Lindell Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Lindell Bank & Trust Company of Saint Louis, MO reported 158 mortgage applications totaling $19.8 million, up 14% from 2003. The average application was for $125,107, and applicants reported an average income of $73,107. 87% of its applications resulted in an originated loan and 6% were denied. Its largest market was St. Louis, MO-IL (155).
| Mortgage Company & Address | Lindell Bank & Trust Company 6900 Clayton Avenue Saint Louis, MO 63139 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 | 158 |
| Total Mortgage Loan Application Amount | $19,767,000 |
| Average Mortgage Loan Application Amount | $125,107 |
| Highest Mortgage Loan Application Amount | $2,514,000 |
| Average Applicant Income | $73,107 |
| Highest Applicant Income | $709,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lindell Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 155 | $ 19,318,000 | $ 124,632 | $ 72,000 |
Mortgage Loan Application Detail Totals for Lindell Bank & Trust Company in 2004
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 | 94 | $9,601,000 | $102,000 | $934,000 | $57,000 | $300,000 |
| Home Purchase | 59 | $9,322,000 | $156,000 | $2,514,000 | $97,000 | $709,000 |
| Home Improvement | 5 | $844,000 | $168,000 | $500,000 | $28,000 | $53,000 |
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 | 75 | $10,268,000 | $142,000 | $934,000 | $104,500 | $709,000 |
| Not applicable | 70 | $8,464,000 | $120,000 | $2,514,000 | $1,000 | $105,000 |
| Black or African American | 7 | $267,000 | $38,000 | $104,000 | $32,000 | $40,000 |
| Not Provided | 4 | $513,000 | $138,500 | $190,000 | $80,000 | $104,000 |
| Hispanic | 2 | $255,000 | $127,000 | $172,000 | $81,000 | $82,000 |
| 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 |
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) | 158 | $19,767,000 | $139,000 | $2,514,000 | $80,500 | $709,000 |
| 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 | 137 | $16,635,000 | $121,000 | $2,514,000 | $55,000 | $419,000 |
| Application Denied By Financial Institution | 9 | $1,154,000 | $128,000 | $417,000 | $44,000 | $104,000 |
| Application Withdrawn By Applicant | 8 | $1,353,000 | $165,000 | $334,000 | $124,000 | $709,000 |
| File Closed For Incompleteness | 4 | $625,000 | $153,500 | $232,000 | $84,500 | $100,000 |
| Application Approved But Not Accepted | 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 | 6 | $903,000 | $150,000 | $417,000 | $49,000 | $104,000 |
| Debt-To-Income Ratio | 3 | $251,000 | $83,000 | $117,000 | $36,000 | $56,000 |
| Employment History | 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lindell Bank & Trust Company's 2004 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 Lindell Bank & Trust Company'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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