St. James Mortgage Corporation Mortgage Lending & HMDA Data, 2021
In 2021, St. James Mortgage Corporation of Bloomfield Hills, MI reported 473 mortgage applications totaling $93.6 million, down 39% from 2020. The average application was for $197,896, and applicants reported an average income of $113,186. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (344), Detroit-Dearborn-Livonia, MI (80) and Ann Arbor, MI (12) (applications in parentheses).
| Mortgage Company & Address | St. James Mortgage Corporation 42676 Woodward Ave Bloomfield Hills, MI 48304 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 473 |
| Total Mortgage Loan Application Amount | $93,605,000 |
| Average Mortgage Loan Application Amount | $197,896 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $113,186 |
| Highest Applicant Income | $503,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records St. James Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 St. James Mortgage Corporation in 2021
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 | 277 | $51,835,000 | $187,000 | $545,000 | $110,000 | $502,000 |
| Cash-out Refinancing | 121 | $25,865,000 | $213,000 | $545,000 | $120,000 | $503,000 |
| Home Purchase | 51 | $12,845,000 | $251,000 | $545,000 | $113,000 | $290,000 |
| Other Purpose | 24 | $3,060,000 | $127,000 | $285,000 | $116,000 | $178,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| White | 423 | $83,745,000 | $197,000 | $545,000 | $112,000 | $502,000 |
| Asian | 27 | $5,255,000 | $194,000 | $395,000 | $141,000 | $503,000 |
| Not Provided | 13 | $2,595,000 | $199,000 | $375,000 | $115,000 | $262,000 |
| Black or African American | 5 | $815,000 | $163,000 | $235,000 | $79,000 | $165,000 |
| Hispanic | 1 | $245,000 | $245,000 | $245,000 | $142,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 473 | $93,605,000 | $197,000 | $545,000 | $114,000 | $503,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 404 | $81,200,000 | $200,000 | $545,000 | $118,000 | $503,000 |
| Application Withdrawn By Applicant | 48 | $8,780,000 | $182,000 | $425,000 | $104,000 | $294,000 |
| Application Denied By Financial Institution | 20 | $3,420,000 | $171,000 | $455,000 | $58,000 | $166,000 |
| Preapproval Denied by Financial Institution | 1 | $205,000 | $205,000 | $205,000 | $67,000 | $67,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 452 | $89,980,000 | $199,000 | $545,000 | $116,000 | $503,000 |
| Credit History | 7 | $995,000 | $142,000 | $375,000 | $56,000 | $95,000 |
| Debt-To-Income Ratio | 5 | $665,000 | $133,000 | $195,000 | $30,000 | $46,000 |
| Other | 4 | $980,000 | $245,000 | $455,000 | $92,000 | $166,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $145,000 | $32,000 | $39,000 |
| Collateral | 2 | $550,000 | $275,000 | $375,000 | $68,000 | $83,000 |
| Unverifiable Information | 1 | $245,000 | $245,000 | $245,000 | $120,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St. James Mortgage Corporation's 2021 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 St. James Mortgage Corporation'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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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