Lindell Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, Lindell Bank & Trust Company of Saint Louis, MO reported 139 mortgage applications totaling $17.0 million. The average application was for $122,611, and applicants reported an average income of $57,093. 75% of its applications resulted in an originated loan and 15% were denied. Its largest market was St. Louis, MO-IL (129).
| 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 | 139 |
| Total Mortgage Loan Application Amount | $17,043,000 |
| Average Mortgage Loan Application Amount | $122,611 |
| Highest Mortgage Loan Application Amount | $2,090,000 |
| Average Applicant Income | $57,093 |
| Highest Applicant Income | $516,000 |
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records Lindell Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Lindell Bank & Trust Company in 2003
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 (one-to-four family) | 76 | $8,128,000 | $102,000 | $730,000 | $41,333 | $475,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 50 | $6,261,000 | $113,000 | $600,000 | $35,000 | $516,000 |
| Home Improvement (one-to-four family) | 11 | $419,000 | $38,000 | $177,000 | $31,000 | $116,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $2,235,000 | $1,117,000 | $2,090,000 | $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 | 93 | $13,679,000 | $120,666 | $2,090,000 | $40,000 | $516,000 |
| Not applicable | 21 | $1,507,000 | $71,000 | $285,000 | $13,000 | $475,000 |
| Information not provided by applicant in mail or telephone application | 10 | $933,000 | $93,000 | $300,000 | $53,000 | $94,000 |
| Black | 10 | $291,000 | $29,000 | $95,000 | $59,000 | $336,000 |
| Asian or Pacific Islander | 3 | $457,000 | $152,000 | $190,000 | $45,000 | $63,000 |
| Hispanic | 1 | $140,000 | $140,000 | $140,000 | $61,000 | $61,000 |
| Other | 1 | $36,000 | $36,000 | $36,000 | $67,000 | $67,000 |
| American Indian or Alaskan Native | 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) | 139 | $17,043,000 | $111,666 | $2,090,000 | $35,666 | $516,000 |
| 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 | 104 | $13,155,000 | $126,000 | $2,090,000 | $67,000 | $516,000 |
| Application Denied By Financial Institution | 21 | $1,874,000 | $80,500 | $205,000 | $35,500 | $86,000 |
| Application Withdrawn By Applicant | 8 | $893,000 | $109,666 | $236,000 | $11,666 | $26,000 |
| File Closed For Incompleteness | 6 | $1,121,000 | $206,500 | $290,000 | $87,500 | $120,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 11 | $703,000 | $66,000 | $122,000 | $40,000 | $83,000 |
| Debt-To-Income Ratio | 8 | $866,000 | $108,000 | $205,000 | $39,000 | $86,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Other | 1 | $190,000 | $190,000 | $190,000 | $10,000 | $10,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lindell Bank & Trust Company's 2003 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.
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