St. Clair County, MO Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 217 mortgage applications in St. Clair County, MO totaling $20.5 million, down 3% from 2009. The average application was for $94,000, and applicants reported an average income of $48,000. 49% of applications resulted in an originated loan and 25% were denied. The most active lender was Hawthorn Bank, with 52 applications, followed by Wells Fargo Bank, NA 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 | 217 |
| Total Mortgage Loan Application Amount | $20,462,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $768,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $597,000 |
* 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 |
* | $ 1,217,700,000 | 52 | $ 2,778,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 21 | $ 2,326,000 |
| Community First Bank P.O. BOX 407 BUTLER, MO 64730 |
* | $ 122,830,000 | 13 | $ 857,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 12 | $ 1,146,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 12 | $ 966,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 9 | $ 1,274,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 857,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 595,000 |
| First Community Bank 301 SE MAIN STREET LEES SUMMIT, MO 64063 |
* | $ 599,643,000 | 4 | $ 145,000 |
| Liberty Bank 4625 S. NATIONAL SPRINGFIELD, MO 65810 |
* | $ 949,895,000 | 4 | $ 375,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 17,958,713,000 | 3 | $ 191,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 3 | $ 208,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 1,085,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 3 | $ 706,000 |
| Gershman Investment Corp. 7 N. BEMISTON ST. LOUIS, MO 63105 |
* | $ 31,000,000 | 3 | $ 224,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 231,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 2 | $ 391,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 43,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 374,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 10,219,530,000 | 2 | $ 318,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 2 | $ 118,000 |
| Bank of Urbana P.O. BOX 248 URBANA, MO 65767 |
* | $ 154,983,000 | 2 | $ 128,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 270,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 528,650,000 | 2 | $ 31,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 2 | $ 176,000 |
| Southern Missouri Bank of Marshfield PO BOX M 1292 BANNING ST MARSHFIELD, MO 65706 |
* | $ 100,531,000 | 1 | $ 259,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 1 | $ 98,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 21,000 |
| The Pleasant Hill Bank PO BOX 430 PLEASANT HILL, MO 64080 |
* | $ 68,293,000 | 1 | $ 100,000 |
| Guaranty Bank 1341 W BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 737,051,000 | 1 | $ 38,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 43,971,627,000 | 1 | $ 35,000 |
| First Bank & Trust Company PO BOX 427 WAGONER, OK 74477 |
* | $ 223,480,000 | 1 | $ 539,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 93,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 171,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 197,047,000 | 1 | $ 78,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 93,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 110,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 1 | $ 21,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 41,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 183,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 75,000 |
| Adrian Bank PO BOX 127 ADRIAN, MO 64720 |
* | $ 102,897,000 | 1 | $ 31,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 1 | $ 69,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 11,319,023,000 | 1 | $ 21,000 |
| Country Club Bank ONE WARD PARKWAY KANSAS CITY, MO 64112 |
* | $ 941,533,000 | 1 | $ 5,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 50,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 212,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 179,000 |
| B & L Bank 205 S. 13TH LEXINGTON, MO 64067 |
* | $ 146,839,000 | 1 | $ 34,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 1,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 212,259,000 | 1 | $ 70,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 172,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Paramount Mortgage Company 347 N. LINDBERGH BLVD. ST. LOUIS, MO 63141 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 135,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 123,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 258,000 |
The tables below break down 2010 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 2010
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 | 142 | $15,668,000 | $110,000 | $539,000 | $46,000 | $597,000 |
| Home Purchase | 52 | $4,367,000 | $83,000 | $768,000 | $61,000 | $589,000 |
| Home Improvement | 23 | $427,000 | $18,000 | $50,000 | $32,000 | $74,000 |
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 | 178 | $15,202,000 | $85,000 | $315,000 | $53,000 | $597,000 |
| Not Provided | 16 | $2,386,000 | $149,000 | $768,000 | $46,000 | $108,000 |
| Not applicable | 15 | $2,322,000 | $154,000 | $539,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $152,000 | $50,000 | $93,000 | $34,000 | $83,000 |
| Hispanic | 3 | $223,000 | $74,000 | $79,000 | $42,000 | $56,000 |
| Black or African American | 2 | $177,000 | $88,000 | $122,000 | $46,000 | $52,000 |
| 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) | 153 | $12,580,000 | $82,000 | $768,000 | $51,000 | $597,000 |
| FHA-insured (Federal Housing Administration) | 44 | $4,584,000 | $104,000 | $250,000 | $42,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,888,000 | $192,000 | $315,000 | $33,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $410,000 | $82,000 | $107,000 | $46,000 | $63,000 |
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 | 107 | $8,394,000 | $78,000 | $539,000 | $54,000 | $597,000 |
| Application Denied By Financial Institution | 55 | $5,476,000 | $99,000 | $768,000 | $51,000 | $134,000 |
| Loan Purchased By The Institution | 23 | $2,731,000 | $118,000 | $315,000 | $20,000 | $83,000 |
| Application Withdrawn By Applicant | 16 | $2,165,000 | $135,000 | $260,000 | $42,000 | $90,000 |
| Application Approved But Not Accepted | 12 | $1,172,000 | $97,000 | $178,000 | $43,000 | $120,000 |
| File Closed For Incompleteness | 4 | $524,000 | $131,000 | $175,000 | $36,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $1,416,000 | $70,000 | $260,000 | $53,000 | $134,000 |
| Collateral | 12 | $1,109,000 | $92,000 | $219,000 | $53,000 | $123,000 |
| Debt-To-Income Ratio | 7 | $1,345,000 | $192,000 | $768,000 | $44,000 | $66,000 |
| Other | 3 | $205,000 | $68,000 | $88,000 | $54,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $77,000 | $77,000 | $77,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $90,000 | $90,000 | $90,000 | $52,000 | $52,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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