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records Mortgage Lenders of America, L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 204 | $ 21,170,000 | $ 103,774 | $ 53,000 |
| Nashville-Davidson--Murfreesboro, TN | 97 | $ 16,761,000 | $ 172,793 | $ 62,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 55 | $ 8,215,000 | $ 149,363 | $ 56,000 |
| Greenville, SC | 45 | $ 6,889,000 | $ 153,088 | $ 83,000 |
| Atlanta-Sandy Springs-Marietta, GA | 21 | $ 2,783,000 | $ 132,523 | $ 74,000 |
| Greensboro-High Point, NC | 16 | $ 2,037,000 | $ 127,312 | $ 57,000 |
| Charlotte-Gastonia-Concord, NC-SC | 11 | $ 1,642,000 | $ 149,272 | $ 45,000 |
| St. Louis, MO-IL | 9 | $ 820,000 | $ 91,111 | $ 45,000 |
| Raleigh-Cary, NC | 8 | $ 1,142,000 | $ 142,750 | $ 39,000 |
| Spartanburg, SC | 8 | $ 1,334,000 | $ 166,750 | $ 58,000 |
| Memphis, TN-MS-AR | 7 | $ 623,000 | $ 89,000 | $ 56,000 |
| Wichita, KS | 7 | $ 912,000 | $ 130,285 | $ 63,000 |
| Charleston-North Charleston, SC | 6 | $ 745,000 | $ 124,166 | $ 58,000 |
| Columbia, SC | 6 | $ 836,000 | $ 139,333 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 773,000 | $ 128,833 | $ 47,000 |
| Jacksonville, FL | 5 | $ 359,000 | $ 71,800 | $ 58,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 534,000 | $ 106,800 | $ 53,000 |
| Knoxville, TN | 4 | $ 441,000 | $ 110,250 | $ 53,000 |
| Anderson, SC | 3 | $ 400,000 | $ 133,333 | $ 58,000 |
| Clarksville, TN-KY | 3 | $ 355,000 | $ 118,333 | $ 30,000 |
| Durham, NC | 3 | $ 420,000 | $ 140,000 | $ 60,000 |
| Fayetteville, NC | 3 | $ 372,000 | $ 124,000 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 295,000 | $ 98,333 | $ 39,000 |
| Kokomo, IN | 3 | $ 176,000 | $ 58,666 | $ 55,000 |
| Lincoln, NE | 3 | $ 330,000 | $ 110,000 | $ 48,000 |
| Macon, GA | 3 | $ 180,000 | $ 60,000 | $ 86,000 |
| Richmond, VA | 3 | $ 633,000 | $ 211,000 | $ 72,000 |
| Springfield, MO | 3 | $ 277,000 | $ 92,333 | $ 39,000 |
| Warner Robins, GA | 3 | $ 331,000 | $ 110,333 | $ 55,000 |
| Elkhart-Goshen, IN | 2 | $ 187,000 | $ 93,500 | $ 41,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 259,000 | $ 129,500 | $ 34,000 |
| Gary, IN | 2 | $ 455,000 | $ 227,500 | $ 169,000 |
| Indianapolis, IN | 2 | $ 259,000 | $ 129,500 | $ 19,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 280,000 | $ 140,000 | $ 64,000 |
| Lakeland, FL | 2 | $ 130,000 | $ 65,000 | $ 34,000 |
| Lawrence, KS | 2 | $ 259,000 | $ 129,500 | $ 59,000 |
| Orlando, FL | 2 | $ 294,000 | $ 147,000 | $ 74,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 247,000 | $ 123,500 | $ 48,000 |
| Tallahassee, FL | 2 | $ 207,000 | $ 103,500 | $ 143,000 |
| Wilmington, NC | 2 | $ 239,000 | $ 119,500 | $ 47,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 192,000 | $ 192,000 | $ 79,000 |
| Burlington, NC | 1 | $ 29,000 | $ 29,000 | $ 58,000 |
| Chattanooga, TN-GA | 1 | $ 111,000 | $ 111,000 | $ 31,000 |
| Danville, VA | 1 | $ 116,000 | $ 116,000 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 237,000 | $ 237,000 | $ 71,000 |
| Denver-Aurora, CO | 1 | $ 173,000 | $ 173,000 | $ 46,000 |
| Florence, SC | 1 | $ 159,000 | $ 159,000 | $ 66,000 |
| Fort Wayne, IN | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Gainesville, FL | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Goldsboro, NC | 1 | $ 84,000 | $ 84,000 | $ 46,000 |
| Greeley, CO | 1 | $ 138,000 | $ 138,000 | $ 37,000 |
| Harrisonburg, VA | 1 | $ 129,000 | $ 129,000 | $ 69,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 108,000 | $ 108,000 | $ 62,000 |
| Jackson, TN | 1 | $ 81,000 | $ 81,000 | $ 50,000 |
| Jacksonville, NC | 1 | $ 220,000 | $ 220,000 | $ 100,000 |
| Jefferson City, MO | 1 | $ 183,000 | $ 183,000 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| Muncie, IN | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Panama City-Lynn Haven, FL | 1 | $ 119,000 | $ 119,000 | $ 63,000 |
| Savannah, GA | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| Topeka, KS | 1 | $ 92,000 | $ 92,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 61,000 | $ 61,000 | $ 20,000 |
| Winchester, VA-WV | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Winston-Salem, NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
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.
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