Pulaski Bank Mortgage Lending & HMDA Data, 2007
In 2007, Pulaski Bank of St Louis, MO reported 10,043 mortgage applications totaling $1.6 billion, up 3% from 2006. The average application was for $162,855, and applicants reported an average income of $91,113. 88% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (6,473), Kansas City, MO-KS (3,043) and Lawrence, KS (41) (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 | 10,043 |
| Total Mortgage Loan Application Amount | $1,635,557,000 |
| Average Mortgage Loan Application Amount | $162,855 |
| Highest Mortgage Loan Application Amount | $6,106,000 |
| Average Applicant Income | $91,113 |
| Highest Applicant Income | $5,168,000 |
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Act (HMDA) records Pulaski Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,473 | $ 1,041,566,000 | $ 160,909 | $ 87,544 |
| Kansas City, MO-KS | 3,043 | $ 492,652,000 | $ 161,896 | $ 93,319 |
| Lawrence, KS | 41 | $ 6,395,000 | $ 155,975 | $ 97,000 |
| Columbia, MO | 14 | $ 3,644,000 | $ 260,285 | $ 132,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 3,767,000 | $ 269,071 | $ 157,000 |
| Chicago-Naperville-Joliet, IL | 13 | $ 4,415,000 | $ 339,615 | $ 132,000 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 2,289,000 | $ 254,333 | $ 144,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,721,000 | $ 215,125 | $ 164,000 |
| Denver-Aurora, CO | 7 | $ 940,000 | $ 134,285 | $ 123,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 902,000 | $ 128,857 | $ 70,000 |
| Springfield, MO | 7 | $ 1,109,000 | $ 158,428 | $ 75,000 |
| Topeka, KS | 7 | $ 660,000 | $ 94,285 | $ 178,000 |
| Naples-Marco Island, FL | 6 | $ 2,604,000 | $ 434,000 | $ 532,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,400,000 | $ 233,333 | $ 136,000 |
| Wichita, KS | 6 | $ 918,000 | $ 153,000 | $ 86,000 |
| Columbus, OH | 5 | $ 886,000 | $ 177,200 | $ 114,000 |
| Joplin, MO | 5 | $ 644,000 | $ 128,800 | $ 96,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 858,000 | $ 171,600 | $ 128,000 |
| Raleigh-Cary, NC | 5 | $ 681,000 | $ 136,200 | $ 139,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 971,000 | $ 194,200 | $ 119,000 |
| Charlotte-Gastonia-Concord, NC-SC | 4 | $ 687,000 | $ 171,750 | $ 171,000 |
| Dallas-Plano-Irving, TX | 4 | $ 683,000 | $ 170,750 | $ 99,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 1,424,000 | $ 356,000 | $ 220,000 |
| Jefferson City, MO | 4 | $ 428,000 | $ 107,000 | $ 76,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 656,000 | $ 164,000 | $ 69,000 |
| St. Joseph, MO-KS | 4 | $ 514,000 | $ 128,500 | $ 70,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,874,000 | $ 468,500 | $ 174,750 |
| Boise City-Nampa, ID | 3 | $ 953,000 | $ 317,666 | $ 93,000 |
| Charleston-North Charleston, SC | 3 | $ 457,000 | $ 152,333 | $ 65,000 |
| Clarksville, TN-KY | 3 | $ 609,000 | $ 203,000 | $ 90,666 |
| Colorado Springs, CO | 3 | $ 527,000 | $ 175,666 | $ 65,000 |
| Oklahoma City, OK | 3 | $ 519,000 | $ 173,000 | $ 112,000 |
| Orlando-Kissimmee, FL | 3 | $ 921,000 | $ 307,000 | $ 188,000 |
| Richmond, VA | 3 | $ 798,000 | $ 266,000 | $ 105,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,916,000 | $ 958,000 | $ 301,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 658,000 | $ 329,000 | $ 190,000 |
| Durham, NC | 2 | $ 449,000 | $ 224,500 | $ 180,000 |
| Fort Collins-Loveland, CO | 2 | $ 216,000 | $ 108,000 | $ 125,000 |
| Indianapolis-Carmel, IN | 2 | $ 247,000 | $ 123,500 | $ 90,000 |
| Jacksonville, FL | 2 | $ 756,000 | $ 378,000 | $ 155,000 |
| Mobile, AL | 2 | $ 367,000 | $ 183,500 | $ 20,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 729,000 | $ 364,500 | $ 160,000 |
| Reno-Sparks, NV | 2 | $ 452,000 | $ 226,000 | $ 216,000 |
| Salt Lake City, UT | 2 | $ 756,000 | $ 378,000 | $ 610,000 |
| San Antonio, TX | 2 | $ 266,000 | $ 133,000 | $ 156,000 |
| Austin-Round Rock, TX | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 750,000 | $ 750,000 | $ 1,388,000 |
| Birmingham-Hoover, AL | 1 | $ 194,000 | $ 194,000 | $ 85,000 |
| Bloomington-Normal, IL | 1 | $ 144,000 | $ 144,000 | $ 41,000 |
| Boulder, CO | 1 | $ 187,000 | $ 187,000 | $ 73,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Champaign-Urbana, IL | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Des Moines-West Des Moines, IA | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Fort Worth-Arlington, TX | 1 | $ 148,000 | $ 148,000 | $ 167,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 126,000 | $ 126,000 | $ 59,000 |
| Iowa City, IA | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 73,000 | $ 73,000 | $ 32,000 |
| Lafayette, IN | 1 | $ 128,000 | $ 128,000 | $ 130,000 |
| Lafayette, LA | 1 | $ 187,000 | $ 187,000 | $ 112,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 337,000 | $ 337,000 | $ 135,000 |
| Las Vegas-Paradise, NV | 1 | $ 510,000 | $ 510,000 | $ 199,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 350,000 | $ 350,000 | $ 110,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 1,700,000 | $ 1,700,000 | $ 0 |
| Madison, WI | 1 | $ 166,000 | $ 166,000 | $ 201,000 |
| Memphis, TN-MS-AR | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 49,000 | $ 49,000 | $ 90,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 188,000 | $ 188,000 | $ 77,000 |
| Newark-Union, NJ-PA | 1 | $ 808,000 | $ 808,000 | $ 873,000 |
| Palm Coast, FL | 1 | $ 142,000 | $ 142,000 | $ 27,000 |
| Panama City-Lynn Haven, FL | 1 | $ 120,000 | $ 120,000 | $ 49,000 |
| Pascagoula, MS | 1 | $ 186,000 | $ 186,000 | $ 114,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 182,000 | $ 182,000 | $ 63,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 544,000 | $ 544,000 | $ 698,000 |
| Salem, OR | 1 | $ 266,000 | $ 266,000 | $ 78,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 588,000 | $ 588,000 | $ 224,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 406,000 | $ 406,000 | $ 120,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 225,000 | $ 225,000 | $ 204,000 |
| Tacoma, WA | 1 | $ 212,000 | $ 212,000 | $ 112,000 |
| Tulsa, OK | 1 | $ 133,000 | $ 133,000 | $ 91,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 228,000 | $ 228,000 | $ 106,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 152,000 | $ 152,000 | $ 161,000 |
Mortgage Loan Application Detail Totals for Pulaski Bank in 2007
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 | 7,120 | $1,114,579,000 | $156,000 | $2,487,000 | $89,000 | $5,168,000 |
| Refinancing | 2,796 | $504,731,000 | $180,000 | $6,106,000 | $97,000 | $1,774,000 |
| Home Improvement | 127 | $16,247,000 | $127,000 | $600,000 | $80,000 | $360,000 |
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 | 8,005 | $1,295,374,000 | $161,000 | $1,750,000 | $92,000 | $5,168,000 |
| Not Provided | 1,222 | $208,088,000 | $170,000 | $1,231,000 | $100,000 | $1,020,000 |
| Black or African American | 454 | $57,326,000 | $126,000 | $700,000 | $67,000 | $650,000 |
| Hispanic | 155 | $23,272,000 | $150,000 | $1,000,000 | $75,000 | $480,000 |
| Asian | 154 | $28,112,000 | $182,000 | $2,000,000 | $96,000 | $462,000 |
| Not applicable | 37 | $20,736,000 | $560,000 | $6,106,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $1,420,000 | $177,000 | $377,000 | $81,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,229,000 | $153,000 | $288,000 | $96,000 | $180,000 |
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) | 8,834 | $1,474,991,000 | $166,000 | $6,106,000 | $96,000 | $5,168,000 |
| FHA-insured (Federal Housing Administration) | 1,072 | $137,301,000 | $128,000 | $313,000 | $55,000 | $624,000 |
| VA-guaranteed (Veterans Administration) | 136 | $23,132,000 | $170,000 | $348,000 | $67,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $133,000 | $133,000 | $133,000 | $37,000 | $37,000 |
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 | 8,881 | $1,447,115,000 | $162,000 | $6,106,000 | $92,000 | $5,168,000 |
| Application Withdrawn By Applicant | 790 | $126,260,000 | $159,000 | $1,080,000 | $80,000 | $900,000 |
| Application Denied By Financial Institution | 197 | $32,953,000 | $167,000 | $1,000,000 | $80,000 | $1,000,000 |
| Application Approved But Not Accepted | 175 | $29,229,000 | $167,000 | $1,360,000 | $105,000 | $996,000 |
| 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 | 76 | $13,290,000 | $174,000 | $1,000,000 | $105,000 | $1,000,000 |
| Debt-To-Income Ratio | 39 | $6,419,000 | $164,000 | $480,000 | $55,000 | $224,000 |
| Credit History | 36 | $5,487,000 | $152,000 | $880,000 | $80,000 | $949,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $2,857,000 | $124,000 | $223,000 | $63,000 | $210,000 |
| Unverifiable Information | 10 | $1,832,000 | $183,000 | $563,000 | $54,000 | $168,000 |
| Other | 5 | $1,128,000 | $225,000 | $414,000 | $45,000 | $90,000 |
| Employment History | 5 | $566,000 | $113,000 | $160,000 | $40,000 | $75,000 |
| Credit Application Incomplete | 3 | $1,374,000 | $458,000 | $960,000 | $112,000 | $230,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pulaski Bank's 2007 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.
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