B & L Bank Mortgage Lending & HMDA Data, 2011
In 2011, B & L Bank of Lexington, MO reported 73 mortgage applications totaling $5.9 million. The average application was for $81,452, and applicants reported an average income of $59,082. 79% of its applications resulted in an originated loan and 16% were denied. Its largest market was Kansas City, MO-KS (68).
| 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 | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 73 |
| Total Mortgage Loan Application Amount | $5,946,000 |
| Average Mortgage Loan Application Amount | $81,452 |
| Highest Mortgage Loan Application Amount | $310,000 |
| Average Applicant Income | $59,082 |
| Highest Applicant Income | $200,000 |
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Act (HMDA) records B & L Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 45 | $3,858,000 | $85,000 | $310,000 | $61,000 | $200,000 |
| Refinancing | 21 | $1,908,000 | $90,000 | $238,000 | $64,000 | $131,000 |
| Home Improvement | 7 | $180,000 | $25,000 | $50,000 | $32,000 | $60,000 |
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 | 65 | $5,251,000 | $80,000 | $310,000 | $62,000 | $200,000 |
| Not applicable | 3 | $173,000 | $57,000 | $140,000 | $0 | $0 |
| Black or African American | 3 | $219,000 | $73,000 | $95,000 | $45,000 | $65,000 |
| Hispanic | 2 | $303,000 | $151,000 | $243,000 | $61,000 | $96,000 |
| 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) | 73 | $5,946,000 | $81,000 | $310,000 | $59,000 | $200,000 |
| 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 | 58 | $4,752,000 | $81,000 | $310,000 | $63,000 | $200,000 |
| Application Denied By Financial Institution | 12 | $1,095,000 | $91,000 | $225,000 | $41,000 | $69,000 |
| Application Withdrawn By Applicant | 2 | $67,000 | $33,000 | $42,000 | $67,000 | $73,000 |
| Application Approved But Not Accepted | 1 | $32,000 | $32,000 | $32,000 | $31,000 | $31,000 |
| File Closed For Incompleteness | 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 | 9 | $979,000 | $108,000 | $225,000 | $44,000 | $66,000 |
| Debt-To-Income Ratio | 1 | $50,000 | $50,000 | $50,000 | $15,000 | $15,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $14,000 | $14,000 |
| Collateral | 1 | $16,000 | $16,000 | $16,000 | $69,000 | $69,000 |
| Credit Application Incomplete | 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 2011 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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