James B. Nutter & Co. Mortgage Lending & HMDA Data, 2013
In 2013, James B. Nutter & Co. of Kansas City, MO reported 13,039 mortgage applications totaling $1.8 billion, down 14% from 2012. The average application was for $136,736, and applicants reported an average income of $17,392. 48% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Kansas City, MO-KS (3,221), Houston-Sugar Land-Baytown, TX (536) and Dallas-Plano-Irving, TX (495) (applications in parentheses).
| Mortgage Company & Address | James B. Nutter & Co. 4153 Broadway Kansas City, MO 64111 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 13,039 |
| Total Mortgage Loan Application Amount | $1,782,901,000 |
| Average Mortgage Loan Application Amount | $136,736 |
| Highest Mortgage Loan Application Amount | $731,000 |
| Average Applicant Income | $17,392 |
| Highest Applicant Income | $893,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records James B. Nutter & Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 James B. Nutter & Co. in 2013
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 | 11,960 | $1,610,068,000 | $134,000 | $731,000 | $14,000 | $546,000 |
| Home Purchase | 1,079 | $172,833,000 | $160,000 | $570,000 | $55,000 | $893,000 |
| 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 | 9,912 | $1,373,846,000 | $138,000 | $633,000 | $20,000 | $893,000 |
| Black or African American | 1,651 | $212,583,000 | $128,000 | $518,000 | $8,000 | $241,000 |
| Hispanic | 1,020 | $131,525,000 | $128,000 | $731,000 | $10,000 | $280,000 |
| Asian | 248 | $34,729,000 | $140,000 | $570,000 | $12,000 | $655,000 |
| Native Hawaiian or Other Pacific Islander | 181 | $25,687,000 | $141,000 | $470,000 | $1,000 | $78,000 |
| Not Provided | 14 | $2,564,000 | $183,000 | $417,000 | $45,000 | $179,000 |
| American Indian or Alaskan Native | 13 | $1,967,000 | $151,000 | $229,000 | $26,000 | $156,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 7,853 | $945,130,000 | $120,000 | $594,000 | $4,000 | $655,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,797 | $422,522,000 | $151,000 | $570,000 | $69,000 | $893,000 |
| VA-guaranteed (Veterans Administration) | 2,364 | $412,315,000 | $174,000 | $731,000 | $2,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,934,000 | $117,000 | $179,000 | $33,000 | $67,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 6,231 | $843,011,000 | $135,000 | $589,000 | $22,000 | $655,000 |
| File Closed For Incompleteness | 3,113 | $419,519,000 | $134,000 | $731,000 | $0 | $200,000 |
| Application Denied By Financial Institution | 1,717 | $219,231,000 | $127,000 | $589,000 | $14,000 | $290,000 |
| Application Withdrawn By Applicant | 1,146 | $166,097,000 | $144,000 | $633,000 | $24,000 | $450,000 |
| Application Approved But Not Accepted | 298 | $44,285,000 | $148,000 | $452,000 | $20,000 | $282,000 |
| Preapproval Approved but not Accepted | 267 | $49,598,000 | $185,000 | $417,000 | $61,000 | $360,000 |
| Preapproval Denied by Financial Institution | 141 | $22,559,000 | $159,000 | $570,000 | $30,000 | $198,000 |
| Loan Purchased By The Institution | 126 | $18,601,000 | $147,000 | $459,000 | $88,000 | $893,000 |
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 |
|---|---|---|---|---|---|---|
| Other | 1,090 | $137,106,000 | $125,000 | $589,000 | $8,000 | $290,000 |
| Credit History | 512 | $65,881,000 | $128,000 | $506,000 | $19,000 | $252,000 |
| Debt-To-Income Ratio | 137 | $21,679,000 | $158,000 | $570,000 | $28,000 | $137,000 |
| Collateral | 69 | $9,590,000 | $138,000 | $375,000 | $65,000 | $209,000 |
| Employment History | 18 | $2,572,000 | $142,000 | $365,000 | $30,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,813,000 | $139,000 | $304,000 | $44,000 | $122,000 |
| Credit Application Incomplete | 6 | $1,003,000 | $167,000 | $417,000 | $21,000 | $97,000 |
| Mortgage Insurance Denied | 5 | $713,000 | $142,000 | $184,000 | $18,000 | $91,000 |
| Unverifiable Information | 3 | $580,000 | $193,000 | $245,000 | $63,000 | $112,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into James B. Nutter & Co.'s 2013 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 James B. Nutter & Co.'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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