James B. Nutter & Co. Mortgage Lending & HMDA Data, 2011
In 2011, James B. Nutter & Co. of Kansas City, MO reported 7,361 mortgage applications totaling $1.1 billion, up 25% from 2010. The average application was for $150,600, and applicants reported an average income of $18,255. 55% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Kansas City, MO-KS (2,043), Houston-Sugar Land-Baytown, TX (341) and Dallas-Plano-Irving, TX (319) (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 | 7,361 |
| Total Mortgage Loan Application Amount | $1,108,573,000 |
| Average Mortgage Loan Application Amount | $150,600 |
| Highest Mortgage Loan Application Amount | $786,000 |
| Average Applicant Income | $18,255 |
| Highest Applicant Income | $878,000 |
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(HMDA) records James B. Nutter & Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 6,899 | $1,045,171,000 | $151,000 | $786,000 | $17,000 | $878,000 |
| Home Purchase | 462 | $63,402,000 | $137,000 | $625,000 | $37,000 | $600,000 |
| 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 | 6,100 | $922,064,000 | $151,000 | $786,000 | $20,000 | $878,000 |
| Black or African American | 641 | $92,795,000 | $144,000 | $596,000 | $9,000 | $153,000 |
| Hispanic | 338 | $48,713,000 | $144,000 | $572,000 | $13,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 223 | $36,042,000 | $161,000 | $489,000 | $0 | $0 |
| Asian | 53 | $7,838,000 | $147,000 | $323,000 | $28,000 | $160,000 |
| American Indian or Alaskan Native | 6 | $1,121,000 | $186,000 | $265,000 | $13,000 | $83,000 |
| 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) | 3,770 | $494,692,000 | $131,000 | $681,000 | $6,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 2,066 | $394,597,000 | $190,000 | $786,000 | $0 | $118,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,525 | $219,284,000 | $143,000 | $625,000 | $70,000 | $878,000 |
| 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 | 4,027 | $608,699,000 | $151,000 | $729,000 | $24,000 | $878,000 |
| Application Denied By Financial Institution | 1,268 | $181,834,000 | $143,000 | $596,000 | $15,000 | $300,000 |
| File Closed For Incompleteness | 1,124 | $177,082,000 | $157,000 | $681,000 | $1,000 | $160,000 |
| Application Withdrawn By Applicant | 701 | $105,441,000 | $150,000 | $786,000 | $18,000 | $475,000 |
| Application Approved But Not Accepted | 241 | $35,517,000 | $147,000 | $464,000 | $0 | $99,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 781 | $112,642,000 | $144,000 | $596,000 | $6,000 | $300,000 |
| Credit History | 234 | $31,357,000 | $134,000 | $395,000 | $16,000 | $122,000 |
| Collateral | 137 | $20,391,000 | $148,000 | $566,000 | $52,000 | $222,000 |
| Debt-To-Income Ratio | 87 | $13,291,000 | $152,000 | $385,000 | $27,000 | $162,000 |
| Employment History | 11 | $1,619,000 | $147,000 | $264,000 | $25,000 | $77,000 |
| Credit Application Incomplete | 9 | $1,063,000 | $118,000 | $163,000 | $29,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $675,000 | $168,000 | $324,000 | $13,000 | $37,000 |
| Mortgage Insurance Denied | 4 | $705,000 | $176,000 | $258,000 | $33,000 | $132,000 |
| Unverifiable Information | 1 | $91,000 | $91,000 | $91,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into James B. Nutter & Co.'s 2011 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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