Central Bank Of St. Louis
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Central Bank Of St. Louis 2020 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 | 3,003 |
| Total Mortgage Loan Application Amount | $825,055,000 |
| Average Mortgage Loan Application Amount | $220,000 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $147,800 |
| Highest Applicant Income | $4,764,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 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 County Missouri | 1,262 | $ 342,870,000 | $ 271,000 | $ 138,000 |
| St. Charles County Missouri | 547 | $ 137,835,000 | $ 251,000 | $ 115,000 |
| St. Louis City County Missouri | 239 | $ 54,915,000 | $ 229,000 | $ 107,000 |
| Williamson County Tennessee | 181 | $ 73,015,000 | $ 403,000 | $ 157,000 |
| Davidson County Tennessee | 157 | $ 51,435,000 | $ 327,000 | $ 116,000 |
| Jefferson County Missouri | 119 | $ 26,935,000 | $ 226,000 | $ 100,000 |
| Wilson County Tennessee | 82 | $ 29,290,000 | $ 357,000 | $ 131,000 |
| Franklin County Missouri | 43 | $ 12,125,000 | $ 281,000 | $ 112,000 |
| St. Clair County Illinois | 41 | $ 7,595,000 | $ 185,000 | $ 102,000 |
| Maury County Tennessee | 38 | $ 9,320,000 | $ 245,000 | $ 77,000 |
| Lincoln County Missouri | 36 | $ 7,800,000 | $ 216,000 | $ 79,000 |
| Rutherford County Tennessee | 30 | $ 9,810,000 | $ 327,000 | $ 121,000 |
| Monroe County Illinois | 24 | $ 5,670,000 | $ 236,000 | $ 125,000 |
| Warren County Missouri | 19 | $ 4,005,000 | $ 210,000 | $ 96,000 |
| Madison County Illinois | 11 | $ 2,875,000 | $ 261,000 | $ 140,000 |
| Camden County Missouri | 9 | $ 2,235,000 | $ 248,000 | $ 219,000 |
| Johnson County Kansas | 5 | $ 1,145,000 | $ 229,000 | $ 112,000 |
| Stone County Missouri | 5 | $ 1,015,000 | $ 203,000 | $ 180,000 |
| Madison County Alabama | 4 | $ 1,180,000 | $ 295,000 | $ 133,000 |
| Palm Beach County Florida | 4 | $ 1,700,000 | $ 425,000 | $ 231,000 |
| Crawford County Missouri | 4 | $ 650,000 | $ 162,000 | $ 164,000 |
| Maricopa County Arizona | 3 | $ 895,000 | $ 298,000 | $ 163,000 |
| Denver County Colorado | 3 | $ 1,115,000 | $ 371,000 | $ 86,000 |
| Collier County Florida | 3 | $ 1,575,000 | $ 525,000 | $ 282,000 |
| Cook County Illinois | 3 | $ 925,000 | $ 308,000 | $ 138,000 |
| Jackson County Illinois | 3 | $ 725,000 | $ 241,000 | $ 478,000 |
| Jackson County Missouri | 3 | $ 655,000 | $ 218,000 | $ 112,000 |
| Morgan County Missouri | 3 | $ 665,000 | $ 221,000 | $ 163,000 |
| Perry County Missouri | 3 | $ 665,000 | $ 221,000 | $ 122,000 |
| Beaufort County South Carolina | 3 | $ 1,705,000 | $ 568,000 | $ 242,000 |
| Baldwin County Alabama | 2 | $ 550,000 | $ 275,000 | $ 187,000 |
| Limestone County Alabama | 2 | $ 670,000 | $ 335,000 | $ 88,000 |
| Riverside County California | 2 | $ 690,000 | $ 345,000 | $ 77,000 |
| San Bernardino County California | 2 | $ 510,000 | $ 255,000 | $ 93,000 |
| San Diego County California | 2 | $ 1,060,000 | $ 530,000 | $ 201,000 |
| Adams County Colorado | 2 | $ 730,000 | $ 365,000 | $ 94,000 |
| Fairfield County Connecticut | 2 | $ 700,000 | $ 350,000 | $ 487,000 |
| Manatee County Florida | 2 | $ 630,000 | $ 315,000 | $ 231,000 |
| Lake County Illinois | 2 | $ 1,240,000 | $ 620,000 | $ 440,000 |
| Middlesex County Massachusetts | 2 | $ 600,000 | $ 300,000 | $ 279,000 |
| Hennepin County Minnesota | 2 | $ 580,000 | $ 290,000 | $ 139,000 |
| Boone County Missouri | 2 | $ 240,000 | $ 120,000 | $ 68,000 |
| Buchanan County Missouri | 2 | $ 590,000 | $ 295,000 | $ 85,000 |
| Miller County Missouri | 2 | $ 570,000 | $ 285,000 | $ 316,000 |
| Ozark County Missouri | 2 | $ 260,000 | $ 130,000 | $ 102,000 |
| Pike County Missouri | 2 | $ 510,000 | $ 255,000 | $ 129,000 |
| Ste. Genevieve County Missouri | 2 | $ 350,000 | $ 175,000 | $ 221,000 |
| Clark County Nevada | 2 | $ 410,000 | $ 205,000 | $ 79,000 |
| Henderson County North Carolina | 2 | $ 430,000 | $ 215,000 | $ 123,000 |
| Oconee County South Carolina | 2 | $ 560,000 | $ 280,000 | $ 179,000 |
| Fort Bend County Texas | 2 | $ 720,000 | $ 360,000 | $ 140,000 |
| Harris County Texas | 2 | $ 850,000 | $ 425,000 | $ 198,000 |
| Wasatch County Utah | 2 | $ 770,000 | $ 385,000 | $ 171,000 |
| Baxter County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 199,000 |
| Garland County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Poinsett County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| San Francisco County California | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Ventura County California | 1 | $ 405,000 | $ 405,000 | $ 121,000 |
| Arapahoe County Colorado | 1 | $ 535,000 | $ 535,000 | $ 241,000 |
| El Paso County Colorado | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Jefferson County Colorado | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Summit County Colorado | 1 | $ 575,000 | $ 575,000 | $ 149,000 |
| Charlotte County Florida | 1 | $ 275,000 | $ 275,000 | $ 244,000 |
| Osceola County Florida | 1 | $ 215,000 | $ 215,000 | $ 275,000 |
| Santa Rosa County Florida | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Sarasota County Florida | 1 | $ 145,000 | $ 145,000 | $ 152,000 |
| St. Lucie County Florida | 1 | $ 395,000 | $ 395,000 | $ 850,000 |
| Volusia County Florida | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Walton County Florida | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Cobb County Georgia | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Fulton County Georgia | 1 | $ 405,000 | $ 405,000 | $ 73,000 |
| Gwinnett County Georgia | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Morgan County Georgia | 1 | $ 335,000 | $ 335,000 | $ 79,000 |
| Clinton County Illinois | 1 | $ 225,000 | $ 225,000 | $ 227,000 |
| Cumberland County Illinois | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Macoupin County Illinois | 1 | $ 155,000 | $ 155,000 | $ 169,000 |
| Montgomery County Illinois | 1 | $ 395,000 | $ 395,000 | $ 544,000 |
| Union County Illinois | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Hendricks County Indiana | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Monroe County Indiana | 1 | $ 95,000 | $ 95,000 | $ 379,000 |
| Wells County Indiana | 1 | $ 205,000 | $ 205,000 | $ 200,000 |
| Tama County Iowa | 1 | $ 175,000 | $ 175,000 | $ 176,000 |
| Fayette County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 465,000 | $ 465,000 | $ 101,000 |
| Genesee County Michigan | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| Hillsdale County Michigan | 1 | $ 435,000 | $ 435,000 | $ 315,000 |
| St. Louis County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Lafayette County Mississippi | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Barry County Missouri | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Benton County Missouri | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Callaway County Missouri | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Cape Girardeau County Missouri | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Cole County Missouri | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Gasconade County Missouri | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Howard County Missouri | 1 | $ 285,000 | $ 285,000 | $ 174,000 |
| Howell County Missouri | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Lafayette County Missouri | 1 | $ 145,000 | $ 145,000 | $ 164,000 |
| Phelps County Missouri | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Pulaski County Missouri | 1 | $ 135,000 | $ 135,000 | $ 238,000 |
| Ralls County Missouri | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Stoddard County Missouri | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Washington County Missouri | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Buffalo County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Santa Fe County New Mexico | 1 | $ 385,000 | $ 385,000 | $ 169,000 |
| Alamance County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| Guilford County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Haywood County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Wake County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Greenwood County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| York County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Cheatham County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Dickson County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 170,000 |
| Hardin County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Marshall County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 124,000 |
| McNairy County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Shelby County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Sumner County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 294,000 |
| Tarrant County Texas | 1 | $ 405,000 | $ 405,000 | $ 126,000 |
| Giles County Virginia | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Virginia Beach County Virginia | 1 | $ 265,000 | $ 265,000 | $ 162,000 |
| Island County Washington | 1 | $ 645,000 | $ 645,000 | $ 0 |
| King County Washington | 1 | $ 655,000 | $ 655,000 | $ 154,000 |
| Milwaukee County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 750,000 |
Mortgage Loan Application Detail Totals for Central Bank Of St. Louis 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,393 | $355,075,000 | $254,000 | $1,005,000 | $130,000 | $988,000 |
| Home Purchase | 1,380 | $414,080,000 | $300,000 | $2,505,000 | $127,000 | $4,764,000 |
| Cash-out Refinancing | 216 | $53,830,000 | $249,000 | $1,785,000 | $128,000 | $447,000 |
| Other Purpose | 8 | $1,140,000 | $142,000 | $465,000 | $163,000 | $310,000 |
| Home Improvement | 6 | $930,000 | $155,000 | $255,000 | $191,000 | $300,000 |
| 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 | 2,493 | $676,275,000 | $271,000 | $2,375,000 | $128,000 | $4,764,000 |
| Not Provided | 137 | $39,065,000 | $285,000 | $645,000 | $126,000 | $563,000 |
| Black or African American | 136 | $30,340,000 | $223,000 | $705,000 | $101,000 | $480,000 |
| Asian | 104 | $35,490,000 | $341,000 | $655,000 | $158,000 | $988,000 |
| Hispanic | 48 | $13,260,000 | $276,000 | $565,000 | $147,000 | $394,000 |
| Not applicable | 36 | $12,330,000 | $342,000 | $2,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,730,000 | $273,000 | $515,000 | $104,000 | $188,000 |
| 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) | 2,742 | $748,420,000 | $272,000 | $2,505,000 | $132,000 | $4,764,000 |
| FHA-insured (Federal Housing Administration) | 127 | $31,875,000 | $250,000 | $575,000 | $77,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 124 | $42,670,000 | $344,000 | $925,000 | $115,000 | $294,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $2,090,000 | $209,000 | $315,000 | $59,000 | $94,000 |
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 | 2,723 | $736,755,000 | $270,000 | $2,505,000 | $129,000 | $4,764,000 |
| Application Withdrawn By Applicant | 209 | $67,845,000 | $324,000 | $1,255,000 | $138,000 | $988,000 |
| Application Denied By Financial Institution | 59 | $16,335,000 | $276,000 | $615,000 | $88,000 | $294,000 |
| File Closed For Incompleteness | 8 | $2,410,000 | $301,000 | $605,000 | $131,000 | $230,000 |
| Application Approved But Not Accepted | 4 | $1,710,000 | $427,000 | $515,000 | $192,000 | $315,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,944 | $808,720,000 | $274,000 | $2,505,000 | $129,000 | $4,764,000 |
| Debt-To-Income Ratio | 27 | $8,495,000 | $314,000 | $615,000 | $69,000 | $160,000 |
| Employment History | 9 | $2,165,000 | $240,000 | $405,000 | $80,000 | $166,000 |
| Credit History | 9 | $2,435,000 | $270,000 | $575,000 | $101,000 | $294,000 |
| Collateral | 5 | $905,000 | $181,000 | $285,000 | $144,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,100,000 | $275,000 | $445,000 | $108,000 | $194,000 |
| Unverifiable Information | 3 | $485,000 | $161,000 | $245,000 | $63,000 | $93,000 |
| Other | 2 | $750,000 | $375,000 | $535,000 | $167,000 | $241,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank Of St. Louis'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 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.