Ray County, MO Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,036 mortgage applications in Ray County, MO totaling $123.2 million, up 5% from 2015. The average application was for $118,000, and applicants reported an average income of $61,000. 50% of applications resulted in an originated loan and 17% were denied. The most active lender was Nbh Bank, with 97 applications, followed by Wells Fargo Bank NA and loanDepot.com LLC.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,036
Total Mortgage Loan Application Amount $123,183,000
Average Mortgage Loan Application Amount $118,000
Highest Mortgage Loan Application Amount $906,000
Average Applicant Income $61,000
Highest Applicant Income $1,200,000

Mortgage Company List for Lending in Ray County, MO for 2016

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 4,800,524,000 97 $ 6,932,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 69 $ 9,139,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 46 $ 6,897,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 2,184,204,000 39 $ 5,136,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 38 $ 4,881,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 32 $ 4,040,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 31 $ 3,875,000
Central Missouri Community Credit Union
620 N MAGUIRE
WARRENSBURG, MO 64093
* $ 96,057,000 28 $ 2,202,000
Community Bank of Missouri
904 WALTON WAY
RICHMOND, MO 64085
* $ 51,492,000 26 $ 3,147,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 26 $ 2,350,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 24 $ 2,893,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 20 $ 2,840,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 16 $ 2,202,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 15 $ 1,715,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 13 $ 1,625,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 13 $ 1,175,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 24,483,687,000 12 $ 1,359,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 12 $ 1,357,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 12 $ 1,530,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 12 $ 1,680,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 12 $ 1,434,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 12 $ 1,533,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 12 $ 1,778,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 11 $ 1,641,000
American Southwest Mortgage Funding Corp
5900 MOSTELLER DRIVE SUITE 8
OKLAHOMA CITY, OK 73112
* $ 336,426,000 11 $ 1,490,000
Equitable Mortgage
909 E REPUBLIC ROAD B200
SPRINGFIELD, MO 65807
* $ 1,300,000 11 $ 1,433,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 11 $ 2,080,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 11 $ 1,199,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 10 $ 1,122,000
Kearney Trust Company
310 W. 92 HIGHWAY
KEARNEY, MO 64060
* $ 164,560,000 9 $ 739,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 9 $ 1,318,000
Cornerstone Mortgage Providers, L.P.
1177 WEST LOOP SOUTH, STE. 200
HOUSTON, TX 77027
* $ 10,000,000 7 $ 1,022,000
Lawson Bank
401 PENNSYLVANIA
LAWSON, MO 64062
* $ 120,475,000 7 $ 572,000
Mazuma Credit Union
7260 W 135TH STREET
OVERLAND PARK, KS 66223
* $ 557,415,000 7 $ 1,035,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 7 $ 820,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 6 $ 597,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 6 $ 702,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 6 $ 475,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 6 $ 581,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ 10,000,000 6 $ 731,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 206,674,000 6 $ 630,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 812,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 5 $ 686,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 5 $ 508,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 5 $ 631,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 5 $ 478,000
First Missouri Bank
PO BOX 190
BROOKFIELD, MO 64628
* $ 173,486,000 5 $ 443,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 3,958,614,000 5 $ 816,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 4 $ 41,000
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 4 $ 579,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 383,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 4 $ 555,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 4 $ 466,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 4 $ 635,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 4 $ 629,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 4 $ 380,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 4 $ 155,000
Platte Valley Bank of Missouri
PO BOX 1250
PLATTE CITY, MO 64079
* $ 477,608,000 3 $ 351,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 3 $ 344,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 3 $ 529,000
Clay County Savings Bank
1178 W KANSAS
LIBERTY, MO 64068
* $ 92,208,000 3 $ 213,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 325,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 3 $ 545,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 361,000
Kcb Bank
950 W 92 HWY
KEARNEY, MO 64060
* $ 209,870,000 3 $ 455,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 3 $ 374,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 3 $ 423,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 398,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 3 $ 392,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 266,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 3 $ 447,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 3 $ 233,000
Public Safety Credit Union
2800 E 14TH ST
KANSAS CITY, MO 64127
* $ 116,131,000 3 $ 324,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 3 $ 488,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 3 $ 449,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,502,221,000 2 $ 235,000
Pony Express Bank
213 MAIN ST
BRAYMER, MO 64624
* $ 143,821,000 2 $ 66,000
Bank Northwest
201 S DAVIS
HAMILTON, MO 64644
* $ 114,743,000 2 $ 90,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 487,384,000 2 $ 329,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 2 $ 125,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ 972,566,000 2 $ 61,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ 10,000,000 2 $ 184,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 176,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 2 $ 145,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 2 $ 243,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 2 $ 366,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 2 $ 427,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 205,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 2 $ 212,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 18,823,520,000 2 $ 307,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ 26,264,000 2 $ 270,000
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 264,697,000 2 $ 156,000
Merchants & Farmers Bank
507 N WEBER
SALISBURY, MO 65281
* $ 107,830,000 2 $ 134,000
Goppert Financial Bank
P.O. BOX 606
LATHROP, MO 64465
* $ 83,526,000 2 $ 1,456,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 175,672,000 2 $ 188,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 362,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 322,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 220,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 134,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ 31,000,000 2 $ 386,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 154,000
The Hamilton Bank
111 NORTH DAVIS, P.O. BOX 127
HAMILTON, MO 64644
* $ 71,351,000 2 $ 71,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 130,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 156,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 161,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,617,322,000 1 $ 169,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 1 $ 16,000
B & L Bank
205 S. 13TH STREET
LEXINGTON, MO 64067
* $ 118,724,000 1 $ 86,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 1 $ 130,000
Industrial State Bank
P O BOX 6007
KANSAS CITY, KS 66106
* $ 143,499,000 1 $ 150,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 414,179,000 1 $ 90,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 193,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 153,000
Forethought Life Insurance Co
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ 100,000,000 1 $ 81,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 153,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 130,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 59,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 334,477,000 1 $ 243,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,128,427,000 1 $ 81,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 1 $ 137,000
Concordia Bank
PO BOX 909
CONCORDIA, MO 64020
* $ 61,264,000 1 $ 145,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,149,159,000 1 $ 170,000
People's Bank of Seneca
PO BOX 500
SENECA, MO 64865
* $ 149,252,000 1 $ 136,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 402,807,000 1 $ 112,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 14,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,194,315,000 1 $ 126,000
Catalyst Lending, Inc.
6530 S YOSEMITE STREET, SUITE 310
GREENWOOD VILLAGE, CO 80111
* $ 410,214,000 1 $ 120,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 95,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 64,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 176,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 86,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 1 $ 121,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 1 $ 125,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ 4,713,000 1 $ 157,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 1 $ 98,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ 17,900,000 1 $ 236,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 187,000
Bank of Odessa
301 W HIGHWAY 40
ODESSA, MO 64076
* $ 234,152,000 1 $ 13,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 189,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 1 $ 47,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ 31,000,000 1 $ 55,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 1 $ 82,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 938,105,000 1 $ 214,000
Hnb National Bank
PO BOX 1107; 100 NORTH MAIN STREET
HANNIBAL, MO 63401
* $ 396,128,000 1 $ 214,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,064,155,000 1 $ 61,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 18,260,025,000 1 $ 204,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 1 $ 53,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 123,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,776,865,000 1 $ 101,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 224,192,000 1 $ 17,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 27,567,209,000 1 $ 185,000
Farmers State Bank
124 E 3RD ST.
CAMERON, MO 64429
* $ 213,772,000 1 $ 172,000
Bankers Mortgage Corporation
7500 COLLEGE BOULEVARD, SUITE 1150
OVERLAND PARK, KS 66210
* $ 273,300,000 1 $ 67,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 876,160,000 1 $ 105,000
BNC National Bank

BISMARCK, ND 58501
* $ 903,318,000 1 $ 80,000

The tables below break down 2016 mortgage applications in Ray 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 Ray County, MO in 2016

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 486 $60,069,000 $123,000 $324,000 $54,000 $290,000
Refinancing 461 $59,020,000 $128,000 $906,000 $68,000 $1,200,000
Home Improvement 89 $4,094,000 $46,000 $200,000 $69,000 $238,000

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 812 $97,557,000 $120,000 $906,000 $68,000 $1,200,000
Not applicable 120 $14,467,000 $120,000 $307,000 $10,000 $173,000
Not Provided 71 $7,422,000 $104,000 $324,000 $66,000 $293,000
Hispanic 15 $1,610,000 $107,000 $258,000 $88,000 $229,000
Black or African American 7 $900,000 $128,000 $216,000 $47,000 $75,000
American Indian or Alaskan Native 6 $786,000 $131,000 $225,000 $63,000 $156,000
Asian 3 $296,000 $98,000 $124,000 $54,000 $87,000
Native Hawaiin or Other Pacific Islander 2 $145,000 $72,000 $74,000 $44,000 $67,000

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) 605 $68,482,000 $113,000 $906,000 $73,000 $1,200,000
FHA-insured (Federal Housing Administration) 236 $29,876,000 $126,000 $344,000 $47,000 $965,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 105 $11,816,000 $112,000 $324,000 $37,000 $104,000
VA-guaranteed (Veterans Administration) 90 $13,009,000 $144,000 $269,000 $51,000 $420,000

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 520 $64,340,000 $123,000 $906,000 $69,000 $965,000
Application Denied By Financial Institution 172 $19,076,000 $110,000 $344,000 $67,000 $420,000
Loan Purchased By The Institution 161 $20,043,000 $124,000 $317,000 $27,000 $206,000
Application Withdrawn By Applicant 113 $12,757,000 $112,000 $338,000 $72,000 $1,200,000
File Closed For Incompleteness 40 $4,505,000 $112,000 $249,000 $53,000 $132,000
Application Approved But Not Accepted 30 $2,462,000 $82,000 $196,000 $65,000 $221,000
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
Credit History 38 $2,721,000 $71,000 $250,000 $59,000 $136,000
Collateral 32 $4,095,000 $127,000 $279,000 $79,000 $269,000
Debt-To-Income Ratio 14 $1,275,000 $91,000 $217,000 $58,000 $156,000
Credit Application Incomplete 11 $929,000 $84,000 $139,000 $59,000 $123,000
Employment History 5 $615,000 $123,000 $177,000 $45,000 $90,000
Other 4 $365,000 $91,000 $127,000 $97,000 $248,000
Unverifiable Information 3 $111,000 $37,000 $76,000 $39,000 $50,000
Insufficient Cash (Downpayment, Closing Cost) 1 $214,000 $214,000 $214,000 $186,000 $186,000
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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