PlainLender

Carrollton Bank

Saint Louis, MO

Carrollton Bank processed 1,538 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,214 loans with a 7.6% denial rate. Home Purchase was the primary loan purpose. Based in Saint Louis, MO. The approval rate of 78.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Carrollton Bank processed 1,538 HMDA-reported mortgage applications in 2024, originating 1,214 loans and denying 117 for a denial rate of 7.6% (applicants themselves withdrew 195 files before a decision). The average loan amount was $219,233 at a 6.865% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 549300CP7747DCRW6U68 from Saint Louis, MO.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Carrollton Bank's 78.9% origination rate tells you how often an application turned into funded money; the 7.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,370 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,538
Applications
1,214
Originated
7.6%
Denial Rate
$219,233
Avg Loan Amount
Avg Interest Rate: 6.865% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,370 1,100 101 $219,241
FHA 106 69 13 $173,396
VA 56 39 3 $316,071
USDA 6 6 0 $123,333

Top loan types — Carrollton Bank

Top loan types — Carrollton Bank Horizontal bar chart of the top 4 items by value (applications). Top loan types — Carrollton Bank Top 4 1. Conventional 1,370 2. FHA 106 3. VA 56 4. USDA 6 Top 5 loan types by application volume at Carrollton Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Carrollton Bank (LEI: 549300CP7747DCRW6U68) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
61
Debt-to-income ratio
59
Other
18
Collateral
18
Credit application incomplete
6
Unverifiable information
2
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,098 908 $245,838
Refinancing 146 118 $217,055
Other 133 88 $106,880
Home Improvement 123 79 $105,325
Cash-out Refinancing 38 21 $220,789

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 895 81.3% 5.8%
Black or African American 212 67.0% 17.0%
Asian 46 63.0% 13.0%
Joint 17 58.8% 5.9%
American Indian or Alaska Native 2 50.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 959 78.9% 8.0%
Hispanic or Latino 104 75.0% 11.5%
Joint 8 75.0% 12.5%

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

NBKC BANK

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

FLAT BRANCH MORTGAGE, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

DAS ACQUISITION COMPANY, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

THE CENTRAL TRUST BANK

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare Carrollton Bank vs Mortgage Research Center →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did Carrollton Bank process?
Carrollton Bank processed 1,538 mortgage applications in the 2023 HMDA reporting year. Of these, 1,214 were originated (approved and funded), 195 were withdrawn by the applicant, and 117 were denied.
What is Carrollton Bank's mortgage approval rate?
Carrollton Bank has an approval (origination) rate of 78.9%, meaning 78.9% of all applications resulted in a funded mortgage. The denial rate is 7.6%.
What is the average loan amount at Carrollton Bank?
The average mortgage loan amount at Carrollton Bank is $219,233. The average interest rate is 6.865%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at Carrollton Bank?
The most common reasons for mortgage denial at Carrollton Bank are: Credit history, Debt-to-income ratio, Other. In total, 117 applications were denied out of 1,538 total applications.
What types of mortgage loans does Carrollton Bank offer?
Carrollton Bank processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,370 applications and an average loan amount of $219,241.
What loan purposes does Carrollton Bank serve?
Carrollton Bank serves the following loan purposes: Home Purchase (1,098 applications), Refinancing (146 applications), Other (133 applications), Home Improvement (123 applications), Cash-out Refinancing (38 applications). Home Purchase is the most common purpose.
Where is Carrollton Bank located?
Carrollton Bank is headquartered in Saint Louis, MO. The lender is identified by LEI 549300CP7747DCRW6U68 in HMDA data.
How does Carrollton Bank compare in lending across racial demographics?
Carrollton Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 81.3% and denial rate of 5.8%; Black or African American applicants have an approval rate of 67.0% and denial rate of 17.0%; Asian applicants have an approval rate of 63.0% and denial rate of 13.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.