Novastar Mortgage Mortgage Lending & HMDA Data, 2008

In 2008, Novastar Mortgage of Kansas City, MO reported 830 mortgage applications totaling $147.7 million, down 99% from 2007. The average application was for $177,915, and applicants reported an average income of $74,869. 0% of its applications resulted in an originated loan and 97% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (32), Atlanta-Sandy Springs-Marietta, GA (26) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (23) (applications in parentheses).

Mortgage Company & Address Novastar Mortgage
2114 Central Suite 600
Kansas City, MO 64108
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 830
Total Mortgage Loan Application Amount $147,670,000
Average Mortgage Loan Application Amount $177,915
Highest Mortgage Loan Application Amount $1,102,000
Average Applicant Income $74,869
Highest Applicant Income $1,020,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Novastar Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Novastar Mortgage by County in 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Miami-Dade, Florida 32 $ 7,646,000 $ 238,937 $ 83,000
Broward, Florida 23 $ 5,111,000 $ 222,217 $ 75,000
Palm Beach, Florida 15 $ 2,989,000 $ 199,266 $ 70,000
Maricopa, Arizona 14 $ 2,528,000 $ 180,571 $ 62,000
Wayne, Michigan 14 $ 1,534,000 $ 109,571 $ 57,000
Los Angeles, California 13 $ 4,782,000 $ 367,846 $ 94,000
Duval, Florida 12 $ 1,742,000 $ 145,166 $ 77,000
Orange, Florida 10 $ 2,282,000 $ 228,200 $ 80,000
Fulton, Georgia 10 $ 1,600,000 $ 160,000 $ 98,000
St. Louis, Missouri 10 $ 1,272,000 $ 127,200 $ 64,000
Hillsborough, Florida 9 $ 1,555,000 $ 172,777 $ 66,000
Allegheny, Pennsylvania 8 $ 1,124,000 $ 140,500 $ 87,000
Dallas, Texas 7 $ 839,000 $ 119,857 $ 57,000
Lee, Florida 6 $ 1,229,000 $ 204,833 $ 92,000
Polk, Florida 6 $ 880,000 $ 146,666 $ 46,000
Volusia, Florida 6 $ 819,000 $ 136,500 $ 51,000
Cook, Illinois 6 $ 1,402,000 $ 233,666 $ 80,000
Jackson, Missouri 6 $ 641,000 $ 106,833 $ 43,000
Philadelphia, Pennsylvania 6 $ 824,000 $ 137,333 $ 54,000
Fairfax, Virginia 6 $ 2,084,000 $ 347,333 $ 158,000
Pulaski, Arkansas 5 $ 877,000 $ 175,400 $ 84,000
San Bernardino, California 5 $ 1,817,000 $ 363,400 $ 106,000
New Castle, Delaware 5 $ 882,000 $ 176,400 $ 61,000
Osceola, Florida 5 $ 946,000 $ 189,200 $ 87,000
Pasco, Florida 5 $ 918,000 $ 183,600 $ 54,000
St. Tammany, Louisiana 5 $ 844,000 $ 168,800 $ 124,000
Camden, New Jersey 5 $ 902,000 $ 180,400 $ 98,000
Suffolk, New York 5 $ 1,794,000 $ 358,800 $ 97,000
Berks, Pennsylvania 5 $ 798,000 $ 159,600 $ 49,000
Shelby, Tennessee 5 $ 671,000 $ 134,200 $ 46,000
Riverside, California 4 $ 1,170,000 $ 292,500 $ 78,000
Fairfield, Connecticut 4 $ 1,284,000 $ 321,000 $ 103,000
District of Columbia, District Of Columbia 4 $ 1,105,000 $ 276,250 $ 67,000
Manatee, Florida 4 $ 737,000 $ 184,250 $ 91,000
Marion, Florida 4 $ 685,000 $ 171,250 $ 32,000
Sarasota, Florida 4 $ 531,000 $ 132,750 $ 73,000
Lake, Indiana 4 $ 379,000 $ 94,750 $ 51,000
East Baton Rouge, Louisiana 4 $ 456,000 $ 114,000 $ 32,000
Greenville, South Carolina 4 $ 454,000 $ 113,500 $ 54,000
Tarrant, Texas 4 $ 674,000 $ 168,500 $ 91,000
Pima, Arizona 3 $ 502,000 $ 167,333 $ 43,000
Benton, Arkansas 3 $ 290,000 $ 96,666 $ 33,000
New Haven, Connecticut 3 $ 447,000 $ 149,000 $ 49,000
New London, Connecticut 3 $ 648,000 $ 216,000 $ 89,000
Alachua, Florida 3 $ 399,000 $ 133,000 $ 64,000
Bay, Florida 3 $ 363,000 $ 121,000 $ 41,000
Pinellas, Florida 3 $ 406,000 $ 135,333 $ 44,000
St. Lucie, Florida 3 $ 607,000 $ 202,333 $ 78,000
Cobb, Georgia 3 $ 536,000 $ 178,666 $ 65,000
Henry, Georgia 3 $ 401,000 $ 133,666 $ 68,000
Laurel, Kentucky 3 $ 334,000 $ 111,333 $ 75,000
Norfolk, Massachusetts 3 $ 633,000 $ 211,000 $ 71,000
Oakland, Michigan 3 $ 502,000 $ 167,333 $ 108,000
Atlantic, New Jersey 3 $ 742,000 $ 247,333 $ 102,000
Burlington, New Jersey 3 $ 503,000 $ 167,666 $ 76,000
Essex, New Jersey 3 $ 897,000 $ 299,000 $ 77,000
Bronx, New York 3 $ 1,181,000 $ 393,666 $ 90,000
Chautauqua, New York 3 $ 344,000 $ 114,666 $ 45,000
Orange, New York 3 $ 814,000 $ 271,333 $ 86,000
New Hanover, North Carolina 3 $ 681,000 $ 227,000 $ 74,000
Wake, North Carolina 3 $ 386,000 $ 128,666 $ 56,000
Northampton, Pennsylvania 3 $ 414,000 $ 138,000 $ 74,000
Wayne, Pennsylvania 3 $ 451,000 $ 150,333 $ 54,000
Westmoreland, Pennsylvania 3 $ 277,000 $ 92,333 $ 43,000
Laurens, South Carolina 3 $ 336,000 $ 112,000 $ 63,000
Fort Bend, Texas 3 $ 488,000 $ 162,666 $ 67,000
Harris, Texas 3 $ 325,000 $ 108,333 $ 54,000
Chesterfield, Virginia 3 $ 668,000 $ 222,666 $ 71,000
Petersburg, Virginia 3 $ 411,000 $ 137,000 $ 55,000
Mobile, Alabama 2 $ 147,000 $ 73,500 $ 23,000
Jefferson, Arkansas 2 $ 124,000 $ 62,000 $ 76,000
Kern, California 2 $ 331,000 $ 165,500 $ 66,000
Sacramento, California 2 $ 760,000 $ 380,000 $ 169,000
Santa Clara, California 2 $ 1,137,000 $ 568,500 $ 207,000
Windham, Connecticut 2 $ 615,000 $ 307,500 $ 87,000
Baker, Florida 2 $ 260,000 $ 130,000 $ 59,000
Brevard, Florida 2 $ 300,000 $ 150,000 $ 53,000
Citrus, Florida 2 $ 234,000 $ 117,000 $ 46,000
Clay, Florida 2 $ 229,000 $ 114,500 $ 59,000
Gulf, Florida 2 $ 472,000 $ 236,000 $ 93,000
Hernando, Florida 2 $ 361,000 $ 180,500 $ 56,000
Highlands, Florida 2 $ 319,000 $ 159,500 $ 62,000
Putnam, Florida 2 $ 457,000 $ 228,500 $ 60,000
St. Johns, Florida 2 $ 290,000 $ 145,000 $ 69,000
Sumter, Florida 2 $ 213,000 $ 106,500 $ 30,000
Chatham, Georgia 2 $ 217,000 $ 108,500 $ 48,000
Clayton, Georgia 2 $ 256,000 $ 128,000 $ 85,000
DeKalb, Georgia 2 $ 250,000 $ 125,000 $ 66,000
Effingham, Georgia 2 $ 275,000 $ 137,500 $ 66,000
Gwinnett, Georgia 2 $ 381,000 $ 190,500 $ 120,000
Troup, Georgia 2 $ 373,000 $ 186,500 $ 53,000
Elkhart, Indiana 2 $ 322,000 $ 161,000 $ 77,000
Ripley, Indiana 2 $ 248,000 $ 124,000 $ 86,000
Black Hawk, Iowa 2 $ 143,000 $ 71,500 $ 48,000
Sedgwick, Kansas 2 $ 195,000 $ 97,500 $ 77,000
Boyd, Kentucky 2 $ 147,000 $ 73,500 $ 70,000
St. Charles, Louisiana 2 $ 520,000 $ 260,000 $ 68,000
Tangipahoa, Louisiana 2 $ 294,000 $ 147,000 $ 51,000
Essex, Massachusetts 2 $ 573,000 $ 286,500 $ 48,000
Hampden, Massachusetts 2 $ 362,000 $ 181,000 $ 115,000
Genesee, Michigan 2 $ 233,000 $ 116,500 $ 58,000
Ingham, Michigan 2 $ 156,000 $ 78,000 $ 34,000
Macomb, Michigan 2 $ 296,000 $ 148,000 $ 77,000
Roscommon, Michigan 2 $ 347,000 $ 173,500 $ 90,000
Dakota, Minnesota 2 $ 357,000 $ 178,500 $ 56,000
Washington, Mississippi 2 $ 464,000 $ 232,000 $ 129,000
Clay, Missouri 2 $ 230,000 $ 115,000 $ 55,000
Lafayette, Missouri 2 $ 317,000 $ 158,500 $ 42,000
St. Louis City, Missouri 2 $ 145,000 $ 72,500 $ 30,000
Albany, New York 2 $ 360,000 $ 180,000 $ 67,000
Cayuga, New York 2 $ 199,000 $ 99,500 $ 28,000
Dutchess, New York 2 $ 580,000 $ 290,000 $ 172,000
Essex, New York 2 $ 576,000 $ 288,000 $ 102,000
Monroe, New York 2 $ 197,000 $ 98,500 $ 71,000
New York, New York 2 $ 430,000 $ 215,000 $ 171,000
Putnam, New York 2 $ 816,000 $ 408,000 $ 160,000
Rensselaer, New York 2 $ 175,000 $ 87,500 $ 41,000
Saratoga, New York 2 $ 257,000 $ 128,500 $ 51,000
Schenectady, New York 2 $ 183,000 $ 91,500 $ 56,000
Ulster, New York 2 $ 486,000 $ 243,000 $ 192,000
Westchester, New York 2 $ 415,000 $ 207,500 $ 42,000
Duplin, North Carolina 2 $ 245,000 $ 122,500 $ 49,000
Gaston, North Carolina 2 $ 226,000 $ 113,000 $ 73,000
Oklahoma, Oklahoma 2 $ 239,000 $ 119,500 $ 38,000
Washington, Oregon 2 $ 538,000 $ 269,000 $ 106,000
Adams, Pennsylvania 2 $ 242,000 $ 121,000 $ 45,000
Beaver, Pennsylvania 2 $ 253,000 $ 126,500 $ 64,000
Bucks, Pennsylvania 2 $ 636,000 $ 318,000 $ 82,000
Delaware, Pennsylvania 2 $ 253,000 $ 126,500 $ 63,000
Montgomery, Pennsylvania 2 $ 644,000 $ 322,000 $ 162,000
Venango, Pennsylvania 2 $ 198,000 $ 99,000 $ 52,000
Washington, Pennsylvania 2 $ 229,000 $ 114,500 $ 78,000
Charleston, South Carolina 2 $ 255,000 $ 127,500 $ 77,000
Richland, South Carolina 2 $ 281,000 $ 140,500 $ 65,000
Hamilton, Tennessee 2 $ 356,000 $ 178,000 $ 62,000
Bexar, Texas 2 $ 266,000 $ 133,000 $ 67,000
Denton, Texas 2 $ 343,000 $ 171,500 $ 147,000
El Paso, Texas 2 $ 211,000 $ 105,500 $ 55,000
Hidalgo, Texas 2 $ 194,000 $ 97,000 $ 63,000
Hampton, Virginia 2 $ 388,000 $ 194,000 $ 46,000
Pierce, Washington 2 $ 553,000 $ 276,500 $ 82,000
Milwaukee, Wisconsin 2 $ 251,000 $ 125,500 $ 45,000
Blount, Alabama 1 $ 112,000 $ 112,000 $ 48,000
Coffee, Alabama 1 $ 148,000 $ 148,000 $ 84,000
Dallas, Alabama 1 $ 139,000 $ 139,000 $ 48,000
DeKalb, Alabama 1 $ 100,000 $ 100,000 $ 84,000
Jefferson, Alabama 1 $ 109,000 $ 109,000 $ 41,000
Macon, Alabama 1 $ 148,000 $ 148,000 $ 62,000
Talladega, Alabama 1 $ 142,000 $ 142,000 $ 53,000
Tallapoosa, Alabama 1 $ 100,000 $ 100,000 $ 53,000
Pinal, Arizona 1 $ 172,000 $ 172,000 $ 38,000
Yavapai, Arizona 1 $ 120,000 $ 120,000 $ 48,000
Yuma, Arizona 1 $ 225,000 $ 225,000 $ 62,000
Bradley, Arkansas 1 $ 95,000 $ 95,000 $ 31,000
Garland, Arkansas 1 $ 126,000 $ 126,000 $ 57,000
Logan, Arkansas 1 $ 112,000 $ 112,000 $ 50,000
Pope, Arkansas 1 $ 94,000 $ 94,000 $ 48,000
Calaveras, California 1 $ 272,000 $ 272,000 $ 72,000
Contra Costa, California 1 $ 234,000 $ 234,000 $ 78,000
Orange, California 1 $ 348,000 $ 348,000 $ 1,020,000
San Diego, California 1 $ 571,000 $ 571,000 $ 140,000
Solano, California 1 $ 370,000 $ 370,000 $ 84,000
Sonoma, California 1 $ 377,000 $ 377,000 $ 115,000
Tulare, California 1 $ 164,000 $ 164,000 $ 240,000
Denver, Colorado 1 $ 158,000 $ 158,000 $ 36,000
Garfield, Colorado 1 $ 255,000 $ 255,000 $ 72,000
Mesa, Colorado 1 $ 82,000 $ 82,000 $ 29,000
Prowers, Colorado 1 $ 153,000 $ 153,000 $ 63,000
Routt, Colorado 1 $ 1,102,000 $ 1,102,000 $ 300,000
Hartford, Connecticut 1 $ 216,000 $ 216,000 $ 46,000
Collier, Florida 1 $ 281,000 $ 281,000 $ 73,000
Columbia, Florida 1 $ 99,000 $ 99,000 $ 36,000
Escambia, Florida 1 $ 468,000 $ 468,000 $ 149,000
Glades, Florida 1 $ 186,000 $ 186,000 $ 67,000
Indian River, Florida 1 $ 103,000 $ 103,000 $ 47,000
Lafayette, Florida 1 $ 160,000 $ 160,000 $ 98,000
Lake, Florida 1 $ 167,000 $ 167,000 $ 103,000
Martin, Florida 1 $ 413,000 $ 413,000 $ 152,000
Nassau, Florida 1 $ 367,000 $ 367,000 $ 100,000
Seminole, Florida 1 $ 105,000 $ 105,000 $ 48,000
Walton, Florida 1 $ 162,000 $ 162,000 $ 60,000
Barrow, Georgia 1 $ 128,000 $ 128,000 $ 48,000
Chattooga, Georgia 1 $ 84,000 $ 84,000 $ 44,000
Cherokee, Georgia 1 $ 120,000 $ 120,000 $ 47,000
Fannin, Georgia 1 $ 85,000 $ 85,000 $ 156,000
Forsyth, Georgia 1 $ 315,000 $ 315,000 $ 90,000
Houston, Georgia 1 $ 126,000 $ 126,000 $ 38,000
Lowndes, Georgia 1 $ 100,000 $ 100,000 $ 48,000
Paulding, Georgia 1 $ 108,000 $ 108,000 $ 54,000
Wayne, Georgia 1 $ 133,000 $ 133,000 $ 31,000
Ada, Idaho 1 $ 347,000 $ 347,000 $ 109,000
DuPage, Illinois 1 $ 88,000 $ 88,000 $ 43,000
Kendall, Illinois 1 $ 191,000 $ 191,000 $ 98,000
LaSalle, Illinois 1 $ 165,000 $ 165,000 $ 161,000
Livingston, Illinois 1 $ 69,000 $ 69,000 $ 45,000
Madison, Illinois 1 $ 95,000 $ 95,000 $ 67,000
McHenry, Illinois 1 $ 93,000 $ 93,000 $ 57,000
St. Clair, Illinois 1 $ 60,000 $ 60,000 $ 27,000
Allen, Indiana 1 $ 124,000 $ 124,000 $ 65,000
Clark, Indiana 1 $ 401,000 $ 401,000 $ 110,000
Delaware, Indiana 1 $ 33,000 $ 33,000 $ 52,000
Hancock, Indiana 1 $ 126,000 $ 126,000 $ 47,000
Huntington, Indiana 1 $ 45,000 $ 45,000 $ 34,000
Kosciusko, Indiana 1 $ 181,000 $ 181,000 $ 72,000
Madison, Indiana 1 $ 118,000 $ 118,000 $ 49,000
Marion, Indiana 1 $ 59,000 $ 59,000 $ 80,000
Newton, Indiana 1 $ 175,000 $ 175,000 $ 75,000
Parke, Indiana 1 $ 65,000 $ 65,000 $ 42,000
Porter, Indiana 1 $ 50,000 $ 50,000 $ 34,000
Putnam, Indiana 1 $ 120,000 $ 120,000 $ 92,000
Starke, Indiana 1 $ 50,000 $ 50,000 $ 32,000
Cass, Iowa 1 $ 110,000 $ 110,000 $ 45,000
Davis, Iowa 1 $ 69,000 $ 69,000 $ 32,000
Decatur, Iowa 1 $ 100,000 $ 100,000 $ 60,000
Muscatine, Iowa 1 $ 118,000 $ 118,000 $ 68,000
Polk, Iowa 1 $ 143,000 $ 143,000 $ 94,000
Warren, Iowa 1 $ 160,000 $ 160,000 $ 44,000
Anderson, Kansas 1 $ 131,000 $ 131,000 $ 73,000
Crawford, Kansas 1 $ 58,000 $ 58,000 $ 62,000
Jackson, Kansas 1 $ 93,000 $ 93,000 $ 50,000
Riley, Kansas 1 $ 50,000 $ 50,000 $ 70,000
Campbell, Kentucky 1 $ 150,000 $ 150,000 $ 65,000
Fayette, Kentucky 1 $ 178,000 $ 178,000 $ 295,000
Franklin, Kentucky 1 $ 194,000 $ 194,000 $ 68,000
Grant, Kentucky 1 $ 112,000 $ 112,000 $ 25,000
Henderson, Kentucky 1 $ 89,000 $ 89,000 $ 52,000
Kenton, Kentucky 1 $ 122,000 $ 122,000 $ 38,000
Meade, Kentucky 1 $ 117,000 $ 117,000 $ 39,000
Montgomery, Kentucky 1 $ 111,000 $ 111,000 $ 33,000
Pendleton, Kentucky 1 $ 120,000 $ 120,000 $ 58,000
Wayne, Kentucky 1 $ 142,000 $ 142,000 $ 64,000
Avoyelles, Louisiana 1 $ 92,000 $ 92,000 $ 105,000
Calcasieu, Louisiana 1 $ 100,000 $ 100,000 $ 43,000
Jefferson, Louisiana 1 $ 268,000 $ 268,000 $ 51,000
Orleans, Louisiana 1 $ 204,000 $ 204,000 $ 52,000
Sabine, Louisiana 1 $ 152,000 $ 152,000 $ 90,000
Androscoggin, Maine 1 $ 189,000 $ 189,000 $ 96,000
Cumberland, Maine 1 $ 161,000 $ 161,000 $ 67,000
Kennebec, Maine 1 $ 389,000 $ 389,000 $ 108,000
Sagadahoc, Maine 1 $ 116,000 $ 116,000 $ 112,000
Allegany, Maryland 1 $ 90,000 $ 90,000 $ 19,000
Prince George's, Maryland 1 $ 238,000 $ 238,000 $ 63,000
Berkshire, Massachusetts 1 $ 112,000 $ 112,000 $ 24,000
Bristol, Massachusetts 1 $ 113,000 $ 113,000 $ 37,000
Middlesex, Massachusetts 1 $ 159,000 $ 159,000 $ 65,000
Plymouth, Massachusetts 1 $ 299,000 $ 299,000 $ 96,000
Suffolk, Massachusetts 1 $ 368,000 $ 368,000 $ 107,000
Worcester, Massachusetts 1 $ 230,000 $ 230,000 $ 48,000
Barry, Michigan 1 $ 189,000 $ 189,000 $ 52,000
Calhoun, Michigan 1 $ 87,000 $ 87,000 $ 19,000
Cass, Michigan 1 $ 60,000 $ 60,000 $ 47,000
Charlevoix, Michigan 1 $ 67,000 $ 67,000 $ 31,000
Delta, Michigan 1 $ 65,000 $ 65,000 $ 33,000
Dickinson, Michigan 1 $ 125,000 $ 125,000 $ 41,000
Hillsdale, Michigan 1 $ 126,000 $ 126,000 $ 38,000
Jackson, Michigan 1 $ 141,000 $ 141,000 $ 103,000
Kent, Michigan 1 $ 146,000 $ 146,000 $ 56,000
Lenawee, Michigan 1 $ 59,000 $ 59,000 $ 48,000
Livingston, Michigan 1 $ 99,000 $ 99,000 $ 54,000
Midland, Michigan 1 $ 157,000 $ 157,000 $ 88,000
Monroe, Michigan 1 $ 97,000 $ 97,000 $ 42,000
Ogemaw, Michigan 1 $ 131,000 $ 131,000 $ 49,000
Otsego, Michigan 1 $ 189,000 $ 189,000 $ 74,000
Ottawa, Michigan 1 $ 133,000 $ 133,000 $ 50,000
Shiawassee, Michigan 1 $ 118,000 $ 118,000 $ 46,000
St. Joseph, Michigan 1 $ 99,000 $ 99,000 $ 52,000
Anoka, Minnesota 1 $ 250,000 $ 250,000 $ 91,000
Hennepin, Minnesota 1 $ 163,000 $ 163,000 $ 41,000
Ramsey, Minnesota 1 $ 120,000 $ 120,000 $ 40,000
Rice, Minnesota 1 $ 151,000 $ 151,000 $ 33,000
Sherburne, Minnesota 1 $ 246,000 $ 246,000 $ 133,000
Washington, Minnesota 1 $ 175,000 $ 175,000 $ 96,000
Copiah, Mississippi 1 $ 114,000 $ 114,000 $ 47,000
DeSoto, Mississippi 1 $ 100,000 $ 100,000 $ 138,000
Harrison, Mississippi 1 $ 529,000 $ 529,000 $ 156,000
Hinds, Mississippi 1 $ 152,000 $ 152,000 $ 90,000
Jasper, Mississippi 1 $ 198,000 $ 198,000 $ 259,000
Jones, Mississippi 1 $ 76,000 $ 76,000 $ 33,000
Lowndes, Mississippi 1 $ 60,000 $ 60,000 $ 38,000
Rankin, Mississippi 1 $ 107,000 $ 107,000 $ 91,000
Buchanan, Missouri 1 $ 83,000 $ 83,000 $ 88,000
Jasper, Missouri 1 $ 50,000 $ 50,000 $ 50,000
Jefferson, Missouri 1 $ 197,000 $ 197,000 $ 69,000
McDonald, Missouri 1 $ 260,000 $ 260,000 $ 125,000
Nodaway, Missouri 1 $ 55,000 $ 55,000 $ 22,000
Pemiscot, Missouri 1 $ 53,000 $ 53,000 $ 11,000
Pettis, Missouri 1 $ 52,000 $ 52,000 $ 53,000
Pike, Missouri 1 $ 116,000 $ 116,000 $ 78,000
Platte, Missouri 1 $ 167,000 $ 167,000 $ 58,000
Polk, Missouri 1 $ 56,000 $ 56,000 $ 25,000
St. Charles, Missouri 1 $ 151,000 $ 151,000 $ 36,000
Douglas, Nebraska 1 $ 122,000 $ 122,000 $ 98,000
Sarpy, Nebraska 1 $ 126,000 $ 126,000 $ 78,000
Hillsborough, New Hampshire 1 $ 184,000 $ 184,000 $ 92,000
Strafford, New Hampshire 1 $ 135,000 $ 135,000 $ 48,000
Cumberland, New Jersey 1 $ 140,000 $ 140,000 $ 42,000
Gloucester, New Jersey 1 $ 200,000 $ 200,000 $ 53,000
Hudson, New Jersey 1 $ 175,000 $ 175,000 $ 29,000
Monmouth, New Jersey 1 $ 510,000 $ 510,000 $ 720,000
Passaic, New Jersey 1 $ 296,000 $ 296,000 $ 78,000
Sussex, New Jersey 1 $ 368,000 $ 368,000 $ 76,000
Union, New Jersey 1 $ 216,000 $ 216,000 $ 36,000
Warren, New Jersey 1 $ 142,000 $ 142,000 $ 68,000
Bernalillo, New Mexico 1 $ 117,000 $ 117,000 $ 59,000
Curry, New Mexico 1 $ 77,000 $ 77,000 $ 43,000
Otero, New Mexico 1 $ 72,000 $ 72,000 $ 86,000
Socorro, New Mexico 1 $ 157,000 $ 157,000 $ 127,000
Broome, New York 1 $ 113,000 $ 113,000 $ 49,000
Chemung, New York 1 $ 86,000 $ 86,000 $ 41,000
Cortland, New York 1 $ 140,000 $ 140,000 $ 43,000
Erie, New York 1 $ 50,000 $ 50,000 $ 14,000
Fulton, New York 1 $ 204,000 $ 204,000 $ 101,000
Greene, New York 1 $ 156,000 $ 156,000 $ 44,000
Kings, New York 1 $ 520,000 $ 520,000 $ 106,000
Onondaga, New York 1 $ 203,000 $ 203,000 $ 141,000
Ontario, New York 1 $ 95,000 $ 95,000 $ 88,000
Orleans, New York 1 $ 58,000 $ 58,000 $ 40,000
Queens, New York 1 $ 369,000 $ 369,000 $ 108,000
Richmond, New York 1 $ 215,000 $ 215,000 $ 36,000
Schuyler, New York 1 $ 123,000 $ 123,000 $ 43,000
Steuben, New York 1 $ 104,000 $ 104,000 $ 55,000
Burke, North Carolina 1 $ 136,000 $ 136,000 $ 63,000
Cabarrus, North Carolina 1 $ 165,000 $ 165,000 $ 50,000
Camden, North Carolina 1 $ 110,000 $ 110,000 $ 35,000
Caswell, North Carolina 1 $ 102,000 $ 102,000 $ 65,000
Catawba, North Carolina 1 $ 131,000 $ 131,000 $ 42,000
Forsyth, North Carolina 1 $ 176,000 $ 176,000 $ 119,000
Franklin, North Carolina 1 $ 108,000 $ 108,000 $ 42,000
Johnston, North Carolina 1 $ 136,000 $ 136,000 $ 154,000
Mecklenburg, North Carolina 1 $ 114,000 $ 114,000 $ 41,000
Onslow, North Carolina 1 $ 158,000 $ 158,000 $ 135,000
Pitt, North Carolina 1 $ 99,000 $ 99,000 $ 28,000
Rowan, North Carolina 1 $ 147,000 $ 147,000 $ 44,000
Transylvania, North Carolina 1 $ 190,000 $ 190,000 $ 126,000
Cherokee, Oklahoma 1 $ 78,000 $ 78,000 $ 36,000
Osage, Oklahoma 1 $ 120,000 $ 120,000 $ 37,000
Pontotoc, Oklahoma 1 $ 77,000 $ 77,000 $ 59,000
Tulsa, Oklahoma 1 $ 179,000 $ 179,000 $ 81,000
Wagoner, Oklahoma 1 $ 155,000 $ 155,000 $ 90,000
Butler, Pennsylvania 1 $ 208,000 $ 208,000 $ 72,000
Cambria, Pennsylvania 1 $ 88,000 $ 88,000 $ 137,000
Clearfield, Pennsylvania 1 $ 154,000 $ 154,000 $ 120,000
Cumberland, Pennsylvania 1 $ 154,000 $ 154,000 $ 47,000
Erie, Pennsylvania 1 $ 148,000 $ 148,000 $ 66,000
Fayette, Pennsylvania 1 $ 174,000 $ 174,000 $ 89,000
Lackawanna, Pennsylvania 1 $ 58,000 $ 58,000 $ 33,000
Lawrence, Pennsylvania 1 $ 116,000 $ 116,000 $ 43,000
Perry, Pennsylvania 1 $ 140,000 $ 140,000 $ 39,000
Pike, Pennsylvania 1 $ 437,000 $ 437,000 $ 153,000
Snyder, Pennsylvania 1 $ 79,000 $ 79,000 $ 48,000
Wyoming, Pennsylvania 1 $ 181,000 $ 181,000 $ 65,000
York, Pennsylvania 1 $ 220,000 $ 220,000 $ 120,000
Aiken, South Carolina 1 $ 157,000 $ 157,000 $ 58,000
Anderson, South Carolina 1 $ 128,000 $ 128,000 $ 71,000
Berkeley, South Carolina 1 $ 171,000 $ 171,000 $ 97,000
Florence, South Carolina 1 $ 104,000 $ 104,000 $ 31,000
Greenwood, South Carolina 1 $ 94,000 $ 94,000 $ 45,000
Newberry, South Carolina 1 $ 86,000 $ 86,000 $ 60,000
Orangeburg, South Carolina 1 $ 138,000 $ 138,000 $ 54,000
Davidson, Tennessee 1 $ 137,000 $ 137,000 $ 35,000
Hamblen, Tennessee 1 $ 148,000 $ 148,000 $ 75,000
Hardeman, Tennessee 1 $ 155,000 $ 155,000 $ 33,000
Knox, Tennessee 1 $ 128,000 $ 128,000 $ 62,000
Marshall, Tennessee 1 $ 200,000 $ 200,000 $ 81,000
Sevier, Tennessee 1 $ 228,000 $ 228,000 $ 127,000
Smith, Tennessee 1 $ 71,000 $ 71,000 $ 45,000
Tipton, Tennessee 1 $ 143,000 $ 143,000 $ 66,000
Bell, Texas 1 $ 227,000 $ 227,000 $ 116,000
Brazoria, Texas 1 $ 181,000 $ 181,000 $ 117,000
Collin, Texas 1 $ 166,000 $ 166,000 $ 96,000
Ellis, Texas 1 $ 150,000 $ 150,000 $ 84,000
Fayette, Texas 1 $ 350,000 $ 350,000 $ 96,000
Gregg, Texas 1 $ 81,000 $ 81,000 $ 88,000
Grimes, Texas 1 $ 277,000 $ 277,000 $ 100,000
Liberty, Texas 1 $ 96,000 $ 96,000 $ 35,000
Lubbock, Texas 1 $ 260,000 $ 260,000 $ 480,000
Nueces, Texas 1 $ 297,000 $ 297,000 $ 95,000
Parker, Texas 1 $ 233,000 $ 233,000 $ 100,000
Tom Green, Texas 1 $ 61,000 $ 61,000 $ 70,000
Trinity, Texas 1 $ 50,000 $ 50,000 $ 39,000
Caledonia, Vermont 1 $ 266,000 $ 266,000 $ 119,000
Alexandria, Virginia 1 $ 277,000 $ 277,000 $ 56,000
Arlington, Virginia 1 $ 144,000 $ 144,000 $ 55,000
Bedford, Virginia 1 $ 566,000 $ 566,000 $ 225,000
Buckingham, Virginia 1 $ 80,000 $ 80,000 $ 70,000
Buena Vista, Virginia 1 $ 104,000 $ 104,000 $ 31,000
Campbell, Virginia 1 $ 50,000 $ 50,000 $ 42,000
Culpeper, Virginia 1 $ 298,000 $ 298,000 $ 181,000
Fauquier, Virginia 1 $ 284,000 $ 284,000 $ 75,000
Franklin, Virginia 1 $ 74,000 $ 74,000 $ 48,000
Giles, Virginia 1 $ 88,000 $ 88,000 $ 32,000
Grayson, Virginia 1 $ 124,000 $ 124,000 $ 60,000
Halifax, Virginia 1 $ 59,000 $ 59,000 $ 27,000
Henrico, Virginia 1 $ 146,000 $ 146,000 $ 48,000
Isle of Wight, Virginia 1 $ 245,000 $ 245,000 $ 52,000
Loudoun, Virginia 1 $ 417,000 $ 417,000 $ 150,000
Orange, Virginia 1 $ 152,000 $ 152,000 $ 76,000
Prince William, Virginia 1 $ 170,000 $ 170,000 $ 35,000
Pulaski, Virginia 1 $ 50,000 $ 50,000 $ 37,000
Richmond City, Virginia 1 $ 150,000 $ 150,000 $ 36,000
Roanoke City, Virginia 1 $ 194,000 $ 194,000 $ 89,000
Smyth, Virginia 1 $ 160,000 $ 160,000 $ 89,000
Spotsylvania, Virginia 1 $ 359,000 $ 359,000 $ 105,000
Stafford, Virginia 1 $ 142,000 $ 142,000 $ 66,000
Suffolk, Virginia 1 $ 140,000 $ 140,000 $ 59,000
Surry, Virginia 1 $ 98,000 $ 98,000 $ 41,000
Warren, Virginia 1 $ 209,000 $ 209,000 $ 78,000
Westmoreland, Virginia 1 $ 121,000 $ 121,000 $ 98,000
Williamsburg, Virginia 1 $ 187,000 $ 187,000 $ 36,000
Wise, Virginia 1 $ 122,000 $ 122,000 $ 55,000
Grays Harbor, Washington 1 $ 150,000 $ 150,000 $ 42,000
Klickitat, Washington 1 $ 320,000 $ 320,000 $ 78,000
Lewis, Washington 1 $ 94,000 $ 94,000 $ 59,000
Skagit, Washington 1 $ 299,000 $ 299,000 $ 78,000
Skamania, Washington 1 $ 125,000 $ 125,000 $ 32,000
Spokane, Washington 1 $ 131,000 $ 131,000 $ 34,000
Stevens, Washington 1 $ 159,000 $ 159,000 $ 91,000
Berkeley, West Virginia 1 $ 112,000 $ 112,000 $ 48,000
Braxton, West Virginia 1 $ 114,000 $ 114,000 $ 92,000
Cabell, West Virginia 1 $ 185,000 $ 185,000 $ 65,000
Raleigh, West Virginia 1 $ 71,000 $ 71,000 $ 19,000
Wayne, West Virginia 1 $ 119,000 $ 119,000 $ 47,000
Bayfield, Wisconsin 1 $ 104,000 $ 104,000 $ 85,000
Brown, Wisconsin 1 $ 74,000 $ 74,000 $ 48,000
Chippewa, Wisconsin 1 $ 167,000 $ 167,000 $ 40,000
Dane, Wisconsin 1 $ 184,000 $ 184,000 $ 41,000
Marinette, Wisconsin 1 $ 108,000 $ 108,000 $ 45,000
Outagamie, Wisconsin 1 $ 91,000 $ 91,000 $ 26,000
Sheboygan, Wisconsin 1 $ 55,000 $ 55,000 $ 35,000
Vilas, Wisconsin 1 $ 361,000 $ 361,000 $ 54,000

Mortgage Loan Application Detail Totals for Novastar Mortgage in 2008

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 824 $146,782,000 $178,000 $1,102,000 $75,000 $1,020,000
Home Purchase 6 $888,000 $148,000 $366,000 $57,000 $101,000
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 608 $114,260,000 $187,000 $1,102,000 $75,000 $351,000
White 148 $21,808,000 $147,000 $712,000 $78,000 $1,020,000
Black or African American 47 $6,960,000 $148,000 $405,000 $57,000 $222,000
Hispanic 20 $3,388,000 $169,000 $424,000 $64,000 $125,000
Asian 5 $1,049,000 $209,000 $417,000 $88,000 $150,000
American Indian or Alaskan Native 2 $205,000 $102,000 $155,000 $52,000 $71,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $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) 830 $147,670,000 $177,000 $1,102,000 $74,000 $1,020,000
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 Denied By Financial Institution 807 $144,093,000 $178,000 $1,102,000 $75,000 $1,020,000
Application Approved But Not Accepted 15 $2,205,000 $147,000 $328,000 $54,000 $105,000
File Closed For Incompleteness 8 $1,372,000 $171,000 $267,000 $63,000 $98,000
Loan Originated 0 $0 $0 $0 $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
Application Withdrawn By Applicant 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 Mortgage's 2008 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 Mortgage'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.

Download the Missouri Lender List