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Act (HMDA) records H&R Block Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Eau Claire, WI | 40 | $ 6,309,000 | $ 157,725 | $ 240,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 2,558,000 | $ 170,533 | $ 196,000 |
| Madison, WI | 8 | $ 1,360,000 | $ 170,000 | $ 115,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,207,000 | $ 172,428 | $ 171,000 |
| Janesville, WI | 7 | $ 540,000 | $ 77,142 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,040,000 | $ 173,333 | $ 176,000 |
| New York-White Plains-Wayne, NY-NJ | 6 | $ 2,752,000 | $ 458,666 | $ 143,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 1,131,000 | $ 226,200 | $ 112,000 |
| Edison-New Brunswick, NJ | 4 | $ 1,093,000 | $ 273,250 | $ 528,000 |
| Orlando-Kissimmee, FL | 4 | $ 573,000 | $ 143,250 | $ 122,000 |
| Oshkosh-Neenah, WI | 4 | $ 381,000 | $ 95,250 | $ 62,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 825,000 | $ 206,250 | $ 99,250 |
| Rockford, IL | 4 | $ 372,000 | $ 93,000 | $ 74,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 427,000 | $ 142,333 | $ 120,000 |
| Las Vegas-Paradise, NV | 3 | $ 480,000 | $ 160,000 | $ 55,000 |
| Philadelphia, PA | 3 | $ 544,000 | $ 181,333 | $ 52,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,143,000 | $ 381,000 | $ 126,000 |
| Bradenton-Sarasota-Venice, FL | 2 | $ 426,000 | $ 213,000 | $ 214,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 932,000 | $ 466,000 | $ 135,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 341,000 | $ 170,500 | $ 57,000 |
| Florence-Muscle Shoals, AL | 2 | $ 174,000 | $ 87,000 | $ 83,000 |
| Green Bay, WI | 2 | $ 138,000 | $ 69,000 | $ 54,000 |
| Indianapolis-Carmel, IN | 2 | $ 230,000 | $ 115,000 | $ 51,000 |
| Kansas City, MO-KS | 2 | $ 757,000 | $ 378,500 | $ 263,500 |
| La Crosse, WI-MN | 2 | $ 209,000 | $ 104,500 | $ 72,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 446,000 | $ 223,000 | $ 128,000 |
| Nassau-Suffolk, NY | 2 | $ 667,000 | $ 333,500 | $ 78,000 |
| New Haven-Milford, CT | 2 | $ 546,000 | $ 273,000 | $ 131,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 473,000 | $ 236,500 | $ 58,000 |
| Racine, WI | 2 | $ 109,000 | $ 54,500 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 760,000 | $ 380,000 | $ 88,000 |
| Spokane, WA | 2 | $ 161,000 | $ 80,500 | $ 63,000 |
| Wausau, WI | 2 | $ 220,000 | $ 110,000 | $ 77,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 796,000 | $ 398,000 | $ 260,000 |
| Appleton, WI | 1 | $ 107,000 | $ 107,000 | $ 73,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 225,000 | $ 225,000 | $ 28,000 |
| Austin-Round Rock, TX | 1 | $ 133,000 | $ 133,000 | $ 133,000 |
| Barnstable Town, MA | 1 | $ 362,000 | $ 362,000 | $ 49,000 |
| Beaumont-Port Arthur, TX | 1 | $ 142,000 | $ 142,000 | $ 598,000 |
| Bethesda-Frederick-Rockville, MD | 1 | $ 358,000 | $ 358,000 | $ 117,000 |
| Binghamton, NY | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Bremerton-Silverdale, WA | 1 | $ 167,000 | $ 167,000 | $ 43,000 |
| Camden, NJ | 1 | $ 227,000 | $ 227,000 | $ 52,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 120,000 | $ 120,000 | $ 132,000 |
| Charlottesville, VA | 1 | $ 198,000 | $ 198,000 | $ 246,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 283,000 | $ 283,000 | $ 94,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 139,000 | $ 139,000 | $ 38,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 190,000 | $ 190,000 | $ 120,000 |
| Fort Worth-Arlington, TX | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Harrisonburg, VA | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Honolulu, HI | 1 | $ 199,000 | $ 199,000 | $ 54,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 61,000 | $ 61,000 | $ 40,000 |
| Kalamazoo-Portage, MI | 1 | $ 26,000 | $ 26,000 | $ 50,000 |
| Lexington-Fayette, KY | 1 | $ 184,000 | $ 184,000 | $ 278,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 390,000 | $ 390,000 | $ 71,000 |
| Missoula, MT | 1 | $ 168,000 | $ 168,000 | $ 100,000 |
| Newark-Union, NJ-PA | 1 | $ 216,000 | $ 216,000 | $ 45,000 |
| Olympia, WA | 1 | $ 199,000 | $ 199,000 | $ 57,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 136,000 | $ 136,000 | $ 54,000 |
| Palm Coast, FL | 1 | $ 629,000 | $ 629,000 | $ 562,000 |
| Peabody, MA | 1 | $ 202,000 | $ 202,000 | $ 76,000 |
| Pittsburgh, PA | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Roanoke, VA | 1 | $ 136,000 | $ 136,000 | $ 23,000 |
| Rochester, MN | 1 | $ 101,000 | $ 101,000 | $ 157,000 |
| Rockingham County-Strafford County, NH | 1 | $ 89,000 | $ 89,000 | $ 79,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 86,000 | $ 86,000 | $ 57,000 |
| Sheboygan, WI | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Stockton, CA | 1 | $ 190,000 | $ 190,000 | $ 98,000 |
| Tallahassee, FL | 1 | $ 126,000 | $ 126,000 | $ 87,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 417,000 | $ 417,000 | $ 210,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 139,000 | $ 139,000 | $ 24,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 111,000 | $ 111,000 | $ 17,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 377,000 | $ 377,000 | $ 85,000 |
| York-Hanover, PA | 1 | $ 96,000 | $ 96,000 | $ 25,000 |
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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