Central Bank Of St. Louis
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Central Bank Of St. Louis 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Central Bank Of St. Louis 12218 Manchest Rd. St. Louis, MO 63131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 1,832 |
| Total Mortgage Loan Application Amount | $351,447,000 |
| Average Mortgage Loan Application Amount | $164,333 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $1,788,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Central Bank Of St. Louis. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Central Bank Of St. Louis's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Central Bank Of St. Louis's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Central Bank Of St. Louis serves its applicants.
Each category highlights the total number of mortgage applications processed by Central Bank Of St. Louis, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Central Bank Of St. Louis's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 794 | $ 158,722,000 | $ 199,000 | $ 114,000 |
| St. Charles County Missouri | 418 | $ 77,490,000 | $ 185,000 | $ 104,000 |
| St. Louis City County Missouri | 197 | $ 29,169,000 | $ 148,000 | $ 79,000 |
| St. Clair County Illinois | 67 | $ 10,929,000 | $ 163,000 | $ 88,000 |
| Jefferson County Missouri | 65 | $ 11,743,000 | $ 180,000 | $ 82,000 |
| Madison County Illinois | 64 | $ 7,575,000 | $ 118,000 | $ 71,000 |
| Lincoln County Missouri | 47 | $ 6,739,000 | $ 143,000 | $ 34,000 |
| Warren County Missouri | 22 | $ 4,081,000 | $ 185,000 | $ 146,000 |
| Franklin County Missouri | 17 | $ 3,445,000 | $ 202,000 | $ 91,000 |
| Jersey County Illinois | 14 | $ 1,747,000 | $ 124,000 | $ 70,000 |
| Monroe County Illinois | 13 | $ 2,610,000 | $ 200,000 | $ 79,000 |
| Camden County Missouri | 11 | $ 1,634,000 | $ 148,000 | $ 151,000 |
| Macoupin County Illinois | 5 | $ 755,000 | $ 151,000 | $ 140,000 |
| Boone County Missouri | 5 | $ 953,000 | $ 190,000 | $ 121,000 |
| Jackson County Missouri | 5 | $ 1,049,000 | $ 209,000 | $ 51,000 |
| Cook County Illinois | 4 | $ 1,428,000 | $ 357,000 | $ 227,000 |
| Oklahoma County Oklahoma | 4 | $ 602,000 | $ 150,000 | $ 124,000 |
| Johnson County Kansas | 3 | $ 572,000 | $ 190,000 | $ 63,000 |
| Cole County Missouri | 3 | $ 527,000 | $ 175,000 | $ 206,000 |
| Jefferson County Alabama | 2 | $ 555,000 | $ 277,000 | $ 304,000 |
| Broward County Florida | 2 | $ 385,000 | $ 192,000 | $ 205,000 |
| Collier County Florida | 2 | $ 336,000 | $ 168,000 | $ 176,000 |
| Walton County Florida | 2 | $ 450,000 | $ 225,000 | $ 234,000 |
| Calhoun County Illinois | 2 | $ 186,000 | $ 93,000 | $ 47,000 |
| Champaign County Illinois | 2 | $ 229,000 | $ 114,000 | $ 69,000 |
| Clinton County Illinois | 2 | $ 260,000 | $ 130,000 | $ 72,000 |
| Essex County Massachusetts | 2 | $ 824,000 | $ 412,000 | $ 175,000 |
| Cape Girardeau County Missouri | 2 | $ 14,500,000 | $ 7,250,000 | $ 0 |
| Clay County Missouri | 2 | $ 559,000 | $ 279,000 | $ 382,000 |
| Crawford County Missouri | 2 | $ 205,000 | $ 102,000 | $ 82,000 |
| Morgan County Missouri | 2 | $ 397,000 | $ 198,000 | $ 88,000 |
| Ste. Genevieve County Missouri | 2 | $ 307,000 | $ 153,000 | $ 118,000 |
| Stone County Missouri | 2 | $ 229,000 | $ 114,000 | $ 101,000 |
| Allegheny County Pennsylvania | 2 | $ 702,000 | $ 351,000 | $ 103,000 |
| Maricopa County Arizona | 1 | $ 353,000 | $ 353,000 | $ 324,000 |
| Greene County Arkansas | 1 | $ 178,000 | $ 178,000 | $ 101,000 |
| Pulaski County Arkansas | 1 | $ 230,000 | $ 230,000 | $ 151,000 |
| Stanislaus County California | 1 | $ 338,000 | $ 338,000 | $ 94,000 |
| Arapahoe County Colorado | 1 | $ 206,000 | $ 206,000 | $ 91,000 |
| El Paso County Colorado | 1 | $ 211,000 | $ 211,000 | $ 91,000 |
| Brevard County Florida | 1 | $ 42,000 | $ 42,000 | $ 73,000 |
| Lee County Florida | 1 | $ 289,000 | $ 289,000 | $ 390,000 |
| Miami-Dade County Florida | 1 | $ 382,000 | $ 382,000 | $ 150,000 |
| Nassau County Florida | 1 | $ 490,000 | $ 490,000 | $ 769,000 |
| Sumter County Florida | 1 | $ 183,000 | $ 183,000 | $ 71,000 |
| Lowndes County Georgia | 1 | $ 168,000 | $ 168,000 | $ 63,000 |
| Coles County Illinois | 1 | $ 68,000 | $ 68,000 | $ 81,000 |
| DuPage County Illinois | 1 | $ 372,000 | $ 372,000 | $ 165,000 |
| Montgomery County Illinois | 1 | $ 87,000 | $ 87,000 | $ 49,000 |
| Perry County Illinois | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Washington County Illinois | 1 | $ 144,000 | $ 144,000 | $ 52,000 |
| Douglas County Kansas | 1 | $ 53,000 | $ 53,000 | $ 140,000 |
| Miami County Kansas | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Sedgwick County Kansas | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
| Allegan County Michigan | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Leelanau County Michigan | 1 | $ 302,000 | $ 302,000 | $ 266,000 |
| Oakland County Michigan | 1 | $ 104,000 | $ 104,000 | $ 85,000 |
| DeSoto County Mississippi | 1 | $ 154,000 | $ 154,000 | $ 129,000 |
| Cass County Missouri | 1 | $ 125,000 | $ 125,000 | $ 145,000 |
| Dallas County Missouri | 1 | $ 101,000 | $ 101,000 | $ 50,000 |
| Johnson County Missouri | 1 | $ 892,000 | $ 892,000 | $ 0 |
| Perry County Missouri | 1 | $ 220,000 | $ 220,000 | $ 102,000 |
| Pike County Missouri | 1 | $ 130,000 | $ 130,000 | $ 31,000 |
| Platte County Missouri | 1 | $ 299,000 | $ 299,000 | $ 170,000 |
| Ralls County Missouri | 1 | $ 166,000 | $ 166,000 | $ 232,000 |
| Washington County Missouri | 1 | $ 197,000 | $ 197,000 | $ 323,000 |
| Catawba County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 140,000 |
| Onslow County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 41,000 |
| Summit County Ohio | 1 | $ 350,000 | $ 350,000 | $ 246,000 |
| Multnomah County Oregon | 1 | $ 152,000 | $ 152,000 | $ 145,000 |
| Dauphin County Pennsylvania | 1 | $ 329,000 | $ 329,000 | $ 71,000 |
| York County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 163,000 |
| Sevier County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 80,000 |
| Shelby County Tennessee | 1 | $ 344,000 | $ 344,000 | $ 549,000 |
| Bell County Texas | 1 | $ 118,000 | $ 118,000 | $ 49,000 |
| Brazos County Texas | 1 | $ 112,000 | $ 112,000 | $ 273,000 |
| Nueces County Texas | 1 | $ 235,000 | $ 235,000 | $ 133,000 |
| Loudoun County Virginia | 1 | $ 385,000 | $ 385,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Central Bank Of St. Louis 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 | 1,132 | $221,069,000 | $195,000 | $13,000,000 | $100,000 | $683,000 |
| Refinancing | 630 | $123,101,000 | $195,000 | $1,863,000 | $117,000 | $1,788,000 |
| Home Improvement | 70 | $7,277,000 | $103,000 | $1,500,000 | $51,000 | $647,000 |
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 | 1,446 | $280,820,000 | $194,000 | $1,863,000 | $113,000 | $1,788,000 |
| Not applicable | 126 | $25,200,000 | $200,000 | $13,000,000 | $0 | $0 |
| Black or African American | 126 | $19,445,000 | $154,000 | $1,088,000 | $83,000 | $471,000 |
| Hispanic | 46 | $7,867,000 | $171,000 | $416,000 | $124,000 | $476,000 |
| Not Provided | 45 | $7,728,000 | $171,000 | $520,000 | $82,000 | $223,000 |
| Asian | 39 | $9,745,000 | $249,000 | $736,000 | $150,000 | $527,000 |
| American Indian or Alaskan Native | 4 | $642,000 | $160,000 | $243,000 | $93,000 | $160,000 |
| 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) | 1,451 | $291,495,000 | $200,000 | $13,000,000 | $114,000 | $1,788,000 |
| FHA-insured (Federal Housing Administration) | 289 | $41,113,000 | $142,000 | $385,000 | $62,000 | $683,000 |
| VA-guaranteed (Veterans Administration) | 67 | $15,193,000 | $226,000 | $589,000 | $84,000 | $277,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $3,646,000 | $145,000 | $246,000 | $53,000 | $116,000 |
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 | 1,532 | $297,866,000 | $194,000 | $13,000,000 | $103,000 | $1,788,000 |
| Application Denied By Financial Institution | 112 | $18,496,000 | $165,000 | $1,392,000 | $86,000 | $540,000 |
| Application Withdrawn By Applicant | 104 | $17,628,000 | $169,000 | $700,000 | $108,000 | $515,000 |
| Application Approved But Not Accepted | 78 | $16,529,000 | $211,000 | $1,088,000 | $123,000 | $769,000 |
| File Closed For Incompleteness | 6 | $928,000 | $154,000 | $417,000 | $141,000 | $514,000 |
| 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 | 34 | $5,246,000 | $154,000 | $600,000 | $95,000 | $540,000 |
| Debt-To-Income Ratio | 22 | $4,922,000 | $223,000 | $1,392,000 | $59,000 | $146,000 |
| Collateral | 21 | $2,890,000 | $137,000 | $358,000 | $100,000 | $476,000 |
| Other | 10 | $1,353,000 | $135,000 | $382,000 | $64,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,369,000 | $152,000 | $316,000 | $68,000 | $106,000 |
| Credit Application Incomplete | 7 | $1,371,000 | $195,000 | $351,000 | $130,000 | $284,000 |
| Unverifiable Information | 4 | $527,000 | $131,000 | $206,000 | $70,000 | $108,000 |
| Employment History | 2 | $352,000 | $176,000 | $262,000 | $66,000 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank Of St. Louis'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 Central Bank Of St. Louis'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.