Paramount Bond & Mortgage Co., Inc. Mortgage Lending & HMDA Data, 2012
In 2012, Paramount Bond & Mortgage Co., Inc. of Saint Louis, MO reported 1,753 mortgage applications totaling $339.2 million, up 7% from 2011. The average application was for $193,486, and applicants reported an average income of $97,177. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (1,288), Tampa-St. Petersburg-Clearwater, FL (84) and Kansas City, MO-KS (80) (applications in parentheses).
| Mortgage Company & Address | Paramount Bond & Mortgage Co., Inc. 622 Emerson Rd Suite 325 Saint Louis, MO 63141 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,753 |
| Total Mortgage Loan Application Amount | $339,181,000 |
| Average Mortgage Loan Application Amount | $193,486 |
| Highest Mortgage Loan Application Amount | $1,486,000 |
| Average Applicant Income | $97,177 |
| Highest Applicant Income | $2,076,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Paramount Bond & Mortgage Co., Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Paramount Bond & Mortgage Co., Inc. in 2012
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 | 1,027 | $220,585,000 | $214,000 | $1,486,000 | $108,000 | $2,034,000 |
| Home Purchase | 721 | $118,164,000 | $163,000 | $1,000,000 | $82,000 | $2,076,000 |
| Home Improvement | 5 | $432,000 | $86,000 | $152,000 | $63,000 | $112,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,518 | $301,011,000 | $198,000 | $1,486,000 | $101,000 | $2,076,000 |
| Black or African American | 105 | $14,350,000 | $136,000 | $417,000 | $64,000 | $300,000 |
| Not Provided | 49 | $8,929,000 | $182,000 | $800,000 | $76,000 | $262,000 |
| Asian | 40 | $8,443,000 | $211,000 | $417,000 | $121,000 | $498,000 |
| Hispanic | 37 | $5,696,000 | $153,000 | $390,000 | $66,000 | $246,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $752,000 | $188,000 | $316,000 | $93,000 | $187,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 970 | $219,123,000 | $225,000 | $1,486,000 | $128,000 | $2,076,000 |
| FHA-insured (Federal Housing Administration) | 616 | $90,111,000 | $146,000 | $520,000 | $65,000 | $386,000 |
| VA-guaranteed (Veterans Administration) | 117 | $23,197,000 | $198,000 | $609,000 | $40,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $6,750,000 | $135,000 | $259,000 | $45,000 | $104,000 |
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 | 1,432 | $279,036,000 | $194,000 | $1,486,000 | $100,000 | $2,076,000 |
| Application Withdrawn By Applicant | 242 | $46,227,000 | $191,000 | $930,000 | $88,000 | $580,000 |
| Application Denied By Financial Institution | 58 | $9,512,000 | $164,000 | $1,000,000 | $84,000 | $784,000 |
| Application Approved But Not Accepted | 18 | $3,466,000 | $192,000 | $400,000 | $102,000 | $300,000 |
| File Closed For Incompleteness | 2 | $788,000 | $394,000 | $520,000 | $191,000 | $197,000 |
| Loan Purchased By The Institution | 1 | $152,000 | $152,000 | $152,000 | $48,000 | $48,000 |
| 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 | 13 | $2,374,000 | $182,000 | $560,000 | $81,000 | $169,000 |
| Collateral | 12 | $1,687,000 | $140,000 | $280,000 | $89,000 | $188,000 |
| Debt-To-Income Ratio | 9 | $1,094,000 | $121,000 | $207,000 | $64,000 | $114,000 |
| Employment History | 3 | $318,000 | $106,000 | $119,000 | $108,000 | $151,000 |
| Credit History | 2 | $1,136,000 | $568,000 | $1,000,000 | $420,000 | $784,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $74,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Paramount Bond & Mortgage Co., Inc.'s 2012 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 Paramount Bond & Mortgage Co., 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.
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