Carrollton Bank Mortgage Lending & HMDA Data, 2020

In 2020, Carrollton Bank of Saint Louis, MO reported 4,873 mortgage applications totaling $993.1 million, up 65% from 2019. The average application was for $203,799, and applicants reported an average income of $166,299. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (4,196), Springfield, IL (217) and Bloomington, IL (40) (applications in parentheses).

Mortgage Company & Address Carrollton Bank

Saint Louis, MO 63132
Tel #: available with data download
Federal Regulator * available with data download
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 4,873
Total Mortgage Loan Application Amount $993,115,000
Average Mortgage Loan Application Amount $203,799
Highest Mortgage Loan Application Amount $2,315,000
Average Applicant Income $166,299
Highest Applicant Income $6,709,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Carrollton Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Carrollton Bank by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
St. Louis, Missouri 1,504 $ 348,730,000 $ 231,868 $ 190,000
Madison, Illinois 800 $ 133,120,000 $ 166,400 $ 99,000
St. Charles, Missouri 464 $ 105,480,000 $ 227,327 $ 192,000
St. Clair, Illinois 449 $ 89,825,000 $ 200,055 $ 113,000
St. Louis City, Missouri 414 $ 72,140,000 $ 174,251 $ 107,000
Sangamon, Illinois 209 $ 35,985,000 $ 172,177 $ 138,000
Jefferson, Missouri 170 $ 35,020,000 $ 206,000 $ 460,000
Jersey, Illinois 167 $ 25,125,000 $ 150,449 $ 91,000
Greene, Illinois 70 $ 9,180,000 $ 131,142 $ 89,000
Macoupin, Illinois 67 $ 9,305,000 $ 138,880 $ 101,000
McLean, Illinois 40 $ 7,630,000 $ 190,750 $ 150,000
Monroe, Illinois 40 $ 8,910,000 $ 222,750 $ 111,000
Lincoln, Missouri 36 $ 7,430,000 $ 206,388 $ 151,000
Camden, Missouri 32 $ 7,330,000 $ 229,062 $ 229,000
Warren, Missouri 24 $ 5,740,000 $ 239,166 $ 166,000
Clinton, Illinois 22 $ 4,260,000 $ 193,636 $ 184,000
Franklin, Missouri 22 $ 3,890,000 $ 176,818 $ 90,000
Logan, Illinois 15 $ 1,485,000 $ 99,000 $ 74,000
Maricopa, Arizona 14 $ 5,410,000 $ 386,428 $ 1,061,000
Calhoun, Illinois 11 $ 1,085,000 $ 98,636 $ 56,000
Lee, Florida 9 $ 2,115,000 $ 235,000 $ 417,000
Cook, Illinois 9 $ 2,945,000 $ 327,222 $ 149,000
Hillsborough, Florida 8 $ 2,220,000 $ 277,500 $ 239,000
Menard, Illinois 8 $ 1,180,000 $ 147,500 $ 185,000
Montgomery, Illinois 7 $ 1,105,000 $ 157,857 $ 119,000
Bond, Illinois 6 $ 1,100,000 $ 183,333 $ 112,000
Washington, Illinois 6 $ 1,370,000 $ 228,333 $ 64,000
Stone, Missouri 6 $ 980,000 $ 163,333 $ 191,000
Collier, Florida 5 $ 2,165,000 $ 433,000 $ 653,000
Christian, Illinois 5 $ 715,000 $ 143,000 $ 191,000
Cape Girardeau, Missouri 5 $ 525,000 $ 105,000 $ 86,000
Crawford, Missouri 5 $ 715,000 $ 143,000 $ 115,000
Jackson, Missouri 5 $ 1,605,000 $ 321,000 $ 291,000
Montgomery, Missouri 5 $ 865,000 $ 173,000 $ 674,000
Cuyahoga, Ohio 5 $ 455,000 $ 91,000 $ 115,000
Coles, Illinois 4 $ 570,000 $ 142,500 $ 58,000
DuPage, Illinois 4 $ 2,060,000 $ 515,000 $ 289,000
Morgan, Illinois 4 $ 620,000 $ 155,000 $ 109,000
Boone, Missouri 4 $ 700,000 $ 175,000 $ 114,000
Miller, Missouri 4 $ 1,000,000 $ 250,000 $ 129,000
Snohomish, Washington 4 $ 880,000 $ 220,000 $ 226,000
Bay, Florida 3 $ 1,905,000 $ 635,000 $ 180,000
Duval, Florida 3 $ 635,000 $ 211,666 $ 209,000
Fayette, Illinois 3 $ 295,000 $ 98,333 $ 38,000
Johnson, Illinois 3 $ 515,000 $ 171,666 $ 67,000
Union, Illinois 3 $ 495,000 $ 165,000 $ 60,000
Williamson, Illinois 3 $ 705,000 $ 235,000 $ 254,000
Gasconade, Missouri 3 $ 505,000 $ 168,333 $ 161,000
Morgan, Missouri 3 $ 645,000 $ 215,000 $ 390,000
St. Francois, Missouri 3 $ 735,000 $ 245,000 $ 90,000
Ste. Genevieve, Missouri 3 $ 845,000 $ 281,666 $ 102,000
Coconino, Arizona 2 $ 810,000 $ 405,000 $ 368,000
Benton, Arkansas 2 $ 610,000 $ 305,000 $ 146,000
Douglas, Colorado 2 $ 530,000 $ 265,000 $ 233,000
Jefferson, Colorado 2 $ 480,000 $ 240,000 $ 301,000
Larimer, Colorado 2 $ 580,000 $ 290,000 $ 142,000
Palm Beach, Florida 2 $ 410,000 $ 205,000 $ 282,000
Pasco, Florida 2 $ 440,000 $ 220,000 $ 136,000
Walton, Florida 2 $ 810,000 $ 405,000 $ 451,000
Forsyth, Georgia 2 $ 690,000 $ 345,000 $ 204,000
Gwinnett, Georgia 2 $ 1,590,000 $ 795,000 $ 443,000
Morgan, Georgia 2 $ 670,000 $ 335,000 $ 80,000
Adams, Illinois 2 $ 340,000 $ 170,000 $ 91,000
Champaign, Illinois 2 $ 650,000 $ 325,000 $ 600,000
Randolph, Illinois 2 $ 220,000 $ 110,000 $ 101,000
Scott, Illinois 2 $ 200,000 $ 100,000 $ 42,000
Tazewell, Illinois 2 $ 240,000 $ 120,000 $ 108,000
Story, Iowa 2 $ 370,000 $ 185,000 $ 236,000
Johnson, Kansas 2 $ 470,000 $ 235,000 $ 212,000
Sedgwick, Kansas 2 $ 580,000 $ 290,000 $ 265,000
Trigg, Kentucky 2 $ 430,000 $ 215,000 $ 214,000
Plymouth, Massachusetts 2 $ 700,000 $ 350,000 $ 206,000
Taney, Missouri 2 $ 190,000 $ 95,000 $ 160,000
Warren, Ohio 2 $ 520,000 $ 260,000 $ 149,000
Sumter, South Carolina 2 $ 400,000 $ 200,000 $ 58,000
Madison, Alabama 1 $ 255,000 $ 255,000 $ 109,000
Pima, Arizona 1 $ 215,000 $ 215,000 $ 75,000
Santa Cruz, Arizona 1 $ 295,000 $ 295,000 $ 484,000
Greene, Arkansas 1 $ 165,000 $ 165,000 $ 39,000
Howard, Arkansas 1 $ 85,000 $ 85,000 $ 25,000
Washington, Arkansas 1 $ 205,000 $ 205,000 $ 200,000
Alameda, California 1 $ 295,000 $ 295,000 $ 235,000
Riverside, California 1 $ 675,000 $ 675,000 $ 166,000
San Bernardino, California 1 $ 185,000 $ 185,000 $ 494,000
San Diego, California 1 $ 605,000 $ 605,000 $ 137,000
Sonoma, California 1 $ 535,000 $ 535,000 $ 144,000
Denver, Colorado 1 $ 345,000 $ 345,000 $ 102,000
Eagle, Colorado 1 $ 1,365,000 $ 1,365,000 $ 2,675,000
Broward, Florida 1 $ 215,000 $ 215,000 $ 100,000
Flagler, Florida 1 $ 285,000 $ 285,000 $ 93,000
Franklin, Florida 1 $ 255,000 $ 255,000 $ 154,000
Gulf, Florida 1 $ 365,000 $ 365,000 $ 179,000
Indian River, Florida 1 $ 205,000 $ 205,000 $ 132,000
Lake, Florida 1 $ 295,000 $ 295,000 $ 222,000
Manatee, Florida 1 $ 325,000 $ 325,000 $ 261,000
Marion, Florida 1 $ 325,000 $ 325,000 $ 112,000
Miami-Dade, Florida 1 $ 335,000 $ 335,000 $ 258,000
Okaloosa, Florida 1 $ 195,000 $ 195,000 $ 192,000
Pinellas, Florida 1 $ 415,000 $ 415,000 $ 438,000
Santa Rosa, Florida 1 $ 165,000 $ 165,000 $ 112,000
Sarasota, Florida 1 $ 105,000 $ 105,000 $ 264,000
St. Johns, Florida 1 $ 315,000 $ 315,000 $ 91,000
Fulton, Georgia 1 $ 275,000 $ 275,000 $ 110,000
Bonner, Idaho 1 $ 265,000 $ 265,000 $ 175,000
Kootenai, Idaho 1 $ 295,000 $ 295,000 $ 175,000
Crawford, Illinois 1 $ 75,000 $ 75,000 $ 142,000
Douglas, Illinois 1 $ 185,000 $ 185,000 $ 90,000
Jefferson, Illinois 1 $ 225,000 $ 225,000 $ 170,000
Kane, Illinois 1 $ 505,000 $ 505,000 $ 128,000
Lake, Illinois 1 $ 475,000 $ 475,000 $ 189,000
Macon, Illinois 1 $ 125,000 $ 125,000 $ 70,000
Massac, Illinois 1 $ 85,000 $ 85,000 $ 37,000
Perry, Illinois 1 $ 125,000 $ 125,000 $ 1,251,000
Piatt, Illinois 1 $ 115,000 $ 115,000 $ 39,000
Wabash, Illinois 1 $ 155,000 $ 155,000 $ 0
Franklin, Indiana 1 $ 395,000 $ 395,000 $ 382,000
Hamilton, Indiana 1 $ 425,000 $ 425,000 $ 137,000
Johnson, Iowa 1 $ 255,000 $ 255,000 $ 4,218,000
Polk, Iowa 1 $ 195,000 $ 195,000 $ 75,000
Scott, Iowa 1 $ 105,000 $ 105,000 $ 58,000
Jefferson, Louisiana 1 $ 235,000 $ 235,000 $ 82,000
Orleans, Louisiana 1 $ 515,000 $ 515,000 $ 241,000
Charlevoix, Michigan 1 $ 405,000 $ 405,000 $ 498,000
Clinton, Michigan 1 $ 155,000 $ 155,000 $ 78,000
Huron, Michigan 1 $ 285,000 $ 285,000 $ 156,000
Iosco, Michigan 1 $ 35,000 $ 35,000 $ 87,000
Mackinac, Michigan 1 $ 135,000 $ 135,000 $ 71,000
Macomb, Michigan 1 $ 285,000 $ 285,000 $ 123,000
Olmsted, Minnesota 1 $ 455,000 $ 455,000 $ 220,000
DeSoto, Mississippi 1 $ 95,000 $ 95,000 $ 116,000
Lafayette, Mississippi 1 $ 185,000 $ 185,000 $ 144,000
Audrain, Missouri 1 $ 95,000 $ 95,000 $ 31,000
Bates, Missouri 1 $ 245,000 $ 245,000 $ 122,000
Benton, Missouri 1 $ 175,000 $ 175,000 $ 161,000
Butler, Missouri 1 $ 195,000 $ 195,000 $ 65,000
Callaway, Missouri 1 $ 65,000 $ 65,000 $ 71,000
Chariton, Missouri 1 $ 315,000 $ 315,000 $ 240,000
Greene, Missouri 1 $ 215,000 $ 215,000 $ 47,000
Madison, Missouri 1 $ 345,000 $ 345,000 $ 234,000
Marion, Missouri 1 $ 85,000 $ 85,000 $ 69,000
Ozark, Missouri 1 $ 165,000 $ 165,000 $ 133,000
Perry, Missouri 1 $ 115,000 $ 115,000 $ 56,000
Pettis, Missouri 1 $ 205,000 $ 205,000 $ 59,000
Phelps, Missouri 1 $ 155,000 $ 155,000 $ 75,000
Ripley, Missouri 1 $ 105,000 $ 105,000 $ 150,000
Scott, Missouri 1 $ 195,000 $ 195,000 $ 72,000
Washington, Missouri 1 $ 145,000 $ 145,000 $ 69,000
Missoula, Montana 1 $ 225,000 $ 225,000 $ 229,000
Clark, Nevada 1 $ 445,000 $ 445,000 $ 222,000
Washoe, Nevada 1 $ 515,000 $ 515,000 $ 109,000
Burlington, New Jersey 1 $ 355,000 $ 355,000 $ 0
Monmouth, New Jersey 1 $ 235,000 $ 235,000 $ 3,150,000
Union, New Jersey 1 $ 705,000 $ 705,000 $ 197,000
Nassau, New York 1 $ 955,000 $ 955,000 $ 5,836,000
Buncombe, North Carolina 1 $ 235,000 $ 235,000 $ 0
Wake, North Carolina 1 $ 705,000 $ 705,000 $ 240,000
Clermont, Ohio 1 $ 185,000 $ 185,000 $ 87,000
Delaware, Ohio 1 $ 305,000 $ 305,000 $ 144,000
Hamilton, Ohio 1 $ 285,000 $ 285,000 $ 141,000
Montgomery, Ohio 1 $ 85,000 $ 85,000 $ 72,000
Stark, Ohio 1 $ 95,000 $ 95,000 $ 32,000
Washington, Oregon 1 $ 345,000 $ 345,000 $ 223,000
Yamhill, Oregon 1 $ 115,000 $ 115,000 $ 223,000
Allegheny, Pennsylvania 1 $ 475,000 $ 475,000 $ 276,000
Lawrence, Pennsylvania 1 $ 55,000 $ 55,000 $ 355,000
Mercer, Pennsylvania 1 $ 55,000 $ 55,000 $ 175,000
Philadelphia, Pennsylvania 1 $ 85,000 $ 85,000 $ 200,000
Richland, South Carolina 1 $ 705,000 $ 705,000 $ 2,473,000
Anderson, Tennessee 1 $ 175,000 $ 175,000 $ 205,000
Hamilton, Tennessee 1 $ 405,000 $ 405,000 $ 132,000
Knox, Tennessee 1 $ 165,000 $ 165,000 $ 95,000
Meigs, Tennessee 1 $ 205,000 $ 205,000 $ 177,000
Shelby, Tennessee 1 $ 55,000 $ 55,000 $ 250,000
Bexar, Texas 1 $ 145,000 $ 145,000 $ 125,000
Grayson, Texas 1 $ 45,000 $ 45,000 $ 165,000
Tarrant, Texas 1 $ 285,000 $ 285,000 $ 228,000
Cache, Utah 1 $ 215,000 $ 215,000 $ 80,000
Wasatch, Utah 1 $ 725,000 $ 725,000 $ 0
Albemarle, Virginia 1 $ 195,000 $ 195,000 $ 175,000
Virginia Beach, Virginia 1 $ 205,000 $ 205,000 $ 308,000
King, Washington 1 $ 575,000 $ 575,000 $ 191,000
Teton, Wyoming 1 $ 465,000 $ 465,000 $ 843,000

Mortgage Loan Application Detail Totals for Carrollton Bank in 2020

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 2,246 $417,620,000 $185,000 $2,315,000 $137,000 $5,836,000
Refinancing 2,007 $443,255,000 $220,000 $2,285,000 $200,000 $6,709,000
Cash-out Refinancing 541 $121,185,000 $224,000 $2,005,000 $170,000 $4,048,000
Home Improvement 42 $3,790,000 $90,000 $265,000 $122,000 $410,000
Other Purpose 37 $7,265,000 $196,000 $465,000 $113,000 $392,000
Not Applicable 0 $0 $0 $0 $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 3,537 $747,745,000 $211,000 $2,285,000 $181,000 $6,709,000
Black or African American 413 $59,725,000 $144,000 $1,065,000 $98,000 $5,417,000
Not Provided 360 $73,170,000 $203,000 $955,000 $151,000 $5,836,000
Not applicable 238 $53,830,000 $226,000 $2,315,000 $0 $0
Asian 145 $29,555,000 $203,000 $1,185,000 $153,000 $3,489,000
Hispanic 140 $20,520,000 $146,000 $465,000 $77,000 $427,000
American Indian or Alaskan Native 18 $3,120,000 $173,000 $295,000 $102,000 $359,000
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) 4,285 $895,565,000 $209,000 $2,315,000 $179,000 $6,709,000
FHA-insured (Federal Housing Administration) 328 $37,780,000 $115,000 $425,000 $54,000 $156,000
VA-guaranteed (Veterans Administration) 209 $53,325,000 $255,000 $705,000 $100,000 $336,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $6,445,000 $126,000 $265,000 $67,000 $844,000

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 3,890 $794,500,000 $204,000 $2,285,000 $171,000 $6,709,000
Application Withdrawn By Applicant 705 $149,935,000 $212,000 $2,005,000 $166,000 $3,489,000
Application Denied By Financial Institution 253 $41,935,000 $165,000 $2,315,000 $100,000 $2,220,000
Application Approved But Not Accepted 14 $4,690,000 $335,000 $1,935,000 $135,000 $261,000
File Closed For Incompleteness 10 $1,650,000 $165,000 $285,000 $95,000 $274,000
Loan Purchased By The Institution 1 $405,000 $405,000 $405,000 $167,000 $167,000
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
Not applicable 4,620 $951,180,000 $205,000 $2,285,000 $170,000 $6,709,000
Credit History 120 $18,180,000 $151,000 $745,000 $99,000 $1,392,000
Debt-To-Income Ratio 74 $15,480,000 $209,000 $2,315,000 $70,000 $330,000
Employment History 16 $2,610,000 $163,000 $335,000 $81,000 $258,000
Unverifiable Information 13 $2,355,000 $181,000 $675,000 $109,000 $617,000
Other 11 $1,145,000 $104,000 $305,000 $82,000 $427,000
Collateral 10 $1,070,000 $107,000 $345,000 $90,000 $305,000
Credit Application Incomplete 9 $1,095,000 $121,000 $215,000 $385,000 $2,220,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Carrollton Bank's 2020 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 Carrollton 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.
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