James F. Messinger & Co.,Inc. Mortgage Lending & HMDA Data, 2010
In 2010, James F. Messinger & Co.,Inc. of Alsip, IL reported 173 mortgage applications totaling $29.2 million, down 37% from 2009. The average application was for $168,820, and applicants reported an average income of $57,884. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (167), Gary, IN (4) and Kankakee-Bradley, IL (2) (applications in parentheses).
| Mortgage Company & Address | James F. Messinger & Co.,Inc. 5161-67 W. 111th Street Alsip, IL 60803 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 173 |
| Total Mortgage Loan Application Amount | $29,206,000 |
| Average Mortgage Loan Application Amount | $168,820 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $57,884 |
| Highest Applicant Income | $183,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records James F. Messinger & Co.,Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Joliet-Naperville, IL | 167 | $ 28,394,000 | $ 170,023 | $ 58,000 |
| Gary, IN | 4 | $ 625,000 | $ 156,250 | $ 82,000 |
| Kankakee-Bradley, IL | 2 | $ 187,000 | $ 93,500 | $ 39,000 |
Mortgage Loan Application Detail Totals for James F. Messinger & Co.,Inc. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 89 | $13,912,000 | $156,000 | $400,000 | $54,000 | $179,000 |
| Refinancing | 84 | $15,294,000 | $182,000 | $381,000 | $62,000 | $183,000 |
| 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 | 118 | $21,233,000 | $179,000 | $398,000 | $65,000 | $183,000 |
| Black or African American | 40 | $5,067,000 | $126,000 | $243,000 | $39,000 | $107,000 |
| Hispanic | 12 | $2,063,000 | $171,000 | $381,000 | $41,000 | $79,000 |
| Asian | 2 | $601,000 | $300,000 | $400,000 | $94,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $242,000 | $242,000 | $242,000 | $105,000 | $105,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 121 | $20,704,000 | $171,000 | $400,000 | $48,000 | $179,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 49 | $7,972,000 | $162,000 | $398,000 | $82,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 3 | $530,000 | $176,000 | $192,000 | $61,000 | $65,000 |
| 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 | 139 | $22,914,000 | $164,000 | $400,000 | $55,000 | $183,000 |
| Application Denied By Financial Institution | 17 | $3,813,000 | $224,000 | $391,000 | $66,000 | $160,000 |
| Application Withdrawn By Applicant | 14 | $1,947,000 | $139,000 | $237,000 | $59,000 | $117,000 |
| File Closed For Incompleteness | 3 | $532,000 | $177,000 | $341,000 | $123,000 | $179,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into James F. Messinger & Co.,Inc.'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 F. Messinger & Co.,Inc.'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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