Pulaski Bank Mortgage Lending & HMDA Data, 2010
In 2010, Pulaski Bank of St Louis, MO reported 12,885 mortgage applications totaling $2.3 billion, down 17% from 2009. The average application was for $179,630, and applicants reported an average income of $92,811. 86% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (7,299), Kansas City, MO-KS (4,794) and Lawrence, KS (112) (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 | 12,885 |
| Total Mortgage Loan Application Amount | $2,314,539,000 |
| Average Mortgage Loan Application Amount | $179,630 |
| Highest Mortgage Loan Application Amount | $1,288,000 |
| Average Applicant Income | $92,811 |
| Highest Applicant Income | $1,694,000 |
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Act (HMDA) records Pulaski Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 7,299 | $ 1,267,327,000 | $ 173,630 | $ 89,905 |
| Kansas City, MO-KS | 4,794 | $ 895,754,000 | $ 186,848 | $ 92,899 |
| Lawrence, KS | 112 | $ 18,333,000 | $ 163,687 | $ 101,000 |
| Wichita, KS | 56 | $ 9,784,000 | $ 174,714 | $ 72,000 |
| Chicago-Joliet-Naperville, IL | 25 | $ 7,015,000 | $ 280,600 | $ 128,000 |
| Topeka, KS | 21 | $ 3,659,000 | $ 174,238 | $ 70,000 |
| Columbia, MO | 14 | $ 2,017,000 | $ 144,071 | $ 81,000 |
| Phoenix-Mesa-Glendale, AZ | 13 | $ 3,332,000 | $ 256,307 | $ 150,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 3,730,000 | $ 310,833 | $ 203,666 |
| Atlanta-Sandy Springs-Marietta, GA | 11 | $ 2,665,000 | $ 242,272 | $ 115,000 |
| Cape Girardeau-Jackson, MO-IL | 11 | $ 2,140,000 | $ 194,545 | $ 102,000 |
| Dallas-Plano-Irving, TX | 10 | $ 2,094,000 | $ 209,400 | $ 154,000 |
| Denver-Aurora-Broomfield, CO | 10 | $ 2,335,000 | $ 233,500 | $ 131,000 |
| Manhattan, KS | 9 | $ 1,083,000 | $ 120,333 | $ 96,000 |
| Springfield, MO | 9 | $ 1,787,000 | $ 198,555 | $ 167,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 1,251,000 | $ 178,714 | $ 131,000 |
| St. Joseph, MO-KS | 7 | $ 1,126,000 | $ 160,857 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,765,000 | $ 294,166 | $ 139,000 |
| Austin-Round Rock-San Marcos, TX | 5 | $ 844,000 | $ 168,800 | $ 67,000 |
| North Port-Bradenton-Sarasota, FL | 5 | $ 1,165,000 | $ 233,000 | $ 409,000 |
| Oklahoma City, OK | 5 | $ 777,000 | $ 155,400 | $ 81,000 |
| Philadelphia, PA | 5 | $ 1,576,000 | $ 315,200 | $ 147,000 |
| Bethesda-Rockville-Frederick, MD | 4 | $ 1,441,000 | $ 360,250 | $ 184,000 |
| Indianapolis-Carmel, IN | 4 | $ 624,000 | $ 156,000 | $ 109,000 |
| Joplin, MO | 4 | $ 346,000 | $ 86,500 | $ 27,000 |
| Naples-Marco Island, FL | 4 | $ 1,342,000 | $ 335,500 | $ 292,000 |
| Nassau-Suffolk, NY | 4 | $ 1,214,000 | $ 303,500 | $ 216,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 861,000 | $ 215,250 | $ 203,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 405,000 | $ 135,000 | $ 67,000 |
| Des Moines-West Des Moines, IA | 3 | $ 446,000 | $ 148,666 | $ 79,000 |
| Fort Collins-Loveland, CO | 3 | $ 991,000 | $ 330,333 | $ 318,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 821,000 | $ 273,666 | $ 84,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,016,000 | $ 338,666 | $ 140,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 758,000 | $ 252,666 | $ 102,000 |
| Jefferson City, MO | 3 | $ 374,000 | $ 124,666 | $ 98,000 |
| Lincoln, NE | 3 | $ 502,000 | $ 167,333 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 867,000 | $ 289,000 | $ 283,000 |
| Richmond, VA | 3 | $ 626,000 | $ 208,666 | $ 71,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 857,000 | $ 285,666 | $ 252,000 |
| Tulsa, OK | 3 | $ 642,000 | $ 214,000 | $ 126,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 831,000 | $ 277,000 | $ 84,000 |
| Amarillo, TX | 2 | $ 458,000 | $ 229,000 | $ 112,000 |
| Baltimore-Towson, MD | 2 | $ 660,000 | $ 330,000 | $ 106,000 |
| Cedar Rapids, IA | 2 | $ 198,000 | $ 99,000 | $ 26,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 392,000 | $ 196,000 | $ 132,000 |
| Dothan, AL | 2 | $ 242,000 | $ 121,000 | $ 92,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 421,000 | $ 210,500 | $ 183,000 |
| Lafayette, IN | 2 | $ 275,000 | $ 137,500 | $ 116,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 583,000 | $ 291,500 | $ 183,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 532,000 | $ 266,000 | $ 98,500 |
| Madison, WI | 2 | $ 496,000 | $ 248,000 | $ 89,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 625,000 | $ 312,500 | $ 117,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 733,000 | $ 366,500 | $ 340,000 |
| Punta Gorda, FL | 2 | $ 120,000 | $ 60,000 | $ 51,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 832,000 | $ 416,000 | $ 317,000 |
| Abilene, TX | 1 | $ 189,000 | $ 189,000 | $ 61,000 |
| Anchorage, AK | 1 | $ 551,000 | $ 551,000 | $ 206,000 |
| Birmingham-Hoover, AL | 1 | $ 87,000 | $ 87,000 | $ 19,000 |
| Bloomington-Normal, IL | 1 | $ 140,000 | $ 140,000 | $ 87,000 |
| Boulder, CO | 1 | $ 417,000 | $ 417,000 | $ 224,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 95,000 | $ 95,000 | $ 131,000 |
| Coeur D'Alene, ID | 1 | $ 340,000 | $ 340,000 | $ 386,000 |
| Colorado Springs, CO | 1 | $ 96,000 | $ 96,000 | $ 116,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 110,000 | $ 110,000 | $ 116,000 |
| Edison-New Brunswick, NJ | 1 | $ 228,000 | $ 228,000 | $ 142,000 |
| Fond Du Lac, WI | 1 | $ 196,000 | $ 196,000 | $ 88,000 |
| Fort Wayne, IN | 1 | $ 125,000 | $ 125,000 | $ 117,000 |
| Gainesville, FL | 1 | $ 186,000 | $ 186,000 | $ 46,000 |
| Gary, IN | 1 | $ 403,000 | $ 403,000 | $ 133,000 |
| Green Bay, WI | 1 | $ 191,000 | $ 191,000 | $ 60,000 |
| Gulfport-Biloxi, MS | 1 | $ 271,000 | $ 271,000 | $ 57,000 |
| Hattiesburg, MS | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Jacksonville, FL | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Jacksonville, NC | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Kankakee-Bradley, IL | 1 | $ 330,000 | $ 330,000 | $ 122,000 |
| Las Vegas-Paradise, NV | 1 | $ 109,000 | $ 109,000 | $ 70,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 241,000 | $ 241,000 | $ 84,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 140,000 | $ 140,000 | $ 189,000 |
| Mobile, AL | 1 | $ 178,000 | $ 178,000 | $ 44,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 417,000 | $ 417,000 | $ 548,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 263,000 | $ 263,000 | $ 613,000 |
| Newark-Union, NJ-PA | 1 | $ 499,000 | $ 499,000 | $ 95,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 417,000 | $ 417,000 | $ 220,000 |
| Pittsburgh, PA | 1 | $ 106,000 | $ 106,000 | $ 33,000 |
| Prescott, AZ | 1 | $ 252,000 | $ 252,000 | $ 145,000 |
| Raleigh-Cary, NC | 1 | $ 280,000 | $ 280,000 | $ 105,000 |
| Reno-Sparks, NV | 1 | $ 148,000 | $ 148,000 | $ 126,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 171,000 | $ 171,000 | $ 91,000 |
| Rochester, MN | 1 | $ 171,000 | $ 171,000 | $ 160,000 |
| Rochester, NY | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Rockford, IL | 1 | $ 144,000 | $ 144,000 | $ 47,000 |
| San Antonio-New Braunfels, TX | 1 | $ 273,000 | $ 273,000 | $ 202,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 230,000 | $ 230,000 | $ 144,000 |
| Springfield, MA | 1 | $ 286,000 | $ 286,000 | $ 197,000 |
| State College, PA | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Stockton, CA | 1 | $ 250,000 | $ 250,000 | $ 101,000 |
| Tacoma, WA | 1 | $ 304,000 | $ 304,000 | $ 72,000 |
| Wausau, WI | 1 | $ 90,000 | $ 90,000 | $ 185,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 374,000 | $ 374,000 | $ 128,000 |
| Wilmington, NC | 1 | $ 405,000 | $ 405,000 | $ 256,000 |
| Worcester, MA | 1 | $ 500,000 | $ 500,000 | $ 327,000 |
Mortgage Loan Application Detail Totals for Pulaski Bank in 2010
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 | 6,791 | $1,345,026,000 | $198,000 | $1,261,000 | $107,000 | $1,540,000 |
| Home Purchase | 6,094 | $969,513,000 | $159,000 | $1,288,000 | $77,000 | $1,694,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 10,677 | $1,936,597,000 | $181,000 | $1,288,000 | $94,000 | $1,694,000 |
| Not Provided | 1,268 | $218,725,000 | $172,000 | $900,000 | $86,000 | $1,427,000 |
| Black or African American | 449 | $58,194,000 | $129,000 | $417,000 | $58,000 | $665,000 |
| Asian | 270 | $56,472,000 | $209,000 | $624,000 | $124,000 | $613,000 |
| Hispanic | 164 | $30,885,000 | $188,000 | $768,000 | $89,000 | $854,000 |
| American Indian or Alaskan Native | 25 | $4,481,000 | $179,000 | $417,000 | $102,000 | $229,000 |
| Not applicable | 19 | $6,839,000 | $359,000 | $1,261,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,346,000 | $180,000 | $364,000 | $168,000 | $970,000 |
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) | 8,657 | $1,685,347,000 | $194,000 | $1,288,000 | $110,000 | $1,694,000 |
| FHA-insured (Federal Housing Administration) | 3,588 | $519,851,000 | $144,000 | $499,000 | $58,000 | $864,000 |
| VA-guaranteed (Veterans Administration) | 434 | $82,596,000 | $190,000 | $417,000 | $56,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 206 | $26,745,000 | $129,000 | $255,000 | $46,000 | $199,000 |
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 | 11,043 | $1,988,329,000 | $180,000 | $1,261,000 | $94,000 | $1,694,000 |
| Application Withdrawn By Applicant | 1,371 | $249,885,000 | $182,000 | $1,288,000 | $90,000 | $1,540,000 |
| Application Denied By Financial Institution | 386 | $61,166,000 | $158,000 | $1,000,000 | $80,000 | $780,000 |
| Application Approved But Not Accepted | 68 | $11,415,000 | $167,000 | $1,000,000 | $86,000 | $780,000 |
| File Closed For Incompleteness | 17 | $3,744,000 | $220,000 | $740,000 | $102,000 | $338,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 119 | $19,593,000 | $164,000 | $722,000 | $95,000 | $332,000 |
| Debt-To-Income Ratio | 87 | $15,030,000 | $172,000 | $1,000,000 | $70,000 | $780,000 |
| Other | 78 | $10,911,000 | $139,000 | $417,000 | $89,000 | $510,000 |
| Credit History | 51 | $8,365,000 | $164,000 | $848,000 | $67,000 | $428,000 |
| Unverifiable Information | 16 | $2,203,000 | $137,000 | $412,000 | $50,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,972,000 | $131,000 | $416,000 | $66,000 | $157,000 |
| Employment History | 13 | $2,447,000 | $188,000 | $352,000 | $70,000 | $150,000 |
| Credit Application Incomplete | 5 | $450,000 | $90,000 | $152,000 | $44,000 | $68,000 |
| Mortgage Insurance Denied | 2 | $195,000 | $97,000 | $112,000 | $93,000 | $118,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pulaski Bank's 2010 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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