Scottrade Bank Mortgage Lending & HMDA Data, 2013
In 2013, Scottrade Bank of St. Louis, MO reported 1,568 mortgage applications totaling $1.2 billion, up 1662% from 2012. The average application was for $767,909, and applicants reported an average income of $338,623. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (286), Los Angeles-Long Beach-Glendale, CA (177) and San Francisco-San Mateo-Redwood City, CA (153) (applications in parentheses).
| Mortgage Company & Address | Scottrade Bank 12800 Corporate Hill Drive St. Louis, MO 63131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 1,568 |
| Total Mortgage Loan Application Amount | $1,204,082,000 |
| Average Mortgage Loan Application Amount | $767,909 |
| Highest Mortgage Loan Application Amount | $6,954,000 |
| Average Applicant Income | $338,623 |
| Highest Applicant Income | $4,590,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Scottrade Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oakland-Fremont-Hayward, CA | 286 | $ 236,796,000 | $ 827,958 | $ 275,000 |
| Los Angeles-Long Beach-Glendale, CA | 177 | $ 144,860,000 | $ 818,418 | $ 333,000 |
| San Francisco-San Mateo-Redwood City, CA | 153 | $ 122,749,000 | $ 802,281 | $ 314,000 |
| Santa Ana-Anaheim-Irvine, CA | 106 | $ 95,150,000 | $ 897,641 | $ 322,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 98 | $ 77,371,000 | $ 789,500 | $ 274,000 |
| San Diego-Carlsbad-San Marcos, CA | 68 | $ 52,998,000 | $ 779,382 | $ 347,000 |
| Seattle-Bellevue-Everett, WA | 61 | $ 49,656,000 | $ 814,032 | $ 292,000 |
| Atlanta-Sandy Springs-Marietta, GA | 40 | $ 29,133,000 | $ 728,325 | $ 459,000 |
| New York-White Plains-Wayne, NY-NJ | 34 | $ 25,470,000 | $ 749,117 | $ 647,794 |
| Boston-Quincy, MA | 25 | $ 14,205,000 | $ 568,200 | $ 346,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 24 | $ 16,199,000 | $ 674,958 | $ 425,000 |
| Chicago-Joliet-Naperville, IL | 22 | $ 15,989,000 | $ 726,772 | $ 359,000 |
| Dallas-Plano-Irving, TX | 21 | $ 14,550,000 | $ 692,857 | $ 286,000 |
| Denver-Aurora-Broomfield, CO | 21 | $ 18,681,000 | $ 889,571 | $ 416,000 |
| Salinas, CA | 19 | $ 11,416,000 | $ 600,842 | $ 293,000 |
| Phoenix-Mesa-Glendale, AZ | 18 | $ 14,655,000 | $ 814,166 | $ 345,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 16,299,000 | $ 958,764 | $ 147,000 |
| Cambridge-Newton-Framingham, MA | 15 | $ 10,211,000 | $ 680,733 | $ 357,000 |
| Houston-Sugar Land-Baytown, TX | 15 | $ 9,023,000 | $ 601,533 | $ 424,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 10,414,000 | $ 694,266 | $ 232,000 |
| Santa Rosa-Petaluma, CA | 15 | $ 10,263,000 | $ 684,200 | $ 258,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 6,257,000 | $ 446,928 | $ 597,285 |
| St. Louis, MO-IL | 14 | $ 10,410,000 | $ 743,571 | $ 402,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 9,753,000 | $ 812,750 | $ 295,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 8,402,000 | $ 700,166 | $ 282,250 |
| Napa, CA | 10 | $ 8,093,000 | $ 809,300 | $ 424,000 |
| Austin-Round Rock-San Marcos, TX | 8 | $ 5,329,000 | $ 666,125 | $ 383,000 |
| Reno-Sparks, NV | 8 | $ 7,021,000 | $ 877,625 | $ 482,000 |
| Boulder, CO | 7 | $ 4,088,000 | $ 584,000 | $ 271,000 |
| Nassau-Suffolk, NY | 7 | $ 4,283,000 | $ 611,857 | $ 484,000 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 1,128,000 | $ 161,142 | $ 70,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,682,000 | $ 240,285 | $ 190,000 |
| Baltimore-Towson, MD | 6 | $ 4,102,000 | $ 683,666 | $ 243,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 4,827,000 | $ 804,500 | $ 286,666 |
| Naples-Marco Island, FL | 6 | $ 4,535,000 | $ 755,833 | $ 505,000 |
| San Antonio-New Braunfels, TX | 6 | $ 4,013,000 | $ 668,833 | $ 373,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,114,000 | $ 352,333 | $ 293,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 4,012,000 | $ 802,400 | $ 414,400 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,592,000 | $ 318,400 | $ 268,000 |
| Las Vegas-Paradise, NV | 5 | $ 3,723,000 | $ 744,600 | $ 340,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,328,000 | $ 265,600 | $ 247,000 |
| Philadelphia, PA | 5 | $ 2,822,000 | $ 564,400 | $ 732,000 |
| Tacoma, WA | 5 | $ 4,312,000 | $ 862,400 | $ 510,000 |
| Bethesda-Rockville-Frederick, MD | 4 | $ 3,344,000 | $ 836,000 | $ 464,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 4,132,000 | $ 1,033,000 | $ 638,000 |
| Kansas City, MO-KS | 4 | $ 3,222,000 | $ 805,500 | $ 521,750 |
| Newark-Union, NJ-PA | 4 | $ 3,337,000 | $ 834,250 | $ 661,000 |
| Salt Lake City, UT | 4 | $ 3,379,000 | $ 844,750 | $ 62,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 4,333,000 | $ 1,083,250 | $ 511,000 |
| Bend, OR | 3 | $ 1,125,000 | $ 375,000 | $ 260,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,678,000 | $ 559,333 | $ 225,333 |
| Peabody, MA | 3 | $ 1,318,000 | $ 439,333 | $ 207,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 2,209,000 | $ 736,333 | $ 242,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 2,344,000 | $ 781,333 | $ 417,000 |
| Ann Arbor, MI | 2 | $ 1,500,000 | $ 750,000 | $ 421,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 846,000 | $ 423,000 | $ 236,000 |
| Barnstable Town, MA | 2 | $ 395,000 | $ 197,500 | $ 150,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 1,876,000 | $ 938,000 | $ 645,000 |
| Fort Worth-Arlington, TX | 2 | $ 636,000 | $ 318,000 | $ 201,000 |
| Gainesville, GA | 2 | $ 1,756,000 | $ 878,000 | $ 444,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 1,396,000 | $ 698,000 | $ 400,000 |
| Lakeland-Winter Haven, FL | 2 | $ 446,000 | $ 223,000 | $ 179,000 |
| Provo-Orem, UT | 2 | $ 1,716,000 | $ 858,000 | $ 116,000 |
| Stockton, CA | 2 | $ 1,514,000 | $ 757,000 | $ 133,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 337,000 | $ 168,500 | $ 168,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 1,188,000 | $ 594,000 | $ 281,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 1,322,000 | $ 661,000 | $ 923,000 |
| Bakersfield-Delano, CA | 1 | $ 484,000 | $ 484,000 | $ 411,000 |
| Baton Rouge, LA | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Bloomington, IN | 1 | $ 545,000 | $ 545,000 | $ 126,000 |
| Bremerton-Silverdale, WA | 1 | $ 516,000 | $ 516,000 | $ 526,000 |
| Colorado Springs, CO | 1 | $ 783,000 | $ 783,000 | $ 251,000 |
| Columbia, SC | 1 | $ 614,000 | $ 614,000 | $ 277,000 |
| Columbus, OH | 1 | $ 173,000 | $ 173,000 | $ 67,000 |
| Durham-Chapel Hill, NC | 1 | $ 972,000 | $ 972,000 | $ 600,000 |
| El Paso, TX | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Fort Collins-Loveland, CO | 1 | $ 543,000 | $ 543,000 | $ 406,000 |
| Grand Junction, CO | 1 | $ 680,000 | $ 680,000 | $ 211,000 |
| Greensboro-High Point, NC | 1 | $ 605,000 | $ 605,000 | $ 300,000 |
| Harrisburg-Carlisle, PA | 1 | $ 483,000 | $ 483,000 | $ 250,000 |
| Honolulu, HI | 1 | $ 124,000 | $ 124,000 | $ 500,000 |
| Indianapolis-Carmel, IN | 1 | $ 393,000 | $ 393,000 | $ 77,000 |
| Kalamazoo-Portage, MI | 1 | $ 499,000 | $ 499,000 | $ 190,000 |
| Longview, WA | 1 | $ 452,000 | $ 452,000 | $ 565,000 |
| Macon, GA | 1 | $ 619,000 | $ 619,000 | $ 488,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 564,000 | $ 564,000 | $ 343,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 982,000 | $ 982,000 | $ 586,000 |
| New Haven-Milford, CT | 1 | $ 546,000 | $ 546,000 | $ 251,000 |
| Ocean City, NJ | 1 | $ 450,000 | $ 450,000 | $ 404,000 |
| Ogden-Clearfield, UT | 1 | $ 789,000 | $ 789,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 565,000 | $ 565,000 | $ 445,000 |
| Olympia, WA | 1 | $ 621,000 | $ 621,000 | $ 743,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 1,189,000 | $ 1,189,000 | $ 1,800,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 877,000 | $ 877,000 | $ 512,000 |
| Richmond, VA | 1 | $ 595,000 | $ 595,000 | $ 501,000 |
| Santa Fe, NM | 1 | $ 766,000 | $ 766,000 | $ 218,000 |
| Trenton-Ewing, NJ | 1 | $ 147,000 | $ 147,000 | $ 964,000 |
| Wichita, KS | 1 | $ 179,000 | $ 179,000 | $ 88,000 |
| Wilmington, DE-MD-NJ | 1 | $ 568,000 | $ 568,000 | $ 242,000 |
| Wilmington, NC | 1 | $ 675,000 | $ 675,000 | $ 650,000 |
Mortgage Loan Application Detail Totals for Scottrade Bank in 2013
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 | 916 | $693,531,000 | $757,000 | $6,954,000 | $352,000 | $4,590,000 |
| Home Purchase | 638 | $488,067,000 | $764,000 | $4,664,000 | $322,000 | $3,387,000 |
| Home Improvement | 14 | $22,484,000 | $1,606,000 | $3,857,000 | $221,000 | $998,000 |
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 | 998 | $763,608,000 | $765,000 | $4,499,000 | $343,000 | $4,321,000 |
| Not Provided | 322 | $234,653,000 | $728,000 | $4,295,000 | $347,000 | $4,590,000 |
| Asian | 145 | $115,893,000 | $799,000 | $3,770,000 | $316,000 | $2,052,000 |
| Hispanic | 51 | $31,539,000 | $618,000 | $1,960,000 | $267,000 | $655,000 |
| Not applicable | 28 | $42,948,000 | $1,533,000 | $6,954,000 | $302,000 | $1,700,000 |
| Black or African American | 15 | $7,091,000 | $472,000 | $1,181,000 | $208,000 | $629,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $5,350,000 | $1,070,000 | $1,997,000 | $371,000 | $721,000 |
| American Indian or Alaskan Native | 4 | $3,000,000 | $750,000 | $1,440,000 | $861,000 | $2,719,000 |
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) | 1,568 | $1,204,082,000 | $767,000 | $6,954,000 | $338,000 | $4,590,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Purchased By The Institution | 1,568 | $1,204,082,000 | $767,000 | $6,954,000 | $338,000 | $4,590,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Scottrade Bank's 2013 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 Scottrade 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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