James B. Nutter & Co. Mortgage Lending & HMDA Data, 2005
In 2005, James B. Nutter & Co. of Kansas City, MO reported 5,785 mortgage applications totaling $747.6 million, down 38% from 2004. The average application was for $129,228, and applicants reported an average income of $44,226. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Kansas City, MO-KS (1,300), Dallas-Plano-Irving, TX (287) and Atlanta-Sandy Springs-Marietta, GA (238) (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 | 5,785 |
| Total Mortgage Loan Application Amount | $747,587,000 |
| Average Mortgage Loan Application Amount | $129,228 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $44,226 |
| Highest Applicant Income | $800,000 |
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(HMDA) records James B. Nutter & Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 4,860 | $611,209,000 | $125,829 | $713,000 | $37,170 | $721,000 |
| Home Purchase | 925 | $136,378,000 | $154,219 | $1,000,000 | $47,634 | $800,000 |
| 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 | 4,812 | $627,784,000 | $129,085 | $1,000,000 | $41,255 | $800,000 |
| Black or African American | 529 | $63,497,000 | $123,166 | $643,000 | $24,166 | $293,000 |
| Hispanic | 231 | $29,608,000 | $128,884 | $348,000 | $38,807 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 94 | $10,127,000 | $124,200 | $373,000 | $9,850 | $115,000 |
| Asian | 65 | $9,309,000 | $142,529 | $360,000 | $55,294 | $134,000 |
| Not Provided | 42 | $5,079,000 | $114,823 | $320,000 | $25,882 | $111,000 |
| American Indian or Alaskan Native | 12 | $2,183,000 | $186,111 | $360,000 | $79,222 | $192,000 |
| 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) | 3,173 | $483,464,000 | $150,375 | $1,000,000 | $63,458 | $800,000 |
| FHA-insured (Federal Housing Administration) | 2,565 | $258,129,000 | $98,659 | $373,000 | $1,227 | $140,000 |
| VA-guaranteed (Veterans Administration) | 47 | $5,994,000 | $129,555 | $255,000 | $2,444 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 5,034 | $628,883,000 | $124,956 | $1,000,000 | $32,543 | $800,000 |
| Application Withdrawn By Applicant | 538 | $86,358,000 | $160,860 | $412,000 | $63,511 | $293,000 |
| Application Denied By Financial Institution | 208 | $31,583,000 | $151,666 | $360,000 | $60,600 | $149,000 |
| Application Approved But Not Accepted | 5 | $763,000 | $152,600 | $238,000 | $71,200 | $111,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 73 | $10,695,000 | $159,444 | $360,000 | $56,222 | $119,000 |
| Debt-To-Income Ratio | 54 | $9,585,000 | $175,200 | $344,000 | $58,050 | $149,000 |
| Other | 40 | $5,583,000 | $138,000 | $280,000 | $63,000 | $140,000 |
| Collateral | 34 | $4,602,000 | $139,923 | $256,000 | $55,692 | $135,000 |
| Employment History | 4 | $664,000 | $166,000 | $217,000 | $61,250 | $86,000 |
| Unverifiable Information | 2 | $216,000 | $108,000 | $164,000 | $44,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $238,000 | $238,000 | $238,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into James B. Nutter & Co.'s 2005 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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