United States Trust Company,Na Mortgage Lending & HMDA Data, 2007
In 2007, United States Trust Company,Na of Kansas City, MO reported 471 mortgage applications totaling $688.0 million, down 31% from 2006. The average application was for $1,460,800, and applicants reported an average income of $1,228,197. 79% of its applications resulted in an originated loan and 0% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (131), Bridgeport-Stamford-Norwalk, CT (37) and Nassau-Suffolk, NY (20) (applications in parentheses).
| Mortgage Company & Address | United States Trust Company,Na 1200 Main St, Mail Stop Mo8-060-12-24 Kansas City, MO 64105 |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 471 |
| Total Mortgage Loan Application Amount | $688,037,000 |
| Average Mortgage Loan Application Amount | $1,460,800 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $1,228,197 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United States Trust Company,Na filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York, New York | 102 | $ 179,563,000 | $ 1,760,421 | $ 1,732,000 |
| Fairfield, Connecticut | 37 | $ 71,125,000 | $ 1,922,297 | $ 2,246,000 |
| Suffolk, New York | 16 | $ 38,435,000 | $ 2,402,187 | $ 3,115,000 |
| Westchester, New York | 16 | $ 23,355,000 | $ 1,459,687 | $ 1,644,000 |
| Los Angeles, California | 14 | $ 36,715,000 | $ 2,622,500 | $ 288,000 |
| Palm Beach, Florida | 11 | $ 11,071,000 | $ 1,006,454 | $ 1,673,000 |
| Orange, California | 10 | $ 23,264,000 | $ 2,326,400 | $ 2,272,000 |
| District of Columbia, District Of Columbia | 9 | $ 6,888,000 | $ 765,333 | $ 240,000 |
| Kings, New York | 8 | $ 9,550,000 | $ 1,193,750 | $ 236,000 |
| Collier, Florida | 7 | $ 512,000 | $ 73,142 | $ 0 |
| Dallas, Texas | 7 | $ 3,208,000 | $ 458,285 | $ 209,000 |
| Travis, Texas | 7 | $ 4,570,000 | $ 652,857 | $ 533,000 |
| Indian River, Florida | 6 | $ 3,904,000 | $ 650,666 | $ 133,000 |
| Valencia, New Mexico | 6 | $ 1,830,000 | $ 305,000 | $ 0 |
| Mecklenburg, North Carolina | 6 | $ 3,186,000 | $ 531,000 | $ 615,000 |
| Nantucket, Massachusetts | 5 | $ 11,775,000 | $ 2,355,000 | $ 1,982,000 |
| Hennepin, Minnesota | 5 | $ 3,410,000 | $ 682,000 | $ 458,000 |
| Essex, New Jersey | 5 | $ 6,064,000 | $ 1,212,800 | $ 1,215,000 |
| Maricopa, Arizona | 4 | $ 3,006,000 | $ 751,500 | $ 37,000 |
| Broward, Florida | 4 | $ 2,987,000 | $ 746,750 | $ 256,000 |
| Middlesex, Massachusetts | 4 | $ 2,885,000 | $ 721,250 | $ 157,000 |
| Ocean, New Jersey | 4 | $ 3,450,000 | $ 862,500 | $ 1,391,000 |
| Nassau, New York | 4 | $ 4,102,000 | $ 1,025,500 | $ 572,000 |
| Charleston, South Carolina | 4 | $ 4,442,000 | $ 1,110,500 | $ 89,000 |
| King, Washington | 4 | $ 2,428,000 | $ 607,000 | $ 403,000 |
| Marin, California | 3 | $ 2,284,000 | $ 761,333 | $ 173,000 |
| San Mateo, California | 3 | $ 13,775,000 | $ 4,591,666 | $ 1,463,000 |
| Santa Clara, California | 3 | $ 4,300,000 | $ 1,433,333 | $ 297,000 |
| Eagle, Colorado | 3 | $ 13,194,000 | $ 4,398,000 | $ 2,605,000 |
| Pitkin, Colorado | 3 | $ 9,500,000 | $ 3,166,666 | $ 3,333,000 |
| Cumberland, Maine | 3 | $ 4,100,000 | $ 1,366,666 | $ 716,000 |
| Hancock, Maine | 3 | $ 5,768,000 | $ 1,922,666 | $ 4,358,000 |
| Montgomery, Maryland | 3 | $ 2,112,000 | $ 704,000 | $ 222,000 |
| Suffolk, Massachusetts | 3 | $ 1,349,000 | $ 449,666 | $ 509,000 |
| Bergen, New Jersey | 3 | $ 7,560,000 | $ 2,520,000 | $ 1,663,000 |
| Mercer, New Jersey | 3 | $ 2,228,000 | $ 742,666 | $ 243,000 |
| Monmouth, New Jersey | 3 | $ 1,230,000 | $ 410,000 | $ 390,000 |
| Somerset, New Jersey | 3 | $ 4,250,000 | $ 1,416,666 | $ 1,047,000 |
| Dutchess, New York | 3 | $ 4,730,000 | $ 1,576,666 | $ 3,999,000 |
| New Hanover, North Carolina | 3 | $ 3,555,000 | $ 1,185,000 | $ 36,000 |
| Summit, Utah | 3 | $ 3,825,000 | $ 1,275,000 | $ 0 |
| Fairfax, Virginia | 3 | $ 2,517,000 | $ 839,000 | $ 354,000 |
| Nevada, California | 2 | $ 2,636,000 | $ 1,318,000 | $ 0 |
| San Francisco, California | 2 | $ 3,425,000 | $ 1,712,500 | $ 33,000 |
| Ventura, California | 2 | $ 950,000 | $ 475,000 | $ 0 |
| Boulder, Colorado | 2 | $ 1,465,000 | $ 732,500 | $ 361,000 |
| Larimer, Colorado | 2 | $ 1,325,000 | $ 662,500 | $ 0 |
| Litchfield, Connecticut | 2 | $ 2,123,000 | $ 1,061,500 | $ 706,000 |
| Miami-Dade, Florida | 2 | $ 4,000,000 | $ 2,000,000 | $ 6,749,000 |
| Honolulu, Hawaii | 2 | $ 5,900,000 | $ 2,950,000 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 2,250,000 | $ 1,125,000 | $ 2,770,000 |
| Essex, Massachusetts | 2 | $ 7,930,000 | $ 3,965,000 | $ 2,300,000 |
| Norfolk, Massachusetts | 2 | $ 4,320,000 | $ 2,160,000 | $ 0 |
| Plymouth, Massachusetts | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Antrim, Michigan | 2 | $ 1,400,000 | $ 700,000 | $ 491,000 |
| Stillwater, Montana | 2 | $ 8,000,000 | $ 4,000,000 | $ 6,220,000 |
| Clark, Nevada | 2 | $ 1,593,000 | $ 796,500 | $ 1,662,000 |
| Morris, New Jersey | 2 | $ 2,650,000 | $ 1,325,000 | $ 1,282,000 |
| Montgomery, Pennsylvania | 2 | $ 3,980,000 | $ 1,990,000 | $ 2,126,000 |
| Newport, Rhode Island | 2 | $ 23,000,000 | $ 11,500,000 | $ 0 |
| Denton, Texas | 2 | $ 685,000 | $ 342,500 | $ 280,000 |
| Harris, Texas | 2 | $ 924,000 | $ 462,000 | $ 556,000 |
| Chittenden, Vermont | 2 | $ 3,300,000 | $ 1,650,000 | $ 547,000 |
| Loudoun, Virginia | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Dane, Wisconsin | 2 | $ 566,000 | $ 283,000 | $ 53,000 |
| Teton, Wyoming | 2 | $ 3,632,000 | $ 1,816,000 | $ 86,000 |
| Baldwin, Alabama | 1 | $ 640,000 | $ 640,000 | $ 0 |
| Pinal, Arizona | 1 | $ 600,000 | $ 600,000 | $ 575,000 |
| Amador, California | 1 | $ 1,150,000 | $ 1,150,000 | $ 0 |
| Contra Costa, California | 1 | $ 5,000,000 | $ 5,000,000 | $ 1,002,000 |
| Kern, California | 1 | $ 100,000 | $ 100,000 | $ 109,000 |
| Monterey, California | 1 | $ 1,988,000 | $ 1,988,000 | $ 6,637,000 |
| Santa Barbara, California | 1 | $ 2,680,000 | $ 2,680,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Denver, Colorado | 1 | $ 350,000 | $ 350,000 | $ 436,000 |
| La Plata, Colorado | 1 | $ 435,000 | $ 435,000 | $ 531,000 |
| Middlesex, Connecticut | 1 | $ 418,000 | $ 418,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 1,300,000 | $ 1,300,000 | $ 2,589,000 |
| New London, Connecticut | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Sussex, Delaware | 1 | $ 750,000 | $ 750,000 | $ 1,109,000 |
| Lee, Florida | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Orange, Florida | 1 | $ 276,000 | $ 276,000 | $ 1,067,000 |
| Osceola, Florida | 1 | $ 390,000 | $ 390,000 | $ 344,000 |
| DeKalb, Georgia | 1 | $ 214,000 | $ 214,000 | $ 72,000 |
| Fulton, Georgia | 1 | $ 1,100,000 | $ 1,100,000 | $ 1,663,000 |
| Hawaii, Hawaii | 1 | $ 1,650,000 | $ 1,650,000 | $ 2,252,000 |
| Cook, Illinois | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Franklin, Maine | 1 | $ 385,000 | $ 385,000 | $ 0 |
| York, Maine | 1 | $ 2,000,000 | $ 2,000,000 | $ 2,749,000 |
| Dakota, Minnesota | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Olmsted, Minnesota | 1 | $ 87,000 | $ 87,000 | $ 1,500,000 |
| Park, Montana | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Douglas, Nevada | 1 | $ 3,100,000 | $ 3,100,000 | $ 1,830,000 |
| Washoe, Nevada | 1 | $ 688,000 | $ 688,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 352,000 | $ 352,000 | $ 66,000 |
| Union, New Jersey | 1 | $ 882,000 | $ 882,000 | $ 482,000 |
| Bernalillo, New Mexico | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 300,000 | $ 300,000 | $ 76,000 |
| Bronx, New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 465,000 |
| Greene, New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,093,000 |
| Otsego, New York | 1 | $ 400,000 | $ 400,000 | $ 965,000 |
| Rockland, New York | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Sullivan, New York | 1 | $ 703,000 | $ 703,000 | $ 0 |
| Washington, New York | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 72,000 |
| Haywood, North Carolina | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Moore, North Carolina | 1 | $ 1,181,000 | $ 1,181,000 | $ 1,650,000 |
| Wake, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Clackamas, Oregon | 1 | $ 571,000 | $ 571,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 1,275,000 | $ 1,275,000 | $ 1,959,000 |
| Lane, Oregon | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion, Oregon | 1 | $ 320,000 | $ 320,000 | $ 355,000 |
| Multnomah, Oregon | 1 | $ 85,000 | $ 85,000 | $ 329,000 |
| Chester, Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 46,000 |
| Monroe, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Washington, Rhode Island | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 1,100,000 | $ 1,100,000 | $ 1,289,000 |
| Darlington, South Carolina | 1 | $ 141,000 | $ 141,000 | $ 81,000 |
| York, South Carolina | 1 | $ 792,000 | $ 792,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Bastrop, Texas | 1 | $ 675,000 | $ 675,000 | $ 336,000 |
| Collin, Texas | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Parker, Texas | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Tarrant, Texas | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Wasatch, Utah | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Windham, Vermont | 1 | $ 664,000 | $ 664,000 | $ 2,800,000 |
| Albemarle, Virginia | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Clark, Washington | 1 | $ 998,000 | $ 998,000 | $ 321,000 |
| Kitsap, Washington | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Pierce, Washington | 1 | $ 250,000 | $ 250,000 | $ 0 |
| La Crosse, Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 154,000 |
| Milwaukee, Wisconsin | 1 | $ 214,000 | $ 214,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for United States Trust Company,Na in 2007
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 | 380 | $573,649,000 | $1,509,000 | $12,000,000 | $1,268,000 | $9,999,000 |
| Refinancing | 59 | $76,753,000 | $1,300,000 | $5,000,000 | $1,043,000 | $7,797,000 |
| Home Improvement | 32 | $37,635,000 | $1,176,000 | $5,000,000 | $1,097,000 | $6,773,000 |
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 | 314 | $418,458,000 | $1,332,000 | $11,000,000 | $1,409,000 | $9,999,000 |
| Not applicable | 88 | $155,241,000 | $1,764,000 | $12,000,000 | $0 | $0 |
| Not Provided | 56 | $83,396,000 | $1,489,000 | $7,000,000 | $1,955,000 | $9,999,000 |
| Asian | 9 | $18,847,000 | $2,094,000 | $4,000,000 | $2,210,000 | $3,250,000 |
| Black or African American | 3 | $11,495,000 | $3,831,000 | $6,000,000 | $2,280,000 | $4,389,000 |
| Hispanic | 1 | $600,000 | $600,000 | $600,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 471 | $688,037,000 | $1,460,000 | $12,000,000 | $1,228,000 | $9,999,000 |
| 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 | 371 | $504,568,000 | $1,360,000 | $12,000,000 | $1,211,000 | $9,999,000 |
| Application Approved But Not Accepted | 62 | $111,839,000 | $1,803,000 | $10,000,000 | $1,921,000 | $9,999,000 |
| Application Withdrawn By Applicant | 30 | $69,618,000 | $2,320,000 | $11,000,000 | $342,000 | $9,999,000 |
| Loan Purchased By The Institution | 7 | $512,000 | $73,000 | $77,000 | $0 | $0 |
| Application Denied By Financial Institution | 1 | $1,500,000 | $1,500,000 | $1,500,000 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 1 | $1,500,000 | $1,500,000 | $1,500,000 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United States Trust Company,Na's 2007 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 United States Trust Company,Na'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
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