St. Clair County, MO Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 224 mortgage applications in St. Clair County, MO totaling $20.4 million, down 24% from 2008. The average application was for $91,000, and applicants reported an average income of $60,000. 48% of applications resulted in an originated loan and 25% were denied. The most active lender was Hawthorn Bank, with 54 applications, followed by Bank of America, N.A. and Community First Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 224 |
| Total Mortgage Loan Application Amount | $20,385,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $315,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $2,892,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,270,265,000 | 54 | $ 3,247,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 18 | $ 2,169,000 |
| Community First Bank P.O. BOX 407 BUTLER, MO 64730 |
* | $ 110,890,000 | 13 | $ 662,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 12 | $ 1,659,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 9 | $ 596,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 8 | $ 1,239,000 |
| First Community Bank 301 SE MAIN STREET LEES SUMMIT, MO 64063 |
* | $ 601,735,000 | 5 | $ 657,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 590,611,000 | 5 | $ 152,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 5 | $ 245,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 488,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 589,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 4 | $ 278,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 4 | $ 698,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 4 | $ 422,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 455,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 3 | $ 425,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 273,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 149,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 280,000 |
| Gershman Investment Corp. 7 N. BEMISTON ST. LOUIS, MO 63105 |
* | $ 31,000,000 | 2 | $ 324,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 147,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 374,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 2 | $ 137,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 2 | $ 47,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 217,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 38,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 13,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 601,669,000 | 1 | $ 66,000 |
| Bank Midwest, N.A. 320 KANSAS AVE FORT LEAVENWORTH, KS 66027 |
* | $ 4,416,832,000 | 1 | $ 82,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 102,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 1 | $ 10,000 |
| O'bannon Banking Company PO BOX 890 BUFFALO, MO 65622 |
* | $ 135,313,000 | 1 | $ 56,000 |
| Bank of Odessa 301 W HIGHWAY 40 ODESSA, MO 64076 |
* | $ 244,061,000 | 1 | $ 16,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 136,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 9,262,734,000 | 1 | $ 108,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 71,000 |
| Bank of Urbana P.O. BOX 248 URBANA, MO 65767 |
* | $ 148,660,000 | 1 | $ 15,000 |
| Bank of Billings P O BOX 70 BILLINGS, MO 65610 |
* | $ 41,188,000 | 1 | $ 154,000 |
| First Central Bank 401 N MAGUIRE, PO BOX 477 WARRENSBURG, MO 64093 |
* | $ 208,884,000 | 1 | $ 65,000 |
| Liberty Bank 4625 S. NATIONAL SPRINGFIELD, MO 65810 |
* | $ 875,983,000 | 1 | $ 122,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 274,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 186,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 57,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 64,372,000 | 1 | $ 120,000 |
| First Federal Bank, FSB 6900 N. EXECUTIVE DR. KANSAS CITY, MO 64120 |
* | $ 411,144,000 | 1 | $ 107,000 |
| Security Savings Bank, FSB 11599 RIDGEVIEW RD OLATHE, KS 66061 |
* | $ 650,847,000 | 1 | $ 73,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 68,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 80,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 183,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 102,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 142,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 104,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 155,344,000 | 1 | $ 64,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 126,000 |
| Paramount Mortgage Company 347 N. LINDBERGH BLVD. ST. LOUIS, MO 63141 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 59,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 27,000 |
| Universal Lending Corporation 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 92,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 238,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Gorman & Gorman Res Mtg Srv in 11960 WESTLINE INDUSTRIAL DR., S-110 ST. LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 50,000 |
The tables below break down 2009 mortgage applications in St. Clair County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for St. Clair County, MO in 2009
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 | 144 | $15,408,000 | $107,000 | $315,000 | $68,000 | $2,892,000 |
| Home Purchase | 61 | $4,221,000 | $69,000 | $186,000 | $41,000 | $130,000 |
| Home Improvement | 19 | $756,000 | $39,000 | $140,000 | $62,000 | $517,000 |
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 | 189 | $16,773,000 | $88,000 | $315,000 | $67,000 | $2,892,000 |
| Not applicable | 15 | $1,483,000 | $98,000 | $312,000 | $8,000 | $38,000 |
| Not Provided | 13 | $1,262,000 | $97,000 | $243,000 | $27,000 | $59,000 |
| American Indian or Alaskan Native | 4 | $611,000 | $152,000 | $186,000 | $70,000 | $92,000 |
| Black or African American | 3 | $256,000 | $85,000 | $93,000 | $39,000 | $61,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 157 | $12,107,000 | $77,000 | $276,000 | $70,000 | $2,892,000 |
| FHA-insured (Federal Housing Administration) | 57 | $6,482,000 | $113,000 | $315,000 | $37,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,520,000 | $190,000 | $312,000 | $35,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $276,000 | $138,000 | $174,000 | $65,000 | $70,000 |
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 | 108 | $8,417,000 | $77,000 | $260,000 | $55,000 | $517,000 |
| Application Denied By Financial Institution | 56 | $5,802,000 | $103,000 | $315,000 | $99,000 | $2,892,000 |
| Loan Purchased By The Institution | 28 | $2,977,000 | $106,000 | $312,000 | $23,000 | $180,000 |
| Application Approved But Not Accepted | 15 | $1,370,000 | $91,000 | $175,000 | $55,000 | $130,000 |
| Application Withdrawn By Applicant | 12 | $1,399,000 | $116,000 | $243,000 | $35,000 | $61,000 |
| File Closed For Incompleteness | 5 | $420,000 | $84,000 | $107,000 | $27,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $1,902,000 | $146,000 | $274,000 | $279,000 | $2,892,000 |
| Credit History | 11 | $733,000 | $66,000 | $154,000 | $34,000 | $96,000 |
| Debt-To-Income Ratio | 10 | $822,000 | $82,000 | $143,000 | $43,000 | $150,000 |
| Unverifiable Information | 3 | $332,000 | $110,000 | $155,000 | $40,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $93,000 | $46,000 | $56,000 | $47,000 | $61,000 |
| Employment History | 1 | $92,000 | $92,000 | $92,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 1 | $82,000 | $82,000 | $82,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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