St. Joseph, MO-KS Metro Area Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 6,701 mortgage applications in St. Joseph, MO-KS metro area totaling $1.0 billion, up 10% from 2020. The average application was for $150,849, and applicants reported an average income of $82,000. 60% of applications resulted in an originated loan and 12% were denied. The most active lender was Fairway Independent Mort Corp, with 635 applications, followed by US Bank, N.A. and Primelending.
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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 | 6,701 |
| Total Mortgage Loan Application Amount | $1,010,845,000 |
| Average Mortgage Loan Application Amount | $150,849 |
| Highest Mortgage Loan Application Amount | $3,925,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $3,233,000 |
Top Mortgage Lenders in St. Joseph, MO-KS Metro Area (2021)
Ranked by the number of mortgage applications each lender reported in St. Joseph, MO-KS metro area in 2021.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Fairway Independent Mort Corp Madison, WI |
635 | $94,265,000 | $148,000 | $72,000 |
| 2 | US Bank, N.A. Cincinnati, OH |
493 | $61,155,000 | $124,000 | $84,000 |
| 3 | Primelending Dallas, TX |
333 | $51,485,000 | $154,000 | $68,000 |
| 4 | Freedom Mortgage Corporation Boca Raton, FL |
248 | $39,340,000 | $158,000 | $79,000 |
| 5 | Commerce Bank Kansas City, MO |
239 | $28,055,000 | $117,000 | $116,000 |
| 6 | Wells Fargo Bank NA Minneapolis, MN |
189 | $25,675,000 | $135,000 | $86,000 |
| 7 | Hnb National Bank Hannibal, MO |
186 | $31,360,000 | $168,000 | $106,000 |
| 8 | The Nodaway Valley Bank Maryville, MO |
184 | $23,080,000 | $125,000 | $102,000 |
| 9 | PennyMac Loan Services LLC Westlake Village, CA |
136 | $23,490,000 | $172,000 | $83,000 |
| 10 | Community Banc Mortgage Corp Chatham, IL |
131 | $20,865,000 | $159,000 | $73,000 |
See every lender active in St. Joseph, MO-KS metro area in 2021 »
The tables below break down 2021 mortgage applications in St. Joseph, MO-KS metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for St. Joseph, MO-KS 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,793 | $441,515,000 | $158,000 | $3,925,000 | $78,000 | $3,233,000 |
| Refinancing | 2,293 | $350,595,000 | $152,000 | $2,405,000 | $85,000 | $837,000 |
| Cash-out Refinancing | 1,185 | $188,265,000 | $158,000 | $705,000 | $86,000 | $904,000 |
| Home Improvement | 201 | $13,435,000 | $66,000 | $355,000 | $85,000 | $335,000 |
| Other Purpose | 178 | $13,240,000 | $74,000 | $355,000 | $89,000 | $1,011,000 |
| Not Applicable | 51 | $3,795,000 | $74,000 | $225,000 | $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 | 4,827 | $715,855,000 | $148,000 | $1,865,000 | $83,000 | $3,233,000 |
| Not applicable | 720 | $119,610,000 | $166,000 | $3,925,000 | $67,000 | $138,000 |
| Not Provided | 705 | $114,515,000 | $162,000 | $755,000 | $88,000 | $1,034,000 |
| Hispanic | 224 | $30,170,000 | $134,000 | $625,000 | $66,000 | $425,000 |
| Black or African American | 120 | $15,180,000 | $126,000 | $545,000 | $65,000 | $287,000 |
| American Indian or Alaskan Native | 46 | $6,170,000 | $134,000 | $435,000 | $75,000 | $200,000 |
| Asian | 45 | $7,005,000 | $155,000 | $335,000 | $97,000 | $324,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,290,000 | $161,000 | $245,000 | $65,000 | $234,000 |
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) | 4,809 | $717,665,000 | $149,000 | $3,925,000 | $89,000 | $3,233,000 |
| FHA-insured (Federal Housing Administration) | 1,214 | $164,040,000 | $135,000 | $365,000 | $54,000 | $409,000 |
| VA-guaranteed (Veterans Administration) | 590 | $115,670,000 | $196,000 | $705,000 | $67,000 | $271,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 88 | $13,470,000 | $153,000 | $375,000 | $54,000 | $123,000 |
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 | 4,029 | $630,585,000 | $156,000 | $3,925,000 | $84,000 | $1,011,000 |
| Application Denied By Financial Institution | 832 | $100,690,000 | $121,000 | $1,865,000 | $71,000 | $3,233,000 |
| Application Withdrawn By Applicant | 751 | $112,525,000 | $149,000 | $1,865,000 | $85,000 | $1,034,000 |
| Loan Purchased By The Institution | 570 | $91,950,000 | $161,000 | $545,000 | $100,000 | $413,000 |
| File Closed For Incompleteness | 331 | $47,415,000 | $143,000 | $455,000 | $83,000 | $458,000 |
| Application Approved But Not Accepted | 174 | $25,740,000 | $147,000 | $1,445,000 | $80,000 | $708,000 |
| Preapproval Approved but not Accepted | 9 | $1,475,000 | $163,000 | $225,000 | $55,000 | $110,000 |
| Preapproval Denied by Financial Institution | 5 | $465,000 | $93,000 | $195,000 | $50,000 | $116,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,376 | $832,490,000 | $154,000 | $3,925,000 | $82,000 | $1,034,000 |
| Debt-To-Income Ratio | 713 | $105,245,000 | $147,000 | $2,305,000 | $90,000 | $810,000 |
| Credit History | 226 | $23,820,000 | $105,000 | $655,000 | $71,000 | $837,000 |
| Collateral | 136 | $15,860,000 | $116,000 | $1,105,000 | $67,000 | $265,000 |
| Other | 107 | $13,125,000 | $122,000 | $435,000 | $109,000 | $3,233,000 |
| Credit Application Incomplete | 86 | $13,240,000 | $153,000 | $1,865,000 | $76,000 | $503,000 |
| Unverifiable Information | 37 | $4,885,000 | $132,000 | $435,000 | $59,000 | $147,000 |
| Employment History | 11 | $1,115,000 | $101,000 | $185,000 | $52,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,065,000 | $118,000 | $185,000 | $57,000 | $138,000 |
| 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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