The Home Loan Expert LLC Mortgage Lending & HMDA Data, 2022
In 2022, The Home Loan Expert LLC of St Louis, MO reported 4,168 mortgage applications totaling $1.3 billion, down 41% from 2021. The average application was for $305,808, and applicants reported an average income of $123,158. 61% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (1,030), Austin-Round Rock, TX (429) and Chicago-Naperville, IL (311) (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 | 4,168 |
| Total Mortgage Loan Application Amount | $1,274,610,000 |
| Average Mortgage Loan Application Amount | $305,808 |
| Highest Mortgage Loan Application Amount | $4,775,000 |
| Average Applicant Income | $123,158 |
| Highest Applicant Income | $2,300,000 |
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(HMDA) records The Home Loan Expert LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,030 | $ 218,630,000 | $ 212,262 | $ 100,120 |
| Austin-Round Rock, TX | 429 | $ 187,855,000 | $ 437,890 | $ 176,000 |
| Chicago-Naperville, IL | 311 | $ 75,315,000 | $ 242,170 | $ 98,000 |
| Dallas-Plano-Irving, TX | 238 | $ 106,480,000 | $ 447,394 | $ 164,000 |
| Tampa-St. Petersburg-Clearwater, FL | 195 | $ 71,315,000 | $ 365,717 | $ 133,000 |
| Outside any metro area | 186 | $ 43,930,000 | $ 236,182 | $ 120,725 |
| Denver-Aurora-Lakewood, CO | 172 | $ 100,030,000 | $ 581,569 | $ 195,000 |
| Indianapolis-Carmel-Anderson, IN | 170 | $ 34,950,000 | $ 205,588 | $ 94,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 163 | $ 52,025,000 | $ 319,171 | $ 103,000 |
| Fort Worth-Arlington, TX | 145 | $ 53,075,000 | $ 366,034 | $ 128,000 |
| Memphis, TN-MS-AR | 137 | $ 25,665,000 | $ 187,335 | $ 88,481 |
| Houston-The Woodlands-Sugar Land, TX | 88 | $ 38,780,000 | $ 440,681 | $ 193,000 |
| Daphne-Fairhope-Foley, AL | 78 | $ 23,670,000 | $ 303,461 | $ 135,000 |
| Little Rock-North Little Rock-Conway, AR | 63 | $ 13,805,000 | $ 219,126 | $ 93,000 |
| Kansas City, MO-KS | 61 | $ 15,275,000 | $ 250,409 | $ 103,180 |
| San Antonio-New Braunfels, TX | 61 | $ 18,015,000 | $ 295,327 | $ 146,000 |
| Cedar Rapids, IA | 56 | $ 11,160,000 | $ 199,285 | $ 76,000 |
| Colorado Springs, CO | 42 | $ 17,390,000 | $ 414,047 | $ 115,000 |
| Yuma, AZ | 36 | $ 9,540,000 | $ 265,000 | $ 116,000 |
| Clarksville, TN-KY | 30 | $ 7,620,000 | $ 254,000 | $ 87,400 |
| Phoenix-Mesa-Scottsdale, AZ | 30 | $ 15,080,000 | $ 502,666 | $ 213,000 |
| Gary, IN | 26 | $ 5,950,000 | $ 228,846 | $ 99,000 |
| Elgin, IL | 24 | $ 5,930,000 | $ 247,083 | $ 97,000 |
| Orlando-Kissimmee-Sanford, FL | 21 | $ 7,265,000 | $ 345,952 | $ 118,000 |
| Lake County-Kenosha County, IL-WI | 20 | $ 5,830,000 | $ 291,500 | $ 148,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 12,005,000 | $ 631,842 | $ 180,000 |
| Tucson, AZ | 19 | $ 5,435,000 | $ 286,052 | $ 100,000 |
| Pensacola-Ferry Pass-Brent, FL | 18 | $ 5,150,000 | $ 286,111 | $ 116,000 |
| Killeen-Temple, TX | 16 | $ 3,980,000 | $ 248,750 | $ 92,000 |
| Lakeland-Winter Haven, FL | 14 | $ 4,160,000 | $ 297,142 | $ 80,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 3,455,000 | $ 314,090 | $ 86,000 |
| Crestview-Fort Walton Beach-Destin, FL | 9 | $ 4,185,000 | $ 465,000 | $ 254,000 |
| Greeley, CO | 8 | $ 4,480,000 | $ 560,000 | $ 129,000 |
| Jacksonville, FL | 8 | $ 1,800,000 | $ 225,000 | $ 96,000 |
| Knoxville, TN | 8 | $ 1,850,000 | $ 231,250 | $ 84,000 |
| Ocala, FL | 8 | $ 2,120,000 | $ 265,000 | $ 75,000 |
| Fort Collins, CO | 7 | $ 2,825,000 | $ 403,571 | $ 125,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,815,000 | $ 402,142 | $ 136,000 |
| Sherman-Denison, TX | 7 | $ 2,045,000 | $ 292,142 | $ 82,000 |
| Bowling Green, KY | 6 | $ 1,100,000 | $ 183,333 | $ 71,000 |
| Cincinnati, OH-KY-IN | 6 | $ 1,050,000 | $ 175,000 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,460,000 | $ 243,333 | $ 82,000 |
| Boulder, CO | 5 | $ 2,245,000 | $ 449,000 | $ 105,000 |
| Homosassa Springs, FL | 5 | $ 1,445,000 | $ 289,000 | $ 157,000 |
| Pine Bluff, AR | 5 | $ 225,000 | $ 45,000 | $ 35,000 |
| Port St. Lucie, FL | 5 | $ 1,405,000 | $ 281,000 | $ 67,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,740,000 | $ 685,000 | $ 170,000 |
| College Station-Bryan, TX | 4 | $ 600,000 | $ 150,000 | $ 124,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 850,000 | $ 212,500 | $ 111,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 970,000 | $ 242,500 | $ 87,000 |
| Hot Springs, AR | 4 | $ 1,330,000 | $ 332,500 | $ 180,000 |
| Iowa City, IA | 4 | $ 980,000 | $ 245,000 | $ 109,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,410,000 | $ 352,500 | $ 107,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,170,000 | $ 292,500 | $ 120,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,470,000 | $ 367,500 | $ 125,000 |
| Rockford, IL | 4 | $ 510,000 | $ 127,500 | $ 67,000 |
| Sebastian-Vero Beach, FL | 4 | $ 1,220,000 | $ 305,000 | $ 65,000 |
| Waco, TX | 4 | $ 1,300,000 | $ 325,000 | $ 136,000 |
| Columbia, MO | 3 | $ 275,000 | $ 91,666 | $ 37,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 845,000 | $ 281,666 | $ 119,000 |
| Des Moines-West Des Moines, IA | 3 | $ 1,135,000 | $ 378,333 | $ 92,000 |
| Florence-Muscle Shoals, AL | 3 | $ 405,000 | $ 135,000 | $ 61,000 |
| Jefferson City, MO | 3 | $ 545,000 | $ 181,666 | $ 93,000 |
| Lafayette-West Lafayette, IN | 3 | $ 635,000 | $ 211,666 | $ 104,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 2,165,000 | $ 721,666 | $ 167,000 |
| Muncie, IN | 3 | $ 525,000 | $ 175,000 | $ 128,000 |
| St. Joseph, MO-KS | 3 | $ 825,000 | $ 275,000 | $ 86,000 |
| Tyler, TX | 3 | $ 625,000 | $ 208,333 | $ 120,000 |
| Amarillo, TX | 2 | $ 510,000 | $ 255,000 | $ 95,000 |
| Beaumont-Port Arthur, TX | 2 | $ 420,000 | $ 210,000 | $ 71,000 |
| Bloomington, IL | 2 | $ 500,000 | $ 250,000 | $ 106,000 |
| Boston, MA | 2 | $ 2,090,000 | $ 1,045,000 | $ 208,000 |
| Brownsville-Harlingen, TX | 2 | $ 670,000 | $ 335,000 | $ 111,000 |
| Carbondale-Marion, IL | 2 | $ 520,000 | $ 260,000 | $ 102,000 |
| Chattanooga, TN-GA | 2 | $ 270,000 | $ 135,000 | $ 122,000 |
| Gainesville, FL | 2 | $ 210,000 | $ 105,000 | $ 147,000 |
| Huntsville, AL | 2 | $ 610,000 | $ 305,000 | $ 66,000 |
| Jackson, TN | 2 | $ 1,230,000 | $ 615,000 | $ 206,000 |
| Joplin, MO | 2 | $ 550,000 | $ 275,000 | $ 75,000 |
| Laredo, TX | 2 | $ 310,000 | $ 155,000 | $ 79,000 |
| Longview, TX | 2 | $ 230,000 | $ 115,000 | $ 16,000 |
| Lubbock, TX | 2 | $ 840,000 | $ 420,000 | $ 158,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 400,000 | $ 200,000 | $ 210,000 |
| Pueblo, CO | 2 | $ 450,000 | $ 225,000 | $ 70,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 740,000 | $ 370,000 | $ 70,000 |
| Springfield, IL | 2 | $ 350,000 | $ 175,000 | $ 58,000 |
| Texarkana, TX-AR | 2 | $ 130,000 | $ 65,000 | $ 69,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 510,000 | $ 255,000 | $ 102,000 |
| Wichita, KS | 2 | $ 430,000 | $ 215,000 | $ 133,000 |
| Akron, OH | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Birmingham-Hoover, AL | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Canton-Massillon, OH | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Cape Girardeau, MO-IL | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Cleveland, TN | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Corpus Christi, TX | 1 | $ 305,000 | $ 305,000 | $ 257,000 |
| Decatur, AL | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Flagstaff, AZ | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Fresno, CA | 1 | $ 455,000 | $ 455,000 | $ 136,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 595,000 | $ 595,000 | $ 520,000 |
| Jacksonville, NC | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Janesville-Beloit, WI | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Johnson City, TN | 1 | $ 425,000 | $ 425,000 | $ 130,000 |
| Jonesboro, AR | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Kankakee, IL | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Lawrence, KS | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Lima, OH | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Mansfield, OH | 1 | $ 295,000 | $ 295,000 | $ 176,000 |
| Michigan City-La Porte, IN | 1 | $ 345,000 | $ 345,000 | $ 179,000 |
| Midland, TX | 1 | $ 295,000 | $ 295,000 | $ 115,000 |
| Mobile, AL | 1 | $ 565,000 | $ 565,000 | $ 224,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Panama City, FL | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Punta Gorda, FL | 1 | $ 315,000 | $ 315,000 | $ 322,000 |
| San Diego-Carlsbad, CA | 1 | $ 625,000 | $ 625,000 | $ 93,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Stockton-Lodi, CA | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Tallahassee, FL | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Terre Haute, IN | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| The Villages, FL | 1 | $ 295,000 | $ 295,000 | $ 58,000 |
| Topeka, KS | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Victoria, TX | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Wichita Falls, TX | 1 | $ 395,000 | $ 395,000 | $ 92,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for The Home Loan Expert LLC in 2022
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 | 2,592 | $875,630,000 | $337,000 | $4,775,000 | $127,000 | $1,346,000 |
| Cash-out Refinancing | 924 | $222,480,000 | $240,000 | $1,305,000 | $108,000 | $650,000 |
| Refinancing | 338 | $87,750,000 | $259,000 | $1,745,000 | $126,000 | $2,300,000 |
| Home Improvement | 314 | $88,750,000 | $282,000 | $1,955,000 | $133,000 | $963,000 |
| 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 | 2,466 | $781,980,000 | $317,000 | $4,775,000 | $129,000 | $2,300,000 |
| Black or African American | 656 | $138,400,000 | $210,000 | $1,755,000 | $84,000 | $772,000 |
| Not Provided | 562 | $176,310,000 | $313,000 | $1,745,000 | $131,000 | $990,000 |
| Hispanic | 288 | $94,070,000 | $326,000 | $1,305,000 | $121,000 | $852,000 |
| Asian | 157 | $66,645,000 | $424,000 | $1,755,000 | $161,000 | $891,000 |
| American Indian or Alaskan Native | 16 | $4,940,000 | $308,000 | $625,000 | $108,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $3,045,000 | $609,000 | $1,115,000 | $144,000 | $270,000 |
| 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) | 2,739 | $896,025,000 | $327,000 | $4,775,000 | $142,000 | $2,300,000 |
| FHA-insured (Federal Housing Administration) | 1,000 | $232,950,000 | $232,000 | $685,000 | $80,000 | $564,000 |
| VA-guaranteed (Veterans Administration) | 403 | $140,015,000 | $347,000 | $1,655,000 | $104,000 | $704,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $5,620,000 | $216,000 | $375,000 | $67,000 | $113,000 |
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 | 2,542 | $800,030,000 | $314,000 | $1,955,000 | $128,000 | $1,193,000 |
| Application Withdrawn By Applicant | 860 | $280,640,000 | $326,000 | $4,775,000 | $130,000 | $2,300,000 |
| Application Approved But Not Accepted | 377 | $104,595,000 | $277,000 | $1,205,000 | $110,000 | $556,000 |
| Application Denied By Financial Institution | 289 | $64,025,000 | $221,000 | $1,755,000 | $83,000 | $990,000 |
| File Closed For Incompleteness | 100 | $25,320,000 | $253,000 | $1,305,000 | $117,000 | $500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,879 | $1,210,585,000 | $312,000 | $4,775,000 | $126,000 | $2,300,000 |
| Credit History | 123 | $23,645,000 | $192,000 | $635,000 | $78,000 | $270,000 |
| Debt-To-Income Ratio | 123 | $29,725,000 | $241,000 | $905,000 | $70,000 | $645,000 |
| Employment History | 12 | $2,580,000 | $215,000 | $415,000 | $158,000 | $990,000 |
| Collateral | 10 | $3,700,000 | $370,000 | $1,755,000 | $155,000 | $482,000 |
| Other | 7 | $825,000 | $117,000 | $175,000 | $84,000 | $151,000 |
| Unverifiable Information | 7 | $1,565,000 | $223,000 | $645,000 | $145,000 | $527,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,985,000 | $283,000 | $495,000 | $82,000 | $148,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Loan Expert LLC's 2022 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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