Missouri State Bank & Trust Co Mortgage Lending & HMDA Data, 2005
In 2005, Missouri State Bank & Trust Co of St. Louis, MO reported 277 mortgage applications totaling $72.3 million, up 26% from 2004. The average application was for $260,902, and applicants reported an average income of $107,740. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (239), Chicago-Naperville-Joliet, IL (1) and Columbia, MO (1) (applications in parentheses).
| Mortgage Company & Address | Missouri State Bank & Trust Co 3701 So. Lindbergh Blvd. St. Louis, MO 63127 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 277 |
| Total Mortgage Loan Application Amount | $72,270,000 |
| Average Mortgage Loan Application Amount | $260,902 |
| Highest Mortgage Loan Application Amount | $4,800,000 |
| Average Applicant Income | $107,740 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Missouri State Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Missouri State Bank & Trust Co 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 152 | $38,904,000 | $370,750 | $4,800,000 | $101,750 | $815,000 |
| Refinancing | 104 | $29,084,000 | $203,500 | $1,902,000 | $85,500 | $1,000,000 |
| Home Improvement | 21 | $4,282,000 | $113,000 | $1,200,000 | $25,666 | $326,000 |
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 | 207 | $46,964,000 | $344,666 | $1,500,000 | $217,666 | $1,000,000 |
| Not applicable | 55 | $21,740,000 | $318,500 | $4,800,000 | $0 | $0 |
| Black or African American | 7 | $1,337,000 | $191,000 | $745,000 | $67,000 | $235,000 |
| Hispanic | 3 | $339,000 | $113,000 | $166,000 | $37,000 | $41,000 |
| Asian | 3 | $225,000 | $75,000 | $140,000 | $61,000 | $96,000 |
| Not Provided | 2 | $1,665,000 | $832,000 | $1,500,000 | $335,000 | $613,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 277 | $72,270,000 | $319,250 | $4,800,000 | $79,000 | $1,000,000 |
| 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 | 221 | $49,202,000 | $300,500 | $1,907,000 | $36,000 | $815,000 |
| Application Approved But Not Accepted | 23 | $11,881,000 | $516,000 | $4,800,000 | $137,000 | $613,000 |
| Application Withdrawn By Applicant | 18 | $7,258,000 | $522,000 | $1,500,000 | $282,000 | $1,000,000 |
| Application Denied By Financial Institution | 15 | $3,929,000 | $245,500 | $1,500,000 | $104,000 | $275,000 |
| File Closed For Incompleteness | 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 | $2,060,000 | $350,000 | $1,500,000 | $144,000 | $275,000 |
| Debt-To-Income Ratio | 6 | $1,671,000 | $202,000 | $800,000 | $69,000 | $133,000 |
| Collateral | 1 | $103,000 | $103,000 | $103,000 | $40,000 | $40,000 |
| Other | 1 | $90,000 | $90,000 | $90,000 | $143,000 | $143,000 |
| 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 Missouri State Bank & Trust Co'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 Missouri State Bank & Trust Co'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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