B & L Bank Mortgage Lending & HMDA Data, 2010
In 2010, B & L Bank of Lexington, MO reported 85 mortgage applications totaling $5.8 million, down 21% from 2009. The average application was for $68,705, and applicants reported an average income of $62,800. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Kansas City, MO-KS (78) and Columbia, MO (2).
| Mortgage Company & Address | B & L Bank 205 S. 13th Lexington, MO 64067 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 85 |
| Total Mortgage Loan Application Amount | $5,840,000 |
| Average Mortgage Loan Application Amount | $68,705 |
| Highest Mortgage Loan Application Amount | $256,000 |
| Average Applicant Income | $62,800 |
| Highest Applicant Income | $205,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records B & L Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for B & L Bank in 2010
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 | 47 | $3,051,000 | $64,000 | $224,000 | $58,000 | $205,000 |
| Refinancing | 28 | $2,619,000 | $93,000 | $256,000 | $69,000 | $153,000 |
| Home Improvement | 10 | $170,000 | $17,000 | $53,000 | $68,000 | $137,000 |
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 | 83 | $5,565,000 | $67,000 | $224,000 | $63,000 | $205,000 |
| Not applicable | 1 | $19,000 | $19,000 | $19,000 | $0 | $0 |
| Not Provided | 1 | $256,000 | $256,000 | $256,000 | $80,000 | $80,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 84 | $5,772,000 | $68,000 | $256,000 | $63,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $68,000 | $68,000 | $68,000 | $31,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 77 | $5,294,000 | $68,000 | $256,000 | $64,000 | $205,000 |
| Application Denied By Financial Institution | 5 | $419,000 | $83,000 | $210,000 | $58,000 | $91,000 |
| Application Withdrawn By Applicant | 3 | $127,000 | $42,000 | $50,000 | $40,000 | $46,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $303,000 | $101,000 | $210,000 | $68,000 | $91,000 |
| Credit History | 2 | $116,000 | $58,000 | $80,000 | $44,000 | $53,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into B & L Bank's 2010 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 B & L Bank'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
with aggregated HMDA statistics today.
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