Midwest Mortgage Capital, LLC Mortgage Lending & HMDA Data, 2013
In 2013, Midwest Mortgage Capital, LLC of Saint Louis, MO reported 1,288 mortgage applications totaling $220.7 million, down 4% from 2012. The average application was for $171,359, and applicants reported an average income of $91,800. 68% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (623), Chicago-Joliet-Naperville, IL (75) and Kansas City, MO-KS (60) (applications in parentheses).
| Mortgage Company & Address | Midwest Mortgage Capital, LLC 12400 Olive Blvd Saint Louis, MO 63141 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,288 |
| Total Mortgage Loan Application Amount | $220,711,000 |
| Average Mortgage Loan Application Amount | $171,359 |
| Highest Mortgage Loan Application Amount | $988,000 |
| Average Applicant Income | $91,800 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Midwest Mortgage Capital, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Louis, MO-IL | 623 | $ 98,658,000 | $ 158,359 | $ 89,252 |
| Chicago-Joliet-Naperville, IL | 75 | $ 15,939,000 | $ 212,520 | $ 109,000 |
| Kansas City, MO-KS | 60 | $ 10,693,000 | $ 178,216 | $ 84,333 |
| Houston-Sugar Land-Baytown, TX | 45 | $ 8,962,000 | $ 199,155 | $ 118,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 32 | $ 6,242,000 | $ 195,062 | $ 87,000 |
| Dallas-Plano-Irving, TX | 30 | $ 5,386,000 | $ 179,533 | $ 100,000 |
| Springfield, MO | 26 | $ 3,615,000 | $ 139,038 | $ 49,000 |
| Oklahoma City, OK | 18 | $ 2,908,000 | $ 161,555 | $ 86,000 |
| Austin-Round Rock-San Marcos, TX | 17 | $ 3,580,000 | $ 210,588 | $ 115,000 |
| Indianapolis-Carmel, IN | 16 | $ 1,984,000 | $ 124,000 | $ 60,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 3,185,000 | $ 212,333 | $ 137,000 |
| Tulsa, OK | 13 | $ 1,853,000 | $ 142,538 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 2,437,000 | $ 203,083 | $ 99,833 |
| Memphis, TN-MS-AR | 11 | $ 2,240,000 | $ 203,636 | $ 88,000 |
| Fort Worth-Arlington, TX | 10 | $ 1,820,000 | $ 182,000 | $ 86,000 |
| Omaha-Council Bluffs, NE-IA | 9 | $ 1,547,000 | $ 171,888 | $ 186,000 |
| Cape Girardeau-Jackson, MO-IL | 8 | $ 1,443,000 | $ 180,375 | $ 93,000 |
| Chattanooga, TN-GA | 8 | $ 976,000 | $ 122,000 | $ 90,000 |
| San Antonio-New Braunfels, TX | 8 | $ 1,489,000 | $ 186,125 | $ 106,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 1,526,000 | $ 218,000 | $ 80,000 |
| El Paso, TX | 6 | $ 1,098,000 | $ 183,000 | $ 86,000 |
| Boise City-Nampa, ID | 5 | $ 1,148,000 | $ 229,600 | $ 89,000 |
| Fort Wayne, IN | 5 | $ 341,000 | $ 68,200 | $ 67,000 |
| Gary, IN | 5 | $ 801,000 | $ 160,200 | $ 87,000 |
| Lincoln, NE | 5 | $ 748,000 | $ 149,600 | $ 64,000 |
| Oshkosh-Neenah, WI | 5 | $ 1,390,000 | $ 278,000 | $ 146,000 |
| Lafayette, IN | 4 | $ 444,000 | $ 111,000 | $ 89,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,607,000 | $ 401,750 | $ 131,000 |
| Lubbock, TX | 4 | $ 1,640,000 | $ 410,000 | $ 227,000 |
| Champaign-Urbana, IL | 3 | $ 453,000 | $ 151,000 | $ 84,000 |
| Idaho Falls, ID | 3 | $ 644,000 | $ 214,666 | $ 81,000 |
| Jefferson City, MO | 3 | $ 471,000 | $ 157,000 | $ 68,000 |
| Joplin, MO | 3 | $ 552,000 | $ 184,000 | $ 116,000 |
| Kankakee-Bradley, IL | 3 | $ 406,000 | $ 135,333 | $ 57,000 |
| Salt Lake City, UT | 3 | $ 596,000 | $ 198,666 | $ 84,000 |
| Springfield, IL | 3 | $ 669,000 | $ 223,000 | $ 112,000 |
| Appleton, WI | 2 | $ 352,000 | $ 176,000 | $ 124,000 |
| Coeur D'Alene, ID | 2 | $ 403,000 | $ 201,500 | $ 48,000 |
| Corpus Christi, TX | 2 | $ 379,000 | $ 189,500 | $ 60,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 346,000 | $ 173,000 | $ 110,000 |
| Madison, WI | 2 | $ 476,000 | $ 238,000 | $ 91,000 |
| Muncie, IN | 2 | $ 242,000 | $ 121,000 | $ 118,000 |
| Ogden-Clearfield, UT | 2 | $ 372,000 | $ 186,000 | $ 102,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 508,000 | $ 254,000 | $ 93,000 |
| Rockford, IL | 2 | $ 269,000 | $ 134,500 | $ 46,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,090,000 | $ 545,000 | $ 156,000 |
| Topeka, KS | 2 | $ 215,000 | $ 107,500 | $ 47,000 |
| Wichita, KS | 2 | $ 309,000 | $ 154,500 | $ 135,000 |
| Baton Rouge, LA | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Bloomington-Normal, IL | 1 | $ 136,000 | $ 136,000 | $ 65,000 |
| Clarksville, TN-KY | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| College Station-Bryan, TX | 1 | $ 103,000 | $ 103,000 | $ 97,000 |
| Columbia, MO | 1 | $ 168,000 | $ 168,000 | $ 105,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Des Moines-West Des Moines, IA | 1 | $ 178,000 | $ 178,000 | $ 135,000 |
| Elkhart-Goshen, IN | 1 | $ 171,000 | $ 171,000 | $ 84,000 |
| Evansville, IN-KY | 1 | $ 243,000 | $ 243,000 | $ 159,000 |
| Fond Du Lac, WI | 1 | $ 320,000 | $ 320,000 | $ 147,000 |
| Fresno, CA | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Green Bay, WI | 1 | $ 415,000 | $ 415,000 | $ 574,000 |
| Johnson City, TN | 1 | $ 142,000 | $ 142,000 | $ 45,000 |
| Knoxville, TN | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Lawrence, KS | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Lewiston, ID-WA | 1 | $ 201,000 | $ 201,000 | $ 76,000 |
| Longview, TX | 1 | $ 194,000 | $ 194,000 | $ 85,000 |
| Mankato-North Mankato, MN | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 117,000 | $ 117,000 | $ 47,000 |
| Midland, TX | 1 | $ 168,000 | $ 168,000 | $ 135,000 |
| Morristown, TN | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Napa, CA | 1 | $ 756,000 | $ 756,000 | $ 238,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 218,000 | $ 218,000 | $ 116,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Peoria, IL | 1 | $ 269,000 | $ 269,000 | $ 105,000 |
| Pocatello, ID | 1 | $ 133,000 | $ 133,000 | $ 42,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 229,000 | $ 229,000 | $ 120,000 |
| Rochester, MN | 1 | $ 171,000 | $ 171,000 | $ 52,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 406,000 | $ 406,000 | $ 137,000 |
| Sebastian-Vero Beach, FL | 1 | $ 190,000 | $ 190,000 | $ 182,000 |
| Spokane, WA | 1 | $ 159,000 | $ 159,000 | $ 49,000 |
| St. Cloud, MN | 1 | $ 189,000 | $ 189,000 | $ 84,000 |
| St. Joseph, MO-KS | 1 | $ 124,000 | $ 124,000 | $ 163,000 |
| Stockton, CA | 1 | $ 335,000 | $ 335,000 | $ 141,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 230,000 | $ 230,000 | $ 173,000 |
| Vallejo-Fairfield, CA | 1 | $ 321,000 | $ 321,000 | $ 47,000 |
| Waco, TX | 1 | $ 179,000 | $ 179,000 | $ 67,000 |
| Wausau, WI | 1 | $ 64,000 | $ 64,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Midwest Mortgage Capital, LLC in 2013
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 | 940 | $165,031,000 | $175,000 | $988,000 | $94,000 | $1,000,000 |
| Home Purchase | 347 | $55,555,000 | $160,000 | $596,000 | $86,000 | $1,000,000 |
| Home Improvement | 1 | $125,000 | $125,000 | $125,000 | $37,000 | $37,000 |
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 | 1,128 | $191,283,000 | $169,000 | $988,000 | $92,000 | $1,000,000 |
| Asian | 54 | $12,398,000 | $229,000 | $700,000 | $106,000 | $429,000 |
| Black or African American | 44 | $6,200,000 | $140,000 | $301,000 | $96,000 | $1,000,000 |
| Not Provided | 30 | $5,992,000 | $199,000 | $484,000 | $106,000 | $218,000 |
| Hispanic | 29 | $4,434,000 | $152,000 | $266,000 | $69,000 | $182,000 |
| American Indian or Alaskan Native | 2 | $235,000 | $117,000 | $135,000 | $27,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $169,000 | $169,000 | $169,000 | $58,000 | $58,000 |
| 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) | 866 | $154,248,000 | $178,000 | $988,000 | $100,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 336 | $52,884,000 | $157,000 | $344,000 | $76,000 | $1,000,000 |
| VA-guaranteed (Veterans Administration) | 71 | $11,947,000 | $168,000 | $359,000 | $82,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,632,000 | $108,000 | $207,000 | $38,000 | $60,000 |
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 | 881 | $149,646,000 | $169,000 | $988,000 | $93,000 | $1,000,000 |
| Application Withdrawn By Applicant | 332 | $57,763,000 | $173,000 | $768,000 | $89,000 | $1,000,000 |
| Application Denied By Financial Institution | 66 | $11,916,000 | $180,000 | $800,000 | $94,000 | $1,000,000 |
| Application Approved But Not Accepted | 8 | $1,194,000 | $149,000 | $211,000 | $62,000 | $89,000 |
| File Closed For Incompleteness | 1 | $192,000 | $192,000 | $192,000 | $213,000 | $213,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 28 | $4,524,000 | $161,000 | $397,000 | $90,000 | $245,000 |
| Debt-To-Income Ratio | 21 | $4,203,000 | $200,000 | $800,000 | $108,000 | $1,000,000 |
| Other | 6 | $1,602,000 | $267,000 | $756,000 | $99,000 | $238,000 |
| Credit History | 6 | $986,000 | $164,000 | $238,000 | $72,000 | $164,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $439,000 | $109,000 | $163,000 | $88,000 | $155,000 |
| Employment History | 1 | $162,000 | $162,000 | $162,000 | $29,000 | $29,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midwest Mortgage Capital, LLC's 2013 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 Midwest Mortgage Capital, LLC'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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