The Home Loan Expert LLC Mortgage Lending & HMDA Data, 2019

In 2019, The Home Loan Expert LLC of St Louis, MO reported 3,399 mortgage applications totaling $776.3 million, up 46% from 2018. The average application was for $228,380, and applicants reported an average income of $145,117. 39% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (1,474), Indianapolis-Carmel-Anderson, IN (561) and Chicago-Naperville, IL (297) (applications in parentheses).

Mortgage Company & Address The Home Loan Expert LLC
1600 S Brentwood
St Louis, MO 63144
Tel #: available with data download
Federal Regulator * available with data download
Years 2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 3,399
Total Mortgage Loan Application Amount $776,265,000
Average Mortgage Loan Application Amount $228,380
Highest Mortgage Loan Application Amount $1,925,000
Average Applicant Income $145,117
Highest Applicant Income $2,880,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Home Loan Expert LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 The Home Loan Expert LLC by County in 2019

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 535 $ 123,935,000 $ 231,654 $ 149,000
St. Charles, Missouri 392 $ 87,190,000 $ 222,423 $ 134,000
Marion, Indiana 185 $ 31,955,000 $ 172,729 $ 123,000
Jefferson, Missouri 173 $ 32,145,000 $ 185,809 $ 138,000
Travis, Texas 162 $ 50,360,000 $ 310,864 $ 139,000
Cook, Illinois 152 $ 39,120,000 $ 257,368 $ 168,000
Hamilton, Indiana 128 $ 30,380,000 $ 237,343 $ 154,000
Williamson, Texas 93 $ 22,975,000 $ 247,043 $ 109,000
Madison, Illinois 89 $ 17,265,000 $ 193,988 $ 122,000
Hendricks, Indiana 76 $ 15,040,000 $ 197,894 $ 163,000
St. Louis City, Missouri 74 $ 13,050,000 $ 176,351 $ 135,000
St. Clair, Illinois 64 $ 12,310,000 $ 192,343 $ 154,000
Will, Illinois 63 $ 13,785,000 $ 218,809 $ 178,000
DuPage, Illinois 54 $ 14,510,000 $ 268,703 $ 149,000
Johnson, Indiana 51 $ 9,655,000 $ 189,313 $ 147,000
Davidson, Tennessee 47 $ 12,675,000 $ 269,680 $ 154,000
Lake, Illinois 43 $ 10,975,000 $ 255,232 $ 132,000
Denver, Colorado 41 $ 19,355,000 $ 472,073 $ 253,000
Franklin, Missouri 40 $ 8,670,000 $ 216,750 $ 149,000
Kane, Illinois 39 $ 8,525,000 $ 218,589 $ 245,000
Sumner, Tennessee 38 $ 8,900,000 $ 234,210 $ 126,000
Lincoln, Missouri 36 $ 5,930,000 $ 164,722 $ 80,000
Rutherford, Tennessee 35 $ 8,405,000 $ 240,142 $ 157,000
Hancock, Indiana 32 $ 5,970,000 $ 186,562 $ 141,000
Baldwin, Alabama 31 $ 6,365,000 $ 205,322 $ 84,000
Monroe, Illinois 31 $ 7,015,000 $ 226,290 $ 257,000
Williamson, Tennessee 30 $ 11,500,000 $ 383,333 $ 238,000
Lake, Indiana 29 $ 5,845,000 $ 201,551 $ 172,000
McHenry, Illinois 28 $ 5,820,000 $ 207,857 $ 230,000
Boone, Indiana 26 $ 5,920,000 $ 227,692 $ 128,000
Arapahoe, Colorado 23 $ 8,765,000 $ 381,086 $ 101,000
Kendall, Illinois 23 $ 5,085,000 $ 221,086 $ 179,000
Wilson, Tennessee 23 $ 6,905,000 $ 300,217 $ 114,000
Madison, Indiana 21 $ 3,445,000 $ 164,047 $ 301,000
Morgan, Indiana 21 $ 3,455,000 $ 164,523 $ 63,000
Adams, Colorado 19 $ 5,275,000 $ 277,631 $ 70,000
Jefferson, Colorado 19 $ 8,795,000 $ 462,894 $ 143,000
Warren, Missouri 18 $ 3,410,000 $ 189,444 $ 127,000
Hays, Texas 14 $ 3,540,000 $ 252,857 $ 90,000
Lee, Florida 12 $ 1,920,000 $ 160,000 $ 75,000
Robertson, Tennessee 12 $ 2,480,000 $ 206,666 $ 138,000
Jersey, Illinois 10 $ 2,060,000 $ 206,000 $ 99,000
St. Francois, Missouri 10 $ 2,200,000 $ 220,000 $ 95,000
DeKalb, Illinois 9 $ 1,735,000 $ 192,777 $ 442,000
Shelby, Indiana 9 $ 1,265,000 $ 140,555 $ 82,000
Shelby, Tennessee 9 $ 2,345,000 $ 260,555 $ 114,000
Jefferson, Alabama 8 $ 1,490,000 $ 186,250 $ 84,000
Henry, Indiana 8 $ 1,240,000 $ 155,000 $ 62,000
Brown, Indiana 7 $ 1,265,000 $ 180,714 $ 85,000
Clinton, Illinois 6 $ 1,120,000 $ 186,666 $ 310,000
Randolph, Illinois 6 $ 810,000 $ 135,000 $ 93,000
Maury, Tennessee 6 $ 1,370,000 $ 228,333 $ 97,000
Montgomery, Tennessee 6 $ 1,230,000 $ 205,000 $ 121,000
Bastrop, Texas 6 $ 1,870,000 $ 311,666 $ 125,000
Burnet, Texas 6 $ 1,670,000 $ 278,333 $ 128,000
LaSalle, Illinois 5 $ 815,000 $ 163,000 $ 159,000
Winnebago, Illinois 5 $ 535,000 $ 107,000 $ 83,000
Porter, Indiana 5 $ 825,000 $ 165,000 $ 93,000
Putnam, Indiana 5 $ 725,000 $ 145,000 $ 70,000
Tippecanoe, Indiana 5 $ 955,000 $ 191,000 $ 86,000
Crawford, Missouri 5 $ 725,000 $ 145,000 $ 84,000
Harris, Texas 5 $ 1,365,000 $ 273,000 $ 106,000
Miami-Dade, Florida 4 $ 820,000 $ 205,000 $ 149,000
Boone, Illinois 4 $ 560,000 $ 140,000 $ 65,000
Kankakee, Illinois 4 $ 610,000 $ 152,500 $ 95,000
Macoupin, Illinois 4 $ 750,000 $ 187,500 $ 98,000
Bartholomew, Indiana 4 $ 710,000 $ 177,500 $ 77,000
LaPorte, Indiana 4 $ 880,000 $ 220,000 $ 100,000
Camden, Missouri 4 $ 610,000 $ 152,500 $ 161,000
Perry, Missouri 4 $ 1,110,000 $ 277,500 $ 540,000
Pike, Missouri 4 $ 810,000 $ 202,500 $ 379,000
Ste. Genevieve, Missouri 4 $ 890,000 $ 222,500 $ 92,000
Bexar, Texas 4 $ 570,000 $ 142,500 $ 131,000
Shelby, Alabama 3 $ 585,000 $ 195,000 $ 85,000
Boulder, Colorado 3 $ 1,225,000 $ 408,333 $ 167,000
Franklin, Illinois 3 $ 465,000 $ 155,000 $ 71,000
Howard, Indiana 3 $ 605,000 $ 201,666 $ 104,000
Rush, Indiana 3 $ 545,000 $ 181,666 $ 105,000
Boone, Missouri 3 $ 865,000 $ 288,333 $ 239,000
Cape Girardeau, Missouri 3 $ 405,000 $ 135,000 $ 83,000
Greene, Missouri 3 $ 575,000 $ 191,666 $ 133,000
Washington, Missouri 3 $ 265,000 $ 88,333 $ 72,000
Cheatham, Tennessee 3 $ 605,000 $ 201,666 $ 334,000
Bell, Texas 3 $ 885,000 $ 295,000 $ 144,000
Comal, Texas 3 $ 635,000 $ 211,666 $ 111,000
Dallas, Texas 3 $ 605,000 $ 201,666 $ 123,000
Tuscaloosa, Alabama 2 $ 440,000 $ 220,000 $ 51,000
Los Angeles, California 2 $ 1,210,000 $ 605,000 $ 205,000
Riverside, California 2 $ 1,490,000 $ 745,000 $ 154,000
Clear Creek, Colorado 2 $ 560,000 $ 280,000 $ 54,000
Douglas, Colorado 2 $ 890,000 $ 445,000 $ 90,000
Lake, Colorado 2 $ 790,000 $ 395,000 $ 208,000
Pasco, Florida 2 $ 210,000 $ 105,000 $ 59,000
Bond, Illinois 2 $ 510,000 $ 255,000 $ 126,000
Champaign, Illinois 2 $ 300,000 $ 150,000 $ 50,000
Fayette, Illinois 2 $ 280,000 $ 140,000 $ 129,000
Lee, Illinois 2 $ 310,000 $ 155,000 $ 70,000
Marion, Illinois 2 $ 410,000 $ 205,000 $ 156,000
McLean, Illinois 2 $ 230,000 $ 115,000 $ 86,000
Sangamon, Illinois 2 $ 550,000 $ 275,000 $ 114,000
Washington, Illinois 2 $ 480,000 $ 240,000 $ 133,000
Clinton, Indiana 2 $ 250,000 $ 125,000 $ 25,000
Delaware, Indiana 2 $ 250,000 $ 125,000 $ 96,000
Jennings, Indiana 2 $ 310,000 $ 155,000 $ 427,000
Montgomery, Indiana 2 $ 310,000 $ 155,000 $ 66,000
Owen, Indiana 2 $ 240,000 $ 120,000 $ 267,000
Tipton, Indiana 2 $ 210,000 $ 105,000 $ 90,000
Wayne, Indiana 2 $ 250,000 $ 125,000 $ 115,000
White, Indiana 2 $ 270,000 $ 135,000 $ 37,000
Warren, Kentucky 2 $ 550,000 $ 275,000 $ 155,000
Madison, Missouri 2 $ 260,000 $ 130,000 $ 59,000
Montgomery, Missouri 2 $ 410,000 $ 205,000 $ 89,000
Marshall, Tennessee 2 $ 300,000 $ 150,000 $ 119,000
Perry, Tennessee 2 $ 210,000 $ 105,000 $ 96,000
Trousdale, Tennessee 2 $ 670,000 $ 335,000 $ 122,000
Brazos, Texas 2 $ 840,000 $ 420,000 $ 173,000
Tarrant, Texas 2 $ 490,000 $ 245,000 $ 88,000
Cullman, Alabama 1 $ 115,000 $ 115,000 $ 81,000
DeKalb, Alabama 1 $ 225,000 $ 225,000 $ 102,000
Lamar, Alabama 1 $ 95,000 $ 95,000 $ 91,000
Madison, Alabama 1 $ 95,000 $ 95,000 $ 71,000
Montgomery, Alabama 1 $ 75,000 $ 75,000 $ 63,000
Solano, California 1 $ 185,000 $ 185,000 $ 43,000
Stanislaus, California 1 $ 105,000 $ 105,000 $ 96,000
Tehama, California 1 $ 185,000 $ 185,000 $ 840,000
Chaffee, Colorado 1 $ 1,205,000 $ 1,205,000 $ 125,000
Eagle, Colorado 1 $ 695,000 $ 695,000 $ 487,000
El Paso, Colorado 1 $ 305,000 $ 305,000 $ 81,000
Gunnison, Colorado 1 $ 435,000 $ 435,000 $ 120,000
Jackson, Colorado 1 $ 305,000 $ 305,000 $ 124,000
Mesa, Colorado 1 $ 295,000 $ 295,000 $ 149,000
Alachua, Florida 1 $ 155,000 $ 155,000 $ 72,000
Brevard, Florida 1 $ 105,000 $ 105,000 $ 0
Broward, Florida 1 $ 235,000 $ 235,000 $ 80,000
Charlotte, Florida 1 $ 225,000 $ 225,000 $ 90,000
Collier, Florida 1 $ 295,000 $ 295,000 $ 89,000
Marion, Florida 1 $ 355,000 $ 355,000 $ 0
Osceola, Florida 1 $ 175,000 $ 175,000 $ 71,000
Palm Beach, Florida 1 $ 235,000 $ 235,000 $ 0
Santa Rosa, Florida 1 $ 185,000 $ 185,000 $ 54,000
St. Johns, Florida 1 $ 465,000 $ 465,000 $ 97,000
Volusia, Florida 1 $ 275,000 $ 275,000 $ 111,000
Carroll, Illinois 1 $ 35,000 $ 35,000 $ 76,000
Coles, Illinois 1 $ 195,000 $ 195,000 $ 210,000
Douglas, Illinois 1 $ 95,000 $ 95,000 $ 80,000
Jefferson, Illinois 1 $ 255,000 $ 255,000 $ 93,000
Menard, Illinois 1 $ 265,000 $ 265,000 $ 71,000
Ogle, Illinois 1 $ 155,000 $ 155,000 $ 98,000
Peoria, Illinois 1 $ 205,000 $ 205,000 $ 138,000
Perry, Illinois 1 $ 115,000 $ 115,000 $ 72,000
Williamson, Illinois 1 $ 125,000 $ 125,000 $ 77,000
Adams, Indiana 1 $ 125,000 $ 125,000 $ 131,000
Allen, Indiana 1 $ 105,000 $ 105,000 $ 41,000
Carroll, Indiana 1 $ 115,000 $ 115,000 $ 34,000
Fayette, Indiana 1 $ 155,000 $ 155,000 $ 135,000
Grant, Indiana 1 $ 225,000 $ 225,000 $ 100,000
Jackson, Indiana 1 $ 105,000 $ 105,000 $ 57,000
Jefferson, Indiana 1 $ 95,000 $ 95,000 $ 97,000
Monroe, Indiana 1 $ 185,000 $ 185,000 $ 30,000
Posey, Indiana 1 $ 255,000 $ 255,000 $ 67,000
Scott, Indiana 1 $ 105,000 $ 105,000 $ 92,000
Wabash, Indiana 1 $ 165,000 $ 165,000 $ 68,000
Grayson, Kentucky 1 $ 125,000 $ 125,000 $ 53,000
Kenton, Kentucky 1 $ 155,000 $ 155,000 $ 135,000
Madison, Kentucky 1 $ 225,000 $ 225,000 $ 84,000
Todd, Kentucky 1 $ 125,000 $ 125,000 $ 75,000
Clay, Missouri 1 $ 235,000 $ 235,000 $ 102,000
Jasper, Missouri 1 $ 185,000 $ 185,000 $ 108,000
Marion, Missouri 1 $ 105,000 $ 105,000 $ 91,000
Miller, Missouri 1 $ 165,000 $ 165,000 $ 72,000
Reynolds, Missouri 1 $ 85,000 $ 85,000 $ 40,000
Ripley, Missouri 1 $ 85,000 $ 85,000 $ 671,000
Coffee, Tennessee 1 $ 65,000 $ 65,000 $ 59,000
Dickson, Tennessee 1 $ 275,000 $ 275,000 $ 170,000
Hamilton, Tennessee 1 $ 245,000 $ 245,000 $ 0
Knox, Tennessee 1 $ 305,000 $ 305,000 $ 159,000
McNairy, Tennessee 1 $ 145,000 $ 145,000 $ 103,000
Putnam, Tennessee 1 $ 415,000 $ 415,000 $ 129,000
Warren, Tennessee 1 $ 115,000 $ 115,000 $ 57,000
Weakley, Tennessee 1 $ 135,000 $ 135,000 $ 70,000
Cameron, Texas 1 $ 135,000 $ 135,000 $ 84,000
Collin, Texas 1 $ 315,000 $ 315,000 $ 77,000
Coryell, Texas 1 $ 145,000 $ 145,000 $ 433,000
Fort Bend, Texas 1 $ 515,000 $ 515,000 $ 248,000
Galveston, Texas 1 $ 165,000 $ 165,000 $ 195,000
Guadalupe, Texas 1 $ 105,000 $ 105,000 $ 145,000
Hunt, Texas 1 $ 315,000 $ 315,000 $ 90,000
Llano, Texas 1 $ 395,000 $ 395,000 $ 137,000
San Jacinto, Texas 1 $ 155,000 $ 155,000 $ 66,000
Taylor, Texas 1 $ 325,000 $ 325,000 $ 148,000
Tom Green, Texas 1 $ 205,000 $ 205,000 $ 130,000
Washington, Texas 1 $ 145,000 $ 145,000 $ 68,000

Mortgage Loan Application Detail Totals for The Home Loan Expert LLC in 2019

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 1,941 $451,175,000 $232,000 $1,925,000 $172,000 $2,880,000
Home Improvement 629 $136,475,000 $216,000 $725,000 $105,000 $1,344,000
Home Purchase 441 $112,345,000 $254,000 $625,000 $107,000 $433,000
Cash-out Refinancing 388 $76,270,000 $196,000 $1,205,000 $119,000 $1,860,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 2,417 $548,435,000 $226,000 $1,925,000 $128,000 $2,880,000
Not Provided 801 $185,155,000 $231,000 $1,275,000 $202,000 $2,616,000
Hispanic 68 $17,060,000 $250,000 $745,000 $107,000 $600,000
Black or African American 67 $13,215,000 $197,000 $455,000 $81,000 $194,000
Asian 31 $8,875,000 $286,000 $615,000 $208,000 $1,416,000
American Indian or Alaskan Native 6 $1,370,000 $228,000 $335,000 $157,000 $660,000
Native Hawaiian or Other Pacific Islander 2 $450,000 $225,000 $255,000 $141,000 $190,000
Not applicable 0 $0 $0 $0 $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) 1,990 $484,600,000 $243,000 $1,925,000 $178,000 $2,880,000
FHA-insured (Federal Housing Administration) 1,002 $195,520,000 $195,000 $545,000 $100,000 $1,920,000
VA-guaranteed (Veterans Administration) 406 $95,960,000 $236,000 $995,000 $100,000 $1,560,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $185,000 $185,000 $185,000 $54,000 $54,000

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
Application Withdrawn By Applicant 1,908 $429,260,000 $224,000 $1,705,000 $171,000 $2,880,000
Loan Originated 1,319 $315,805,000 $239,000 $1,925,000 $107,000 $1,416,000
Application Denied By Financial Institution 163 $29,215,000 $179,000 $515,000 $118,000 $1,888,000
File Closed For Incompleteness 9 $1,985,000 $220,000 $455,000 $734,000 $1,536,000
Application Approved But Not Accepted 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
Not applicable 3,236 $747,050,000 $230,000 $1,925,000 $147,000 $2,880,000
Credit History 141 $25,165,000 $178,000 $515,000 $124,000 $1,888,000
Debt-To-Income Ratio 20 $3,600,000 $180,000 $485,000 $72,000 $169,000
Employment History 1 $195,000 $195,000 $195,000 $58,000 $58,000
Collateral 1 $255,000 $255,000 $255,000 $175,000 $175,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 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

Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Loan Expert LLC's 2019 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 The Home Loan Expert LLC'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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