H&R Block Bank Mortgage Lending & HMDA Data, 2008
In 2008, H&R Block Bank of Kansas City, MO reported 683 mortgage applications totaling $128.2 million, down 78% from 2007. The average application was for $187,674, and applicants reported an average income of $125,496. 24% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (40), Atlanta-Sandy Springs-Marietta, GA (20) and Chicago-Naperville-Joliet, IL (14) (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 | 683 |
| Total Mortgage Loan Application Amount | $128,182,000 |
| Average Mortgage Loan Application Amount | $187,674 |
| Highest Mortgage Loan Application Amount | $1,010,000 |
| Average Applicant Income | $125,496 |
| Highest Applicant Income | $1,827,000 |
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Act (HMDA) records H&R Block Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for H&R Block Bank in 2008
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 | 621 | $119,687,000 | $192,000 | $1,010,000 | $131,000 | $1,827,000 |
| Home Purchase | 61 | $8,460,000 | $138,000 | $608,000 | $71,000 | $850,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $32,000 | $32,000 |
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 | 379 | $66,466,000 | $175,000 | $1,010,000 | $109,000 | $1,398,000 |
| Not Provided | 183 | $34,613,000 | $189,000 | $910,000 | $173,000 | $625,000 |
| Black or African American | 62 | $12,060,000 | $194,000 | $675,000 | $77,000 | $188,000 |
| Hispanic | 39 | $8,449,000 | $216,000 | $660,000 | $145,000 | $1,827,000 |
| Asian | 10 | $3,420,000 | $342,000 | $966,000 | $135,000 | $466,000 |
| American Indian or Alaskan Native | 5 | $1,188,000 | $237,000 | $360,000 | $87,000 | $124,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,986,000 | $397,000 | $570,000 | $103,000 | $150,000 |
| 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) | 683 | $128,182,000 | $187,000 | $1,010,000 | $126,000 | $1,827,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 324 | $57,889,000 | $178,000 | $660,000 | $69,000 | $850,000 |
| Application Withdrawn By Applicant | 190 | $37,126,000 | $195,000 | $910,000 | $112,000 | $1,827,000 |
| Loan Originated | 162 | $31,675,000 | $195,000 | $1,010,000 | $257,000 | $1,398,000 |
| File Closed For Incompleteness | 7 | $1,492,000 | $213,000 | $540,000 | $77,000 | $118,000 |
| Application Approved But Not Accepted | 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 | 257 | $43,392,000 | $168,000 | $660,000 | $70,000 | $850,000 |
| Collateral | 33 | $7,452,000 | $225,000 | $474,000 | $73,000 | $152,000 |
| Debt-To-Income Ratio | 31 | $6,109,000 | $197,000 | $645,000 | $51,000 | $192,000 |
| Mortgage Insurance Denied | 1 | $127,000 | $127,000 | $127,000 | $47,000 | $47,000 |
| Other | 1 | $201,000 | $201,000 | $201,000 | $96,000 | $96,000 |
| Unverifiable Information | 1 | $608,000 | $608,000 | $608,000 | $240,000 | $240,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Bank's 2008 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.
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