Pulaski Bank Mortgage Lending & HMDA Data, 2009
In 2009, Pulaski Bank of St Louis, MO reported 15,613 mortgage applications totaling $2.7 billion, up 72% from 2008. The average application was for $172,037, and applicants reported an average income of $82,139. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (9,460), Kansas City, MO-KS (5,376) and Lawrence, KS (86) (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 | 15,613 |
| Total Mortgage Loan Application Amount | $2,686,018,000 |
| Average Mortgage Loan Application Amount | $172,037 |
| Highest Mortgage Loan Application Amount | $3,375,000 |
| Average Applicant Income | $82,139 |
| Highest Applicant Income | $4,516,000 |
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Act (HMDA) records Pulaski Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 9,460 | $ 1,556,788,000 | $ 164,565 | $ 77,412 |
| Kansas City, MO-KS | 5,376 | $ 980,885,000 | $ 182,456 | $ 87,719 |
| Lawrence, KS | 86 | $ 14,044,000 | $ 163,302 | $ 89,000 |
| Topeka, KS | 23 | $ 3,544,000 | $ 154,086 | $ 59,000 |
| Chicago-Naperville-Joliet, IL | 16 | $ 4,085,000 | $ 255,312 | $ 127,000 |
| Philadelphia, PA | 16 | $ 4,620,000 | $ 288,750 | $ 135,000 |
| Wichita, KS | 14 | $ 1,917,000 | $ 136,928 | $ 76,000 |
| Columbia, MO | 13 | $ 2,090,000 | $ 160,769 | $ 108,000 |
| Dallas-Plano-Irving, TX | 9 | $ 1,894,000 | $ 210,444 | $ 83,000 |
| Springfield, MO | 9 | $ 1,384,000 | $ 153,777 | $ 54,000 |
| Denver-Aurora-Broomfield, CO | 8 | $ 2,319,000 | $ 289,875 | $ 180,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,982,000 | $ 247,750 | $ 188,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 1,082,000 | $ 154,571 | $ 55,714 |
| Baltimore-Towson, MD | 6 | $ 2,515,000 | $ 419,166 | $ 155,000 |
| Cape Girardeau-Jackson, MO-IL | 6 | $ 1,171,000 | $ 195,166 | $ 43,000 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 1,903,000 | $ 317,166 | $ 189,500 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 1,282,000 | $ 213,666 | $ 144,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,238,000 | $ 206,333 | $ 125,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 1,196,000 | $ 239,200 | $ 109,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,296,000 | $ 259,200 | $ 139,000 |
| Jefferson City, MO | 5 | $ 576,000 | $ 115,200 | $ 81,000 |
| Joplin, MO | 5 | $ 790,000 | $ 158,000 | $ 109,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,491,000 | $ 298,200 | $ 175,000 |
| Orlando-Kissimmee, FL | 5 | $ 1,292,000 | $ 258,400 | $ 176,000 |
| Raleigh-Cary, NC | 5 | $ 1,038,000 | $ 207,600 | $ 101,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,036,000 | $ 259,000 | $ 230,000 |
| Manhattan, KS | 4 | $ 779,000 | $ 194,750 | $ 83,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 1,095,000 | $ 273,750 | $ 132,000 |
| St. Joseph, MO-KS | 4 | $ 519,000 | $ 129,750 | $ 41,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 966,000 | $ 241,500 | $ 175,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,444,000 | $ 361,000 | $ 216,000 |
| Bradenton-Sarasota-Venice, FL | 3 | $ 616,000 | $ 205,333 | $ 109,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 874,000 | $ 291,333 | $ 126,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 765,000 | $ 255,000 | $ 149,000 |
| Fort Worth-Arlington, TX | 3 | $ 428,000 | $ 142,666 | $ 85,000 |
| Iowa City, IA | 3 | $ 481,000 | $ 160,333 | $ 117,000 |
| Naples-Marco Island, FL | 3 | $ 2,581,000 | $ 860,333 | $ 360,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 933,000 | $ 311,000 | $ 170,000 |
| Newark-Union, NJ-PA | 3 | $ 1,448,000 | $ 482,666 | $ 135,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 997,000 | $ 332,333 | $ 169,000 |
| Richmond, VA | 3 | $ 656,000 | $ 218,666 | $ 77,000 |
| San Antonio, TX | 3 | $ 430,000 | $ 143,333 | $ 42,000 |
| Wilmington, NC | 3 | $ 792,000 | $ 264,000 | $ 121,000 |
| Austin-Round Rock, TX | 2 | $ 431,000 | $ 215,500 | $ 85,000 |
| Bethesda-Frederick-Rockville, MD | 2 | $ 561,000 | $ 280,500 | $ 94,000 |
| Boulder, CO | 2 | $ 630,000 | $ 315,000 | $ 162,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 568,000 | $ 284,000 | $ 90,000 |
| Clarksville, TN-KY | 2 | $ 352,000 | $ 176,000 | $ 88,000 |
| Colorado Springs, CO | 2 | $ 486,000 | $ 243,000 | $ 87,000 |
| Dayton, OH | 2 | $ 464,000 | $ 232,000 | $ 67,000 |
| Edison-New Brunswick, NJ | 2 | $ 515,000 | $ 257,500 | $ 158,000 |
| Fort Collins-Loveland, CO | 2 | $ 455,000 | $ 227,500 | $ 200,000 |
| Grand Junction, CO | 2 | $ 384,000 | $ 192,000 | $ 37,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 834,000 | $ 417,000 | $ 309,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 186,000 | $ 93,000 | $ 63,500 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 548,000 | $ 274,000 | $ 105,000 |
| Nassau-Suffolk, NY | 2 | $ 620,000 | $ 310,000 | $ 86,000 |
| Ogden-Clearfield, UT | 2 | $ 514,000 | $ 257,000 | $ 93,000 |
| Peoria, IL | 2 | $ 716,000 | $ 358,000 | $ 182,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 230,000 | $ 115,000 | $ 162,000 |
| Tacoma, WA | 2 | $ 330,000 | $ 165,000 | $ 69,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 357,000 | $ 178,500 | $ 102,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 391,000 | $ 195,500 | $ 94,000 |
| Wilmington, DE-MD-NJ | 2 | $ 439,000 | $ 219,500 | $ 86,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 114,000 | $ 114,000 | $ 93,000 |
| Amarillo, TX | 1 | $ 276,000 | $ 276,000 | $ 134,000 |
| Anchorage, AK | 1 | $ 545,000 | $ 545,000 | $ 206,000 |
| Auburn-Opelika, AL | 1 | $ 214,000 | $ 214,000 | $ 73,000 |
| Beaumont-Port Arthur, TX | 1 | $ 96,000 | $ 96,000 | $ 85,000 |
| Birmingham-Hoover, AL | 1 | $ 272,000 | $ 272,000 | $ 200,000 |
| Boise City-Nampa, ID | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| Boston-Quincy, MA | 1 | $ 389,000 | $ 389,000 | $ 163,000 |
| Burlington, NC | 1 | $ 88,000 | $ 88,000 | $ 150,000 |
| Cedar Rapids, IA | 1 | $ 68,000 | $ 68,000 | $ 63,000 |
| Champaign-Urbana, IL | 1 | $ 134,000 | $ 134,000 | $ 49,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Coeur D'Alene, ID | 1 | $ 417,000 | $ 417,000 | $ 386,000 |
| College Station-Bryan, TX | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Columbus, OH | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Decatur, IL | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 229,000 | $ 229,000 | $ 26,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Durham-Chapel Hill, NC | 1 | $ 162,000 | $ 162,000 | $ 30,000 |
| Eugene-Springfield, OR | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Fayetteville, NC | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 417,000 | $ 417,000 | $ 807,000 |
| Gary, IN | 1 | $ 109,000 | $ 109,000 | $ 64,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Jackson, MS | 1 | $ 283,000 | $ 283,000 | $ 96,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 180,000 | $ 180,000 | $ 145,000 |
| Lakeland-Winter Haven, FL | 1 | $ 160,000 | $ 160,000 | $ 130,000 |
| Manchester-Nashua, NH | 1 | $ 292,000 | $ 292,000 | $ 130,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 190,000 | $ 190,000 | $ 111,000 |
| Oklahoma City, OK | 1 | $ 281,000 | $ 281,000 | $ 207,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 198,000 | $ 198,000 | $ 78,000 |
| Pittsburgh, PA | 1 | $ 109,000 | $ 109,000 | $ 41,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Pueblo, CO | 1 | $ 123,000 | $ 123,000 | $ 137,000 |
| Rockingham County-Strafford County, NH | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 260,000 | $ 260,000 | $ 175,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 741,000 | $ 741,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 237,000 | $ 237,000 | $ 47,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 98,000 | $ 98,000 | $ 62,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 283,000 | $ 283,000 | $ 87,000 |
| Sioux City, IA-NE-SD | 1 | $ 231,000 | $ 231,000 | $ 125,000 |
| Tucson, AZ | 1 | $ 375,000 | $ 375,000 | $ 312,000 |
| Tulsa, OK | 1 | $ 127,000 | $ 127,000 | $ 79,000 |
| York-Hanover, PA | 1 | $ 116,000 | $ 116,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Pulaski Bank in 2009
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 | 8,261 | $1,585,237,000 | $191,000 | $3,375,000 | $91,000 | $4,516,000 |
| Home Purchase | 7,256 | $1,085,019,000 | $149,000 | $2,242,000 | $72,000 | $1,642,000 |
| Home Improvement | 96 | $15,762,000 | $164,000 | $400,000 | $86,000 | $204,000 |
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 | 12,695 | $2,210,536,000 | $174,000 | $2,242,000 | $84,000 | $4,516,000 |
| Not Provided | 1,696 | $290,250,000 | $171,000 | $1,500,000 | $82,000 | $1,615,000 |
| Black or African American | 636 | $78,704,000 | $123,000 | $498,000 | $53,000 | $587,000 |
| Asian | 318 | $58,879,000 | $185,000 | $700,000 | $96,000 | $540,000 |
| Hispanic | 221 | $35,627,000 | $161,000 | $766,000 | $66,000 | $533,000 |
| American Indian or Alaskan Native | 24 | $4,293,000 | $178,000 | $417,000 | $85,000 | $271,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $1,950,000 | $139,000 | $235,000 | $64,000 | $159,000 |
| Not applicable | 9 | $5,779,000 | $642,000 | $3,375,000 | $0 | $0 |
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) | 9,418 | $1,779,854,000 | $188,000 | $3,375,000 | $103,000 | $4,516,000 |
| FHA-insured (Federal Housing Administration) | 5,404 | $779,648,000 | $144,000 | $741,000 | $51,000 | $732,000 |
| VA-guaranteed (Veterans Administration) | 497 | $87,545,000 | $176,000 | $450,000 | $51,000 | $275,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 294 | $38,971,000 | $132,000 | $337,000 | $46,000 | $95,000 |
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 | 13,524 | $2,314,329,000 | $171,000 | $3,375,000 | $82,000 | $4,516,000 |
| Application Withdrawn By Applicant | 1,351 | $242,293,000 | $179,000 | $1,931,000 | $87,000 | $1,615,000 |
| Application Denied By Financial Institution | 510 | $87,184,000 | $170,000 | $1,500,000 | $74,000 | $677,000 |
| Application Approved But Not Accepted | 223 | $41,554,000 | $186,000 | $1,508,000 | $81,000 | $429,000 |
| File Closed For Incompleteness | 5 | $658,000 | $131,000 | $255,000 | $71,000 | $108,000 |
| 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 | 250 | $45,714,000 | $182,000 | $900,000 | $89,000 | $677,000 |
| Debt-To-Income Ratio | 95 | $17,767,000 | $187,000 | $810,000 | $62,000 | $366,000 |
| Credit History | 58 | $8,025,000 | $138,000 | $377,000 | $52,000 | $190,000 |
| Other | 40 | $5,977,000 | $149,000 | $577,000 | $63,000 | $282,000 |
| Unverifiable Information | 19 | $1,951,000 | $102,000 | $215,000 | $52,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $3,980,000 | $234,000 | $1,500,000 | $92,000 | $500,000 |
| Employment History | 16 | $1,668,000 | $104,000 | $320,000 | $60,000 | $241,000 |
| Credit Application Incomplete | 8 | $1,391,000 | $173,000 | $286,000 | $45,000 | $77,000 |
| Mortgage Insurance Denied | 7 | $711,000 | $101,000 | $269,000 | $51,000 | $137,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pulaski Bank's 2009 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About