Mortgage Lenders of America, L Mortgage Lending & HMDA Data, 2004

In 2004, Mortgage Lenders of America, L of Overland Park, KS reported 801 mortgage applications totaling $105.8 million, up 10% from 2003. The average application was for $132,101, and applicants reported an average income of $59,096. 91% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Kansas City, MO-KS (204), Nashville-Davidson--Murfreesboro, TN (97) and Virginia Beach-Norfolk-Newport News, VA-NC (55) (applications in parentheses).

Mortgage Company & Address Mortgage Lenders of America, L
8400 West 110th Suite 500
Overland Park, KS 66210
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 801
Total Mortgage Loan Application Amount $105,813,000
Average Mortgage Loan Application Amount $132,101
Highest Mortgage Loan Application Amount $600,000
Average Applicant Income $59,096
Highest Applicant Income $300,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mortgage Lenders of America, L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Mortgage Lenders of America, L by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jackson, Missouri 123 $ 11,710,000 $ 95,203 $ 51,000
Johnson, Kansas 66 $ 9,790,000 $ 148,333 $ 75,000
Clay, Missouri 52 $ 6,495,000 $ 124,903 $ 53,000
Greenville, South Carolina 42 $ 6,548,000 $ 155,904 $ 88,000
Davidson, Tennessee 40 $ 5,456,000 $ 136,400 $ 48,000
Williamson, Tennessee 39 $ 9,115,000 $ 233,717 $ 88,000
Virginia Beach, Virginia 26 $ 4,182,000 $ 160,846 $ 56,000
Wyandotte, Kansas 15 $ 1,633,000 $ 108,866 $ 48,000
Guilford, North Carolina 12 $ 1,740,000 $ 145,000 $ 66,000
Chesapeake, Virginia 12 $ 2,110,000 $ 175,833 $ 71,000
Cass, Missouri 11 $ 1,209,000 $ 109,909 $ 48,000
Platte, Missouri 9 $ 875,000 $ 97,222 $ 67,000
Mecklenburg, North Carolina 9 $ 1,316,000 $ 146,222 $ 30,000
Leavenworth, Kansas 8 $ 686,000 $ 85,750 $ 62,000
Spartanburg, South Carolina 8 $ 1,334,000 $ 166,750 $ 58,000
Rutherford, Tennessee 8 $ 826,000 $ 103,250 $ 49,000
Norfolk, Virginia 7 $ 699,000 $ 99,857 $ 44,000
Sedgwick, Kansas 6 $ 789,000 $ 131,500 $ 61,000
Wake, North Carolina 6 $ 939,000 $ 156,500 $ 53,000
Prince William, Virginia 6 $ 1,032,000 $ 172,000 $ 69,000
York, South Carolina 5 $ 500,000 $ 100,000 $ 54,000
Maury, Tennessee 5 $ 766,000 $ 153,200 $ 59,000
Shelby, Tennessee 5 $ 498,000 $ 99,600 $ 53,000
Hillsborough, Florida 4 $ 628,000 $ 157,000 $ 56,000
Cobb, Georgia 4 $ 397,000 $ 99,250 $ 86,000
Henry, Georgia 4 $ 551,000 $ 137,750 $ 59,000
McPherson, Kansas 4 $ 301,000 $ 75,250 $ 40,000
Miami, Kansas 4 $ 833,000 $ 208,250 $ 131,000
Reno, Kansas 4 $ 250,000 $ 62,500 $ 35,000
Clinton, Missouri 4 $ 422,000 $ 105,500 $ 66,000
Johnson, Missouri 4 $ 501,000 $ 125,250 $ 60,000
St. Louis, Missouri 4 $ 252,000 $ 63,000 $ 41,000
Richland, South Carolina 4 $ 504,000 $ 126,000 $ 44,000
Fairfax, Virginia 4 $ 1,292,000 $ 323,000 $ 110,000
Broward, Florida 3 $ 295,000 $ 98,333 $ 39,000
Bibb, Georgia 3 $ 180,000 $ 60,000 $ 86,000
Camden, Georgia 3 $ 393,000 $ 131,000 $ 41,000
Douglas, Georgia 3 $ 527,000 $ 175,666 $ 106,000
Houston, Georgia 3 $ 331,000 $ 110,333 $ 55,000
Ray, Missouri 3 $ 241,000 $ 80,333 $ 49,000
Douglas, Nebraska 3 $ 358,000 $ 119,333 $ 70,000
Lancaster, Nebraska 3 $ 330,000 $ 110,000 $ 48,000
Durham, North Carolina 3 $ 420,000 $ 140,000 $ 60,000
Harnett, North Carolina 3 $ 379,000 $ 126,333 $ 65,000
Anderson, South Carolina 3 $ 400,000 $ 133,333 $ 58,000
Charleston, South Carolina 3 $ 348,000 $ 116,000 $ 53,000
Dorchester, South Carolina 3 $ 397,000 $ 132,333 $ 61,000
Greenwood, South Carolina 3 $ 247,000 $ 82,333 $ 55,000
Pickens, South Carolina 3 $ 341,000 $ 113,666 $ 48,000
Dickson, Tennessee 3 $ 460,000 $ 153,333 $ 46,000
Knox, Tennessee 3 $ 343,000 $ 114,333 $ 63,000
Montgomery, Tennessee 3 $ 355,000 $ 118,333 $ 30,000
Suffolk, Virginia 3 $ 321,000 $ 107,000 $ 50,000
Baker, Florida 2 $ 141,000 $ 70,500 $ 52,000
Clay, Florida 2 $ 145,000 $ 72,500 $ 74,000
Lake, Florida 2 $ 294,000 $ 147,000 $ 74,000
Leon, Florida 2 $ 207,000 $ 103,500 $ 143,000
Okaloosa, Florida 2 $ 259,000 $ 129,500 $ 34,000
Polk, Florida 2 $ 130,000 $ 65,000 $ 34,000
Elbert, Georgia 2 $ 192,000 $ 96,000 $ 35,000
Gwinnett, Georgia 2 $ 141,000 $ 70,500 $ 55,000
Pike, Georgia 2 $ 130,000 $ 65,000 $ 63,000
Elkhart, Indiana 2 $ 187,000 $ 93,500 $ 41,000
Lake, Indiana 2 $ 455,000 $ 227,500 $ 169,000
Tipton, Indiana 2 $ 81,000 $ 40,500 $ 39,000
Douglas, Kansas 2 $ 259,000 $ 129,500 $ 59,000
Franklin, Kansas 2 $ 264,000 $ 132,000 $ 72,000
Linn, Kansas 2 $ 254,000 $ 127,000 $ 66,000
Benton, Missouri 2 $ 124,000 $ 62,000 $ 75,000
Christian, Missouri 2 $ 196,000 $ 98,000 $ 45,000
Daviess, Missouri 2 $ 324,000 $ 162,000 $ 80,000
Lafayette, Missouri 2 $ 218,000 $ 109,000 $ 69,000
St. Charles, Missouri 2 $ 285,000 $ 142,500 $ 70,000
Lincoln, Nebraska 2 $ 129,000 $ 64,500 $ 72,000
York, Nebraska 2 $ 206,000 $ 103,000 $ 58,000
Davidson, North Carolina 2 $ 259,000 $ 129,500 $ 56,000
Hoke, North Carolina 2 $ 223,000 $ 111,500 $ 56,000
Johnston, North Carolina 2 $ 203,000 $ 101,500 $ 18,000
Lincoln, North Carolina 2 $ 230,000 $ 115,000 $ 47,000
New Hanover, North Carolina 2 $ 239,000 $ 119,500 $ 47,000
Randolph, North Carolina 2 $ 121,000 $ 60,500 $ 53,000
Rockingham, North Carolina 2 $ 176,000 $ 88,000 $ 29,000
Beaufort, South Carolina 2 $ 138,000 $ 69,000 $ 52,000
Lexington, South Carolina 2 $ 332,000 $ 166,000 $ 76,000
Oconee, South Carolina 2 $ 767,000 $ 383,500 $ 124,000
Cheatham, Tennessee 2 $ 363,000 $ 181,500 $ 61,000
Sullivan, Tennessee 2 $ 280,000 $ 140,000 $ 64,000
Sumner, Tennessee 2 $ 211,000 $ 105,500 $ 73,000
Tipton, Tennessee 2 $ 125,000 $ 62,500 $ 64,000
Wilson, Tennessee 2 $ 218,000 $ 109,000 $ 67,000
Arlington, Virginia 2 $ 387,000 $ 193,500 $ 53,000
Hampton, Virginia 2 $ 262,000 $ 131,000 $ 37,000
Portsmouth, Virginia 2 $ 204,000 $ 102,000 $ 40,000
Spotsylvania, Virginia 2 $ 433,000 $ 216,500 $ 53,000
Arapahoe, Colorado 1 $ 173,000 $ 173,000 $ 46,000
Moffat, Colorado 1 $ 135,000 $ 135,000 $ 32,000
Montezuma, Colorado 1 $ 100,000 $ 100,000 $ 42,000
Weld, Colorado 1 $ 138,000 $ 138,000 $ 37,000
Alachua, Florida 1 $ 105,000 $ 105,000 $ 30,000
Bay, Florida 1 $ 119,000 $ 119,000 $ 63,000
Brevard, Florida 1 $ 80,000 $ 80,000 $ 42,000
Duval, Florida 1 $ 73,000 $ 73,000 $ 40,000
Escambia, Florida 1 $ 136,000 $ 136,000 $ 48,000
Flagler, Florida 1 $ 372,000 $ 372,000 $ 231,000
Miami-Dade, Florida 1 $ 235,000 $ 235,000 $ 76,000
Palm Beach, Florida 1 $ 61,000 $ 61,000 $ 20,000
Pasco, Florida 1 $ 89,000 $ 89,000 $ 25,000
Pinellas, Florida 1 $ 56,000 $ 56,000 $ 53,000
Santa Rosa, Florida 1 $ 111,000 $ 111,000 $ 48,000
Volusia, Florida 1 $ 237,000 $ 237,000 $ 71,000
Washington, Florida 1 $ 183,000 $ 183,000 $ 103,000
Chatham, Georgia 1 $ 180,000 $ 180,000 $ 63,000
Chattooga, Georgia 1 $ 75,000 $ 75,000 $ 36,000
Clayton, Georgia 1 $ 138,000 $ 138,000 $ 90,000
Columbia, Georgia 1 $ 192,000 $ 192,000 $ 79,000
Fulton, Georgia 1 $ 264,000 $ 264,000 $ 99,000
Haralson, Georgia 1 $ 88,000 $ 88,000 $ 49,000
Lamar, Georgia 1 $ 230,000 $ 230,000 $ 70,000
Liberty, Georgia 1 $ 88,000 $ 88,000 $ 54,000
Newton, Georgia 1 $ 133,000 $ 133,000 $ 55,000
Paulding, Georgia 1 $ 184,000 $ 184,000 $ 114,000
Troup, Georgia 1 $ 70,000 $ 70,000 $ 34,000
Ware, Georgia 1 $ 88,000 $ 88,000 $ 50,000
Allen, Indiana 1 $ 68,000 $ 68,000 $ 30,000
Clark, Indiana 1 $ 93,000 $ 93,000 $ 44,000
Delaware, Indiana 1 $ 215,000 $ 215,000 $ 85,000
Howard, Indiana 1 $ 95,000 $ 95,000 $ 71,000
Marion, Indiana 1 $ 126,000 $ 126,000 $ 38,000
Marshall, Indiana 1 $ 155,000 $ 155,000 $ 73,000
Montgomery, Indiana 1 $ 85,000 $ 85,000 $ 27,000
Morgan, Indiana 1 $ 133,000 $ 133,000 $ 0
St. Joseph, Indiana 1 $ 128,000 $ 128,000 $ 33,000
Butler, Kansas 1 $ 123,000 $ 123,000 $ 78,000
Finney, Kansas 1 $ 73,000 $ 73,000 $ 45,000
Shawnee, Kansas 1 $ 92,000 $ 92,000 $ 0
Stafford, Kansas 1 $ 98,000 $ 98,000 $ 47,000
Thomas, Kansas 1 $ 83,000 $ 83,000 $ 86,000
Cole, Missouri 1 $ 183,000 $ 183,000 $ 60,000
Cooper, Missouri 1 $ 70,000 $ 70,000 $ 20,000
Crawford, Missouri 1 $ 88,000 $ 88,000 $ 38,000
Franklin, Missouri 1 $ 61,000 $ 61,000 $ 35,000
Greene, Missouri 1 $ 81,000 $ 81,000 $ 28,000
Laclede, Missouri 1 $ 97,000 $ 97,000 $ 40,000
Phelps, Missouri 1 $ 99,000 $ 99,000 $ 49,000
St. Louis City, Missouri 1 $ 85,000 $ 85,000 $ 34,000
Stone, Missouri 1 $ 134,000 $ 134,000 $ 90,000
Warren, Missouri 1 $ 137,000 $ 137,000 $ 28,000
Adams, Nebraska 1 $ 40,000 $ 40,000 $ 39,000
Dawson, Nebraska 1 $ 149,000 $ 149,000 $ 95,000
Madison, Nebraska 1 $ 105,000 $ 105,000 $ 48,000
Platte, Nebraska 1 $ 78,000 $ 78,000 $ 53,000
Sarpy, Nebraska 1 $ 100,000 $ 100,000 $ 34,000
Stanton, Nebraska 1 $ 75,000 $ 75,000 $ 67,000
Washington, Nebraska 1 $ 76,000 $ 76,000 $ 22,000
Alamance, North Carolina 1 $ 29,000 $ 29,000 $ 58,000
Clay, North Carolina 1 $ 600,000 $ 600,000 $ 192,000
Craven, North Carolina 1 $ 119,000 $ 119,000 $ 44,000
Cumberland, North Carolina 1 $ 149,000 $ 149,000 $ 84,000
Currituck, North Carolina 1 $ 179,000 $ 179,000 $ 78,000
Forsyth, North Carolina 1 $ 105,000 $ 105,000 $ 0
Gaston, North Carolina 1 $ 166,000 $ 166,000 $ 89,000
Iredell, North Carolina 1 $ 143,000 $ 143,000 $ 48,000
Moore, North Carolina 1 $ 480,000 $ 480,000 $ 120,000
Onslow, North Carolina 1 $ 220,000 $ 220,000 $ 100,000
Pasquotank, North Carolina 1 $ 130,000 $ 130,000 $ 39,000
Rowan, North Carolina 1 $ 101,000 $ 101,000 $ 40,000
Union, North Carolina 1 $ 160,000 $ 160,000 $ 72,000
Wayne, North Carolina 1 $ 84,000 $ 84,000 $ 46,000
Abbeville, South Carolina 1 $ 135,000 $ 135,000 $ 28,000
Florence, South Carolina 1 $ 159,000 $ 159,000 $ 66,000
Horry, South Carolina 1 $ 63,000 $ 63,000 $ 31,000
Union, South Carolina 1 $ 57,000 $ 57,000 $ 37,000
Cumberland, Tennessee 1 $ 121,000 $ 121,000 $ 62,000
Hamilton, Tennessee 1 $ 111,000 $ 111,000 $ 31,000
Henry, Tennessee 1 $ 96,000 $ 96,000 $ 69,000
Hickman, Tennessee 1 $ 112,000 $ 112,000 $ 34,000
Lawrence, Tennessee 1 $ 69,000 $ 69,000 $ 29,000
Madison, Tennessee 1 $ 81,000 $ 81,000 $ 50,000
Union, Tennessee 1 $ 98,000 $ 98,000 $ 26,000
Harris, Texas 1 $ 108,000 $ 108,000 $ 62,000
Chesterfield, Virginia 1 $ 128,000 $ 128,000 $ 49,000
Frederick, Virginia 1 $ 163,000 $ 163,000 $ 60,000
Gloucester, Virginia 1 $ 104,000 $ 104,000 $ 68,000
Henrico, Virginia 1 $ 265,000 $ 265,000 $ 92,000
Isle of Wight, Virginia 1 $ 143,000 $ 143,000 $ 42,000
Loudoun, Virginia 1 $ 46,000 $ 46,000 $ 83,000
Manassas Park, Virginia 1 $ 319,000 $ 319,000 $ 153,000
Newport News, Virginia 1 $ 190,000 $ 190,000 $ 77,000
Pittsylvania, Virginia 1 $ 116,000 $ 116,000 $ 48,000
Powhatan, Virginia 1 $ 240,000 $ 240,000 $ 76,000
Rockingham, Virginia 1 $ 129,000 $ 129,000 $ 69,000
Stafford, Virginia 1 $ 100,000 $ 100,000 $ 102,000

Mortgage Loan Application Detail Totals for Mortgage Lenders of America, L in 2004

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 478 $60,069,000 $121,181 $587,000 $55,090 $231,000
Refinancing 323 $45,744,000 $142,333 $600,000 $62,500 $300,000
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 632 $83,695,000 $128,500 $599,000 $56,833 $300,000
Not Provided 64 $9,763,000 $157,222 $600,000 $76,111 $192,000
Black or African American 62 $6,808,000 $114,875 $388,000 $59,125 $146,000
Hispanic 19 $1,942,000 $89,000 $172,000 $48,000 $77,000
Asian 17 $2,757,000 $171,500 $334,000 $103,000 $210,000
American Indian or Alaskan Native 6 $627,000 $109,000 $230,000 $67,000 $96,000
Native Hawaiian or Other Pacific Islander 1 $221,000 $221,000 $221,000 $48,000 $48,000
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) 612 $80,693,000 $129,416 $600,000 $63,250 $300,000
VA-guaranteed (Veterans Administration) 100 $13,959,000 $132,636 $240,000 $48,545 $122,000
FHA-insured (Federal Housing Administration) 89 $11,161,000 $128,875 $258,000 $52,750 $239,000
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 729 $96,160,000 $127,833 $599,000 $59,750 $300,000
Loan Purchased By The Institution 28 $4,772,000 $149,714 $418,000 $2,000 $28,000
Application Withdrawn By Applicant 28 $2,746,000 $106,333 $364,000 $67,444 $169,000
Application Denied By Financial Institution 9 $785,000 $90,666 $142,000 $48,333 $87,000
Application Approved But Not Accepted 6 $1,185,000 $218,000 $600,000 $90,600 $192,000
File Closed For Incompleteness 1 $165,000 $165,000 $165,000 $74,000 $74,000
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 6 $491,000 $74,333 $128,000 $46,333 $87,000
Credit History 2 $178,000 $89,000 $142,000 $58,000 $58,000
Debt-To-Income Ratio 1 $116,000 $116,000 $116,000 $41,000 $41,000
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
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Lenders of America, L's 2004 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 Mortgage Lenders of America, L'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 Kansas, download the full spreadsheet with aggregated HMDA statistics today.

Download the Kansas Lender List