Lindell Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, Lindell Bank & Trust Company of Saint Louis, MO reported 149 mortgage applications totaling $16.4 million, down 6% from 2004. The average application was for $109,993, and applicants reported an average income of $58,100. 87% of its applications resulted in an originated loan and 4% were denied. Its largest market was St. Louis, MO-IL (139).
| 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 | 149 |
| Total Mortgage Loan Application Amount | $16,389,000 |
| Average Mortgage Loan Application Amount | $109,993 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $58,100 |
| Highest Applicant Income | $285,000 |
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records Lindell Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 139 | $ 15,206,000 | $ 109,395 | $ 59,000 |
Mortgage Loan Application Detail Totals for Lindell Bank & Trust Company in 2005
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 | 80 | $7,636,000 | $95,000 | $822,000 | $52,000 | $285,000 |
| Home Purchase | 66 | $8,554,000 | $137,666 | $990,000 | $51,000 | $192,000 |
| Home Improvement | 3 | $199,000 | $66,000 | $160,000 | $62,000 | $130,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 67 | $7,198,000 | $107,000 | $990,000 | $0 | $0 |
| White | 65 | $7,916,000 | $134,000 | $822,000 | $59,333 | $285,000 |
| Black or African American | 12 | $938,000 | $107,000 | $142,000 | $26,000 | $121,000 |
| Hispanic | 3 | $209,000 | $69,000 | $105,000 | $114,000 | $130,000 |
| Not Provided | 2 | $128,000 | $64,000 | $108,000 | $62,000 | $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) | 149 | $16,389,000 | $130,666 | $990,000 | $47,666 | $285,000 |
| 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 | 130 | $13,375,000 | $102,000 | $990,000 | $66,000 | $285,000 |
| Application Withdrawn By Applicant | 9 | $1,755,000 | $185,000 | $822,000 | $56,333 | $192,000 |
| Application Denied By Financial Institution | 6 | $653,000 | $108,000 | $255,000 | $39,000 | $78,000 |
| File Closed For Incompleteness | 3 | $433,000 | $144,000 | $196,000 | $19,000 | $46,000 |
| Application Approved But Not Accepted | 1 | $173,000 | $173,000 | $173,000 | $38,000 | $38,000 |
| 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 | 3 | $211,000 | $70,000 | $135,000 | $22,000 | $43,000 |
| Debt-To-Income Ratio | 2 | $335,000 | $167,000 | $255,000 | $45,000 | $46,000 |
| Collateral | 1 | $107,000 | $107,000 | $107,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lindell Bank & Trust Company's 2005 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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