Northstar Bank, N.A. Mortgage Lending & HMDA Data, 2005
In 2005, Northstar Bank, N.A. of North Kansas City, MO reported 210 mortgage applications totaling $46.4 million, down 23% from 2004. The average application was for $220,871, and applicants reported an average income of $102,300. 18% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Kansas City, MO-KS (35), Edison, NJ (13) and New York-Wayne-White Plains, NY-NJ (11) (applications in parentheses).
| Mortgage Company & Address | Northstar Bank, N.A. 2005 N Burlington North Kansas City, MO 64116 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 210 |
| Total Mortgage Loan Application Amount | $46,383,000 |
| Average Mortgage Loan Application Amount | $220,871 |
| Highest Mortgage Loan Application Amount | $1,138,000 |
| Average Applicant Income | $102,300 |
| Highest Applicant Income | $740,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northstar Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 35 | $ 4,814,000 | $ 137,542 | $ 70,000 |
| Edison, NJ | 13 | $ 2,637,000 | $ 202,846 | $ 105,000 |
| New York-Wayne-White Plains, NY-NJ | 11 | $ 2,812,000 | $ 255,636 | $ 145,000 |
| Camden, NJ | 10 | $ 1,248,000 | $ 124,800 | $ 67,000 |
| Nassau-Suffolk, NY | 10 | $ 3,223,000 | $ 322,300 | $ 94,000 |
| Newark-Union, NJ-PA | 7 | $ 2,158,000 | $ 308,285 | $ 116,000 |
| Philadelphia, PA | 7 | $ 1,741,000 | $ 248,714 | $ 153,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,093,000 | $ 218,600 | $ 79,000 |
| Las Vegas-Paradise, NV | 4 | $ 2,181,000 | $ 545,250 | $ 413,000 |
| Rochester, NY | 4 | $ 415,000 | $ 103,750 | $ 67,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,616,000 | $ 404,000 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 625,000 | $ 156,250 | $ 56,000 |
| Jacksonville, FL | 3 | $ 609,000 | $ 203,000 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 981,000 | $ 327,000 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 576,000 | $ 192,000 | $ 123,000 |
| Pittsburgh, PA | 3 | $ 569,000 | $ 189,666 | $ 95,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 1,274,000 | $ 424,666 | $ 134,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 1,443,000 | $ 481,000 | $ 223,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,263,000 | $ 421,000 | $ 96,000 |
| York-Hanover, PA | 3 | $ 430,000 | $ 143,333 | $ 156,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 775,000 | $ 387,500 | $ 144,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 653,000 | $ 326,500 | $ 196,000 |
| Orlando, FL | 2 | $ 299,000 | $ 149,500 | $ 91,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 813,000 | $ 406,500 | $ 158,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 769,000 | $ 384,500 | $ 143,000 |
| St. Louis, MO-IL | 2 | $ 85,000 | $ 42,500 | $ 30,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 108,000 | $ 54,000 | $ 32,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 270,000 | $ 270,000 | $ 81,000 |
| Anniston-Oxford, AL | 1 | $ 80,000 | $ 80,000 | $ 22,000 |
| Atlantic City, NJ | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Birmingham-Hoover, AL | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 33,000 | $ 33,000 | $ 69,000 |
| Denver-Aurora, CO | 1 | $ 104,000 | $ 104,000 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 130,000 | $ 130,000 | $ 240,000 |
| Huntsville, AL | 1 | $ 72,000 | $ 72,000 | $ 130,000 |
| Joplin, MO | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Modesto, CA | 1 | $ 500,000 | $ 500,000 | $ 121,000 |
| Naples-Marco Island, FL | 1 | $ 402,000 | $ 402,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 109,000 | $ 109,000 | $ 35,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 409,000 | $ 409,000 | $ 175,000 |
| Prescott, AZ | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Punta Gorda, FL | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 109,000 | $ 109,000 | $ 195,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 86,000 | $ 86,000 | $ 43,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 149,000 | $ 149,000 | $ 119,000 |
| Syracuse, NY | 1 | $ 42,000 | $ 42,000 | $ 43,000 |
| Trenton-Ewing, NJ | 1 | $ 330,000 | $ 330,000 | $ 116,000 |
| Tuscaloosa, AL | 1 | $ 44,000 | $ 44,000 | $ 83,000 |
| Vallejo-Fairfield, CA | 1 | $ 355,000 | $ 355,000 | $ 114,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 184,000 | $ 184,000 | $ 57,000 |
| Visalia-Porterville, CA | 1 | $ 60,000 | $ 60,000 | $ 141,000 |
| Winchester, VA-WV | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Northstar Bank, N.A. in 2005
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 | 159 | $39,113,000 | $241,400 | $1,138,000 | $112,200 | $740,000 |
| Home Purchase | 40 | $4,976,000 | $118,375 | $710,000 | $100,250 | $288,000 |
| Home Improvement | 11 | $2,294,000 | $200,166 | $505,000 | $105,500 | $387,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 112 | $24,588,000 | $188,466 | $840,000 | $97,266 | $336,000 |
| White | 77 | $17,914,000 | $308,333 | $1,138,000 | $164,916 | $740,000 |
| Asian | 7 | $1,413,000 | $218,333 | $344,000 | $57,500 | $126,000 |
| Not applicable | 4 | $1,304,000 | $330,500 | $710,000 | $48,000 | $170,000 |
| American Indian or Alaskan Native | 3 | $493,000 | $210,500 | $350,000 | $97,500 | $156,000 |
| Black or African American | 3 | $139,000 | $46,000 | $68,000 | $42,000 | $54,000 |
| Hispanic | 3 | $304,000 | $101,333 | $124,000 | $85,666 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $228,000 | $228,000 | $228,000 | $43,000 | $43,000 |
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) | 210 | $46,383,000 | $213,312 | $1,138,000 | $119,875 | $740,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 104 | $24,812,000 | $241,923 | $1,098,000 | $94,846 | $394,000 |
| Application Denied By Financial Institution | 39 | $6,990,000 | $179,545 | $710,000 | $63,545 | $207,000 |
| Loan Originated | 37 | $7,770,000 | $275,000 | $1,138,000 | $198,272 | $740,000 |
| Application Withdrawn By Applicant | 29 | $6,539,000 | $194,555 | $840,000 | $108,000 | $387,000 |
| File Closed For Incompleteness | 1 | $272,000 | $272,000 | $272,000 | $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 | 19 | $2,638,000 | $138,200 | $355,000 | $66,900 | $207,000 |
| Credit History | 6 | $998,000 | $178,600 | $508,000 | $81,600 | $195,000 |
| Debt-To-Income Ratio | 5 | $1,421,000 | $263,000 | $638,000 | $48,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,000,000 | $200,000 | $710,000 | $57,000 | $108,000 |
| Other | 3 | $869,000 | $289,666 | $409,000 | $67,000 | $175,000 |
| Credit Application Incomplete | 1 | $64,000 | $64,000 | $64,000 | $46,000 | $46,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northstar Bank, N.A.'s 2005 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 Northstar Bank, N.A.'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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