Carrollton Bank Mortgage Lending & HMDA Data, 2021

In 2021, Carrollton Bank of Saint Louis, MO reported 4,473 mortgage applications totaling $987.0 million, down 8% from 2020. The average application was for $220,649, and applicants reported an average income of $137,922. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (3,878), Springfield, IL (174) and Bloomington, IL (18) (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 4,473
Total Mortgage Loan Application Amount $986,965,000
Average Mortgage Loan Application Amount $220,649
Highest Mortgage Loan Application Amount $11,135,000
Average Applicant Income $137,922
Highest Applicant Income $5,964,000

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Act (HMDA) records Carrollton Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

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 1,332 $ 326,370,000 $ 245,022 $ 159,000
Madison, Illinois 744 $ 127,960,000 $ 171,989 $ 94,000
St. Charles, Missouri 489 $ 121,395,000 $ 248,251 $ 131,000
St. Clair, Illinois 423 $ 97,015,000 $ 229,349 $ 121,000
St. Louis City, Missouri 413 $ 71,635,000 $ 173,450 $ 122,000
Sangamon, Illinois 172 $ 35,690,000 $ 207,500 $ 133,000
Jersey, Illinois 165 $ 25,675,000 $ 155,606 $ 89,000
Jefferson, Missouri 123 $ 28,065,000 $ 228,170 $ 103,000
Greene, Illinois 88 $ 8,680,000 $ 98,636 $ 78,000
Macoupin, Illinois 66 $ 9,940,000 $ 150,606 $ 87,000
Lincoln, Missouri 32 $ 7,570,000 $ 236,562 $ 152,000
Monroe, Illinois 28 $ 7,540,000 $ 269,285 $ 127,000
Camden, Missouri 27 $ 6,205,000 $ 229,814 $ 206,000
Warren, Missouri 26 $ 6,480,000 $ 249,230 $ 156,000
Franklin, Missouri 24 $ 7,130,000 $ 297,083 $ 130,000
McLean, Illinois 18 $ 3,580,000 $ 198,888 $ 159,000
Logan, Illinois 14 $ 1,250,000 $ 89,285 $ 72,000
Maricopa, Arizona 12 $ 8,440,000 $ 703,333 $ 1,299,000
Lee, Florida 11 $ 5,145,000 $ 467,727 $ 505,000
Montgomery, Illinois 10 $ 1,970,000 $ 197,000 $ 207,000
Morgan, Illinois 8 $ 810,000 $ 101,250 $ 104,000
Washington, Illinois 8 $ 1,240,000 $ 155,000 $ 91,000
Clinton, Illinois 7 $ 2,805,000 $ 400,714 $ 185,000
Collier, Florida 6 $ 6,590,000 $ 1,098,333 $ 364,000
Sarasota, Florida 6 $ 2,420,000 $ 403,333 $ 549,000
Jackson, Missouri 6 $ 1,820,000 $ 303,333 $ 177,000
Calhoun, Illinois 5 $ 455,000 $ 91,000 $ 79,000
Cook, Illinois 5 $ 1,705,000 $ 341,000 $ 203,000
Boone, Missouri 5 $ 2,555,000 $ 511,000 $ 103,000
Hillsborough, Florida 4 $ 1,380,000 $ 345,000 $ 266,000
Manatee, Florida 4 $ 1,230,000 $ 307,500 $ 1,227,000
Pinellas, Florida 4 $ 1,950,000 $ 487,500 $ 248,000
Champaign, Illinois 4 $ 1,050,000 $ 262,500 $ 140,000
McHenry, Illinois 4 $ 1,390,000 $ 347,500 $ 194,000
Miller, Missouri 4 $ 760,000 $ 190,000 $ 91,000
St. Francois, Missouri 4 $ 940,000 $ 235,000 $ 63,000
Walton, Florida 3 $ 1,195,000 $ 398,333 $ 418,000
De Witt, Illinois 3 $ 365,000 $ 121,666 $ 82,000
Jackson, Illinois 3 $ 535,000 $ 178,333 $ 153,000
Taney, Missouri 3 $ 445,000 $ 148,333 $ 283,000
Coconino, Arizona 2 $ 1,470,000 $ 735,000 $ 324,000
Merced, California 2 $ 610,000 $ 305,000 $ 178,000
Denver, Colorado 2 $ 650,000 $ 325,000 $ 103,000
El Paso, Colorado 2 $ 970,000 $ 485,000 $ 205,000
Summit, Colorado 2 $ 830,000 $ 415,000 $ 362,000
Broward, Florida 2 $ 560,000 $ 280,000 $ 75,000
Lake, Florida 2 $ 450,000 $ 225,000 $ 155,000
Marion, Florida 2 $ 250,000 $ 125,000 $ 129,000
Palm Beach, Florida 2 $ 390,000 $ 195,000 $ 125,000
Christian, Illinois 2 $ 130,000 $ 65,000 $ 63,000
Marion, Illinois 2 $ 460,000 $ 230,000 $ 253,000
Menard, Illinois 2 $ 330,000 $ 165,000 $ 232,000
Perry, Illinois 2 $ 290,000 $ 145,000 $ 120,000
Randolph, Illinois 2 $ 150,000 $ 75,000 $ 55,000
Rock Island, Illinois 2 $ 130,000 $ 65,000 $ 39,000
Jackson, Indiana 2 $ 300,000 $ 150,000 $ 70,000
Lake, Indiana 2 $ 610,000 $ 305,000 $ 217,000
Johnson, Kansas 2 $ 820,000 $ 410,000 $ 131,000
Jefferson, Kentucky 2 $ 250,000 $ 125,000 $ 16,000
Orleans, Louisiana 2 $ 1,000,000 $ 500,000 $ 248,000
Manistee, Michigan 2 $ 980,000 $ 490,000 $ 88,000
Clay, Missouri 2 $ 580,000 $ 290,000 $ 172,000
Crawford, Missouri 2 $ 390,000 $ 195,000 $ 365,000
Montgomery, Missouri 2 $ 260,000 $ 130,000 $ 153,000
Ozark, Missouri 2 $ 190,000 $ 95,000 $ 169,000
Phelps, Missouri 2 $ 360,000 $ 180,000 $ 123,000
Platte, Missouri 2 $ 870,000 $ 435,000 $ 134,000
Stone, Missouri 2 $ 380,000 $ 190,000 $ 149,000
Morris, New Jersey 2 $ 610,000 $ 305,000 $ 101,000
Multnomah, Oregon 2 $ 450,000 $ 225,000 $ 147,000
Philadelphia, Pennsylvania 2 $ 160,000 $ 80,000 $ 115,000
Spartanburg, South Carolina 2 $ 610,000 $ 305,000 $ 114,000
Bradley, Tennessee 2 $ 560,000 $ 280,000 $ 96,000
Montgomery, Alabama 1 $ 65,000 $ 65,000 $ 75,000
Baxter, Arkansas 1 $ 215,000 $ 215,000 $ 182,000
Pope, Arkansas 1 $ 365,000 $ 365,000 $ 79,000
Contra Costa, California 1 $ 565,000 $ 565,000 $ 445,000
El Dorado, California 1 $ 535,000 $ 535,000 $ 257,000
Orange, California 1 $ 425,000 $ 425,000 $ 189,000
Riverside, California 1 $ 195,000 $ 195,000 $ 306,000
San Diego, California 1 $ 365,000 $ 365,000 $ 106,000
Arapahoe, Colorado 1 $ 255,000 $ 255,000 $ 51,000
Jefferson, Colorado 1 $ 535,000 $ 535,000 $ 161,000
Routt, Colorado 1 $ 345,000 $ 345,000 $ 0
Fairfield, Connecticut 1 $ 175,000 $ 175,000 $ 45,000
Bay, Florida 1 $ 275,000 $ 275,000 $ 58,000
Brevard, Florida 1 $ 165,000 $ 165,000 $ 275,000
Duval, Florida 1 $ 215,000 $ 215,000 $ 86,000
Flagler, Florida 1 $ 295,000 $ 295,000 $ 164,000
Indian River, Florida 1 $ 205,000 $ 205,000 $ 105,000
Miami-Dade, Florida 1 $ 195,000 $ 195,000 $ 1,460,000
Osceola, Florida 1 $ 515,000 $ 515,000 $ 158,000
Pasco, Florida 1 $ 165,000 $ 165,000 $ 219,000
St. Lucie, Florida 1 $ 205,000 $ 205,000 $ 42,000
Sumter, Florida 1 $ 155,000 $ 155,000 $ 152,000
Volusia, Florida 1 $ 205,000 $ 205,000 $ 128,000
Baldwin, Georgia 1 $ 305,000 $ 305,000 $ 280,000
Fulton, Georgia 1 $ 125,000 $ 125,000 $ 192,000
Gilmer, Georgia 1 $ 405,000 $ 405,000 $ 330,000
Greene, Georgia 1 $ 2,005,000 $ 2,005,000 $ 375,000
Jackson, Georgia 1 $ 245,000 $ 245,000 $ 105,000
Richmond, Georgia 1 $ 105,000 $ 105,000 $ 192,000
Honolulu, Hawaii 1 $ 205,000 $ 205,000 $ 0
Valley, Idaho 1 $ 465,000 $ 465,000 $ 470,000
Bond, Illinois 1 $ 225,000 $ 225,000 $ 59,000
Clay, Illinois 1 $ 205,000 $ 205,000 $ 355,000
Coles, Illinois 1 $ 245,000 $ 245,000 $ 76,000
Douglas, Illinois 1 $ 205,000 $ 205,000 $ 63,000
DuPage, Illinois 1 $ 15,000 $ 15,000 $ 444,000
Franklin, Illinois 1 $ 345,000 $ 345,000 $ 103,000
Hamilton, Illinois 1 $ 285,000 $ 285,000 $ 311,000
Jefferson, Illinois 1 $ 145,000 $ 145,000 $ 69,000
Johnson, Illinois 1 $ 135,000 $ 135,000 $ 92,000
Macon, Illinois 1 $ 295,000 $ 295,000 $ 0
McDonough, Illinois 1 $ 85,000 $ 85,000 $ 33,000
Peoria, Illinois 1 $ 155,000 $ 155,000 $ 80,000
Williamson, Illinois 1 $ 245,000 $ 245,000 $ 62,000
Woodford, Illinois 1 $ 155,000 $ 155,000 $ 33,000
Bartholomew, Indiana 1 $ 165,000 $ 165,000 $ 55,000
Hamilton, Indiana 1 $ 105,000 $ 105,000 $ 93,000
Madison, Indiana 1 $ 175,000 $ 175,000 $ 92,000
St. Joseph, Indiana 1 $ 335,000 $ 335,000 $ 122,000
Dallas, Iowa 1 $ 375,000 $ 375,000 $ 202,000
Reno, Kansas 1 $ 125,000 $ 125,000 $ 92,000
Henderson, Kentucky 1 $ 125,000 $ 125,000 $ 68,000
Warren, Kentucky 1 $ 335,000 $ 335,000 $ 77,000
Norfolk, Massachusetts 1 $ 485,000 $ 485,000 $ 98,000
Benzie, Michigan 1 $ 665,000 $ 665,000 $ 900,000
Kalamazoo, Michigan 1 $ 255,000 $ 255,000 $ 40,000
Clay, Minnesota 1 $ 165,000 $ 165,000 $ 67,000
Audrain, Missouri 1 $ 95,000 $ 95,000 $ 119,000
Callaway, Missouri 1 $ 125,000 $ 125,000 $ 77,000
Dent, Missouri 1 $ 115,000 $ 115,000 $ 126,000
Greene, Missouri 1 $ 105,000 $ 105,000 $ 33,000
Howard, Missouri 1 $ 355,000 $ 355,000 $ 81,000
Marion, Missouri 1 $ 475,000 $ 475,000 $ 138,000
Morgan, Missouri 1 $ 285,000 $ 285,000 $ 240,000
Perry, Missouri 1 $ 85,000 $ 85,000 $ 38,000
Flathead, Montana 1 $ 1,325,000 $ 1,325,000 $ 1,806,000
Missoula, Montana 1 $ 375,000 $ 375,000 $ 148,000
Douglas, Nebraska 1 $ 515,000 $ 515,000 $ 2,093,000
Gloucester, New Jersey 1 $ 275,000 $ 275,000 $ 106,000
Bernalillo, New Mexico 1 $ 295,000 $ 295,000 $ 122,000
Queens, New York 1 $ 2,235,000 $ 2,235,000 $ 0
Buncombe, North Carolina 1 $ 305,000 $ 305,000 $ 167,000
Guilford, North Carolina 1 $ 335,000 $ 335,000 $ 137,000
New Hanover, North Carolina 1 $ 605,000 $ 605,000 $ 230,000
Union, North Carolina 1 $ 995,000 $ 995,000 $ 708,000
Lucas, Ohio 1 $ 55,000 $ 55,000 $ 60,000
Montgomery, Ohio 1 $ 95,000 $ 95,000 $ 0
Stark, Ohio 1 $ 125,000 $ 125,000 $ 119,000
Garfield, Oklahoma 1 $ 65,000 $ 65,000 $ 148,000
Jackson, Oklahoma 1 $ 255,000 $ 255,000 $ 106,000
Oklahoma, Oklahoma 1 $ 285,000 $ 285,000 $ 66,000
Beaufort, South Carolina 1 $ 275,000 $ 275,000 $ 156,000
Charleston, South Carolina 1 $ 545,000 $ 545,000 $ 132,000
Sumter, South Carolina 1 $ 205,000 $ 205,000 $ 48,000
Davidson, Tennessee 1 $ 375,000 $ 375,000 $ 243,000
Tipton, Tennessee 1 $ 195,000 $ 195,000 $ 43,000
Williamson, Tennessee 1 $ 285,000 $ 285,000 $ 116,000
Comal, Texas 1 $ 875,000 $ 875,000 $ 1,898,000
Hardin, Texas 1 $ 335,000 $ 335,000 $ 193,000
Cache, Utah 1 $ 265,000 $ 265,000 $ 69,000
Okanogan, Washington 1 $ 285,000 $ 285,000 $ 976,000
Pierce, Washington 1 $ 315,000 $ 315,000 $ 0
Milwaukee, Wisconsin 1 $ 125,000 $ 125,000 $ 107,000
Oneida, Wisconsin 1 $ 135,000 $ 135,000 $ 222,000

Mortgage Loan Application Detail Totals for Carrollton Bank 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 2,339 $514,905,000 $220,000 $11,135,000 $133,000 $5,964,000
Refinancing 1,449 $329,315,000 $227,000 $4,855,000 $150,000 $3,243,000
Cash-out Refinancing 618 $130,730,000 $211,000 $1,125,000 $126,000 $1,854,000
Other Purpose 44 $9,540,000 $216,000 $545,000 $152,000 $512,000
Home Improvement 23 $2,475,000 $107,000 $315,000 $171,000 $410,000
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 3,068 $669,260,000 $218,000 $3,005,000 $144,000 $5,964,000
Black or African American 454 $71,810,000 $158,000 $605,000 $90,000 $1,200,000
Not Provided 360 $87,240,000 $242,000 $1,765,000 $156,000 $3,243,000
Not applicable 291 $98,145,000 $337,000 $11,135,000 $114,000 $114,000
Hispanic 150 $24,730,000 $164,000 $655,000 $95,000 $1,831,000
Asian 118 $27,210,000 $230,000 $855,000 $149,000 $1,903,000
American Indian or Alaskan Native 18 $4,080,000 $226,000 $855,000 $106,000 $393,000
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) 3,821 $856,495,000 $224,000 $11,135,000 $148,000 $5,964,000
FHA-insured (Federal Housing Administration) 335 $45,795,000 $136,000 $365,000 $59,000 $232,000
VA-guaranteed (Veterans Administration) 264 $78,060,000 $295,000 $895,000 $107,000 $390,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 53 $6,615,000 $124,000 $275,000 $45,000 $77,000

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 3,661 $810,415,000 $221,000 $11,135,000 $139,000 $5,964,000
Application Withdrawn By Applicant 591 $136,145,000 $230,000 $2,005,000 $145,000 $3,313,000
Application Denied By Financial Institution 198 $36,530,000 $184,000 $1,565,000 $85,000 $456,000
File Closed For Incompleteness 16 $2,770,000 $173,000 $545,000 $116,000 $320,000
Application Approved But Not Accepted 6 $1,030,000 $171,000 $295,000 $245,000 $245,000
Loan Purchased By The Institution 1 $75,000 $75,000 $75,000 $85,000 $85,000
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 4,275 $950,435,000 $222,000 $11,135,000 $140,000 $5,964,000
Credit History 82 $13,590,000 $165,000 $735,000 $97,000 $450,000
Debt-To-Income Ratio 72 $16,540,000 $229,000 $1,565,000 $67,000 $292,000
Collateral 16 $1,970,000 $123,000 $335,000 $84,000 $217,000
Other 15 $2,785,000 $185,000 $505,000 $112,000 $456,000
Employment History 11 $1,455,000 $132,000 $275,000 $72,000 $230,000
Unverifiable Information 1 $95,000 $95,000 $95,000 $59,000 $59,000
Credit Application Incomplete 1 $95,000 $95,000 $95,000 $44,000 $44,000
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 2021 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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