Pulaski Bank Mortgage Lending & HMDA Data, 2006

In 2006, Pulaski Bank of St Louis, MO reported 9,730 mortgage applications totaling $1.5 billion, up 10% from 2005. The average application was for $149,957, and applicants reported an average income of $92,724. 89% of its applications resulted in an originated loan and 1% were denied. Its largest markets were St. Louis, MO-IL (6,235), Kansas City, MO-KS (3,007) and Lawrence, KS (45) (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 9,730
Total Mortgage Loan Application Amount $1,459,087,000
Average Mortgage Loan Application Amount $149,957
Highest Mortgage Loan Application Amount $5,895,000
Average Applicant Income $92,724
Highest Applicant Income $8,799,000

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Act (HMDA) records Pulaski Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

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 2,948 $ 479,842,000 $ 162,768 $ 94,000
Johnson, Kansas 1,749 $ 280,803,000 $ 160,550 $ 104,000
St. Charles, Missouri 1,457 $ 210,528,000 $ 144,494 $ 84,000
St. Louis City, Missouri 857 $ 120,110,000 $ 140,151 $ 83,000
Jackson, Missouri 784 $ 95,305,000 $ 121,562 $ 86,000
Jefferson, Missouri 571 $ 67,642,000 $ 118,462 $ 66,000
Cass, Missouri 105 $ 14,811,000 $ 141,057 $ 99,000
Lincoln, Missouri 104 $ 15,084,000 $ 145,038 $ 64,000
Wyandotte, Kansas 99 $ 9,773,000 $ 98,717 $ 65,000
Clay, Missouri 96 $ 12,225,000 $ 127,343 $ 112,000
Miami, Kansas 78 $ 8,753,000 $ 112,217 $ 78,000
Warren, Missouri 78 $ 9,306,000 $ 119,307 $ 65,000
St. Clair, Illinois 66 $ 8,684,000 $ 131,575 $ 77,000
Franklin, Missouri 64 $ 9,134,000 $ 142,718 $ 78,000
Platte, Missouri 49 $ 7,867,000 $ 160,551 $ 89,000
Madison, Illinois 45 $ 6,185,000 $ 137,444 $ 72,000
Douglas, Kansas 45 $ 6,267,000 $ 139,266 $ 92,000
Camden, Missouri 44 $ 6,496,000 $ 147,636 $ 142,000
St. Francois, Missouri 42 $ 5,092,000 $ 121,238 $ 71,000
Monroe, Illinois 27 $ 3,641,000 $ 134,851 $ 86,000
Leavenworth, Kansas 27 $ 3,223,000 $ 119,370 $ 84,000
Ste. Genevieve, Missouri 22 $ 2,200,000 $ 100,000 $ 61,000
Boone, Missouri 15 $ 1,686,000 $ 112,400 $ 125,000
Cook, Illinois 13 $ 3,176,000 $ 244,307 $ 135,000
Maricopa, Arizona 11 $ 2,910,000 $ 264,545 $ 244,000
Cape Girardeau, Missouri 11 $ 1,217,000 $ 110,636 $ 66,000
Johnson, Missouri 11 $ 1,222,000 $ 111,090 $ 111,000
Sedgwick, Kansas 9 $ 684,000 $ 76,000 $ 91,000
Pima, Arizona 7 $ 2,097,000 $ 299,571 $ 211,000
Douglas, Nebraska 7 $ 646,000 $ 92,285 $ 193,000
Franklin, Kansas 6 $ 911,000 $ 151,833 $ 102,000
Buchanan, Missouri 6 $ 394,000 $ 65,666 $ 251,000
Washington, Missouri 6 $ 475,000 $ 79,166 $ 37,000
Fulton, Georgia 5 $ 2,125,000 $ 425,000 $ 239,000
Calhoun, Illinois 5 $ 613,000 $ 122,600 $ 30,000
Linn, Kansas 5 $ 350,000 $ 70,000 $ 55,000
Clinton, Missouri 5 $ 508,000 $ 101,600 $ 96,000
Greene, Missouri 5 $ 923,000 $ 184,600 $ 86,000
Morgan, Missouri 5 $ 413,000 $ 82,600 $ 75,000
Shelby, Tennessee 5 $ 1,398,000 $ 279,600 $ 191,000
Collier, Florida 4 $ 1,221,000 $ 305,250 $ 366,000
Lee, Florida 4 $ 967,000 $ 241,750 $ 100,000
Jersey, Illinois 4 $ 253,000 $ 63,250 $ 41,000
Shawnee, Kansas 4 $ 445,000 $ 111,250 $ 73,000
Bates, Missouri 4 $ 528,000 $ 132,000 $ 102,000
Gasconade, Missouri 4 $ 514,000 $ 128,500 $ 152,000
Tulsa, Oklahoma 4 $ 461,000 $ 115,250 $ 94,000
Dallas, Texas 4 $ 453,000 $ 113,250 $ 641,000
Adams, Colorado 3 $ 220,000 $ 73,333 $ 84,000
Denver, Colorado 3 $ 833,000 $ 277,666 $ 331,000
Orange, Florida 3 $ 802,000 $ 267,333 $ 166,000
Volusia, Florida 3 $ 1,068,000 $ 356,000 $ 188,000
Clinton, Illinois 3 $ 406,000 $ 135,333 $ 58,000
Callaway, Missouri 3 $ 278,000 $ 92,666 $ 65,000
Marion, Missouri 3 $ 266,000 $ 88,666 $ 42,000
Pike, Missouri 3 $ 286,000 $ 95,333 $ 49,000
Ralls, Missouri 3 $ 119,000 $ 39,666 $ 50,000
Henderson, North Carolina 3 $ 456,000 $ 152,000 $ 95,000
Wake, North Carolina 3 $ 317,000 $ 105,666 $ 123,000
Rogers, Oklahoma 3 $ 324,000 $ 108,000 $ 75,000
Lane, Oregon 3 $ 1,403,000 $ 467,666 $ 231,000
Collin, Texas 3 $ 512,000 $ 170,666 $ 68,000
King, Washington 3 $ 2,233,000 $ 744,333 $ 233,000
Jefferson, Alabama 2 $ 249,000 $ 124,500 $ 70,000
Pinal, Arizona 2 $ 297,000 $ 148,500 $ 400,000
Benton, Arkansas 2 $ 236,000 $ 118,000 $ 116,000
Orange, California 2 $ 393,000 $ 196,500 $ 106,000
Riverside, California 2 $ 417,000 $ 208,500 $ 118,000
Douglas, Colorado 2 $ 313,000 $ 156,500 $ 106,000
Gunnison, Colorado 2 $ 895,000 $ 447,500 $ 302,000
Fairfield, Connecticut 2 $ 1,036,000 $ 518,000 $ 351,000
Alachua, Florida 2 $ 220,000 $ 110,000 $ 84,000
Okaloosa, Florida 2 $ 608,000 $ 304,000 $ 223,000
Glynn, Georgia 2 $ 238,000 $ 119,000 $ 50,000
DuPage, Illinois 2 $ 281,000 $ 140,500 $ 144,000
McLean, Illinois 2 $ 475,000 $ 237,500 $ 125,000
Jefferson, Kansas 2 $ 185,000 $ 92,500 $ 104,000
Riley, Kansas 2 $ 74,000 $ 37,000 $ 90,000
Oldham, Kentucky 2 $ 455,000 $ 227,500 $ 122,000
Olmsted, Minnesota 2 $ 191,000 $ 95,500 $ 87,000
Ramsey, Minnesota 2 $ 230,000 $ 115,000 $ 115,000
Scott, Minnesota 2 $ 311,000 $ 155,500 $ 75,000
DeSoto, Mississippi 2 $ 188,000 $ 94,000 $ 90,000
Benton, Missouri 2 $ 108,000 $ 54,000 $ 58,000
Crawford, Missouri 2 $ 154,000 $ 77,000 $ 98,000
Montgomery, Missouri 2 $ 206,000 $ 103,000 $ 41,000
Pettis, Missouri 2 $ 676,000 $ 338,000 $ 291,000
Phelps, Missouri 2 $ 96,000 $ 48,000 $ 190,000
Stone, Missouri 2 $ 293,000 $ 146,500 $ 102,000
Taney, Missouri 2 $ 158,000 $ 79,000 $ 82,000
Clark, Nevada 2 $ 1,280,000 $ 640,000 $ 264,000
Ulster, New York 2 $ 360,000 $ 180,000 $ 173,000
Buncombe, North Carolina 2 $ 1,450,000 $ 725,000 $ 522,000
Harnett, North Carolina 2 $ 354,000 $ 177,000 $ 101,000
Iredell, North Carolina 2 $ 413,000 $ 206,500 $ 200,000
Moore, North Carolina 2 $ 200,000 $ 100,000 $ 112,000
Delaware, Oklahoma 2 $ 230,000 $ 115,000 $ 183,000
Horry, South Carolina 2 $ 372,000 $ 186,000 $ 759,000
Williamson, Tennessee 2 $ 497,000 $ 248,500 $ 117,000
Tarrant, Texas 2 $ 275,000 $ 137,500 $ 98,000
Williamson, Texas 2 $ 287,000 $ 143,500 $ 230,000
Lauderdale, Alabama 1 $ 59,000 $ 59,000 $ 62,000
Shelby, Alabama 1 $ 179,000 $ 179,000 $ 48,000
Boone, Arkansas 1 $ 74,000 $ 74,000 $ 180,000
Cleburne, Arkansas 1 $ 400,000 $ 400,000 $ 200,000
Kern, California 1 $ 208,000 $ 208,000 $ 129,000
San Diego, California 1 $ 400,000 $ 400,000 $ 290,000
Boulder, Colorado 1 $ 220,000 $ 220,000 $ 72,000
Eagle, Colorado 1 $ 1,500,000 $ 1,500,000 $ 546,000
El Paso, Colorado 1 $ 322,000 $ 322,000 $ 85,000
Jefferson, Colorado 1 $ 200,000 $ 200,000 $ 90,000
Teller, Colorado 1 $ 229,000 $ 229,000 $ 70,000
Brevard, Florida 1 $ 400,000 $ 400,000 $ 225,000
Broward, Florida 1 $ 1,550,000 $ 1,550,000 $ 3,238,000
Clay, Florida 1 $ 184,000 $ 184,000 $ 118,000
Escambia, Florida 1 $ 80,000 $ 80,000 $ 149,000
Hernando, Florida 1 $ 88,000 $ 88,000 $ 65,000
Leon, Florida 1 $ 375,000 $ 375,000 $ 208,000
Manatee, Florida 1 $ 206,000 $ 206,000 $ 103,000
Pasco, Florida 1 $ 106,000 $ 106,000 $ 69,000
Pinellas, Florida 1 $ 235,000 $ 235,000 $ 364,000
Seminole, Florida 1 $ 320,000 $ 320,000 $ 105,000
Walton, Florida 1 $ 256,000 $ 256,000 $ 219,000
Fayette, Illinois 1 $ 138,000 $ 138,000 $ 67,000
McDonough, Illinois 1 $ 113,000 $ 113,000 $ 60,000
Perry, Illinois 1 $ 121,000 $ 121,000 $ 56,000
Johnson, Indiana 1 $ 81,000 $ 81,000 $ 108,000
Lake, Indiana 1 $ 119,000 $ 119,000 $ 135,000
Scott, Indiana 1 $ 370,000 $ 370,000 $ 186,000
Appanoose, Iowa 1 $ 65,000 $ 65,000 $ 120,000
Crawford, Kansas 1 $ 78,000 $ 78,000 $ 81,000
Ellis, Kansas 1 $ 129,000 $ 129,000 $ 48,000
Lyon, Kansas 1 $ 63,000 $ 63,000 $ 110,000
Montgomery, Kansas 1 $ 48,000 $ 48,000 $ 70,000
Nemaha, Kansas 1 $ 180,000 $ 180,000 $ 82,000
Pottawatomie, Kansas 1 $ 178,000 $ 178,000 $ 104,000
Russell, Kansas 1 $ 116,000 $ 116,000 $ 48,000
East Baton Rouge, Louisiana 1 $ 216,000 $ 216,000 $ 200,000
Carroll, Maryland 1 $ 350,000 $ 350,000 $ 85,000
Prince George's, Maryland 1 $ 180,000 $ 180,000 $ 92,000
Leelanau, Michigan 1 $ 600,000 $ 600,000 $ 120,000
Anoka, Minnesota 1 $ 250,000 $ 250,000 $ 121,000
Cass, Minnesota 1 $ 184,000 $ 184,000 $ 169,000
Andrew, Missouri 1 $ 100,000 $ 100,000 $ 120,000
Butler, Missouri 1 $ 165,000 $ 165,000 $ 180,000
Dent, Missouri 1 $ 213,000 $ 213,000 $ 107,000
Hickory, Missouri 1 $ 112,000 $ 112,000 $ 117,000
Lawrence, Missouri 1 $ 117,000 $ 117,000 $ 78,000
Macon, Missouri 1 $ 67,000 $ 67,000 $ 122,000
Madison, Missouri 1 $ 41,000 $ 41,000 $ 59,000
Mississippi, Missouri 1 $ 37,000 $ 37,000 $ 55,000
Monroe, Missouri 1 $ 45,000 $ 45,000 $ 58,000
Ozark, Missouri 1 $ 124,000 $ 124,000 $ 150,000
Perry, Missouri 1 $ 216,000 $ 216,000 $ 379,000
Polk, Missouri 1 $ 91,000 $ 91,000 $ 82,000
Wayne, Missouri 1 $ 75,000 $ 75,000 $ 33,000
Saunders, Nebraska 1 $ 280,000 $ 280,000 $ 22,000
Camden, New Jersey 1 $ 1,271,000 $ 1,271,000 $ 3,500,000
Hudson, New Jersey 1 $ 352,000 $ 352,000 $ 149,000
Monmouth, New Jersey 1 $ 599,000 $ 599,000 $ 881,000
Morris, New Jersey 1 $ 760,000 $ 760,000 $ 210,000
Passaic, New Jersey 1 $ 744,000 $ 744,000 $ 193,000
Nassau, New York 1 $ 649,000 $ 649,000 $ 213,000
Suffolk, New York 1 $ 1,133,000 $ 1,133,000 $ 590,000
Brunswick, North Carolina 1 $ 200,000 $ 200,000 $ 149,000
Orange, North Carolina 1 $ 680,000 $ 680,000 $ 210,000
Rutherford, North Carolina 1 $ 220,000 $ 220,000 $ 250,000
Cass, North Dakota 1 $ 113,000 $ 113,000 $ 0
Cuyahoga, Ohio 1 $ 596,000 $ 596,000 $ 171,000
Hamilton, Ohio 1 $ 314,000 $ 314,000 $ 147,000
Curry, Oregon 1 $ 271,000 $ 271,000 $ 204,000
Montgomery, Pennsylvania 1 $ 1,100,000 $ 1,100,000 $ 2,065,000
Washington, Pennsylvania 1 $ 91,000 $ 91,000 $ 20,000
Beaufort, South Carolina 1 $ 722,000 $ 722,000 $ 380,000
Lexington, South Carolina 1 $ 59,000 $ 59,000 $ 112,000
York, South Carolina 1 $ 160,000 $ 160,000 $ 174,000
Minnehaha, South Dakota 1 $ 161,000 $ 161,000 $ 77,000
Loudon, Tennessee 1 $ 392,000 $ 392,000 $ 135,000
Brazos, Texas 1 $ 153,000 $ 153,000 $ 52,000
Denton, Texas 1 $ 123,000 $ 123,000 $ 46,000
Albemarle, Virginia 1 $ 650,000 $ 650,000 $ 272,000
Marinette, Wisconsin 1 $ 236,000 $ 236,000 $ 198,000
Milwaukee, Wisconsin 1 $ 176,000 $ 176,000 $ 78,000
Waukesha, Wisconsin 1 $ 524,000 $ 524,000 $ 195,000

Mortgage Loan Application Detail Totals for Pulaski Bank in 2006

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 7,214 $1,055,119,000 $146,000 $5,895,000 $89,000 $3,238,000
Refinancing 2,409 $390,267,000 $162,000 $2,500,000 $104,000 $8,799,000
Home Improvement 107 $13,701,000 $128,000 $1,035,000 $90,000 $645,000

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 8,134 $1,220,192,000 $150,000 $2,500,000 $92,000 $8,799,000
Not Provided 856 $131,061,000 $153,000 $1,177,000 $97,000 $2,065,000
Black or African American 419 $50,730,000 $121,000 $650,000 $104,000 $2,500,000
Asian 164 $25,074,000 $152,000 $549,000 $101,000 $502,000
Hispanic 119 $15,411,000 $129,000 $400,000 $79,000 $386,000
Not applicable 19 $14,027,000 $738,000 $5,895,000 $0 $0
Native Hawaiian or Other Pacific Islander 13 $1,558,000 $119,000 $270,000 $77,000 $125,000
American Indian or Alaskan Native 6 $1,034,000 $172,000 $292,000 $168,000 $300,000

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) 8,811 $1,337,360,000 $151,000 $5,895,000 $97,000 $8,799,000
FHA-insured (Federal Housing Administration) 797 $100,325,000 $125,000 $233,000 $50,000 $291,000
VA-guaranteed (Veterans Administration) 122 $21,402,000 $175,000 $417,000 $62,000 $192,000
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 8,670 $1,305,579,000 $150,000 $5,895,000 $93,000 $8,799,000
Application Withdrawn By Applicant 723 $106,260,000 $146,000 $1,550,000 $95,000 $3,238,000
Application Approved But Not Accepted 231 $31,829,000 $137,000 $1,470,000 $92,000 $1,193,000
Application Denied By Financial Institution 106 $15,419,000 $145,000 $1,000,000 $57,000 $360,000
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 29 $2,888,000 $99,000 $560,000 $46,000 $120,000
Credit History 27 $3,713,000 $137,000 $350,000 $48,000 $220,000
Debt-To-Income Ratio 26 $3,428,000 $131,000 $291,000 $48,000 $150,000
Insufficient Cash (Downpayment, Closing Cost) 11 $1,889,000 $171,000 $381,000 $62,000 $170,000
Unverifiable Information 9 $2,357,000 $261,000 $1,000,000 $112,000 $360,000
Other 2 $402,000 $201,000 $312,000 $46,000 $93,000
Mortgage Insurance Denied 1 $134,000 $134,000 $134,000 $66,000 $66,000
Employment History 1 $608,000 $608,000 $608,000 $351,000 $351,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pulaski Bank's 2006 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.
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