Pulaski Bank Mortgage Lending & HMDA Data, 2005

In 2005, Pulaski Bank of St Louis, MO reported 8,811 mortgage applications totaling $1.3 billion, up 16% from 2004. The average application was for $150,225, and applicants reported an average income of $73,429. 90% of its applications resulted in an originated loan and 1% were denied. Its largest markets were St. Louis, MO-IL (5,713), Kansas City, MO-KS (808) and Lawrence, KS (37) (applications in parentheses).

Mortgage Company & Address Pulaski Bank
12300 Olive Blvd
St Louis, MO 63141
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 8,811
Total Mortgage Loan Application Amount $1,323,641,000
Average Mortgage Loan Application Amount $150,225
Highest Mortgage Loan Application Amount $4,800,000
Average Applicant Income $73,429
Highest Applicant Income $3,219,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pulaski Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Pulaski Bank by County in 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, Missouri 2,757 $ 475,583,000 $ 172,500 $ 71,000
Johnson, Kansas 1,609 $ 249,421,000 $ 155,016 $ 93,000
St. Charles, Missouri 1,507 $ 213,844,000 $ 141,900 $ 63,000
St. Louis City, Missouri 804 $ 101,489,000 $ 126,230 $ 52,000
Jackson, Missouri 610 $ 71,276,000 $ 116,845 $ 71,000
Jefferson, Missouri 410 $ 48,605,000 $ 118,548 $ 59,000
Wyandotte, Kansas 108 $ 9,533,000 $ 88,268 $ 58,000
Lincoln, Missouri 99 $ 13,322,000 $ 134,565 $ 62,000
Clay, Missouri 85 $ 9,490,000 $ 111,647 $ 62,000
Warren, Missouri 73 $ 10,472,000 $ 143,452 $ 67,000
Cass, Missouri 71 $ 9,606,000 $ 135,295 $ 88,000
Franklin, Missouri 60 $ 7,673,000 $ 127,883 $ 65,000
Miami, Kansas 53 $ 7,510,000 $ 141,698 $ 90,000
St. Clair, Illinois 39 $ 5,804,000 $ 148,820 $ 87,000
Douglas, Kansas 37 $ 4,237,000 $ 114,513 $ 89,000
Platte, Missouri 36 $ 5,433,000 $ 150,916 $ 97,000
Camden, Missouri 35 $ 6,141,000 $ 175,457 $ 199,000
Madison, Illinois 32 $ 3,791,000 $ 118,468 $ 82,000
Leavenworth, Kansas 20 $ 2,005,000 $ 100,250 $ 66,000
St. Francois, Missouri 13 $ 1,245,000 $ 95,769 $ 68,000
Monroe, Illinois 12 $ 1,707,000 $ 142,250 $ 101,000
Buchanan, Missouri 10 $ 1,102,000 $ 110,200 $ 80,000
Boone, Missouri 9 $ 1,182,000 $ 131,333 $ 72,000
Cape Girardeau, Missouri 8 $ 893,000 $ 111,625 $ 70,000
Johnson, Missouri 8 $ 759,000 $ 94,875 $ 97,000
Morgan, Missouri 8 $ 1,498,000 $ 187,250 $ 126,000
Maricopa, Arizona 7 $ 2,295,000 $ 327,857 $ 156,000
Palm Beach, Florida 7 $ 1,106,000 $ 158,000 $ 182,000
Volusia, Florida 7 $ 1,375,000 $ 196,428 $ 96,000
Cook, Illinois 7 $ 2,158,000 $ 308,285 $ 184,000
Jersey, Illinois 7 $ 752,000 $ 107,428 $ 49,000
Stone, Missouri 7 $ 1,044,000 $ 149,142 $ 116,000
Marion, Missouri 6 $ 802,000 $ 133,666 $ 119,000
Eagle, Colorado 5 $ 2,439,000 $ 487,800 $ 715,000
Lee, Florida 5 $ 1,057,000 $ 211,400 $ 114,000
Ste. Genevieve, Missouri 5 $ 334,000 $ 66,800 $ 69,000
Benton, Arkansas 4 $ 540,000 $ 135,000 $ 107,000
Fairfield, Connecticut 4 $ 2,572,000 $ 643,000 $ 339,000
Franklin, Kansas 4 $ 552,000 $ 138,000 $ 63,000
Cole, Missouri 4 $ 389,000 $ 97,250 $ 83,000
Greene, Missouri 4 $ 423,000 $ 105,750 $ 28,000
Phelps, Missouri 4 $ 440,000 $ 110,000 $ 42,000
Dallas, Texas 4 $ 843,000 $ 210,750 $ 87,000
Pima, Arizona 3 $ 606,000 $ 202,000 $ 126,000
Riverside, California 3 $ 774,000 $ 258,000 $ 358,000
Denver, Colorado 3 $ 544,000 $ 181,333 $ 57,000
Larimer, Colorado 3 $ 453,000 $ 151,000 $ 84,000
Calhoun, Illinois 3 $ 415,000 $ 138,333 $ 50,000
Jackson, Illinois 3 $ 348,000 $ 116,000 $ 302,000
Anderson, Kansas 3 $ 182,000 $ 60,666 $ 40,000
Crawford, Kansas 3 $ 244,000 $ 81,333 $ 26,000
Jefferson, Kentucky 3 $ 615,000 $ 205,000 $ 36,000
Callaway, Missouri 3 $ 272,000 $ 90,666 $ 88,000
Gasconade, Missouri 3 $ 392,000 $ 130,666 $ 141,000
Montgomery, Missouri 3 $ 283,000 $ 94,333 $ 71,000
Pike, Missouri 3 $ 201,000 $ 67,000 $ 37,000
Washington, Missouri 3 $ 187,000 $ 62,333 $ 83,000
Webster, Missouri 3 $ 283,000 $ 94,333 $ 58,000
Clark, Nevada 3 $ 603,000 $ 201,000 $ 99,000
New Hanover, North Carolina 3 $ 503,000 $ 167,666 $ 169,000
Lauderdale, Alabama 2 $ 42,000 $ 21,000 $ 77,000
Coconino, Arizona 2 $ 329,000 $ 164,500 $ 117,000
Los Angeles, California 2 $ 991,000 $ 495,500 $ 122,000
San Bernardino, California 2 $ 520,000 $ 260,000 $ 119,000
Summit, Colorado 2 $ 405,000 $ 202,500 $ 135,000
Bay, Florida 2 $ 328,000 $ 164,000 $ 240,000
Broward, Florida 2 $ 255,000 $ 127,500 $ 43,000
Duval, Florida 2 $ 257,000 $ 128,500 $ 76,000
Hernando, Florida 2 $ 255,000 $ 127,500 $ 120,000
Hillsborough, Florida 2 $ 131,000 $ 65,500 $ 51,000
Pinellas, Florida 2 $ 365,000 $ 182,500 $ 139,000
Sarasota, Florida 2 $ 1,475,000 $ 737,500 $ 387,000
Cobb, Georgia 2 $ 749,000 $ 374,500 $ 213,000
Clinton, Illinois 2 $ 282,000 $ 141,000 $ 89,000
Macoupin, Illinois 2 $ 121,000 $ 60,500 $ 42,000
Will, Illinois 2 $ 485,000 $ 242,500 $ 138,000
Polk, Iowa 2 $ 142,000 $ 71,000 $ 29,000
Dickinson, Kansas 2 $ 76,000 $ 38,000 $ 40,000
Jefferson, Kansas 2 $ 202,000 $ 101,000 $ 152,000
Linn, Kansas 2 $ 114,000 $ 57,000 $ 53,000
Riley, Kansas 2 $ 100,000 $ 50,000 $ 43,000
Sedgwick, Kansas 2 $ 233,000 $ 116,500 $ 40,000
Calvert, Maryland 2 $ 518,000 $ 259,000 $ 121,000
Clinton, Missouri 2 $ 295,000 $ 147,500 $ 66,000
Crawford, Missouri 2 $ 171,000 $ 85,500 $ 57,000
Lafayette, Missouri 2 $ 302,000 $ 151,000 $ 53,000
Taney, Missouri 2 $ 78,000 $ 39,000 $ 91,000
Westchester, New York 2 $ 640,000 $ 320,000 $ 224,000
Chatham, North Carolina 2 $ 353,000 $ 176,500 $ 166,000
Mecklenburg, North Carolina 2 $ 722,000 $ 361,000 $ 59,000
Wake, North Carolina 2 $ 583,000 $ 291,500 $ 149,000
Marion, Oregon 2 $ 221,000 $ 110,500 $ 87,000
Philadelphia, Pennsylvania 2 $ 212,000 $ 106,000 $ 84,000
Knox, Tennessee 2 $ 126,000 $ 63,000 $ 41,000
Brazos, Texas 2 $ 134,000 $ 67,000 $ 72,000
Collin, Texas 2 $ 286,000 $ 143,000 $ 121,000
Nueces, Texas 2 $ 60,000 $ 30,000 $ 40,000
Fairfax, Virginia 2 $ 653,000 $ 326,500 $ 231,000
King, Washington 2 $ 1,279,000 $ 639,500 $ 180,000
Snohomish, Washington 2 $ 309,000 $ 154,500 $ 99,000
Mobile, Alabama 1 $ 266,000 $ 266,000 $ 179,000
Navajo, Arizona 1 $ 208,000 $ 208,000 $ 177,000
Pulaski, Arkansas 1 $ 158,000 $ 158,000 $ 89,000
Contra Costa, California 1 $ 574,000 $ 574,000 $ 147,000
Placer, California 1 $ 200,000 $ 200,000 $ 137,000
San Diego, California 1 $ 697,000 $ 697,000 $ 0
Santa Barbara, California 1 $ 1,500,000 $ 1,500,000 $ 623,000
Santa Clara, California 1 $ 181,000 $ 181,000 $ 56,000
Ventura, California 1 $ 740,000 $ 740,000 $ 244,000
Adams, Colorado 1 $ 165,000 $ 165,000 $ 89,000
Broomfield, Colorado 1 $ 285,000 $ 285,000 $ 70,000
Jefferson, Colorado 1 $ 188,000 $ 188,000 $ 55,000
Pitkin, Colorado 1 $ 620,000 $ 620,000 $ 296,000
Collier, Florida 1 $ 414,000 $ 414,000 $ 479,000
Okaloosa, Florida 1 $ 206,000 $ 206,000 $ 180,000
Orange, Florida 1 $ 276,000 $ 276,000 $ 0
Chatham, Georgia 1 $ 161,000 $ 161,000 $ 51,000
DeKalb, Georgia 1 $ 280,000 $ 280,000 $ 120,000
Glynn, Georgia 1 $ 336,000 $ 336,000 $ 65,000
Whitfield, Georgia 1 $ 76,000 $ 76,000 $ 41,000
Blaine, Idaho 1 $ 275,000 $ 275,000 $ 0
Canyon, Idaho 1 $ 181,000 $ 181,000 $ 122,000
Champaign, Illinois 1 $ 312,000 $ 312,000 $ 155,000
Lake, Illinois 1 $ 200,000 $ 200,000 $ 110,000
Pike, Illinois 1 $ 66,000 $ 66,000 $ 0
Rock Island, Illinois 1 $ 404,000 $ 404,000 $ 180,000
Kosciusko, Indiana 1 $ 168,000 $ 168,000 $ 36,000
Vanderburgh, Indiana 1 $ 250,000 $ 250,000 $ 95,000
Ford, Kansas 1 $ 121,000 $ 121,000 $ 75,000
Pottawatomie, Kansas 1 $ 246,000 $ 246,000 $ 19,000
Saline, Kansas 1 $ 108,000 $ 108,000 $ 58,000
Orleans, Louisiana 1 $ 128,000 $ 128,000 $ 199,000
Suffolk, Massachusetts 1 $ 290,000 $ 290,000 $ 0
Kent, Michigan 1 $ 223,000 $ 223,000 $ 120,000
Macomb, Michigan 1 $ 208,000 $ 208,000 $ 96,000
Oakland, Michigan 1 $ 444,000 $ 444,000 $ 200,000
Stearns, Minnesota 1 $ 178,000 $ 178,000 $ 105,000
Lafayette, Mississippi 1 $ 110,000 $ 110,000 $ 180,000
Adair, Missouri 1 $ 157,000 $ 157,000 $ 60,000
Caldwell, Missouri 1 $ 80,000 $ 80,000 $ 57,000
Cedar, Missouri 1 $ 100,000 $ 100,000 $ 24,000
Chariton, Missouri 1 $ 142,000 $ 142,000 $ 135,000
Daviess, Missouri 1 $ 82,000 $ 82,000 $ 33,000
Livingston, Missouri 1 $ 120,000 $ 120,000 $ 92,000
Mississippi, Missouri 1 $ 86,000 $ 86,000 $ 54,000
Monroe, Missouri 1 $ 49,000 $ 49,000 $ 78,000
Osage, Missouri 1 $ 246,000 $ 246,000 $ 125,000
Ray, Missouri 1 $ 136,000 $ 136,000 $ 52,000
Schuyler, Missouri 1 $ 88,000 $ 88,000 $ 66,000
Flathead, Montana 1 $ 325,000 $ 325,000 $ 187,000
Gallatin, Montana 1 $ 337,000 $ 337,000 $ 186,000
Sarpy, Nebraska 1 $ 145,000 $ 145,000 $ 70,000
Hudson, New Jersey 1 $ 360,000 $ 360,000 $ 150,000
Buncombe, North Carolina 1 $ 125,000 $ 125,000 $ 101,000
Guilford, North Carolina 1 $ 456,000 $ 456,000 $ 211,000
Grand Forks, North Dakota 1 $ 60,000 $ 60,000 $ 150,000
Fulton, Ohio 1 $ 110,000 $ 110,000 $ 50,000
Hamilton, Ohio 1 $ 115,000 $ 115,000 $ 47,000
Love, Oklahoma 1 $ 230,000 $ 230,000 $ 90,000
Pittsburg, Oklahoma 1 $ 71,000 $ 71,000 $ 126,000
Tulsa, Oklahoma 1 $ 99,000 $ 99,000 $ 39,000
Jackson, Oregon 1 $ 347,000 $ 347,000 $ 0
Beaufort, South Carolina 1 $ 313,000 $ 313,000 $ 335,000
Charleston, South Carolina 1 $ 50,000 $ 50,000 $ 149,000
Williamson, Tennessee 1 $ 338,000 $ 338,000 $ 110,000
Bexar, Texas 1 $ 120,000 $ 120,000 $ 51,000
Fort Bend, Texas 1 $ 220,000 $ 220,000 $ 85,000
Harris, Texas 1 $ 225,000 $ 225,000 $ 90,000
Montgomery, Texas 1 $ 157,000 $ 157,000 $ 145,000
Tarrant, Texas 1 $ 650,000 $ 650,000 $ 219,000
Travis, Texas 1 $ 544,000 $ 544,000 $ 175,000
Washington, Texas 1 $ 220,000 $ 220,000 $ 100,000
Washington, Utah 1 $ 119,000 $ 119,000 $ 90,000
Arlington, Virginia 1 $ 340,000 $ 340,000 $ 136,000
Milwaukee, Wisconsin 1 $ 190,000 $ 190,000 $ 0
Teton, Wyoming 1 $ 200,000 $ 200,000 $ 52,000

Mortgage Loan Application Detail Totals for Pulaski 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
Home Purchase 6,003 $843,970,000 $228,692 $1,500,000 $121,692 $3,219,000
Refinancing 2,753 $471,838,000 $248,333 $4,800,000 $148,428 $2,072,000
Home Improvement 55 $7,833,000 $134,000 $424,000 $64,666 $302,000

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 7,750 $1,164,455,000 $223,368 $1,500,000 $123,947 $3,219,000
Not Provided 397 $57,764,000 $237,583 $800,000 $115,666 $574,000
Black or African American 361 $38,858,000 $129,333 $556,000 $107,666 $1,000,000
Asian 145 $29,059,000 $252,500 $1,260,000 $50,166 $997,000
Hispanic 128 $16,665,000 $147,800 $1,000,000 $102,400 $336,000
Not applicable 16 $15,233,000 $952,000 $4,800,000 $0 $0
Native Hawaiian or Other Pacific Islander 7 $895,000 $118,500 $310,000 $77,000 $133,000
American Indian or Alaskan Native 7 $712,000 $105,000 $268,000 $80,500 $131,000

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) 8,018 $1,220,417,000 $220,075 $4,800,000 $121,425 $3,219,000
FHA-insured (Federal Housing Administration) 706 $88,775,000 $135,250 $255,000 $49,500 $320,000
VA-guaranteed (Veterans Administration) 87 $14,449,000 $207,000 $339,000 $51,250 $188,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 7,945 $1,184,361,000 $219,125 $4,800,000 $123,125 $3,219,000
Application Withdrawn By Applicant 557 $90,790,000 $206,111 $2,905,000 $144,888 $990,000
Application Approved But Not Accepted 186 $30,006,000 $219,428 $676,000 $73,285 $720,000
Application Denied By Financial Institution 123 $18,484,000 $205,200 $776,000 $112,600 $761,000
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
Collateral 41 $7,299,000 $217,000 $672,000 $113,250 $420,000
Credit History 33 $4,201,000 $125,000 $293,000 $212,000 $761,000
Insufficient Cash (Downpayment, Closing Cost) 24 $3,397,000 $195,333 $776,000 $37,666 $245,000
Debt-To-Income Ratio 17 $2,584,000 $157,000 $269,000 $53,000 $84,000
Unverifiable Information 6 $740,000 $153,000 $198,000 $67,500 $76,000
Other 1 $124,000 $124,000 $124,000 $94,000 $94,000
Employment History 1 $139,000 $139,000 $139,000 $38,000 $38,000
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'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 Pulaski 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.

Download the Missouri Lender List