Pulaski Bank, NA Mortgage Lending & HMDA Data, 2014
In 2014, Pulaski Bank, NA of St Louis, MO reported 6,930 mortgage applications totaling $1.2 billion, down 18% from 2013. The average application was for $179,450, and applicants reported an average income of $93,783. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were St. Louis, MO-IL (3,307), Kansas City, MO-KS (1,217) and Omaha-Council Bluffs, NE-IA (726) (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 | 6,930 |
| Total Mortgage Loan Application Amount | $1,243,591,000 |
| Average Mortgage Loan Application Amount | $179,450 |
| Highest Mortgage Loan Application Amount | $4,050,000 |
| Average Applicant Income | $93,783 |
| Highest Applicant Income | $4,639,000 |
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Act (HMDA) records Pulaski Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,307 | $ 592,748,000 | $ 179,240 | $ 94,288 |
| Kansas City, MO-KS | 1,217 | $ 220,229,000 | $ 180,960 | $ 98,689 |
| Omaha-Council Bluffs, NE-IA | 726 | $ 126,195,000 | $ 173,822 | $ 88,537 |
| Wichita, KS | 510 | $ 79,209,000 | $ 155,311 | $ 82,000 |
| Chicago-Naperville-Arlington Heights, IL | 195 | $ 36,513,000 | $ 187,246 | $ 80,000 |
| Lawrence, KS | 127 | $ 21,335,000 | $ 167,992 | $ 93,000 |
| Springfield, MO | 87 | $ 11,374,000 | $ 130,735 | $ 98,000 |
| Denver-Aurora-Lakewood, CO | 36 | $ 8,404,000 | $ 233,444 | $ 83,000 |
| Atlanta-Sandy Springs-Roswell, GA | 18 | $ 5,362,000 | $ 297,888 | $ 157,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 8,794,000 | $ 488,555 | $ 153,555 |
| Dallas-Plano-Irving, TX | 15 | $ 3,513,000 | $ 234,200 | $ 107,000 |
| Elgin, IL | 14 | $ 1,937,000 | $ 138,357 | $ 50,000 |
| Topeka, KS | 12 | $ 1,903,000 | $ 158,583 | $ 66,000 |
| Jefferson City, MO | 11 | $ 2,061,000 | $ 187,363 | $ 97,000 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 3,112,000 | $ 311,200 | $ 211,000 |
| Columbia, MO | 8 | $ 765,000 | $ 95,625 | $ 71,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,991,000 | $ 248,875 | $ 112,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 4,635,000 | $ 662,142 | $ 179,000 |
| Boulder, CO | 6 | $ 2,369,000 | $ 394,833 | $ 201,000 |
| Lincoln, NE | 6 | $ 1,500,000 | $ 250,000 | $ 121,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 2,236,000 | $ 372,666 | $ 51,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 2,879,000 | $ 575,800 | $ 167,000 |
| Columbus, OH | 5 | $ 1,119,000 | $ 223,800 | $ 84,000 |
| New Orleans-Metairie, LA | 5 | $ 1,111,000 | $ 222,200 | $ 109,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,369,000 | $ 273,800 | $ 113,000 |
| Greeley, CO | 4 | $ 772,000 | $ 193,000 | $ 156,000 |
| Joplin, MO | 4 | $ 587,000 | $ 146,750 | $ 22,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 899,000 | $ 224,750 | $ 165,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 2,473,000 | $ 618,250 | $ 360,000 |
| Austin-Round Rock, TX | 3 | $ 787,000 | $ 262,333 | $ 341,000 |
| Memphis, TN-MS-AR | 3 | $ 3,500,000 | $ 1,166,666 | $ 43,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 408,000 | $ 136,000 | $ 86,000 |
| Peoria, IL | 3 | $ 563,000 | $ 187,666 | $ 30,000 |
| San Antonio-New Braunfels, TX | 3 | $ 963,000 | $ 321,000 | $ 77,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 2,575,000 | $ 858,333 | $ 188,000 |
| St. Joseph, MO-KS | 3 | $ 334,000 | $ 111,333 | $ 48,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 611,000 | $ 203,666 | $ 100,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,020,000 | $ 340,000 | $ 236,000 |
| Appleton, WI | 2 | $ 622,000 | $ 311,000 | $ 50,000 |
| Bakersfield, CA | 2 | $ 371,000 | $ 185,500 | $ 110,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 674,000 | $ 337,000 | $ 140,000 |
| Cape Girardeau, MO-IL | 2 | $ 395,000 | $ 197,500 | $ 79,000 |
| Chattanooga, TN-GA | 2 | $ 363,000 | $ 181,500 | $ 97,000 |
| Des Moines-West Des Moines, IA | 2 | $ 414,000 | $ 207,000 | $ 92,000 |
| Grand Island, NE | 2 | $ 276,000 | $ 138,000 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 589,000 | $ 294,500 | $ 115,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 648,000 | $ 324,000 | $ 156,000 |
| Niles-Benton Harbor, MI | 2 | $ 465,000 | $ 232,500 | $ 175,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 532,000 | $ 266,000 | $ 242,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 581,000 | $ 290,500 | $ 195,000 |
| Pittsburgh, PA | 2 | $ 715,000 | $ 357,500 | $ 274,000 |
| Raleigh, NC | 2 | $ 284,000 | $ 142,000 | $ 95,000 |
| San Diego-Carlsbad, CA | 2 | $ 545,000 | $ 272,500 | $ 103,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,098,000 | $ 549,000 | $ 107,000 |
| Stockton-Lodi, CA | 2 | $ 637,000 | $ 318,500 | $ 54,000 |
| Baton Rouge, LA | 1 | $ 236,000 | $ 236,000 | $ 104,000 |
| Bloomington, IN | 1 | $ 154,000 | $ 154,000 | $ 390,000 |
| Brownsville-Harlingen, TX | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 68,000 | $ 68,000 | $ 116,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 218,000 | $ 218,000 | $ 84,000 |
| Champaign-Urbana, IL | 1 | $ 212,000 | $ 212,000 | $ 163,000 |
| Charleston, WV | 1 | $ 305,000 | $ 305,000 | $ 64,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 654,000 | $ 654,000 | $ 260,000 |
| Cincinnati, OH-KY-IN | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
| Colorado Springs, CO | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Columbia, SC | 1 | $ 320,000 | $ 320,000 | $ 125,000 |
| Columbus, GA-AL | 1 | $ 208,000 | $ 208,000 | $ 53,000 |
| Corpus Christi, TX | 1 | $ 255,000 | $ 255,000 | $ 132,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 300,000 | $ 300,000 | $ 251,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 94,000 | $ 94,000 | $ 110,000 |
| Dubuque, IA | 1 | $ 325,000 | $ 325,000 | $ 225,000 |
| Durham-Chapel Hill, NC | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 169,000 | $ 169,000 | $ 418,000 |
| Fond Du Lac, WI | 1 | $ 186,000 | $ 186,000 | $ 136,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 184,000 | $ 184,000 | $ 108,000 |
| Fort Worth-Arlington, TX | 1 | $ 158,000 | $ 158,000 | $ 35,000 |
| Fresno, CA | 1 | $ 156,000 | $ 156,000 | $ 74,000 |
| Gary, IN | 1 | $ 252,000 | $ 252,000 | $ 155,000 |
| Houma-Thibodaux, LA | 1 | $ 404,000 | $ 404,000 | $ 217,000 |
| Huntsville, AL | 1 | $ 67,000 | $ 67,000 | $ 17,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Jacksonville, NC | 1 | $ 248,000 | $ 248,000 | $ 86,000 |
| Kankakee, IL | 1 | $ 214,000 | $ 214,000 | $ 235,000 |
| Killeen-Temple, TX | 1 | $ 89,000 | $ 89,000 | $ 114,000 |
| Knoxville, TN | 1 | $ 333,000 | $ 333,000 | $ 290,000 |
| Lafayette, LA | 1 | $ 164,000 | $ 164,000 | $ 62,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 301,000 | $ 301,000 | $ 390,000 |
| Lansing-East Lansing, MI | 1 | $ 133,000 | $ 133,000 | $ 153,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 241,000 | $ 241,000 | $ 120,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 67,000 | $ 67,000 | $ 88,000 |
| Lynchburg, VA | 1 | $ 101,000 | $ 101,000 | $ 55,000 |
| Macon, GA | 1 | $ 188,000 | $ 188,000 | $ 57,000 |
| Nassau County-Suffolk County, NY | 1 | $ 247,000 | $ 247,000 | $ 80,000 |
| Newark, NJ-PA | 1 | $ 263,000 | $ 263,000 | $ 115,000 |
| Oklahoma City, OK | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 373,000 | $ 373,000 | $ 71,000 |
| Panama City, FL | 1 | $ 152,000 | $ 152,000 | $ 75,000 |
| Philadelphia, PA | 1 | $ 149,000 | $ 149,000 | $ 64,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 200,000 | $ 200,000 | $ 99,000 |
| Provo-Orem, UT | 1 | $ 206,000 | $ 206,000 | $ 106,000 |
| Racine, WI | 1 | $ 186,000 | $ 186,000 | $ 108,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 417,000 | $ 417,000 | $ 54,000 |
| Salt Lake City, UT | 1 | $ 278,000 | $ 278,000 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,203,000 | $ 1,203,000 | $ 318,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 599,000 | $ 599,000 | $ 775,000 |
| San Rafael, CA | 1 | $ 440,000 | $ 440,000 | $ 150,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 393,000 | $ 393,000 | $ 129,000 |
| Santa Rosa, CA | 1 | $ 469,000 | $ 469,000 | $ 175,000 |
| Savannah, GA | 1 | $ 207,000 | $ 207,000 | $ 164,000 |
| Shreveport-Bossier City, LA | 1 | $ 250,000 | $ 250,000 | $ 122,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| The Villages, FL | 1 | $ 198,000 | $ 198,000 | $ 90,000 |
| Tucson, AZ | 1 | $ 130,000 | $ 130,000 | $ 191,000 |
| Tulsa, OK | 1 | $ 244,000 | $ 244,000 | $ 74,000 |
| Urban Honolulu, HI | 1 | $ 470,000 | $ 470,000 | $ 92,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 342,000 | $ 342,000 | $ 121,000 |
| Wilmington, NC | 1 | $ 308,000 | $ 308,000 | $ 103,000 |
| Winchester, VA-WV | 1 | $ 412,000 | $ 412,000 | $ 137,000 |
| Winston-Salem, NC | 1 | $ 207,000 | $ 207,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Pulaski Bank, NA in 2014
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 | 5,295 | $934,307,000 | $176,000 | $2,800,000 | $91,000 | $4,639,000 |
| Refinancing | 1,580 | $299,499,000 | $189,000 | $4,050,000 | $103,000 | $1,532,000 |
| Home Improvement | 55 | $9,785,000 | $177,000 | $760,000 | $97,000 | $423,000 |
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 | 5,857 | $1,030,528,000 | $175,000 | $2,321,000 | $94,000 | $2,488,000 |
| Not Provided | 420 | $84,165,000 | $200,000 | $1,460,000 | $112,000 | $4,639,000 |
| Black or African American | 262 | $37,199,000 | $141,000 | $417,000 | $72,000 | $884,000 |
| Hispanic | 191 | $31,311,000 | $163,000 | $675,000 | $79,000 | $452,000 |
| Asian | 146 | $34,686,000 | $237,000 | $1,314,000 | $116,000 | $425,000 |
| Not applicable | 31 | $22,249,000 | $717,000 | $4,050,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $1,870,000 | $133,000 | $230,000 | $67,000 | $107,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,583,000 | $175,000 | $882,000 | $116,000 | $335,000 |
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) | 4,688 | $914,693,000 | $195,000 | $4,050,000 | $112,000 | $4,639,000 |
| FHA-insured (Federal Housing Administration) | 1,365 | $174,316,000 | $127,000 | $301,000 | $54,000 | $249,000 |
| VA-guaranteed (Veterans Administration) | 605 | $121,471,000 | $200,000 | $1,124,000 | $71,000 | $566,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 272 | $33,111,000 | $121,000 | $365,000 | $46,000 | $102,000 |
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 | 5,187 | $934,152,000 | $180,000 | $4,050,000 | $96,000 | $4,639,000 |
| Application Withdrawn By Applicant | 839 | $152,909,000 | $182,000 | $1,350,000 | $95,000 | $948,000 |
| Application Denied By Financial Institution | 542 | $89,180,000 | $164,000 | $1,190,000 | $70,000 | $1,456,000 |
| Application Approved But Not Accepted | 208 | $37,510,000 | $180,000 | $2,321,000 | $89,000 | $678,000 |
| File Closed For Incompleteness | 154 | $29,840,000 | $193,000 | $879,000 | $106,000 | $512,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 232 | $38,034,000 | $163,000 | $1,190,000 | $64,000 | $637,000 |
| Debt-To-Income Ratio | 122 | $22,563,000 | $184,000 | $1,075,000 | $55,000 | $354,000 |
| Collateral | 86 | $12,355,000 | $143,000 | $525,000 | $84,000 | $457,000 |
| Other | 51 | $8,597,000 | $168,000 | $522,000 | $96,000 | $450,000 |
| Employment History | 28 | $3,362,000 | $120,000 | $296,000 | $49,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,601,000 | $216,000 | $1,100,000 | $83,000 | $180,000 |
| Unverifiable Information | 11 | $1,668,000 | $151,000 | $425,000 | $197,000 | $1,456,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pulaski Bank, NA's 2014 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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