Montgomery Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Montgomery Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Montgomery Bank P.O. Box 948 Sikeston, MO 63801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,590 |
| Total Mortgage Loan Application Amount | $249,103,000 |
| Average Mortgage Loan Application Amount | $315,250 |
| Highest Mortgage Loan Application Amount | $5,520,000 |
| Average Applicant Income | $39,222 |
| Highest Applicant Income | $709,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Montgomery Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Montgomery Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Montgomery Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Montgomery Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Montgomery Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Montgomery Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 480 | $ 107,314,000 | $ 223,000 | $ 38,000 |
| St. Charles County Missouri | 235 | $ 44,602,000 | $ 189,000 | $ 52,000 |
| Cape Girardeau County Missouri | 150 | $ 18,986,000 | $ 126,000 | $ 57,000 |
| Scott County Missouri | 147 | $ 7,772,000 | $ 52,000 | $ 34,000 |
| St. Louis City County Missouri | 88 | $ 14,095,000 | $ 160,000 | $ 39,000 |
| St. Clair County Illinois | 59 | $ 6,922,000 | $ 117,000 | $ 0 |
| Jefferson County Missouri | 59 | $ 6,693,000 | $ 113,000 | $ 16,000 |
| Boone County Missouri | 41 | $ 6,104,000 | $ 148,000 | $ 32,000 |
| Franklin County Missouri | 36 | $ 6,058,000 | $ 168,000 | $ 25,000 |
| New Madrid County Missouri | 25 | $ 1,656,000 | $ 66,000 | $ 47,000 |
| Madison County Illinois | 19 | $ 701,000 | $ 36,000 | $ 0 |
| St. Francois County Missouri | 18 | $ 515,000 | $ 28,000 | $ 19,000 |
| Monroe County Illinois | 13 | $ 2,105,000 | $ 161,000 | $ 11,000 |
| Stoddard County Missouri | 12 | $ 288,000 | $ 24,000 | $ 29,000 |
| Pemiscot County Missouri | 11 | $ 753,000 | $ 68,000 | $ 62,000 |
| Butler County Missouri | 9 | $ 38,000 | $ 4,000 | $ 0 |
| Mississippi County Missouri | 9 | $ 360,000 | $ 40,000 | $ 49,000 |
| Bollinger County Missouri | 8 | $ 538,000 | $ 67,000 | $ 31,000 |
| Madison County Missouri | 8 | $ 41,000 | $ 5,000 | $ 0 |
| Perry County Missouri | 7 | $ 369,000 | $ 52,000 | $ 39,000 |
| Lincoln County Missouri | 6 | $ 703,000 | $ 117,000 | $ 0 |
| Randolph County Missouri | 6 | $ 683,000 | $ 113,000 | $ 0 |
| Jackson County Illinois | 5 | $ 14,000 | $ 2,000 | $ 0 |
| Perry County Illinois | 5 | $ 27,000 | $ 5,000 | $ 0 |
| Randolph County Illinois | 5 | $ 137,000 | $ 27,000 | $ 22,000 |
| Wayne County Missouri | 5 | $ 66,000 | $ 13,000 | $ 43,000 |
| Cook County Illinois | 4 | $ 1,784,000 | $ 446,000 | $ 0 |
| Jersey County Illinois | 4 | $ 256,000 | $ 64,000 | $ 0 |
| Camden County Missouri | 4 | $ 616,000 | $ 154,000 | $ 66,000 |
| Iron County Missouri | 4 | $ 16,000 | $ 4,000 | $ 0 |
| Reynolds County Missouri | 4 | $ 16,000 | $ 4,000 | $ 0 |
| Summit County Colorado | 3 | $ 1,819,000 | $ 606,000 | $ 187,000 |
| Massac County Illinois | 3 | $ 10,000 | $ 3,000 | $ 0 |
| Marshall County Kentucky | 3 | $ 178,000 | $ 59,000 | $ 82,000 |
| McCracken County Kentucky | 3 | $ 15,000 | $ 5,000 | $ 0 |
| Morgan County Missouri | 3 | $ 440,000 | $ 146,000 | $ 0 |
| Tulsa County Oklahoma | 3 | $ 535,000 | $ 178,000 | $ 0 |
| King County Washington | 3 | $ 951,000 | $ 317,000 | $ 0 |
| Placer County California | 2 | $ 1,269,000 | $ 634,000 | $ 0 |
| Lee County Florida | 2 | $ 889,000 | $ 444,000 | $ 0 |
| Alexander County Illinois | 2 | $ 19,000 | $ 9,000 | $ 9,000 |
| Bond County Illinois | 2 | $ 10,000 | $ 5,000 | $ 0 |
| Franklin County Illinois | 2 | $ 10,000 | $ 5,000 | $ 0 |
| Macoupin County Illinois | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Montgomery County Illinois | 2 | $ 11,000 | $ 5,000 | $ 0 |
| Pulaski County Illinois | 2 | $ 13,000 | $ 6,000 | $ 0 |
| Saline County Illinois | 2 | $ 11,000 | $ 5,000 | $ 0 |
| Union County Illinois | 2 | $ 9,000 | $ 4,000 | $ 0 |
| Washington County Illinois | 2 | $ 7,000 | $ 3,000 | $ 0 |
| Williamson County Illinois | 2 | $ 9,000 | $ 4,000 | $ 0 |
| Hamilton County Indiana | 2 | $ 391,000 | $ 195,000 | $ 0 |
| Johnson County Kansas | 2 | $ 133,000 | $ 66,000 | $ 91,000 |
| Adair County Missouri | 2 | $ 103,000 | $ 51,000 | $ 85,000 |
| Carter County Missouri | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Jackson County Missouri | 2 | $ 46,000 | $ 23,000 | $ 63,000 |
| Ripley County Missouri | 2 | $ 126,000 | $ 63,000 | $ 17,000 |
| Ste. Genevieve County Missouri | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Stone County Missouri | 2 | $ 343,000 | $ 171,000 | $ 0 |
| Warren County Missouri | 2 | $ 315,000 | $ 157,000 | $ 120,000 |
| Washington County Missouri | 2 | $ 73,000 | $ 36,000 | $ 0 |
| Douglas County Nebraska | 2 | $ 419,000 | $ 209,000 | $ 0 |
| Harris County Texas | 2 | $ 457,000 | $ 228,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Benton County Arkansas | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Santa Barbara County California | 1 | $ 362,000 | $ 362,000 | $ 0 |
| Eagle County Colorado | 1 | $ 4,080,000 | $ 4,080,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 222,000 | $ 222,000 | $ 708,000 |
| District of Columbia County District Of Columbia | 1 | $ 70,000 | $ 70,000 | $ 69,000 |
| Charlotte County Florida | 1 | $ 217,000 | $ 217,000 | $ 250,000 |
| Orange County Florida | 1 | $ 100,000 | $ 100,000 | $ 156,000 |
| Walton County Florida | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Cobb County Georgia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Johnson County Illinois | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Pope County Illinois | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| Polk County Iowa | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Livingston County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Forrest County Mississippi | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 310,000 |
| Callaway County Missouri | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Christian County Missouri | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Clay County Missouri | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Cooper County Missouri | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Crawford County Missouri | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Miller County Missouri | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Montgomery County Missouri | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pike County Missouri | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Clermont County Ohio | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Washington County Oregon | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Lawrence County South Dakota | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Dyer County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 68,000 |
| Tipton County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| Bexar County Texas | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Montgomery County Texas | 1 | $ 951,000 | $ 951,000 | $ 0 |
| Travis County Texas | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Morgan County West Virginia | 1 | $ 256,000 | $ 256,000 | $ 163,000 |
| Douglas County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Montgomery Bank 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 | 793 | $141,457,000 | $391,736 | $4,080,000 | $29,000 | $578,000 |
| Home Purchase | 519 | $103,412,000 | $276,714 | $5,520,000 | $60,000 | $709,000 |
| Home Improvement | 278 | $4,234,000 | $10,666 | $429,000 | $7,000 | $159,000 |
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 | 1,152 | $207,546,000 | $342,421 | $5,520,000 | $0 | $74,000 |
| White | 401 | $39,232,000 | $147,000 | $600,000 | $129,333 | $709,000 |
| Black or African American | 13 | $514,000 | $39,000 | $85,000 | $42,000 | $102,000 |
| Not Provided | 10 | $129,000 | $10,000 | $85,000 | $16,000 | $67,000 |
| Asian | 8 | $1,123,000 | $140,000 | $246,000 | $80,000 | $148,000 |
| Hispanic | 3 | $283,000 | $94,000 | $230,000 | $40,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $184,000 | $92,000 | $135,000 | $132,000 | $241,000 |
| American Indian or Alaskan Native | 1 | $92,000 | $92,000 | $92,000 | $53,000 | $53,000 |
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) | 1,590 | $249,103,000 | $234,916 | $5,520,000 | $42,250 | $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 Purchased By The Institution | 1,083 | $177,248,000 | $260,210 | $1,049,000 | $157 | $200,000 |
| Loan Originated | 400 | $58,861,000 | $240,583 | $4,080,000 | $112,333 | $709,000 |
| Application Denied By Financial Institution | 55 | $3,346,000 | $60,000 | $373,000 | $43,000 | $116,000 |
| Application Withdrawn By Applicant | 43 | $3,825,000 | $103,500 | $600,000 | $76,000 | $180,000 |
| Application Approved But Not Accepted | 6 | $241,000 | $40,000 | $112,000 | $46,000 | $70,000 |
| File Closed For Incompleteness | 3 | $5,582,000 | $1,860,000 | $5,520,000 | $18,000 | $35,000 |
| 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 | 41 | $2,471,000 | $60,000 | $373,000 | $42,000 | $109,000 |
| Debt-To-Income Ratio | 5 | $248,000 | $49,000 | $110,000 | $40,000 | $78,000 |
| Other | 3 | $195,000 | $65,000 | $90,000 | $64,000 | $90,000 |
| Collateral | 2 | $233,000 | $116,000 | $230,000 | $40,000 | $73,000 |
| Credit Application Incomplete | 1 | $82,000 | $82,000 | $82,000 | $116,000 | $116,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $58,000 | $58,000 |
| Employment History | 1 | $2,000 | $2,000 | $2,000 | $22,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Montgomery Bank'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 Montgomery Bank'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.