Paramount Bond & Mortgage Co., Inc. Mortgage Lending & HMDA Data, 2013
In 2013, Paramount Bond & Mortgage Co., Inc. of Saint Louis, MO reported 1,540 mortgage applications totaling $304.1 million, down 12% from 2012. The average application was for $197,472, and applicants reported an average income of $100,290. 74% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (1,069), Tampa-St. Petersburg-Clearwater, FL (133) and Kansas City, MO-KS (60) (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 | 1,540 |
| Total Mortgage Loan Application Amount | $304,108,000 |
| Average Mortgage Loan Application Amount | $197,472 |
| Highest Mortgage Loan Application Amount | $1,465,000 |
| Average Applicant Income | $100,290 |
| Highest Applicant Income | $1,056,000 |
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Paramount Bond & Mortgage Co., Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 826 | $148,784,000 | $180,000 | $960,000 | $89,000 | $588,000 |
| Refinancing | 672 | $146,721,000 | $218,000 | $1,465,000 | $113,000 | $1,056,000 |
| Home Improvement | 42 | $8,603,000 | $204,000 | $550,000 | $119,000 | $434,000 |
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 | 1,369 | $274,632,000 | $200,000 | $1,465,000 | $102,000 | $1,056,000 |
| Black or African American | 78 | $10,888,000 | $139,000 | $288,000 | $58,000 | $166,000 |
| Not Provided | 33 | $5,723,000 | $173,000 | $645,000 | $101,000 | $588,000 |
| Asian | 30 | $7,754,000 | $258,000 | $1,000,000 | $128,000 | $279,000 |
| Hispanic | 28 | $4,730,000 | $168,000 | $417,000 | $94,000 | $398,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $111,000 | $111,000 | $111,000 | $56,000 | $56,000 |
| American Indian or Alaskan Native | 1 | $270,000 | $270,000 | $270,000 | $150,000 | $150,000 |
| 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) | 1,021 | $225,724,000 | $221,000 | $1,465,000 | $120,000 | $1,056,000 |
| FHA-insured (Federal Housing Administration) | 412 | $59,509,000 | $144,000 | $469,000 | $62,000 | $316,000 |
| VA-guaranteed (Veterans Administration) | 70 | $13,603,000 | $194,000 | $625,000 | $69,000 | $305,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,272,000 | $142,000 | $365,000 | $50,000 | $93,000 |
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 | 1,141 | $226,055,000 | $198,000 | $1,200,000 | $102,000 | $974,000 |
| Application Withdrawn By Applicant | 325 | $65,144,000 | $200,000 | $1,465,000 | $98,000 | $1,056,000 |
| Application Denied By Financial Institution | 63 | $10,618,000 | $168,000 | $720,000 | $81,000 | $400,000 |
| Application Approved But Not Accepted | 11 | $2,291,000 | $208,000 | $417,000 | $134,000 | $651,000 |
| File Closed For Incompleteness | 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 |
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 | 16 | $3,317,000 | $207,000 | $720,000 | $103,000 | $400,000 |
| Collateral | 9 | $1,123,000 | $124,000 | $236,000 | $99,000 | $269,000 |
| Credit History | 7 | $802,000 | $114,000 | $153,000 | $62,000 | $122,000 |
| Debt-To-Income Ratio | 7 | $1,119,000 | $159,000 | $242,000 | $46,000 | $63,000 |
| Unverifiable Information | 1 | $143,000 | $143,000 | $143,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $100,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Paramount Bond & Mortgage Co., Inc.'s 2013 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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