B & L Bank Mortgage Lending & HMDA Data, 2015
In 2015, B & L Bank of Lexington, MO reported 54 mortgage applications totaling $5.9 million. The average application was for $109,037, and applicants reported an average income of $75,925. 93% of its applications resulted in an originated loan and 7% were denied. Its largest market was Kansas City, MO-KS (49).
| Mortgage Company & Address | B & L Bank 205 S. 13th St. Lexington, MO 64067 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 |
| Total Number of Mortgage Applications | 54 |
| Total Mortgage Loan Application Amount | $5,888,000 |
| Average Mortgage Loan Application Amount | $109,037 |
| Highest Mortgage Loan Application Amount | $640,000 |
| Average Applicant Income | $75,925 |
| Highest Applicant Income | $406,000 |
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Act (HMDA) records B & L Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, Missouri | 41 | $ 3,889,000 | $ 94,853 | $ 81,000 |
| Jackson, Missouri | 5 | $ 1,599,000 | $ 319,800 | $ 89,000 |
| Johnson, Missouri | 3 | $ 99,000 | $ 33,000 | $ 29,000 |
| Ray, Missouri | 3 | $ 116,000 | $ 38,666 | $ 28,000 |
| Benton, Missouri | 2 | $ 185,000 | $ 92,500 | $ 78,000 |
Mortgage Loan Application Detail Totals for B & L Bank in 2015
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 | 30 | $3,450,000 | $115,000 | $625,000 | $87,000 | $406,000 |
| Refinancing | 14 | $1,458,000 | $104,000 | $600,000 | $70,000 | $130,000 |
| Home Improvement | 10 | $980,000 | $98,000 | $640,000 | $51,000 | $122,000 |
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 | 48 | $4,188,000 | $87,000 | $625,000 | $82,000 | $406,000 |
| Not applicable | 4 | $1,619,000 | $404,000 | $640,000 | $24,000 | $97,000 |
| Black or African American | 2 | $81,000 | $40,000 | $61,000 | $35,000 | $39,000 |
| 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 |
| Not Provided | 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) | 54 | $5,888,000 | $109,000 | $640,000 | $76,000 | $406,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 50 | $5,744,000 | $114,000 | $640,000 | $80,000 | $406,000 |
| Application Denied By Financial Institution | 4 | $144,000 | $36,000 | $61,000 | $30,000 | $34,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $117,000 | $39,000 | $61,000 | $30,000 | $34,000 |
| Debt-To-Income Ratio | 1 | $27,000 | $27,000 | $27,000 | $32,000 | $32,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into B & L Bank's 2015 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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