Montgomery Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Montgomery Bank 2005 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 | 1,271 |
| Total Mortgage Loan Application Amount | $211,804,000 |
| Average Mortgage Loan Application Amount | $191,279 |
| Highest Mortgage Loan Application Amount | $4,800,000 |
| Average Applicant Income | $61,581 |
| Highest Applicant Income | $621,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 355 | $ 87,100,000 | $ 245,000 | $ 30,000 |
| St. Charles County Missouri | 214 | $ 38,494,000 | $ 179,000 | $ 36,000 |
| Cape Girardeau County Missouri | 126 | $ 16,169,000 | $ 128,000 | $ 42,000 |
| Scott County Missouri | 88 | $ 9,252,000 | $ 105,000 | $ 38,000 |
| St. Clair County Illinois | 69 | $ 9,610,000 | $ 139,000 | $ 9,000 |
| St. Louis City County Missouri | 58 | $ 15,600,000 | $ 268,000 | $ 41,000 |
| Jefferson County Missouri | 46 | $ 3,287,000 | $ 71,000 | $ 13,000 |
| Boone County Missouri | 35 | $ 5,914,000 | $ 168,000 | $ 21,000 |
| Franklin County Missouri | 21 | $ 1,961,000 | $ 93,000 | $ 22,000 |
| New Madrid County Missouri | 19 | $ 1,111,000 | $ 58,000 | $ 35,000 |
| Madison County Illinois | 16 | $ 485,000 | $ 30,000 | $ 0 |
| Monroe County Illinois | 16 | $ 2,241,000 | $ 140,000 | $ 9,000 |
| Stoddard County Missouri | 15 | $ 713,000 | $ 47,000 | $ 25,000 |
| Williamson County Illinois | 13 | $ 52,000 | $ 4,000 | $ 0 |
| Lincoln County Missouri | 9 | $ 1,213,000 | $ 134,000 | $ 0 |
| McCracken County Kentucky | 8 | $ 38,000 | $ 4,000 | $ 0 |
| Warren County Missouri | 8 | $ 876,000 | $ 109,000 | $ 0 |
| Randolph County Illinois | 7 | $ 196,000 | $ 28,000 | $ 21,000 |
| Camden County Missouri | 7 | $ 1,081,000 | $ 154,000 | $ 22,000 |
| Perry County Missouri | 7 | $ 27,000 | $ 3,000 | $ 0 |
| Jackson County Illinois | 6 | $ 374,000 | $ 62,000 | $ 175,000 |
| Franklin County Illinois | 5 | $ 126,000 | $ 25,000 | $ 0 |
| St. Francois County Missouri | 5 | $ 335,000 | $ 67,000 | $ 29,000 |
| Tulsa County Oklahoma | 5 | $ 809,000 | $ 161,000 | $ 36,000 |
| Saline County Illinois | 4 | $ 19,000 | $ 4,000 | $ 0 |
| Bollinger County Missouri | 4 | $ 217,000 | $ 54,000 | $ 25,000 |
| Mississippi County Missouri | 4 | $ 1,200,000 | $ 300,000 | $ 38,000 |
| Bond County Illinois | 3 | $ 14,000 | $ 4,000 | $ 0 |
| Butler County Missouri | 3 | $ 17,000 | $ 5,000 | $ 0 |
| Randolph County Missouri | 3 | $ 338,000 | $ 112,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Boulder County Colorado | 2 | $ 242,000 | $ 121,000 | $ 0 |
| Johnson County Illinois | 2 | $ 13,000 | $ 6,000 | $ 0 |
| Macoupin County Illinois | 2 | $ 9,000 | $ 4,000 | $ 0 |
| Massac County Illinois | 2 | $ 9,000 | $ 4,000 | $ 0 |
| Perry County Illinois | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Union County Illinois | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Johnson County Kansas | 2 | $ 425,000 | $ 212,000 | $ 0 |
| Leflore County Mississippi | 2 | $ 291,000 | $ 145,000 | $ 0 |
| Crawford County Missouri | 2 | $ 217,000 | $ 108,000 | $ 0 |
| Iron County Missouri | 2 | $ 12,000 | $ 6,000 | $ 0 |
| Madison County Missouri | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Pemiscot County Missouri | 2 | $ 93,000 | $ 46,000 | $ 59,000 |
| Mecklenburg County North Carolina | 2 | $ 258,000 | $ 129,000 | $ 87,000 |
| Washington County Oregon | 2 | $ 261,000 | $ 130,000 | $ 91,000 |
| Dyer County Tennessee | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Obion County Tennessee | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 175,000 | $ 87,000 | $ 54,000 |
| Houston County Alabama | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Contra Costa County California | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Denver County Colorado | 1 | $ 373,000 | $ 373,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 1,019,000 | $ 1,019,000 | $ 497,000 |
| Hillsborough County Florida | 1 | $ 282,000 | $ 282,000 | $ 79,000 |
| Lee County Florida | 1 | $ 316,000 | $ 316,000 | $ 14,000 |
| Orange County Florida | 1 | $ 263,000 | $ 263,000 | $ 67,000 |
| Sumter County Florida | 1 | $ 108,000 | $ 108,000 | $ 40,000 |
| Clarke County Georgia | 1 | $ 110,000 | $ 110,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 445,000 | $ 445,000 | $ 118,000 |
| Fulton County Georgia | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Ada County Idaho | 1 | $ 70,000 | $ 70,000 | $ 27,000 |
| Alexander County Illinois | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Clinton County Illinois | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Cook County Illinois | 1 | $ 605,000 | $ 605,000 | $ 0 |
| DuPage County Illinois | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Greene County Illinois | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Jersey County Illinois | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Lake County Illinois | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Washington County Illinois | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Marion County Indiana | 1 | $ 130,000 | $ 130,000 | $ 176,000 |
| Porter County Indiana | 1 | $ 240,000 | $ 240,000 | $ 163,000 |
| Polk County Iowa | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Crawford County Kansas | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Marshall County Kentucky | 1 | $ 23,000 | $ 23,000 | $ 77,000 |
| Middlesex County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Berrien County Michigan | 1 | $ 411,000 | $ 411,000 | $ 231,000 |
| Houghton County Michigan | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Lafayette County Mississippi | 1 | $ 137,000 | $ 137,000 | $ 261,000 |
| Audrain County Missouri | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Callaway County Missouri | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Dunklin County Missouri | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Gasconade County Missouri | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Howard County Missouri | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Jackson County Missouri | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Morgan County Missouri | 1 | $ 89,000 | $ 89,000 | $ 148,000 |
| Pulaski County Missouri | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Reynolds County Missouri | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Ste. Genevieve County Missouri | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Washington County Missouri | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Wayne County Missouri | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Flathead County Montana | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 67,000 | $ 67,000 | $ 193,000 |
| Clermont County Ohio | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Delaware County Ohio | 1 | $ 300,000 | $ 300,000 | $ 94,000 |
| Franklin County Ohio | 1 | $ 220,000 | $ 220,000 | $ 105,000 |
| Mercer County Ohio | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Craig County Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 548,000 |
| McIntosh County Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Williamson County Tennessee | 1 | $ 262,000 | $ 262,000 | $ 54,000 |
| Bexar County Texas | 1 | $ 217,000 | $ 217,000 | $ 90,000 |
| Collin County Texas | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Montgomery County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Travis County Texas | 1 | $ 259,000 | $ 259,000 | $ 115,000 |
| Halifax County Virginia | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Pierce County Washington | 1 | $ 269,000 | $ 269,000 | $ 0 |
Mortgage Loan Application Detail Totals for Montgomery Bank 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 | 549 | $99,104,000 | $211,400 | $1,900,000 | $51,133 | $366,000 |
| Home Purchase | 488 | $106,455,000 | $211,043 | $4,800,000 | $79,043 | $621,000 |
| Home Improvement | 234 | $6,245,000 | $40,000 | $3,000,000 | $12,600 | $217,000 |
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 | 964 | $170,129,000 | $184,529 | $4,800,000 | $0 | $22,000 |
| White | 282 | $34,981,000 | $205,857 | $1,125,000 | $123,380 | $621,000 |
| Black or African American | 12 | $422,000 | $35,000 | $64,000 | $39,000 | $75,000 |
| Asian | 8 | $2,943,000 | $367,000 | $1,900,000 | $73,000 | $176,000 |
| Hispanic | 5 | $3,329,000 | $665,000 | $2,720,000 | $31,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,271 | $211,804,000 | $205,629 | $4,800,000 | $69,222 | $621,000 |
| 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 | 920 | $144,865,000 | $179,000 | $1,500,000 | $0 | $0 |
| Loan Originated | 280 | $56,181,000 | $211,863 | $4,800,000 | $117,454 | $621,000 |
| Application Denied By Financial Institution | 39 | $5,170,000 | $132,000 | $1,000,000 | $36,000 | $120,000 |
| Application Withdrawn By Applicant | 31 | $5,581,000 | $180,000 | $2,300,000 | $53,000 | $176,000 |
| File Closed For Incompleteness | 1 | $7,000 | $7,000 | $7,000 | $19,000 | $19,000 |
| Application Approved But Not Accepted | 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 | 21 | $3,321,000 | $158,000 | $1,000,000 | $29,000 | $120,000 |
| Debt-To-Income Ratio | 8 | $663,000 | $82,000 | $275,000 | $39,000 | $63,000 |
| Employment History | 5 | $723,000 | $144,000 | $342,000 | $49,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $263,000 | $65,000 | $150,000 | $40,000 | $68,000 |
| Unverifiable Information | 1 | $200,000 | $200,000 | $200,000 | $31,000 | $31,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Montgomery Bank'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 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.