James B. Nutter & Co. Mortgage Lending & HMDA Data, 2010
In 2010, James B. Nutter & Co. of Kansas City, MO reported 5,912 mortgage applications totaling $840.1 million, down 38% from 2009. The average application was for $142,095, and applicants reported an average income of $32,036. 87% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Kansas City, MO-KS (2,093), Dallas-Plano-Irving, TX (276) and Houston-Sugar Land-Baytown, TX (231) (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 | 5,912 |
| Total Mortgage Loan Application Amount | $840,067,000 |
| Average Mortgage Loan Application Amount | $142,095 |
| Highest Mortgage Loan Application Amount | $614,000 |
| Average Applicant Income | $32,036 |
| Highest Applicant Income | $905,000 |
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(HMDA) records James B. Nutter & Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 4,452 | $634,285,000 | $142,000 | $614,000 | $35,000 | $719,000 |
| Home Purchase | 1,460 | $205,782,000 | $140,000 | $547,000 | $23,000 | $905,000 |
| 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 | 4,798 | $691,862,000 | $144,000 | $551,000 | $35,000 | $905,000 |
| Black or African American | 573 | $74,202,000 | $129,000 | $405,000 | $13,000 | $176,000 |
| Hispanic | 387 | $49,795,000 | $128,000 | $490,000 | $21,000 | $715,000 |
| Native Hawaiian or Other Pacific Islander | 87 | $13,436,000 | $154,000 | $475,000 | $3,000 | $149,000 |
| Asian | 52 | $8,725,000 | $167,000 | $614,000 | $33,000 | $168,000 |
| American Indian or Alaskan Native | 14 | $1,899,000 | $135,000 | $432,000 | $72,000 | $703,000 |
| Not Provided | 1 | $148,000 | $148,000 | $148,000 | $0 | $0 |
| 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) | 3,983 | $554,564,000 | $139,000 | $614,000 | $8,000 | $905,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,675 | $245,007,000 | $146,000 | $417,000 | $92,000 | $719,000 |
| VA-guaranteed (Veterans Administration) | 254 | $40,496,000 | $159,000 | $551,000 | $4,000 | $116,000 |
| 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 | 5,170 | $728,692,000 | $140,000 | $614,000 | $35,000 | $732,000 |
| Application Withdrawn By Applicant | 413 | $61,254,000 | $148,000 | $468,000 | $10,000 | $120,000 |
| Application Denied By Financial Institution | 327 | $49,670,000 | $151,000 | $490,000 | $14,000 | $905,000 |
| Application Approved But Not Accepted | 2 | $451,000 | $225,000 | $288,000 | $0 | $1,000 |
| 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 | 222 | $33,462,000 | $150,000 | $380,000 | $4,000 | $19,000 |
| Other | 104 | $16,055,000 | $154,000 | $490,000 | $36,000 | $905,000 |
| Credit History | 1 | $153,000 | $153,000 | $153,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2010 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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