The Home Loan Expert LLC Mortgage Lending & HMDA Data, 2018
In 2018, The Home Loan Expert LLC of St Louis, MO reported 2,329 mortgage applications totaling $470.1 million, down 37% from 2017. The average application was for $201,831, and applicants reported an average income of $104,632. 35% of its applications resulted in an originated loan and 13% were denied. Its largest markets were St. Louis, MO-IL (1,150), Indianapolis-Carmel-Anderson, IN (447) and Chicago-Naperville-Arlington Heights, IL (241) (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 | 2,329 |
| Total Mortgage Loan Application Amount | $470,065,000 |
| Average Mortgage Loan Application Amount | $201,831 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $104,632 |
| Highest Applicant Income | $2,400,000 |
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(HMDA) records The Home Loan Expert LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,150 | $ 229,420,000 | $ 199,495 | $ 115,559 |
| Indianapolis-Carmel-Anderson, IN | 447 | $ 80,345,000 | $ 179,742 | $ 90,000 |
| Chicago-Naperville-Arlington Heights, IL | 241 | $ 56,905,000 | $ 236,120 | $ 102,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 160 | $ 40,150,000 | $ 250,937 | $ 94,000 |
| Outside any metro area | 91 | $ 14,605,000 | $ 160,494 | $ 85,901 |
| Elgin, IL | 29 | $ 7,065,000 | $ 243,620 | $ 122,000 |
| Gary, IN | 27 | $ 5,425,000 | $ 200,925 | $ 80,000 |
| Lake County-Kenosha County, IL-WI | 25 | $ 6,415,000 | $ 256,600 | $ 93,000 |
| Birmingham-Hoover, AL | 24 | $ 5,250,000 | $ 218,750 | $ 107,000 |
| Clarksville, TN-KY | 9 | $ 1,615,000 | $ 179,444 | $ 78,000 |
| Memphis, TN-MS-AR | 8 | $ 1,520,000 | $ 190,000 | $ 123,000 |
| Kankakee, IL | 7 | $ 905,000 | $ 129,285 | $ 58,000 |
| Columbus, IN | 5 | $ 835,000 | $ 167,000 | $ 79,000 |
| Bloomington, IL | 4 | $ 730,000 | $ 182,500 | $ 102,000 |
| Columbia, MO | 4 | $ 920,000 | $ 230,000 | $ 128,000 |
| Kokomo, IN | 4 | $ 510,000 | $ 127,500 | $ 68,000 |
| Cape Girardeau, MO-IL | 3 | $ 415,000 | $ 138,333 | $ 77,000 |
| Champaign-Urbana, IL | 3 | $ 635,000 | $ 211,666 | $ 133,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 545,000 | $ 181,666 | $ 85,000 |
| Knoxville, TN | 3 | $ 785,000 | $ 261,666 | $ 79,000 |
| Bloomington, IN | 2 | $ 390,000 | $ 195,000 | $ 64,000 |
| Kansas City, MO-KS | 2 | $ 790,000 | $ 395,000 | $ 138,000 |
| Rockford, IL | 2 | $ 470,000 | $ 235,000 | $ 109,000 |
| Springfield, IL | 2 | $ 300,000 | $ 150,000 | $ 65,000 |
| Tuscaloosa, AL | 2 | $ 340,000 | $ 170,000 | $ 62,000 |
| Austin-Round Rock, TX | 1 | $ 175,000 | $ 175,000 | $ 135,000 |
| Chattanooga, TN-GA | 1 | $ 285,000 | $ 285,000 | $ 167,000 |
| Dallas-Plano-Irving, TX | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Danville, IL | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Dothan, AL | 1 | $ 125,000 | $ 125,000 | $ 127,000 |
| Elkhart-Goshen, IN | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Evansville, IN-KY | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| Fort Wayne, IN | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Fort Worth-Arlington, TX | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Gadsden, AL | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| Huntsville, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jefferson City, MO | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Lafayette-West Lafayette, IN | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Lexington-Fayette, KY | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Michigan City-La Porte, IN | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Muncie, IN | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Springfield, MO | 1 | $ 345,000 | $ 345,000 | $ 158,000 |
| Terre Haute, IN | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Tyler, TX | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for The Home Loan Expert LLC in 2018
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 Improvement | 822 | $170,690,000 | $207,000 | $1,725,000 | $96,000 | $996,000 |
| Refinancing | 771 | $148,125,000 | $192,000 | $1,305,000 | $106,000 | $2,196,000 |
| Cash-out Refinancing | 495 | $97,965,000 | $197,000 | $1,905,000 | $125,000 | $2,400,000 |
| Home Purchase | 238 | $52,690,000 | $221,000 | $605,000 | $88,000 | $222,000 |
| Not Applicable | 3 | $595,000 | $198,000 | $265,000 | $77,000 | $86,000 |
| 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 | 1,765 | $355,075,000 | $201,000 | $1,705,000 | $107,000 | $2,196,000 |
| Not Provided | 288 | $60,060,000 | $208,000 | $1,905,000 | $105,000 | $2,400,000 |
| Not applicable | 165 | $34,635,000 | $209,000 | $1,285,000 | $95,000 | $568,000 |
| Black or African American | 48 | $8,070,000 | $168,000 | $565,000 | $73,000 | $237,000 |
| Hispanic | 34 | $6,800,000 | $200,000 | $395,000 | $98,000 | $212,000 |
| Asian | 23 | $4,775,000 | $207,000 | $405,000 | $91,000 | $199,000 |
| American Indian or Alaskan Native | 3 | $265,000 | $88,000 | $135,000 | $40,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $140,000 | $70,000 | $135,000 | $36,000 | $72,000 |
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) | 1,157 | $243,345,000 | $210,000 | $1,725,000 | $120,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 858 | $158,510,000 | $184,000 | $1,705,000 | $91,000 | $2,196,000 |
| VA-guaranteed (Veterans Administration) | 313 | $68,015,000 | $217,000 | $1,905,000 | $87,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $195,000 | $195,000 | $195,000 | $83,000 | $83,000 |
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 | 1,182 | $236,250,000 | $199,000 | $1,725,000 | $119,000 | $2,400,000 |
| Loan Originated | 821 | $167,485,000 | $204,000 | $1,285,000 | $94,000 | $568,000 |
| Application Denied By Financial Institution | 303 | $60,745,000 | $200,000 | $1,905,000 | $79,000 | $1,000,000 |
| File Closed For Incompleteness | 21 | $5,205,000 | $247,000 | $565,000 | $99,000 | $195,000 |
| Application Approved But Not Accepted | 2 | $380,000 | $190,000 | $215,000 | $69,000 | $72,000 |
| 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 | 2,026 | $409,320,000 | $202,000 | $1,725,000 | $109,000 | $2,400,000 |
| Credit History | 169 | $32,245,000 | $190,000 | $1,905,000 | $86,000 | $1,000,000 |
| Debt-To-Income Ratio | 80 | $17,780,000 | $222,000 | $1,365,000 | $59,000 | $160,000 |
| Collateral | 42 | $8,560,000 | $203,000 | $585,000 | $94,000 | $174,000 |
| Other | 5 | $835,000 | $167,000 | $275,000 | $84,000 | $154,000 |
| Unverifiable Information | 3 | $575,000 | $191,000 | $225,000 | $65,000 | $78,000 |
| Employment History | 3 | $455,000 | $151,000 | $185,000 | $46,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $295,000 | $295,000 | $295,000 | $108,000 | $108,000 |
| 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 2018 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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