James B. Nutter & Co. Mortgage Lending & HMDA Data, 2007
In 2007, James B. Nutter & Co. of Kansas City, MO reported 1,341 mortgage applications totaling $200.6 million, down 33% from 2006. The average application was for $149,565, and applicants reported an average income of $63,800. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Kansas City, MO-KS (707), Dallas-Plano-Irving, TX (43) and Houston-Sugar Land-Baytown, TX (35) (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 | 1,341 |
| Total Mortgage Loan Application Amount | $200,568,000 |
| Average Mortgage Loan Application Amount | $149,565 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $63,800 |
| Highest Applicant Income | $425,000 |
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(HMDA) records James B. Nutter & Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 827 | $121,303,000 | $146,000 | $417,000 | $73,000 | $425,000 |
| Home Purchase | 514 | $79,265,000 | $154,000 | $565,000 | $49,000 | $397,000 |
| 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 | 1,143 | $172,008,000 | $150,000 | $565,000 | $67,000 | $425,000 |
| Black or African American | 90 | $12,191,000 | $135,000 | $413,000 | $45,000 | $148,000 |
| Hispanic | 58 | $8,847,000 | $152,000 | $396,000 | $56,000 | $120,000 |
| Not applicable | 29 | $4,192,000 | $144,000 | $323,000 | $4,000 | $13,000 |
| Asian | 12 | $1,653,000 | $137,000 | $230,000 | $47,000 | $113,000 |
| American Indian or Alaskan Native | 5 | $966,000 | $193,000 | $314,000 | $133,000 | $397,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $711,000 | $177,000 | $200,000 | $88,000 | $108,000 |
| 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) | 973 | $150,884,000 | $155,000 | $565,000 | $77,000 | $425,000 |
| FHA-insured (Federal Housing Administration) | 334 | $44,954,000 | $134,000 | $417,000 | $31,000 | $397,000 |
| VA-guaranteed (Veterans Administration) | 34 | $4,730,000 | $139,000 | $251,000 | $11,000 | $123,000 |
| 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 | 1,188 | $178,075,000 | $149,000 | $565,000 | $72,000 | $425,000 |
| Application Withdrawn By Applicant | 110 | $16,523,000 | $150,000 | $417,000 | $4,000 | $13,000 |
| Application Denied By Financial Institution | 43 | $5,970,000 | $138,000 | $387,000 | $3,000 | $15,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 40 | $5,546,000 | $138,000 | $387,000 | $3,000 | $15,000 |
| Collateral | 1 | $131,000 | $131,000 | $131,000 | $4,000 | $4,000 |
| Other | 1 | $120,000 | $120,000 | $120,000 | $0 | $0 |
| Credit History | 1 | $173,000 | $173,000 | $173,000 | $5,000 | $5,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into James B. Nutter & Co.'s 2007 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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