Randolph County, MO Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 1,476 mortgage applications in Randolph County, MO totaling $95.9 million. The average application was for $64,000, and applicants reported an average income of $42,000. 41% of applications resulted in an originated loan and 29% were denied. The most active lender was Commerce Bank, N.A., with 164 applications, followed by Citizens Bank and Trust Company and Beneficial.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,476 |
| Total Mortgage Loan Application Amount | $95,892,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $42,000 |
| Highest Applicant Income | $900,000 |
Top Mortgage Lenders in Randolph County, MO (2003)
Ranked by the number of mortgage applications each lender reported in Randolph County, MO in 2003.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Commerce Bank, N.A. Kansas City, MO |
164 | $9,946,000 | $60,000 | $41,000 |
| 2 | Citizens Bank and Trust Company Kansas City, MO |
102 | $6,592,000 | $64,000 | $77,000 |
| 3 | Beneficial Elmhurst, IL |
98 | $6,252,000 | $63,000 | $49,000 |
| 4 | Bank of America, N.A. Calabasas, CA |
93 | $5,638,000 | $60,000 | $47,000 |
| 5 | Abn Amro Mtg Group Inc New York, NY |
71 | $6,602,000 | $92,000 | $49,000 |
| 6 | Nationstar Mortgage Coppell, TX |
60 | $3,418,000 | $56,000 | $34,000 |
| 7 | Bank Midwest, N.A. Fort Leavenworth, KS |
54 | $2,057,000 | $38,000 | $35,000 |
| 8 | Wells Fargo Home Mortgage Des Moines, IA |
53 | $3,876,000 | $73,000 | $40,000 |
| 9 | Ameriquest Mortgage Company Orange, CA |
42 | $3,498,000 | $83,000 | $64,000 |
| 10 | Countrywide Home Loans Westlake Village, CA |
37 | $2,780,000 | $75,000 | $45,000 |
The tables below break down 2003 mortgage applications in Randolph County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Randolph County, MO in 2003
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 (home purchase or home improvement, one-to-four family) | 1,022 | $71,965,000 | $70,000 | $480,000 | $43,000 | $900,000 |
| Home Purchase (one-to-four family) | 393 | $22,858,000 | $58,000 | $188,000 | $42,000 | $540,000 |
| Home Improvement (one-to-four family) | 61 | $1,069,000 | $17,000 | $71,000 | $36,000 | $180,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,068 | $70,003,000 | $65,000 | $300,000 | $45,000 | $900,000 |
| Information not provided by applicant in mail or telephone application | 269 | $17,152,000 | $63,000 | $480,000 | $44,000 | $306,000 |
| Not applicable | 80 | $5,608,000 | $70,000 | $371,000 | $4,000 | $54,000 |
| Black | 32 | $1,683,000 | $52,000 | $113,000 | $35,000 | $93,000 |
| American Indian or Alaskan Native | 9 | $464,000 | $51,000 | $124,000 | $35,000 | $55,000 |
| Other | 9 | $522,000 | $58,000 | $96,000 | $36,000 | $61,000 |
| Hispanic | 7 | $390,000 | $55,000 | $98,000 | $37,000 | $55,000 |
| Asian or Pacific Islander | 2 | $70,000 | $35,000 | $60,000 | $282,000 | $540,000 |
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) | 1,413 | $91,726,000 | $64,000 | $480,000 | $44,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 47 | $2,863,000 | $60,000 | $129,000 | $25,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,021,000 | $78,000 | $122,000 | $18,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $282,000 | $94,000 | $134,000 | $30,000 | $49,000 |
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 | 604 | $40,334,000 | $66,000 | $372,000 | $48,000 | $540,000 |
| Application Denied By Financial Institution | 425 | $24,164,000 | $56,000 | $391,000 | $41,000 | $314,000 |
| Application Withdrawn By Applicant | 184 | $12,278,000 | $66,000 | $248,000 | $48,000 | $900,000 |
| Loan Purchased By The Institution | 138 | $10,075,000 | $73,000 | $371,000 | $21,000 | $95,000 |
| Application Approved But Not Accepted | 75 | $5,094,000 | $67,000 | $220,000 | $45,000 | $154,000 |
| File Closed For Incompleteness | 50 | $3,947,000 | $78,000 | $480,000 | $42,000 | $179,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 138 | $6,302,000 | $45,000 | $182,000 | $37,000 | $162,000 |
| Other | 54 | $3,403,000 | $63,000 | $188,000 | $45,000 | $314,000 |
| Collateral | 43 | $2,410,000 | $56,000 | $160,000 | $40,000 | $107,000 |
| Debt-To-Income Ratio | 35 | $2,291,000 | $65,000 | $240,000 | $52,000 | $233,000 |
| Credit Application Incomplete | 20 | $1,683,000 | $84,000 | $300,000 | $45,000 | $170,000 |
| Unverifiable Information | 7 | $553,000 | $79,000 | $150,000 | $60,000 | $204,000 |
| Employment History | 3 | $254,000 | $84,000 | $94,000 | $40,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $29,000 | $29,000 | $29,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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