Paramount Bond & Mortgage Co., Inc. Mortgage Lending & HMDA Data, 2014
In 2014, Paramount Bond & Mortgage Co., Inc. of Saint Louis, MO reported 1,106 mortgage applications totaling $215.0 million, down 28% from 2013. The average application was for $194,400, and applicants reported an average income of $94,269. 76% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (901), Tampa-St. Petersburg-Clearwater, FL (92) and Seattle-Bellevue-Everett, WA (14) (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 | 1,106 |
| Total Mortgage Loan Application Amount | $215,007,000 |
| Average Mortgage Loan Application Amount | $194,400 |
| Highest Mortgage Loan Application Amount | $1,417,000 |
| Average Applicant Income | $94,269 |
| Highest Applicant Income | $1,328,000 |
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Paramount Bond & Mortgage Co., Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 850 | $155,365,000 | $182,000 | $1,085,000 | $87,000 | $1,030,000 |
| Refinancing | 211 | $50,742,000 | $240,000 | $1,417,000 | $117,000 | $1,253,000 |
| Home Improvement | 45 | $8,900,000 | $197,000 | $700,000 | $125,000 | $1,328,000 |
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 | 980 | $194,643,000 | $198,000 | $1,417,000 | $97,000 | $1,328,000 |
| Black or African American | 48 | $6,986,000 | $145,000 | $417,000 | $65,000 | $224,000 |
| Hispanic | 40 | $6,231,000 | $155,000 | $336,000 | $68,000 | $285,000 |
| Asian | 19 | $3,227,000 | $169,000 | $414,000 | $81,000 | $161,000 |
| Not Provided | 13 | $2,760,000 | $212,000 | $865,000 | $113,000 | $432,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $956,000 | $239,000 | $314,000 | $93,000 | $112,000 |
| American Indian or Alaskan Native | 2 | $204,000 | $102,000 | $114,000 | $43,000 | $53,000 |
| 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) | 679 | $149,971,000 | $220,000 | $1,417,000 | $115,000 | $1,328,000 |
| FHA-insured (Federal Housing Administration) | 298 | $39,646,000 | $133,000 | $286,000 | $59,000 | $557,000 |
| VA-guaranteed (Veterans Administration) | 104 | $22,147,000 | $212,000 | $861,000 | $74,000 | $352,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $3,243,000 | $129,000 | $222,000 | $44,000 | $78,000 |
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 | 837 | $165,447,000 | $197,000 | $1,417,000 | $95,000 | $1,328,000 |
| Application Withdrawn By Applicant | 220 | $40,841,000 | $185,000 | $1,085,000 | $98,000 | $1,030,000 |
| Application Denied By Financial Institution | 43 | $7,799,000 | $181,000 | $890,000 | $64,000 | $260,000 |
| File Closed For Incompleteness | 6 | $920,000 | $153,000 | $394,000 | $108,000 | $260,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $2,345,000 | $180,000 | $378,000 | $50,000 | $110,000 |
| Credit History | 9 | $2,524,000 | $280,000 | $890,000 | $76,000 | $153,000 |
| Collateral | 8 | $1,125,000 | $140,000 | $272,000 | $69,000 | $146,000 |
| Unverifiable Information | 3 | $504,000 | $168,000 | $328,000 | $62,000 | $87,000 |
| Other | 2 | $159,000 | $79,000 | $87,000 | $58,000 | $79,000 |
| Employment History | 2 | $199,000 | $99,000 | $126,000 | $36,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2014 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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with aggregated HMDA statistics today.
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