| Rockingham, New Hampshire | 1 | $ 89,000 | $ 89,000 | $ 79,000 |
| Atlantic, New Jersey | 1 | $ 225,000 | $ 225,000 | $ 28,000 |
| Gloucester, New Jersey | 1 | $ 227,000 | $ 227,000 | $ 52,000 |
| Bronx, New York | 1 | $ 417,000 | $ 417,000 | $ 42,000 |
| Broome, New York | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Kings, New York | 1 | $ 537,000 | $ 537,000 | $ 106,000 |
| Westchester, New York | 1 | $ 306,000 | $ 306,000 | $ 146,000 |
| Macon, North Carolina | 1 | $ 157,000 | $ 157,000 | $ 34,000 |
| Mecklenburg, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 132,000 |
| Bucks, Pennsylvania | 1 | $ 307,000 | $ 307,000 | $ 48,000 |
| Butler, Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Chester, Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 27,000 |
| Lackawanna, Pennsylvania | 1 | $ 86,000 | $ 86,000 | $ 57,000 |
| Montgomery, Pennsylvania | 1 | $ 91,000 | $ 91,000 | $ 81,000 |
| Pike, Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 45,000 |
| York, Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 25,000 |
| Kent, Rhode Island | 1 | $ 153,000 | $ 153,000 | $ 45,000 |
| Sevier, Tennessee | 1 | $ 276,000 | $ 276,000 | $ 158,000 |
| Collin, Texas | 1 | $ 253,000 | $ 253,000 | $ 153,000 |
| Denton, Texas | 1 | $ 57,000 | $ 57,000 | $ 125,000 |
| Harris, Texas | 1 | $ 80,000 | $ 80,000 | $ 162,000 |
| Hunt, Texas | 1 | $ 146,000 | $ 146,000 | $ 114,000 |
| Jefferson, Texas | 1 | $ 142,000 | $ 142,000 | $ 598,000 |
| Parker, Texas | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Rockwall, Texas | 1 | $ 254,000 | $ 254,000 | $ 226,000 |
| Travis, Texas | 1 | $ 133,000 | $ 133,000 | $ 133,000 |
| Albemarle, Virginia | 1 | $ 198,000 | $ 198,000 | $ 246,000 |
| Grayson, Virginia | 1 | $ 186,000 | $ 186,000 | $ 57,000 |
| Harrisonburg, Virginia | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Prince William, Virginia | 1 | $ 377,000 | $ 377,000 | $ 85,000 |
| Roanoke City, Virginia | 1 | $ 136,000 | $ 136,000 | $ 23,000 |
| Virginia Beach, Virginia | 1 | $ 139,000 | $ 139,000 | $ 24,000 |
| Kitsap, Washington | 1 | $ 167,000 | $ 167,000 | $ 43,000 |
| Kittitas, Washington | 1 | $ 219,000 | $ 219,000 | $ 165,000 |
| Mason, Washington | 1 | $ 99,000 | $ 99,000 | $ 31,000 |
| Snohomish, Washington | 1 | $ 355,000 | $ 355,000 | $ 126,000 |
| Thurston, Washington | 1 | $ 199,000 | $ 199,000 | $ 57,000 |
| Brown, Wisconsin | 1 | $ 57,000 | $ 57,000 | $ 68,000 |
| Columbia, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 27,000 |
| Jefferson, Wisconsin | 1 | $ 397,000 | $ 397,000 | $ 87,000 |
| Kewaunee, Wisconsin | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Outagamie, Wisconsin | 1 | $ 107,000 | $ 107,000 | $ 73,000 |
| Pierce, Wisconsin | 1 | $ 188,000 | $ 188,000 | $ 95,000 |
| Rusk, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 112,000 |
| Shawano, Wisconsin | 1 | $ 89,000 | $ 89,000 | $ 89,000 |
| Sheboygan, Wisconsin | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for H&R Block Bank 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 | 235 | $43,897,000 | $186,000 | $674,000 | $152,000 | $1,678,000 |
| Home Purchase | 1 | $350,000 | $350,000 | $350,000 | $97,000 | $97,000 |
| 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 | 207 | $37,109,000 | $179,000 | $629,000 | $157,000 | $1,678,000 |
| Hispanic | 14 | $3,720,000 | $265,000 | $674,000 | $104,000 | $239,000 |
| Black or African American | 10 | $1,783,000 | $178,000 | $434,000 | $81,000 | $128,000 |
| Asian | 4 | $1,305,000 | $326,000 | $520,000 | $215,000 | $598,000 |
| American Indian or Alaskan Native | 1 | $330,000 | $330,000 | $330,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 236 | $44,247,000 | $187,000 | $674,000 | $151,000 | $1,678,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 167 | $32,289,000 | $193,000 | $674,000 | $180,000 | $1,678,000 |
| Application Withdrawn By Applicant | 44 | $7,442,000 | $169,000 | $434,000 | $76,000 | $272,000 |
| Application Approved But Not Accepted | 14 | $2,137,000 | $152,000 | $417,000 | $108,000 | $126,000 |
| Application Denied By Financial Institution | 10 | $2,269,000 | $226,000 | $535,000 | $80,000 | $191,000 |
| File Closed For Incompleteness | 1 | $110,000 | $110,000 | $110,000 | $57,000 | $57,000 |
| 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 |
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 | 4 | $1,099,000 | $274,000 | $535,000 | $93,000 | $191,000 |
| Other | 2 | $386,000 | $193,000 | $283,000 | $81,000 | $94,000 |
| Debt-To-Income Ratio | 2 | $195,000 | $97,000 | $112,000 | $45,000 | $50,000 |
| Employment History | 1 | $69,000 | $69,000 | $69,000 | $50,000 | $50,000 |
| Credit History | 1 | $520,000 | $520,000 | $520,000 | $128,000 | $128,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Bank'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 H&R Block 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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