Novastar Home Mortgage, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Novastar Home Mortgage, Inc. of Kansas City, MO reported 11,290 mortgage applications totaling $1.8 billion, down 67% from 2005. The average application was for $160,378, and applicants reported an average income of $6,330. 6% of its applications resulted in an originated loan and 83% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (881), Buffalo-Niagara Falls, NY (465) and Washington-Arlington-Alexandria, DC-VA-MD-WV (240) (applications in parentheses).
| Mortgage Company & Address | Novastar Home Mortgage, Inc. 8140 Ward Parkway Kansas City, MO 64114 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,290 |
| Total Mortgage Loan Application Amount | $1,810,675,000 |
| Average Mortgage Loan Application Amount | $160,378 |
| Highest Mortgage Loan Application Amount | $3,201,000 |
| Average Applicant Income | $6,330 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Novastar Home Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 881 | $ 136,326,000 | $ 154,740 | $ 4,000 |
| Buffalo-Niagara Falls, NY | 465 | $ 43,978,000 | $ 94,576 | $ 1,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 240 | $ 60,876,000 | $ 253,650 | $ 31,412 |
| New York-White Plains-Wayne, NY-NJ | 236 | $ 69,336,000 | $ 293,796 | $ 18,000 |
| Detroit-Livonia-Dearborn, MI | 222 | $ 25,989,000 | $ 117,067 | $ 3,000 |
| Birmingham-Hoover, AL | 179 | $ 21,119,000 | $ 117,983 | $ 4,000 |
| Edison, NJ | 177 | $ 44,708,000 | $ 252,587 | $ 17,000 |
| Tampa-St. Petersburg-Clearwater, FL | 168 | $ 27,563,000 | $ 164,065 | $ 10,000 |
| Newark-Union, NJ-PA | 167 | $ 37,919,000 | $ 227,059 | $ 13,413 |
| Camden, NJ | 157 | $ 24,802,000 | $ 157,974 | $ 12,000 |
| St. Louis, MO-IL | 156 | $ 21,580,000 | $ 138,333 | $ 4,743 |
| Baltimore-Towson, MD | 149 | $ 27,551,000 | $ 184,906 | $ 8,000 |
| Warren-Troy-Farmington Hills, MI | 134 | $ 25,534,000 | $ 190,552 | $ 2,000 |
| Orlando-Kissimmee, FL | 125 | $ 27,645,000 | $ 221,160 | $ 18,000 |
| Nassau-Suffolk, NY | 117 | $ 35,326,000 | $ 301,931 | $ 22,000 |
| New Orleans-Metairie-Kenner, LA | 117 | $ 15,823,000 | $ 135,239 | $ 5,000 |
| Baton Rouge, LA | 107 | $ 12,984,000 | $ 121,345 | $ 13,000 |
| Phoenix-Mesa-Scottsdale, AZ | 101 | $ 19,809,000 | $ 196,128 | $ 10,000 |
| Miami-Miami Beach-Kendall, FL | 93 | $ 19,836,000 | $ 213,290 | $ 8,000 |
| Jacksonville, FL | 88 | $ 13,484,000 | $ 153,227 | $ 6,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 87 | $ 20,552,000 | $ 236,229 | $ 29,000 |
| Augusta-Richmond County, GA-SC | 86 | $ 9,210,000 | $ 107,093 | $ 4,000 |
| Chicago-Naperville-Joliet, IL | 81 | $ 16,269,000 | $ 200,851 | $ 7,000 |
| Nashville-Davidson--Murfreesboro, TN | 81 | $ 11,946,000 | $ 147,481 | $ 3,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 79 | $ 16,657,000 | $ 210,848 | $ 10,000 |
| Kansas City, MO-KS | 79 | $ 10,110,000 | $ 127,974 | $ 949 |
| Columbus, GA-AL | 77 | $ 8,788,000 | $ 114,129 | $ 3,376 |
| Rochester, NY | 76 | $ 6,732,000 | $ 88,578 | $ 1,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 72 | $ 11,991,000 | $ 166,541 | $ 8,069 |
| Macon, GA | 71 | $ 8,203,000 | $ 115,535 | $ 4,000 |
| Oklahoma City, OK | 71 | $ 9,262,000 | $ 130,450 | $ 4,000 |
| Savannah, GA | 67 | $ 8,810,000 | $ 131,492 | $ 8,000 |
| Los Angeles-Long Beach-Glendale, CA | 65 | $ 23,970,000 | $ 368,769 | $ 11,000 |
| Mobile, AL | 65 | $ 7,643,000 | $ 117,584 | $ 6,000 |
| Chattanooga, TN-GA | 64 | $ 7,447,000 | $ 116,359 | $ 6,734 |
| Montgomery, AL | 64 | $ 6,579,000 | $ 102,796 | $ 4,000 |
| Philadelphia, PA | 64 | $ 10,152,000 | $ 158,625 | $ 4,000 |
| Memphis, TN-MS-AR | 63 | $ 8,219,000 | $ 130,460 | $ 3,619 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 59 | $ 12,122,000 | $ 205,457 | $ 949 |
| Indianapolis-Carmel, IN | 58 | $ 7,405,000 | $ 127,672 | $ 2,000 |
| Charlotte-Gastonia-Concord, NC-SC | 56 | $ 9,802,000 | $ 175,035 | $ 1,000 |
| Huntsville, AL | 55 | $ 6,669,000 | $ 121,254 | $ 4,000 |
| Seattle-Bellevue-Everett, WA | 55 | $ 14,380,000 | $ 261,454 | $ 9,000 |
| Tulsa, OK | 53 | $ 6,704,000 | $ 126,490 | $ 10,000 |
| Portland-South Portland-Biddeford, ME | 51 | $ 9,951,000 | $ 195,117 | $ 0 |
| Wilmington, DE-MD-NJ | 49 | $ 8,329,000 | $ 169,979 | $ 6,693 |
| Deltona-Daytona Beach-Ormond Beach, FL | 47 | $ 9,764,000 | $ 207,744 | $ 13,000 |
| Lakeland, FL | 47 | $ 7,651,000 | $ 162,787 | $ 9,000 |
| Atlantic City, NJ | 46 | $ 8,000,000 | $ 173,913 | $ 15,000 |
| Bethesda-Gaithersburg-Frederick, MD | 46 | $ 13,032,000 | $ 283,304 | $ 18,000 |
| Richmond, VA | 46 | $ 7,275,000 | $ 158,152 | $ 13,000 |
| Ocala, FL | 45 | $ 6,210,000 | $ 138,000 | $ 5,000 |
| Syracuse, NY | 45 | $ 3,942,000 | $ 87,600 | $ 2,000 |
| Albany-Schenectady-Troy, NY | 44 | $ 4,635,000 | $ 105,340 | $ 3,000 |
| Cape Coral-Fort Myers, FL | 44 | $ 9,143,000 | $ 207,795 | $ 12,000 |
| Flint, MI | 43 | $ 4,854,000 | $ 112,883 | $ 0 |
| Little Rock-North Little Rock, AR | 42 | $ 10,187,000 | $ 242,547 | $ 8,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 40 | $ 6,031,000 | $ 150,775 | $ 3,900 |
| Grand Rapids-Wyoming, MI | 40 | $ 5,465,000 | $ 136,625 | $ 0 |
| Tacoma, WA | 39 | $ 8,415,000 | $ 215,769 | $ 1,000 |
| Tuscaloosa, AL | 39 | $ 4,436,000 | $ 113,743 | $ 1,000 |
| Albuquerque, NM | 37 | $ 6,186,000 | $ 167,189 | $ 4,000 |
| Anchorage, AK | 34 | $ 7,560,000 | $ 222,352 | $ 0 |
| Dalton, GA | 34 | $ 3,881,000 | $ 114,147 | $ 4,000 |
| Raleigh-Cary, NC | 34 | $ 5,587,000 | $ 164,323 | $ 17,000 |
| Denver-Aurora, CO | 33 | $ 7,144,000 | $ 216,484 | $ 10,000 |
| Gainesville, GA | 33 | $ 4,146,000 | $ 125,636 | $ 2,000 |
| Riverside-San Bernardino-Ontario, CA | 33 | $ 9,641,000 | $ 292,151 | $ 7,000 |
| Gary, IN | 32 | $ 4,324,000 | $ 135,125 | $ 1,000 |
| Kalamazoo-Portage, MI | 32 | $ 4,064,000 | $ 127,000 | $ 0 |
| Decatur, AL | 31 | $ 3,242,000 | $ 104,580 | $ 1,000 |
| Milwaukee-Waukesha-West Allis, WI | 31 | $ 6,161,000 | $ 198,741 | $ 6,000 |
| Hartford-West Hartford-East Hartford, CT | 30 | $ 6,404,000 | $ 213,466 | $ 11,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 30 | $ 6,206,000 | $ 206,866 | $ 9,000 |
| Tucson, AZ | 30 | $ 5,135,000 | $ 171,166 | $ 1,000 |
| Utica-Rome, NY | 30 | $ 2,622,000 | $ 87,400 | $ 1,000 |
| Athens-Clarke County, GA | 29 | $ 3,747,000 | $ 129,206 | $ 0 |
| Albany, GA | 28 | $ 2,653,000 | $ 94,750 | $ 2,000 |
| Portland-Vancouver-Beaverton, OR-WA | 28 | $ 5,178,000 | $ 184,928 | $ 6,964 |
| Rockingham County-Strafford County, NH | 28 | $ 6,568,000 | $ 234,571 | $ 11,000 |
| Shreveport-Bossier City, LA | 28 | $ 2,880,000 | $ 102,857 | $ 0 |
| Springfield, MA | 28 | $ 4,174,000 | $ 149,071 | $ 6,000 |
| Warner Robins, GA | 28 | $ 3,296,000 | $ 117,714 | $ 0 |
| Wilmington, NC | 28 | $ 5,833,000 | $ 208,321 | $ 50,000 |
| Trenton-Ewing, NJ | 27 | $ 4,202,000 | $ 155,629 | $ 12,000 |
| Des Moines-West Des Moines, IA | 26 | $ 3,161,000 | $ 121,576 | $ 6,000 |
| Knoxville, TN | 26 | $ 3,733,000 | $ 143,576 | $ 4,000 |
| New Haven-Milford, CT | 26 | $ 4,564,000 | $ 175,538 | $ 8,000 |
| Palm Bay-Melbourne-Titusville, FL | 26 | $ 4,454,000 | $ 171,307 | $ 9,000 |
| Saginaw-Saginaw Township North, MI | 26 | $ 2,705,000 | $ 104,038 | $ 0 |
| Lansing-East Lansing, MI | 25 | $ 3,250,000 | $ 130,000 | $ 3,000 |
| Port St. Lucie-Fort Pierce, FL | 25 | $ 4,040,000 | $ 161,600 | $ 3,000 |
| Sarasota-Bradenton-Venice, FL | 25 | $ 3,869,000 | $ 154,760 | $ 5,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 24 | $ 5,492,000 | $ 228,833 | $ 23,500 |
| Asheville, NC | 24 | $ 4,105,000 | $ 171,041 | $ 5,000 |
| Boston-Quincy, MA | 24 | $ 5,952,000 | $ 248,000 | $ 4,000 |
| Springfield, MO | 24 | $ 2,470,000 | $ 102,916 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 23 | $ 5,369,000 | $ 233,434 | $ 16,000 |
| Durham, NC | 23 | $ 4,008,000 | $ 174,260 | $ 5,000 |
| Lafayette, LA | 23 | $ 3,144,000 | $ 136,695 | $ 15,000 |
| Pensacola-Ferry Pass-Brent, FL | 22 | $ 2,606,000 | $ 118,454 | $ 6,000 |
| Vineland-Millville-Bridgeton, NJ | 22 | $ 2,803,000 | $ 127,409 | $ 9,000 |
| Santa Ana-Anaheim-Irvine, CA | 21 | $ 9,203,000 | $ 438,238 | $ 6,000 |
| Anniston-Oxford, AL | 20 | $ 2,387,000 | $ 119,350 | $ 0 |
| Jackson, MI | 20 | $ 2,611,000 | $ 130,550 | $ 5,000 |
| Manchester-Nashua, NH | 20 | $ 3,035,000 | $ 151,750 | $ 5,000 |
| Oakland-Fremont-Hayward, CA | 20 | $ 7,130,000 | $ 356,500 | $ 11,000 |
| Pittsburgh, PA | 20 | $ 3,970,000 | $ 198,500 | $ 5,000 |
| Ocean City, NJ | 19 | $ 4,418,000 | $ 232,526 | $ 10,000 |
| Florence-Muscle Shoals, AL | 18 | $ 1,790,000 | $ 99,444 | $ 0 |
| Battle Creek, MI | 17 | $ 1,581,000 | $ 93,000 | $ 6,000 |
| Dothan, AL | 17 | $ 1,326,000 | $ 78,000 | $ 7,000 |
| Hinesville-Fort Stewart, GA | 17 | $ 1,844,000 | $ 108,470 | $ 0 |
| Punta Gorda, FL | 17 | $ 3,087,000 | $ 181,588 | $ 14,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 17 | $ 4,821,000 | $ 283,588 | $ 24,000 |
| Ann Arbor, MI | 16 | $ 2,479,000 | $ 154,937 | $ 0 |
| Auburn-Opelika, AL | 16 | $ 1,846,000 | $ 115,375 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 16 | $ 3,097,000 | $ 193,562 | $ 0 |
| Gadsden, AL | 16 | $ 1,534,000 | $ 95,875 | $ 1,000 |
| Greensboro-High Point, NC | 16 | $ 3,112,000 | $ 194,500 | $ 0 |
| Niles-Benton Harbor, MI | 16 | $ 1,778,000 | $ 111,125 | $ 0 |
| Bangor, ME | 15 | $ 1,846,000 | $ 123,066 | $ 0 |
| Colorado Springs, CO | 15 | $ 2,806,000 | $ 187,066 | $ 8,000 |
| Fresno, CA | 15 | $ 3,446,000 | $ 229,733 | $ 3,000 |
| Houma-Bayou Cane-Thibodaux, LA | 15 | $ 1,586,000 | $ 105,733 | $ 12,000 |
| Joplin, MO | 15 | $ 1,734,000 | $ 115,600 | $ 4,000 |
| Kingsport-Bristol-Bristol, TN-VA | 15 | $ 1,733,000 | $ 115,533 | $ 2,933 |
| Naples-Marco Island, FL | 15 | $ 4,820,000 | $ 321,333 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 15 | $ 3,472,000 | $ 231,466 | $ 0 |
| Spokane, WA | 15 | $ 1,955,000 | $ 130,333 | $ 1,000 |
| Valdosta, GA | 15 | $ 1,896,000 | $ 126,400 | $ 0 |
| Binghamton, NY | 14 | $ 1,168,000 | $ 83,428 | $ 2,000 |
| Brunswick, GA | 14 | $ 1,656,000 | $ 118,285 | $ 5,000 |
| Gainesville, FL | 14 | $ 1,632,000 | $ 116,571 | $ 4,000 |
| Hagerstown-Martinsburg, MD-WV | 14 | $ 2,586,000 | $ 184,714 | $ 0 |
| Rome, GA | 14 | $ 1,350,000 | $ 96,428 | $ 5,000 |
| Tallahassee, FL | 14 | $ 2,388,000 | $ 170,571 | $ 14,000 |
| Boise City-Nampa, ID | 13 | $ 2,421,000 | $ 186,230 | $ 0 |
| Fort Smith, AR-OK | 13 | $ 1,130,000 | $ 86,923 | $ 7,615 |
| Holland-Grand Haven, MI | 13 | $ 1,463,000 | $ 112,538 | $ 0 |
| Lewiston-Auburn, ME | 13 | $ 2,360,000 | $ 181,538 | $ 0 |
| South Bend-Mishawaka, IN-MI | 13 | $ 1,364,000 | $ 104,923 | $ 0 |
| Cambridge-Newton-Framingham, MA | 12 | $ 2,349,000 | $ 195,750 | $ 0 |
| Lynchburg, VA | 12 | $ 1,238,000 | $ 103,166 | $ 14,000 |
| Monroe, MI | 12 | $ 1,713,000 | $ 142,750 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 1,722,000 | $ 143,500 | $ 24,500 |
| Panama City-Lynn Haven, FL | 12 | $ 1,697,000 | $ 141,416 | $ 7,000 |
| Salt Lake City, UT | 12 | $ 2,330,000 | $ 194,166 | $ 13,000 |
| Sioux City, IA-NE-SD | 12 | $ 1,282,000 | $ 106,833 | $ 7,000 |
| Alexandria, LA | 11 | $ 1,212,000 | $ 110,181 | $ 8,000 |
| Cedar Rapids, IA | 11 | $ 1,241,000 | $ 112,818 | $ 0 |
| Dover, DE | 11 | $ 2,016,000 | $ 183,272 | $ 0 |
| Fairbanks, AK | 11 | $ 2,400,000 | $ 218,181 | $ 0 |
| Fayetteville, NC | 11 | $ 1,110,000 | $ 100,909 | $ 3,000 |
| Goldsboro, NC | 11 | $ 1,544,000 | $ 140,363 | $ 0 |
| Jackson, TN | 11 | $ 1,357,000 | $ 123,363 | $ 5,000 |
| Kingston, NY | 11 | $ 1,768,000 | $ 160,727 | $ 0 |
| Muskegon-Norton Shores, MI | 11 | $ 1,192,000 | $ 108,363 | $ 0 |
| Salisbury, MD | 11 | $ 1,502,000 | $ 136,545 | $ 17,000 |
| Worcester, MA | 11 | $ 2,788,000 | $ 253,454 | $ 0 |
| Essex County, MA | 10 | $ 2,468,000 | $ 246,800 | $ 0 |
| Glens Falls, NY | 10 | $ 931,000 | $ 93,100 | $ 0 |
| Las Cruces, NM | 10 | $ 1,431,000 | $ 143,100 | $ 4,000 |
| Olympia, WA | 10 | $ 2,094,000 | $ 209,400 | $ 0 |
| Scranton--Wilkes-Barre, PA | 10 | $ 1,010,000 | $ 101,000 | $ 4,000 |
| Bakersfield, CA | 9 | $ 1,696,000 | $ 188,444 | $ 6,000 |
| Bay City, MI | 9 | $ 903,000 | $ 100,333 | $ 8,000 |
| Bremerton-Silverdale, WA | 9 | $ 1,794,000 | $ 199,333 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 9 | $ 2,405,000 | $ 267,222 | $ 6,000 |
| Clarksville, TN-KY | 9 | $ 936,000 | $ 104,000 | $ 7,000 |
| Dubuque, IA | 9 | $ 1,149,000 | $ 127,666 | $ 6,000 |
| Elkhart-Goshen, IN | 9 | $ 996,000 | $ 110,666 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 9 | $ 1,269,000 | $ 141,000 | $ 0 |
| Harrisburg-Carlisle, PA | 9 | $ 1,200,000 | $ 133,333 | $ 6,000 |
| Johnson City, TN | 9 | $ 1,035,000 | $ 115,000 | $ 0 |
| Lake Charles, LA | 9 | $ 1,017,000 | $ 113,000 | $ 3,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 2,065,000 | $ 229,444 | $ 12,666 |
| Lawton, OK | 9 | $ 645,000 | $ 71,666 | $ 4,000 |
| Waterloo-Cedar Falls, IA | 9 | $ 1,145,000 | $ 127,222 | $ 10,000 |
| Winchester, VA-WV | 9 | $ 2,039,000 | $ 226,555 | $ 10,000 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 1,338,000 | $ 167,250 | $ 0 |
| Jacksonville, NC | 8 | $ 795,000 | $ 99,375 | $ 20,000 |
| Monroe, LA | 8 | $ 1,121,000 | $ 140,125 | $ 4,000 |
| Akron, OH | 7 | $ 1,453,000 | $ 207,571 | $ 0 |
| Burlington-South Burlington, VT | 7 | $ 1,680,000 | $ 240,000 | $ 0 |
| Cleveland, TN | 7 | $ 888,000 | $ 126,857 | $ 0 |
| Columbus, OH | 7 | $ 1,271,000 | $ 181,571 | $ 0 |
| Danville, VA | 7 | $ 726,000 | $ 103,714 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 1,056,000 | $ 150,857 | $ 0 |
| Duluth, MN-WI | 7 | $ 1,102,000 | $ 157,428 | $ 0 |
| Fort Wayne, IN | 7 | $ 719,000 | $ 102,714 | $ 0 |
| Jonesboro, AR | 7 | $ 973,000 | $ 139,000 | $ 0 |
| Modesto, CA | 7 | $ 1,724,000 | $ 246,285 | $ 0 |
| Muncie, IN | 7 | $ 705,000 | $ 100,714 | $ 20,000 |
| Ogden-Clearfield, UT | 7 | $ 1,536,000 | $ 219,428 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 2,605,000 | $ 372,142 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 7 | $ 1,837,000 | $ 262,428 | $ 0 |
| Salem, OR | 7 | $ 890,000 | $ 127,142 | $ 0 |
| Stockton, CA | 7 | $ 1,759,000 | $ 251,285 | $ 0 |
| Winston-Salem, NC | 7 | $ 693,000 | $ 99,000 | $ 0 |
| Charlottesville, VA | 6 | $ 770,000 | $ 128,333 | $ 7,000 |
| Columbus, IN | 6 | $ 539,000 | $ 89,833 | $ 0 |
| Evansville, IN-KY | 6 | $ 750,000 | $ 125,000 | $ 0 |
| Pine Bluff, AR | 6 | $ 673,000 | $ 112,166 | $ 34,000 |
| Provo-Orem, UT | 6 | $ 1,262,000 | $ 210,333 | $ 0 |
| Sebastian-Vero Beach, FL | 6 | $ 1,108,000 | $ 184,666 | $ 7,000 |
| Sioux Falls, SD | 6 | $ 708,000 | $ 118,000 | $ 0 |
| St. Joseph, MO-KS | 6 | $ 529,000 | $ 88,166 | $ 6,000 |
| Terre Haute, IN | 6 | $ 401,000 | $ 66,833 | $ 0 |
| Toledo, OH | 6 | $ 1,360,000 | $ 226,666 | $ 0 |
| Yakima, WA | 6 | $ 951,000 | $ 158,500 | $ 0 |
| Barnstable Town, MA | 5 | $ 1,672,000 | $ 334,400 | $ 0 |
| Boulder, CO | 5 | $ 1,025,000 | $ 205,000 | $ 0 |
| Coeur D'Alene, ID | 5 | $ 1,168,000 | $ 233,600 | $ 0 |
| Erie, PA | 5 | $ 680,000 | $ 136,000 | $ 0 |
| Jefferson City, MO | 5 | $ 1,251,000 | $ 250,200 | $ 0 |
| Kennewick-Richland-Pasco, WA | 5 | $ 440,000 | $ 88,000 | $ 0 |
| Louisville-Jefferson County, KY-IN | 5 | $ 610,000 | $ 122,000 | $ 0 |
| Merced, CA | 5 | $ 1,200,000 | $ 240,000 | $ 0 |
| Rapid City, SD | 5 | $ 563,000 | $ 112,600 | $ 0 |
| Roanoke, VA | 5 | $ 570,000 | $ 114,000 | $ 5,000 |
| Santa Fe, NM | 5 | $ 1,114,000 | $ 222,800 | $ 15,000 |
| St. Cloud, MN | 5 | $ 587,000 | $ 117,400 | $ 0 |
| Yuma, AZ | 5 | $ 727,000 | $ 145,400 | $ 6,000 |
| Ames, IA | 4 | $ 339,000 | $ 84,750 | $ 0 |
| Bellingham, WA | 4 | $ 808,000 | $ 202,000 | $ 11,000 |
| Bend, OR | 4 | $ 888,000 | $ 222,000 | $ 0 |
| Bloomington, IN | 4 | $ 448,000 | $ 112,000 | $ 12,000 |
| Burlington, NC | 4 | $ 501,000 | $ 125,250 | $ 0 |
| Elmira, NY | 4 | $ 527,000 | $ 131,750 | $ 35,000 |
| Farmington, NM | 4 | $ 750,000 | $ 187,500 | $ 0 |
| Grand Junction, CO | 4 | $ 691,000 | $ 172,750 | $ 0 |
| Iowa City, IA | 4 | $ 611,000 | $ 152,750 | $ 0 |
| Madison, WI | 4 | $ 716,000 | $ 179,000 | $ 0 |
| Medford, OR | 4 | $ 778,000 | $ 194,500 | $ 0 |
| Peoria, IL | 4 | $ 664,000 | $ 166,000 | $ 0 |
| Racine, WI | 4 | $ 1,103,000 | $ 275,750 | $ 26,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,969,000 | $ 492,250 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,252,000 | $ 313,000 | $ 0 |
| St. George, UT | 4 | $ 1,262,000 | $ 315,500 | $ 24,000 |
| Visalia-Porterville, CA | 4 | $ 600,000 | $ 150,000 | $ 21,000 |
| Champaign-Urbana, IL | 3 | $ 329,000 | $ 109,666 | $ 21,000 |
| Columbia, MO | 3 | $ 342,000 | $ 114,000 | $ 0 |
| El Centro, CA | 3 | $ 651,000 | $ 217,000 | $ 14,000 |
| Eugene-Springfield, OR | 3 | $ 308,000 | $ 102,666 | $ 0 |
| Fort Collins-Loveland, CO | 3 | $ 498,000 | $ 166,000 | $ 0 |
| Grand Forks, ND-MN | 3 | $ 447,000 | $ 149,000 | $ 0 |
| Greeley, CO | 3 | $ 656,000 | $ 218,666 | $ 0 |
| Hot Springs, AR | 3 | $ 548,000 | $ 182,666 | $ 18,000 |
| Jackson, MS | 3 | $ 392,000 | $ 130,666 | $ 0 |
| Lancaster, PA | 3 | $ 580,000 | $ 193,333 | $ 34,000 |
| Pittsfield, MA | 3 | $ 530,000 | $ 176,666 | $ 0 |
| Reading, PA | 3 | $ 386,000 | $ 128,666 | $ 10,000 |
| Redding, CA | 3 | $ 580,000 | $ 193,333 | $ 0 |
| Rocky Mount, NC | 3 | $ 606,000 | $ 202,000 | $ 0 |
| State College, PA | 3 | $ 261,000 | $ 87,000 | $ 0 |
| Wichita, KS | 3 | $ 720,000 | $ 240,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 593,000 | $ 197,666 | $ 0 |
| Anderson, IN | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Appleton, WI | 2 | $ 364,000 | $ 182,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 243,000 | $ 121,500 | $ 0 |
| Bloomington-Normal, IL | 2 | $ 656,000 | $ 328,000 | $ 0 |
| Casper, WY | 2 | $ 211,000 | $ 105,500 | $ 0 |
| Chico, CA | 2 | $ 290,000 | $ 145,000 | $ 31,000 |
| Corvallis, OR | 2 | $ 413,000 | $ 206,500 | $ 0 |
| Cumberland, MD-WV | 2 | $ 161,000 | $ 80,500 | $ 0 |
| Dayton, OH | 2 | $ 415,000 | $ 207,500 | $ 0 |
| Decatur, IL | 2 | $ 117,000 | $ 58,500 | $ 0 |
| Flagstaff, AZ | 2 | $ 283,000 | $ 141,500 | $ 0 |
| Greenville, NC | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Hanford-Corcoran, CA | 2 | $ 248,000 | $ 124,000 | $ 10,000 |
| Idaho Falls, ID | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Janesville, WI | 2 | $ 303,000 | $ 151,500 | $ 0 |
| Johnstown, PA | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Kokomo, IN | 2 | $ 338,000 | $ 169,000 | $ 0 |
| Las Vegas-Paradise, NV | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Lincoln, NE | 2 | $ 215,000 | $ 107,500 | $ 0 |
| Longview, WA | 2 | $ 363,000 | $ 181,500 | $ 0 |
| Michigan City-La Porte, IN | 2 | $ 223,000 | $ 111,500 | $ 0 |
| Mount Vernon-Anacortes, WA | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 313,000 | $ 156,500 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Pascagoula, MS | 2 | $ 151,000 | $ 75,500 | $ 36,000 |
| Pocatello, ID | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Prescott, AZ | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Pueblo, CO | 2 | $ 219,000 | $ 109,500 | $ 41,000 |
| Rochester, MN | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Rockford, IL | 2 | $ 246,000 | $ 123,000 | $ 17,000 |
| Salinas, CA | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Sandusky, OH | 2 | $ 408,000 | $ 204,000 | $ 0 |
| Sheboygan, WI | 2 | $ 568,000 | $ 284,000 | $ 0 |
| Springfield, IL | 2 | $ 258,000 | $ 129,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 155,000 | $ 77,500 | $ 0 |
| Vallejo-Fairfield, CA | 2 | $ 765,000 | $ 382,500 | $ 0 |
| Weirton-Steubenville, WV-OH | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Wenatchee, WA | 2 | $ 266,000 | $ 133,000 | $ 0 |
| York-Hanover, PA | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Yuba City, CA | 2 | $ 645,000 | $ 322,500 | $ 100,000 |
| Austin-Round Rock, TX | 1 | $ 160,000 | $ 160,000 | $ 96,000 |
| Bismarck, ND | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Charleston, WV | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 438,000 | $ 438,000 | $ 136,000 |
| Dallas-Plano-Irving, TX | 1 | $ 208,000 | $ 208,000 | $ 40,000 |
| Danville, IL | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Eau Claire, WI | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Green Bay, WI | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 129,000 | $ 129,000 | $ 51,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Lafayette, IN | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Laredo, TX | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Lawrence, KS | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Logan, UT-ID | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Morristown, TN | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Napa, CA | 1 | $ 488,000 | $ 488,000 | $ 0 |
| Reno-Sparks, NV | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Santa Barbara-Santa Maria, CA | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Spartanburg, SC | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Topeka, KS | 1 | $ 281,000 | $ 281,000 | $ 172,000 |
| Wausau, WI | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Williamsport, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for Novastar Home Mortgage, Inc. in 2006
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 | 6,984 | $1,216,329,000 | $174,000 | $3,201,000 | $9,000 | $1,200,000 |
| Home Purchase | 4,306 | $594,346,000 | $138,000 | $2,750,000 | $2,000 | $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 |
|---|---|---|---|---|---|---|
| Not Provided | 6,420 | $1,056,724,000 | $164,000 | $2,750,000 | $4,000 | $1,200,000 |
| White | 3,029 | $473,675,000 | $156,000 | $3,201,000 | $8,000 | $377,000 |
| Black or African American | 1,484 | $205,114,000 | $138,000 | $650,000 | $11,000 | $300,000 |
| Hispanic | 283 | $56,880,000 | $200,000 | $700,000 | $17,000 | $252,000 |
| Asian | 42 | $11,777,000 | $280,000 | $2,300,000 | $24,000 | $168,000 |
| American Indian or Alaskan Native | 18 | $3,989,000 | $221,000 | $594,000 | $23,000 | $156,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,516,000 | $179,000 | $402,000 | $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) | 11,272 | $1,808,701,000 | $160,000 | $3,201,000 | $7,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $885,000 | $110,000 | $165,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 6 | $599,000 | $99,000 | $147,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 4 | $490,000 | $122,000 | $170,000 | $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 Denied By Financial Institution | 9,327 | $1,455,253,000 | $156,000 | $2,750,000 | $0 | $1,200,000 |
| File Closed For Incompleteness | 936 | $167,924,000 | $179,000 | $3,201,000 | $0 | $126,000 |
| Loan Originated | 690 | $123,976,000 | $179,000 | $845,000 | $67,000 | $377,000 |
| Application Approved But Not Accepted | 325 | $60,681,000 | $186,000 | $874,000 | $73,000 | $404,000 |
| Application Withdrawn By Applicant | 12 | $2,841,000 | $236,000 | $714,000 | $75,000 | $187,000 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Novastar Home Mortgage, Inc.'s 2006 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 Novastar Home Mortgage, Inc.'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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