James B. Nutter & Co. Mortgage Lending & HMDA Data, 2009
In 2009, James B. Nutter & Co. of Kansas City, MO reported 9,497 mortgage applications totaling $1.7 billion, up 251% from 2008. The average application was for $183,994, and applicants reported an average income of $27,464. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Kansas City, MO-KS (3,184), San Juan-Caguas-Guaynabo, PR (958) and Dallas-Plano-Irving, TX (512) (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 | 9,497 |
| Total Mortgage Loan Application Amount | $1,747,396,000 |
| Average Mortgage Loan Application Amount | $183,994 |
| Highest Mortgage Loan Application Amount | $938,000 |
| Average Applicant Income | $27,464 |
| Highest Applicant Income | $1,083,000 |
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(HMDA) records James B. Nutter & Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 7,089 | $1,011,887,000 | $142,000 | $737,000 | $30,000 | $1,083,000 |
| Home Purchase | 2,408 | $735,509,000 | $305,000 | $938,000 | $20,000 | $490,000 |
| 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 | 7,421 | $1,137,434,000 | $153,000 | $938,000 | $29,000 | $1,083,000 |
| Hispanic | 1,366 | $505,932,000 | $370,000 | $938,000 | $20,000 | $319,000 |
| Black or African American | 579 | $83,209,000 | $143,000 | $810,000 | $23,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 67 | $9,947,000 | $148,000 | $450,000 | $4,000 | $108,000 |
| Asian | 46 | $7,561,000 | $164,000 | $617,000 | $25,000 | $154,000 |
| American Indian or Alaskan Native | 18 | $3,313,000 | $184,000 | $435,000 | $53,000 | $139,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 6,635 | $1,310,150,000 | $197,000 | $938,000 | $8,000 | $490,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,649 | $405,673,000 | $153,000 | $580,000 | $78,000 | $1,083,000 |
| VA-guaranteed (Veterans Administration) | 213 | $31,573,000 | $148,000 | $361,000 | $5,000 | $98,000 |
| 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 | 8,697 | $1,609,603,000 | $185,000 | $938,000 | $29,000 | $1,083,000 |
| Application Withdrawn By Applicant | 612 | $107,606,000 | $175,000 | $690,000 | $7,000 | $490,000 |
| Application Denied By Financial Institution | 187 | $30,032,000 | $160,000 | $397,000 | $3,000 | $30,000 |
| Application Approved But Not Accepted | 1 | $155,000 | $155,000 | $155,000 | $5,000 | $5,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 182 | $29,055,000 | $159,000 | $397,000 | $3,000 | $30,000 |
| Other | 5 | $977,000 | $195,000 | $285,000 | $4,000 | $10,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 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 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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