Community State Bank Of Missouri
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004

Community State Bank Of Missouri 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Community State Bank Of Missouri
117 W Church St
Bowling Green, MO 63334
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 232
Total Mortgage Loan Application Amount $14,952,000
Average Mortgage Loan Application Amount $130,000
Highest Mortgage Loan Application Amount $450,000
Average Applicant Income $75,400
Highest Applicant Income $420,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Community State Bank Of Missouri. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Community State Bank Of Missouri's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2004 breaks down Community State Bank Of Missouri's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Community State Bank Of Missouri serves its applicants.

Each category highlights the total number of mortgage applications processed by Community State Bank Of Missouri, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Community State Bank Of Missouri's mortgage activity for 2004.

Mortgage Loan Application Totals for Community State Bank Of Missouri by Metropolitan Area in 2004

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 71 $ 5,522,000 $ 77,000 $ 42,000
DALLAS-PLANO-IRVING, TX 1 $ 450,000 $ 450,000 $ 138,000

Mortgage Loan Application Detail Totals for Community State Bank Of Missouri in 2004

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 116 $7,499,000 $178,666 $450,000 $101,333 $420,000
Refinancing 105 $6,904,000 $65,000 $439,000 $35,000 $180,000
Home Improvement 11 $549,000 $49,000 $116,000 $38,000 $64,000

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 212 $13,881,000 $179,333 $450,000 $98,000 $180,000
Not applicable 8 $394,000 $49,000 $133,000 $0 $0
Black or African American 6 $124,000 $20,000 $58,000 $20,000 $36,000
American Indian or Alaskan Native 2 $57,000 $28,000 $36,000 $14,000 $28,000
Asian 2 $380,000 $190,000 $200,000 $250,000 $420,000
Hispanic 1 $64,000 $64,000 $64,000 $42,000 $42,000
Not Provided 1 $52,000 $52,000 $52,000 $88,000 $88,000
Native Hawaiian or Other Pacific Islander 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) 232 $14,952,000 $179,000 $450,000 $99,000 $420,000
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
VA-guaranteed (Veterans Administration) 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 Originated 171 $11,338,000 $66,000 $439,000 $50,000 $420,000
Application Denied By Financial Institution 42 $2,547,000 $250,500 $450,000 $88,000 $138,000
Application Withdrawn By Applicant 19 $1,067,000 $41,000 $115,000 $76,000 $115,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
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
Credit History 19 $703,000 $37,000 $92,000 $32,000 $58,000
Collateral 14 $796,000 $56,000 $188,000 $35,000 $107,000
Employment History 4 $128,000 $32,000 $55,000 $39,000 $70,000
Debt-To-Income Ratio 3 $310,000 $103,000 $138,000 $71,000 $88,000
Other 1 $450,000 $450,000 $450,000 $138,000 $138,000
Unverifiable Information 1 $160,000 $160,000 $160,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
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 Community State Bank Of Missouri's 2004 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 Community State Bank Of Missouri'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.

Download the Missouri Lender List