Missouri State Bank & Trust Co Mortgage Lending & HMDA Data, 2004
In 2004, Missouri State Bank & Trust Co of St. Louis, MO reported 220 mortgage applications totaling $51.8 million, up 182% from 2003. The average application was for $235,331, and applicants reported an average income of $88,550. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were St. Louis, MO-IL (195), Phoenix-Mesa-Scottsdale, AZ (2) and Jefferson City, 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 | 220 |
| Total Mortgage Loan Application Amount | $51,773,000 |
| Average Mortgage Loan Application Amount | $235,331 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $88,550 |
| Highest Applicant Income | $2,100,000 |
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records Missouri State Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 111 | $26,232,000 | $238,666 | $1,650,000 | $157,666 | $800,000 |
| Home Purchase | 100 | $24,415,000 | $761,800 | $2,500,000 | $503,200 | $2,100,000 |
| Home Improvement | 9 | $1,126,000 | $125,000 | $289,000 | $24,000 | $120,000 |
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 | 171 | $41,283,000 | $755,400 | $2,500,000 | $566,000 | $2,100,000 |
| Not applicable | 47 | $10,377,000 | $220,333 | $1,650,000 | $0 | $0 |
| Black or African American | 2 | $113,000 | $56,000 | $65,000 | $13,000 | $26,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Not Provided | 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) | 220 | $51,773,000 | $688,166 | $2,500,000 | $464,500 | $2,100,000 |
| 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 | 183 | $43,275,000 | $678,000 | $2,500,000 | $448,833 | $2,100,000 |
| Application Withdrawn By Applicant | 18 | $3,709,000 | $344,000 | $563,000 | $378,500 | $643,000 |
| Application Denied By Financial Institution | 17 | $4,090,000 | $315,000 | $575,000 | $87,000 | $288,000 |
| Application Approved But Not Accepted | 2 | $699,000 | $349,000 | $552,000 | $152,000 | $196,000 |
| 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 | 9 | $2,173,000 | $241,000 | $554,000 | $76,000 | $288,000 |
| Debt-To-Income Ratio | 3 | $779,000 | $259,000 | $575,000 | $69,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $569,000 | $284,500 | $400,000 | $89,500 | $106,000 |
| Other | 2 | $492,000 | $246,000 | $323,000 | $32,000 | $64,000 |
| Unverifiable Information | 1 | $77,000 | $77,000 | $77,000 | $84,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Missouri State Bank & Trust Co'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 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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