Pulaski Bank, NA Mortgage Lending & HMDA Data, 2013
In 2013, Pulaski Bank, NA of St Louis, MO reported 8,488 mortgage applications totaling $1.5 billion, down 14% from 2012. The average application was for $171,775, and applicants reported an average income of $92,929. 72% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (4,708), Kansas City, MO-KS (1,743) and Omaha-Council Bluffs, NE-IA (516) (applications in parentheses).
| Mortgage Company & Address | Pulaski Bank, NA 12300 Olive Blvd St Louis, MO 63141 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 8,488 |
| Total Mortgage Loan Application Amount | $1,458,027,000 |
| Average Mortgage Loan Application Amount | $171,775 |
| Highest Mortgage Loan Application Amount | $5,575,000 |
| Average Applicant Income | $92,929 |
| Highest Applicant Income | $3,568,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pulaski Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 4,708 | $ 814,626,000 | $ 173,030 | $ 96,010 |
| Kansas City, MO-KS | 1,743 | $ 305,949,000 | $ 175,530 | $ 88,543 |
| Omaha-Council Bluffs, NE-IA | 516 | $ 87,566,000 | $ 169,701 | $ 83,031 |
| Wichita, KS | 492 | $ 73,993,000 | $ 150,392 | $ 83,000 |
| Joplin, MO | 62 | $ 6,996,000 | $ 112,838 | $ 51,000 |
| Lawrence, KS | 61 | $ 10,590,000 | $ 173,606 | $ 81,000 |
| Springfield, MO | 23 | $ 2,698,000 | $ 117,304 | $ 63,000 |
| Chicago-Joliet-Naperville, IL | 13 | $ 4,443,000 | $ 341,769 | $ 152,000 |
| Dallas-Plano-Irving, TX | 13 | $ 2,569,000 | $ 197,615 | $ 97,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 3,676,000 | $ 282,769 | $ 142,000 |
| Columbia, MO | 12 | $ 2,039,000 | $ 169,916 | $ 90,000 |
| Jefferson City, MO | 9 | $ 1,631,000 | $ 181,222 | $ 94,000 |
| St. Joseph, MO-KS | 9 | $ 1,195,000 | $ 132,777 | $ 89,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,430,000 | $ 178,750 | $ 106,000 |
| Phoenix-Mesa-Glendale, AZ | 8 | $ 1,594,000 | $ 199,250 | $ 101,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,497,000 | $ 356,714 | $ 214,000 |
| Cape Girardeau-Jackson, MO-IL | 6 | $ 898,000 | $ 149,666 | $ 106,000 |
| Columbus, OH | 6 | $ 801,000 | $ 133,500 | $ 61,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,227,000 | $ 204,500 | $ 103,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,071,000 | $ 345,166 | $ 108,000 |
| North Port-Bradenton-Sarasota, FL | 6 | $ 1,169,000 | $ 194,833 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,818,000 | $ 303,000 | $ 185,000 |
| Topeka, KS | 6 | $ 891,000 | $ 148,500 | $ 74,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 1,085,000 | $ 217,000 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 579,000 | $ 115,800 | $ 134,000 |
| Naples-Marco Island, FL | 5 | $ 1,263,000 | $ 252,600 | $ 337,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,489,000 | $ 372,250 | $ 60,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 726,000 | $ 181,500 | $ 40,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,469,000 | $ 367,250 | $ 116,250 |
| Baltimore-Towson, MD | 3 | $ 646,000 | $ 215,333 | $ 97,000 |
| Bloomington-Normal, IL | 3 | $ 805,000 | $ 268,333 | $ 212,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 830,000 | $ 276,666 | $ 274,000 |
| Champaign-Urbana, IL | 3 | $ 348,000 | $ 116,000 | $ 133,000 |
| Columbia, SC | 3 | $ 825,000 | $ 275,000 | $ 43,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 811,000 | $ 270,333 | $ 142,000 |
| Fort Collins-Loveland, CO | 3 | $ 652,000 | $ 217,333 | $ 104,000 |
| Indianapolis-Carmel, IN | 3 | $ 2,728,000 | $ 909,333 | $ 14,000 |
| Lansing-East Lansing, MI | 3 | $ 358,000 | $ 119,333 | $ 48,000 |
| Memphis, TN-MS-AR | 3 | $ 530,000 | $ 176,666 | $ 156,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 467,000 | $ 155,666 | $ 26,000 |
| Philadelphia, PA | 3 | $ 814,000 | $ 271,333 | $ 124,000 |
| Raleigh-Cary, NC | 3 | $ 597,000 | $ 199,000 | $ 8,000 |
| Springfield, IL | 3 | $ 830,000 | $ 276,666 | $ 157,000 |
| Tulsa, OK | 3 | $ 721,000 | $ 240,333 | $ 111,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 656,000 | $ 218,666 | $ 623,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 390,000 | $ 195,000 | $ 23,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 793,000 | $ 396,500 | $ 149,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 779,000 | $ 389,500 | $ 133,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 449,000 | $ 224,500 | $ 0 |
| Colorado Springs, CO | 2 | $ 435,000 | $ 217,500 | $ 0 |
| Des Moines-West Des Moines, IA | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| Edison-New Brunswick, NJ | 2 | $ 385,000 | $ 192,500 | $ 118,000 |
| Fayetteville, NC | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Jacksonville, FL | 2 | $ 440,000 | $ 220,000 | $ 34,000 |
| Lakeland-Winter Haven, FL | 2 | $ 571,000 | $ 285,500 | $ 176,000 |
| Las Vegas-Paradise, NV | 2 | $ 335,000 | $ 167,500 | $ 125,000 |
| Lincoln, NE | 2 | $ 413,000 | $ 206,500 | $ 106,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 338,000 | $ 169,000 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 621,000 | $ 310,500 | $ 149,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,466,000 | $ 733,000 | $ 477,000 |
| Ocala, FL | 2 | $ 224,000 | $ 112,000 | $ 78,000 |
| Oklahoma City, OK | 2 | $ 321,000 | $ 160,500 | $ 55,000 |
| Prescott, AZ | 2 | $ 245,000 | $ 122,500 | $ 107,000 |
| San Antonio-New Braunfels, TX | 2 | $ 442,000 | $ 221,000 | $ 47,000 |
| Tucson, AZ | 2 | $ 552,000 | $ 276,000 | $ 140,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 667,000 | $ 333,500 | $ 164,000 |
| Asheville, NC | 1 | $ 238,000 | $ 238,000 | $ 112,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 201,000 | $ 201,000 | $ 95,000 |
| Baton Rouge, LA | 1 | $ 291,000 | $ 291,000 | $ 330,000 |
| Beaumont-Port Arthur, TX | 1 | $ 148,000 | $ 148,000 | $ 75,000 |
| Boston-Quincy, MA | 1 | $ 413,000 | $ 413,000 | $ 206,000 |
| Cedar Rapids, IA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 155,000 | $ 155,000 | $ 194,000 |
| Cheyenne, WY | 1 | $ 230,000 | $ 230,000 | $ 62,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 113,000 | $ 113,000 | $ 102,000 |
| Columbus, GA-AL | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 239,000 | $ 239,000 | $ 140,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 243,000 | $ 243,000 | $ 60,000 |
| Danville, IL | 1 | $ 53,000 | $ 53,000 | $ 35,000 |
| Dayton, OH | 1 | $ 182,000 | $ 182,000 | $ 115,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 316,000 | $ 316,000 | $ 191,000 |
| Durham-Chapel Hill, NC | 1 | $ 396,000 | $ 396,000 | $ 363,000 |
| Flagstaff, AZ | 1 | $ 310,000 | $ 310,000 | $ 128,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 410,000 | $ 410,000 | $ 179,000 |
| Grand Junction, CO | 1 | $ 98,000 | $ 98,000 | $ 48,000 |
| Greeley, CO | 1 | $ 340,000 | $ 340,000 | $ 102,000 |
| Hot Springs, AR | 1 | $ 209,000 | $ 209,000 | $ 47,000 |
| Huntsville, AL | 1 | $ 340,000 | $ 340,000 | $ 89,000 |
| Idaho Falls, ID | 1 | $ 361,000 | $ 361,000 | $ 200,000 |
| Kankakee-Bradley, IL | 1 | $ 232,000 | $ 232,000 | $ 130,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lafayette, IN | 1 | $ 90,000 | $ 90,000 | $ 99,000 |
| Lubbock, TX | 1 | $ 199,000 | $ 199,000 | $ 150,000 |
| Madison, WI | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Manhattan, KS | 1 | $ 167,000 | $ 167,000 | $ 28,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 115,000 | $ 115,000 | $ 146,000 |
| Monroe, LA | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Nassau-Suffolk, NY | 1 | $ 417,000 | $ 417,000 | $ 332,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Newark-Union, NJ-PA | 1 | $ 371,000 | $ 371,000 | $ 109,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 243,000 | $ 243,000 | $ 187,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 248,000 | $ 248,000 | $ 40,000 |
| Punta Gorda, FL | 1 | $ 116,000 | $ 116,000 | $ 306,000 |
| Rapid City, SD | 1 | $ 204,000 | $ 204,000 | $ 78,000 |
| Redding, CA | 1 | $ 424,000 | $ 424,000 | $ 139,000 |
| Reno-Sparks, NV | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Richmond, VA | 1 | $ 203,000 | $ 203,000 | $ 44,000 |
| Rochester, NY | 1 | $ 89,000 | $ 89,000 | $ 88,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 442,000 | $ 442,000 | $ 105,000 |
| Savannah, GA | 1 | $ 117,000 | $ 117,000 | $ 67,000 |
| Tacoma, WA | 1 | $ 114,000 | $ 114,000 | $ 81,000 |
| Tallahassee, FL | 1 | $ 300,000 | $ 300,000 | $ 133,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 68,000 | $ 68,000 | $ 98,000 |
| Toledo, OH | 1 | $ 171,000 | $ 171,000 | $ 169,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 310,000 | $ 310,000 | $ 140,000 |
| Wilmington, DE-MD-NJ | 1 | $ 279,000 | $ 279,000 | $ 135,000 |
| Yuba City, CA | 1 | $ 187,000 | $ 187,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pulaski Bank, NA in 2013
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 | 4,853 | $789,581,000 | $162,000 | $2,521,000 | $84,000 | $3,102,000 |
| Refinancing | 3,603 | $663,986,000 | $184,000 | $5,575,000 | $105,000 | $3,568,000 |
| Home Improvement | 32 | $4,460,000 | $139,000 | $340,000 | $88,000 | $285,000 |
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 | 7,296 | $1,255,496,000 | $172,000 | $1,400,000 | $94,000 | $3,568,000 |
| Not Provided | 438 | $72,669,000 | $165,000 | $1,512,000 | $95,000 | $3,265,000 |
| Black or African American | 322 | $40,901,000 | $127,000 | $417,000 | $63,000 | $470,000 |
| Asian | 189 | $35,708,000 | $188,000 | $891,000 | $116,000 | $792,000 |
| Hispanic | 168 | $24,564,000 | $146,000 | $612,000 | $74,000 | $474,000 |
| Not applicable | 49 | $24,342,000 | $496,000 | $5,575,000 | $0 | $0 |
| American Indian or Alaskan Native | 22 | $3,611,000 | $164,000 | $335,000 | $79,000 | $301,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $736,000 | $184,000 | $270,000 | $79,000 | $109,000 |
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) | 5,751 | $1,074,479,000 | $186,000 | $5,575,000 | $110,000 | $3,568,000 |
| FHA-insured (Federal Housing Administration) | 1,777 | $230,011,000 | $129,000 | $352,000 | $56,000 | $509,000 |
| VA-guaranteed (Veterans Administration) | 608 | $114,170,000 | $187,000 | $664,000 | $65,000 | $415,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 352 | $39,367,000 | $111,000 | $219,000 | $43,000 | $114,000 |
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 | 6,100 | $1,045,242,000 | $171,000 | $5,575,000 | $93,000 | $3,568,000 |
| Application Withdrawn By Applicant | 868 | $155,633,000 | $179,000 | $1,200,000 | $94,000 | $3,265,000 |
| File Closed For Incompleteness | 651 | $115,782,000 | $177,000 | $1,135,000 | $97,000 | $1,000,000 |
| Application Denied By Financial Institution | 615 | $99,305,000 | $161,000 | $2,100,000 | $85,000 | $1,118,000 |
| Application Approved But Not Accepted | 254 | $42,065,000 | $165,000 | $888,000 | $99,000 | $1,666,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 182 | $28,378,000 | $155,000 | $784,000 | $59,000 | $270,000 |
| Collateral | 174 | $30,079,000 | $172,000 | $2,100,000 | $107,000 | $1,000,000 |
| Credit History | 143 | $24,170,000 | $169,000 | $1,400,000 | $84,000 | $1,118,000 |
| Other | 65 | $9,292,000 | $142,000 | $399,000 | $98,000 | $626,000 |
| Employment History | 23 | $3,751,000 | $163,000 | $412,000 | $70,000 | $173,000 |
| Unverifiable Information | 19 | $2,568,000 | $135,000 | $640,000 | $116,000 | $377,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,067,000 | $118,000 | $165,000 | $54,000 | $130,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pulaski Bank, NA's 2013 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 Pulaski Bank, NA'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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