Tiaa-Cref Trust Company FSB Mortgage Lending & HMDA Data, 2016
In 2016, Tiaa-Cref Trust Company FSB of St. Louis, MO reported 3,352 mortgage applications totaling $1.5 billion, up 13% from 2015. The average application was for $439,448, and applicants reported an average income of $212,399. 32% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (228), New York-Jersey City-White Plains, NY-NJ (175) and St. Louis, MO-IL (151) (applications in parentheses).
| Mortgage Company & Address | Tiaa-Cref Trust Company FSB 211 North Broadway, Ste 1000 St. Louis, MO 63102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 3,352 |
| Total Mortgage Loan Application Amount | $1,473,031,000 |
| Average Mortgage Loan Application Amount | $439,448 |
| Highest Mortgage Loan Application Amount | $2,370,000 |
| Average Applicant Income | $212,399 |
| Highest Applicant Income | $5,524,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tiaa-Cref Trust Company FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Tiaa-Cref Trust Company FSB in 2016
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 | 2,084 | $891,326,000 | $427,000 | $2,370,000 | $202,000 | $3,728,000 |
| Home Purchase | 1,181 | $560,880,000 | $474,000 | $1,737,000 | $238,000 | $5,524,000 |
| Home Improvement | 87 | $20,825,000 | $239,000 | $825,000 | $114,000 | $378,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,430 | $940,185,000 | $657,000 | $2,370,000 | $318,000 | $5,524,000 |
| White | 1,396 | $380,459,000 | $272,000 | $2,355,000 | $133,000 | $1,296,000 |
| Not Provided | 213 | $64,689,000 | $303,000 | $1,268,000 | $148,000 | $868,000 |
| Black or African American | 108 | $27,576,000 | $255,000 | $844,000 | $121,000 | $400,000 |
| Hispanic | 95 | $24,816,000 | $261,000 | $1,052,000 | $115,000 | $285,000 |
| Asian | 88 | $28,766,000 | $326,000 | $1,556,000 | $159,000 | $468,000 |
| American Indian or Alaskan Native | 16 | $4,900,000 | $306,000 | $585,000 | $113,000 | $201,000 |
| Native Hawaiin or Other Pacific Islander | 6 | $1,640,000 | $273,000 | $380,000 | $93,000 | $244,000 |
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) | 3,337 | $1,468,996,000 | $440,000 | $2,370,000 | $213,000 | $5,524,000 |
| VA-guaranteed (Veterans Administration) | 15 | $4,035,000 | $269,000 | $535,000 | $107,000 | $153,000 |
| 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 |
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 | 1,430 | $940,185,000 | $657,000 | $2,370,000 | $318,000 | $5,524,000 |
| Loan Originated | 1,089 | $300,158,000 | $275,000 | $2,355,000 | $137,000 | $1,296,000 |
| Application Denied By Financial Institution | 352 | $101,439,000 | $288,000 | $1,556,000 | $121,000 | $881,000 |
| Application Withdrawn By Applicant | 280 | $77,845,000 | $278,000 | $1,268,000 | $138,000 | $755,000 |
| File Closed For Incompleteness | 170 | $44,476,000 | $261,000 | $1,272,000 | $135,000 | $1,125,000 |
| Application Approved But Not Accepted | 31 | $8,928,000 | $288,000 | $730,000 | $140,000 | $425,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 112 | $31,565,000 | $281,000 | $902,000 | $78,000 | $274,000 |
| Collateral | 104 | $29,351,000 | $282,000 | $1,052,000 | $143,000 | $868,000 |
| Credit Application Incomplete | 74 | $25,156,000 | $339,000 | $1,556,000 | $145,000 | $881,000 |
| Credit History | 33 | $8,041,000 | $243,000 | $768,000 | $133,000 | $516,000 |
| Other | 14 | $3,957,000 | $282,000 | $741,000 | $120,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,458,000 | $208,000 | $640,000 | $132,000 | $245,000 |
| Unverifiable Information | 6 | $1,702,000 | $283,000 | $666,000 | $168,000 | $260,000 |
| Employment History | 2 | $209,000 | $104,000 | $133,000 | $35,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tiaa-Cref Trust Company FSB's 2016 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 Tiaa-Cref Trust Company FSB'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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