Mid-Missouri Mortgage Company Mortgage Lending & HMDA Data, 2003
In 2003, Mid-Missouri Mortgage Company of Springfield, MO reported 2,470 mortgage applications totaling $241.2 million. The average application was for $97,638, and applicants reported an average income of $54,793. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Springfield, MO (1,122), Joplin, MO (281) and Kansas City, MO-KS (12) (applications in parentheses).
| Mortgage Company & Address | Mid-Missouri Mortgage Company 1619 E. Independence, Po Box 14740 Springfield, MO 65804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,470 |
| Total Mortgage Loan Application Amount | $241,166,000 |
| Average Mortgage Loan Application Amount | $97,638 |
| Highest Mortgage Loan Application Amount | $546,000 |
| Average Applicant Income | $54,793 |
| Highest Applicant Income | $610,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Missouri Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Mid-Missouri Mortgage Company in 2003
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 (home purchase or home improvement, one-to-four family) | 1,928 | $191,334,000 | $120,666 | $546,000 | $65,000 | $610,000 |
| Home Purchase (one-to-four family) | 540 | $49,719,000 | $81,666 | $323,000 | $46,666 | $360,000 |
| Home Improvement (one-to-four family) | 2 | $113,000 | $56,000 | $68,000 | $32,000 | $33,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 2,408 | $234,943,000 | $95,000 | $546,000 | $54,333 | $610,000 |
| Black | 16 | $1,409,000 | $88,000 | $119,000 | $49,000 | $77,000 |
| Hispanic | 15 | $1,448,000 | $96,000 | $161,000 | $50,000 | $109,000 |
| American Indian or Alaskan Native | 13 | $1,146,000 | $88,000 | $137,000 | $61,000 | $148,000 |
| Asian or Pacific Islander | 13 | $1,450,000 | $111,000 | $213,000 | $66,000 | $120,000 |
| Other | 5 | $770,000 | $154,000 | $185,000 | $157,000 | $250,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,228 | $219,909,000 | $95,666 | $546,000 | $57,666 | $610,000 |
| FHA-insured (Federal Housing Administration) | 190 | $15,549,000 | $74,000 | $165,000 | $30,500 | $134,000 |
| VA-guaranteed (Veterans Administration) | 52 | $5,708,000 | $84,000 | $202,000 | $32,000 | $113,000 |
| 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 | 1,936 | $188,581,000 | $87,500 | $546,000 | $49,500 | $610,000 |
| Application Withdrawn By Applicant | 341 | $33,057,000 | $91,333 | $383,000 | $60,000 | $577,000 |
| Application Denied By Financial Institution | 89 | $7,958,000 | $63,000 | $304,000 | $34,000 | $184,000 |
| File Closed For Incompleteness | 55 | $6,670,000 | $114,000 | $450,000 | $54,500 | $350,000 |
| Application Approved But Not Accepted | 49 | $4,900,000 | $100,000 | $283,000 | $57,000 | $165,000 |
| Loan Purchased By The 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 | 6 | $774,000 | $129,000 | $277,000 | $113,000 | $184,000 |
| Credit History | 2 | $315,000 | $157,000 | $209,000 | $73,000 | $89,000 |
| Employment History | 2 | $198,000 | $99,000 | $107,000 | $48,000 | $52,000 |
| Debt-To-Income Ratio | 1 | $52,000 | $52,000 | $52,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 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 Mid-Missouri Mortgage Company's 2003 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 Mid-Missouri Mortgage Company'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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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