Shelby County, MO Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 137 mortgage applications in Shelby County, MO totaling $9.7 million, down 40% from 2006. The average application was for $70,000, and applicants reported an average income of $52,000. 31% of applications resulted in an originated loan and 34% were denied. The most active lender was US Bank North Dakota, with 19 applications, followed by Beneficial Company LLC and Hfc Company LLC.
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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 | 137 |
| Total Mortgage Loan Application Amount | $9,680,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $427,000 |
Top Mortgage Lenders in Shelby County, MO (2007)
Ranked by the number of mortgage applications each lender reported in Shelby County, MO in 2007.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | US Bank North Dakota Milwaukee, WI |
19 | $832,000 | $43,000 | $46,000 |
| 2 | Beneficial Company LLC Mettawa, IL |
9 | $756,000 | $84,000 | $71,000 |
| 3 | Hfc Company LLC Mettawa, IL |
8 | $590,000 | $73,000 | $52,000 |
| 4 | Delta Funding Corporation Woodbury, NY |
7 | $673,000 | $96,000 | $95,000 |
| 5 | PHH Mortgage Corporation West Palm Beach, FL |
6 | $329,000 | $54,000 | $57,000 |
| 6 | Gmac Mortgage LLC Ft. Washington, PA |
6 | $457,000 | $76,000 | $40,000 |
| 7 | Eloan Rosemont, IL |
5 | $265,000 | $53,000 | $44,000 |
| 8 | Countrywide Home Loans Westlake Village, CA |
5 | $338,000 | $67,000 | $50,000 |
| 9 | Citimortgage, Inc New York, NY |
5 | $320,000 | $64,000 | $46,000 |
| 10 | Citifinancial Services, Inc. Baltimore, MD |
5 | $159,000 | $31,000 | $27,000 |
The tables below break down 2007 mortgage applications in Shelby 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 Shelby County, MO 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 |
|---|---|---|---|---|---|---|
| Refinancing | 80 | $6,642,000 | $83,000 | $415,000 | $58,000 | $427,000 |
| Home Purchase | 37 | $2,584,000 | $69,000 | $160,000 | $46,000 | $132,000 |
| Home Improvement | 20 | $454,000 | $22,000 | $60,000 | $41,000 | $100,000 |
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 | 105 | $7,552,000 | $71,000 | $415,000 | $52,000 | $176,000 |
| Not Provided | 23 | $1,621,000 | $70,000 | $164,000 | $67,000 | $427,000 |
| Not applicable | 8 | $447,000 | $55,000 | $100,000 | $15,000 | $60,000 |
| Black or African American | 1 | $60,000 | $60,000 | $60,000 | $19,000 | $19,000 |
| Hispanic | 0 | $0 | $0 | $0 | $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 |
| Asian | 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) | 130 | $9,151,000 | $70,000 | $415,000 | $54,000 | $427,000 |
| FHA-insured (Federal Housing Administration) | 4 | $291,000 | $72,000 | $119,000 | $41,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $238,000 | $79,000 | $100,000 | $21,000 | $35,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 46 | $3,476,000 | $75,000 | $415,000 | $49,000 | $154,000 |
| Loan Originated | 42 | $2,528,000 | $60,000 | $165,000 | $49,000 | $132,000 |
| Application Withdrawn By Applicant | 20 | $1,615,000 | $80,000 | $164,000 | $72,000 | $427,000 |
| Loan Purchased By The Institution | 12 | $739,000 | $61,000 | $100,000 | $23,000 | $60,000 |
| Application Approved But Not Accepted | 11 | $873,000 | $79,000 | $128,000 | $69,000 | $126,000 |
| File Closed For Incompleteness | 6 | $449,000 | $74,000 | $120,000 | $68,000 | $86,000 |
| 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 | 10 | $467,000 | $46,000 | $122,000 | $46,000 | $84,000 |
| Collateral | 7 | $517,000 | $73,000 | $188,000 | $43,000 | $76,000 |
| Other | 6 | $321,000 | $53,000 | $90,000 | $51,000 | $59,000 |
| Debt-To-Income Ratio | 3 | $801,000 | $267,000 | $415,000 | $90,000 | $154,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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