EAST ST LOUIS ACTION RESEARCH PROJECT

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Loan Data



 
Tables G1-G4            

LOAN DATA (1997)*: FREQUENCY AND AMOUNT OF LOANS AT ORIGINATION

           
Table G1-a            

Frequency and Amount of Loans (Small Business) at Origination for Those in LOW Income Bracket (Grouped Under Amount Ranges)

  <= $100,000  > $100,000 but <= $250,000  > $250,000 
  Frequency Loan Amount  Frequency Loan Amount  Frequency Loan Amount 
Alorton*** 5 $ 162,000  1 $ 150,000  1 $ 500,000 
Centreville*** 2 $ 96,000  0 $ -  0 $ - 
Washington Park*** 5 $ 28,000  0 $ -  0 $ - 
East Saint Louis 62 $ 1,342,000  7 $ 1,087,000  4 $ 1,473,000 
Combined 4 ECs 74 $ 1,628,000  8 $ 1,237,000  5 $ 1,973,000 
Saint Clair County 78 $ 1,667,000  8 $ 1,237,000  5 $ 1,973,000 
Suburban Ring 4 $ 39,000  0 $ -  0 $ - 
Saint Louis 527 $ 13,247,000  66 $ 11,435,000  59 $ 29,741,000 
Saint Louis MSA 624 $ 15,267,000  75 $ 12,847,000  64 $ 31,714,000 
** "Brooklyn" is omitted because the census tract that it is located in corresponds more with other towns (e.g. East Saint Louis) than this one
*** note: parts of such municipalities include slightly shared data with East Saint Louis because data was only listed as census tracts, which often tend to group numerous parts of towns within a tract
             
Table G1-b            

% of Loans and Loan Amounts for those in LOW Income Bracket

       
  % of Loans $ of Loan Amounts        
Alorton 100.0% 100.0%        
Centreville 100.0% 100.0%        
Washington Park 100.0% 100.0%        
East Saint Louis 45.9% 65.7%        
Combined 4 ECs 50.3% 70.4%        
Saint Clair County 4.7% 3.8%        
Suburban Ring 0.2% 0.0%        
Saint Louis 26.8% 26.1%        
Saint Louis MSA 7.0% 8.0%        
             
Table G2-a            

Frequency and Amount of Loans (Small Business) at Origination for Those in MODERATE Income Bracket (Grouped Under $ Ranges)***

  <= $100,000 > $100,000 but <= $250,000 > $250,000
  Frequency Loan Amount Frequency Loan Amount Frequency Loan Amount
Alorton 0 $ -  0 $ -  0 $ - 
Centreville 0 $ -  0 $ -  0 $ -
Washington Park 0 $ -  0 $ -  0 $ - 
East Saint Louis 72 $ 1,669,000  0 $ -  0 $ - 
Combined 4 ECs 72 $ 1,669,000  0 $ -  0 $ - 
Saint Clair County 238 $ 5,573,000  30 $ 5,149,000  25 $ 14,450,000 
Suburban Ring 166 $ 3,904,000  30 $ 5,149,000  25 $ 14,450,000 
Saint Louis 559 $ 12,712,000  68 $ 11,349,000  80 $ 43,336,000 
Saint Louis MSA 1454 $ 33,223,000  156 $ 27,618,000  159 $ 82,937,000 
** "Brooklyn" is omitted because the census tract that it is located in corresponds more with other towns (e.g. East Saint Louis) than this one
*** shaded area means data is not available in the  income bracket        
             
Table G2-b            

% of Loans and Loan Amounts for Those in MODERATE Income Bracket

       
  % of Loans $ of Loan Amounts        
Alorton 0.0% 0.0%        
Centreville 0.0% 0.0%        
Washington Park 0.0% 0.0%        
East Saint Louis 45.3% 28.1%        
Combined 4 ECs 41.6% 24.3%        
Saint Clair County 15.2% 19.9%        
Suburban Ring 12.6% 19.6%        
Saint Louis 29.1% 32.4%        
Saint Louis MSA 16.2% 19.3%        
             
Table G3-a          

 

Frequency and Amount of Loans (Small Business) at Origination for Those in MIDDLE Income Bracket (Grouped Under $ Ranges)***

  <= $100,000 > $100,000 but <= $250,000 > $250,000
  Frequency Loan Amount Frequency Loan Amount Frequency Loan Amount
Alorton 0 $ -  0 $ -  0 $ - 
Centreville 0 $ -  0 $ -  0 $ - 
Washington Park 0 $ -  0 $ -  0 $ - 
East Saint Louis 14 $ 369,000  0 $ -  0 $ - 
Combined 4 ECs 14 $ 369,000  0 $ -  0 $ - 
Saint Clair County 1231 $ 28,377,000  116 $ 19,243,000  83 $ 41,362,000 
Suburban Ring 1217 $ 28,008,000  116 $ 19,243,000  83 $ 41,362,000 
Saint Louis 845 $ 19,481,000  94 $ 15,996,000  97 $ 48,229,000 
Saint Louis MSA 6178 $ 146,946,000  673 $ 111,907,000  413 $ 203,669,000 
** "Brooklyn" is omitted because the census tract that it is located in corresponds more with other towns (e.g. East Saint Louis) than this one
*** shaded area means data is not available in the  income bracket        
             
Table G3-b          

 

% of Loans and Loan Amounts for Those in MIDDLE Income Bracket

       
  % of Loans $ of Loan Amounts        
Alorton 0.0% 0.0%        
Centreville 0.0% 0.0%        
Washington Park 0.0% 0.0%        
East Saint Louis 8.8% 6.2%        
Combined 4 ECs 8.1% 5.4%        
Saint Clair County 74.2% 70.2%        
Suburban Ring 80.8% 74.0%        
Saint Louis 42.7% 40.2%        
Saint Louis MSA 66.4% 62.0%        
             
Table G4-a            

Frequency and Amount of Loans (Small Business) at Origination for Those in UPPER Income Bracket (Grouped Under $ Ranges)***

  <= $100,000 > $100,000 but <= $250,000 > $250,000
  Frequency Loan Amount Frequency Loan Amount Frequency Loan Amount
Alorton 0 $ -  0 $ -  0 $ - 
Centreville 0 $ -  0 $ -  0 $ - 
Washington Park 0 $ -  0 $ -  0 $ - 
East Saint Louis 0 $ -  0 $ -  0 $ - 
Combined 4 ECs 0 $ -  0 $ -  0 $ - 
Saint Clair County 94 $ 2,158,000  11 $ 1,973,000  7 $ 3,539,000 
[Suburban Ring] 94 $ 2,158,000  11 $ 1,973,000 7 $ 3,539,000 
Saint Louis 28 $ 605,000  3 $ 490,000  3 $ 1,680,000 
Saint Louis MSA 933 $ 21,383,000  135 $ 22,422,000  78 $ 35,773,000 
** "Brooklyn" is omitted because the census tract that it is located in corresponds more with other towns (e.g. East Saint Louis) than this one
*** shaded area means data is not available in the income bracket        
             
Table G4-b            

% of Loans and Loan Amounts for Those in UPPER Income Bracket

       
  % of Loans $ of Loan Amounts        
Alorton 0.0% 0.0%        
Centreville 0.0% 0.0%        
Washington Park 0.0% 0.0%        
East Saint Louis 0.0% 0.0%        
Combined 4 Ecs 0.0% 0.0%        
Saint Clair County 5.8% 6.1%        
Suburban Ring 6.4% 6.4%        
Saint Louis 1.4% 1.3%        
Saint Louis MSA 10.5% 10.7%        
* note:  CRA only records 'Small Business" and "Small Farm"
 Source: www.ffiec.gov HMDA Aggregates portion (specifically:  http://www.ffiec.gov/cgi-bin/pbisa60.dll/hmda_rpt/u_agg_rpt/of_create_table)
(Note: FFIEC stands for the Federal Financial Institutions Examination Council)
 
 
Table G5        

 

LOAN DATA (1997): DISPOSITION OF KEY LOAN APPLICATIONS* and PERCENTAGE ACCEPTED/DENIED

Table G5-a        

 

Disposition of Key Loan Applications (1997)

    Home Purchase Loans* Re-Financing Loans Home Improvement Loans Non-Occupant Loans
Alorton Loan Originated 12  15 
  Application Denied 25  26  20 
Centreville Loan Originated 18 
  Application Denied 13 
Washington Park Loan Originated 16  64  20  15 
  Application Denied 18  47  49 
East Saint Louis Loan Originated 151  434  175  15 
  Application Denied 286  422  301  53 
Combined 4 ECs Loan Originated 186  531  209  36 
  Application Denied 338  508  376  62 
Saint Clair County Loan Originated 3,339  3,140  1,055  571 
  Application Denied 1,382  1,436  802  161 
Suburban Ring Loan Originated 3,153  2,609  846  535 
  Application Denied 1,044  928  426 99 
Saint Louis Loan Originated 4,773  3,264  1,104  1,228 
  Application Denied 1,023  2,177  1,344  482 
Saint Louis MSA Loan Originated 43,940  39,163  11,210  5,549 
  Application Denied 12,313  13,938  7,522  1,782 
* include: FHA, FMHA, VA, and Conventional loan types      
           
Table G5-b        

 

% of Loan Applications Originated and % Denied

    Home Purchase Loans** Re-Financing Loans Home Improvement Loans Non-Occupant Loans
Alorton % Originated 32.4% 36.6% 28.6% 33.3%
  % Denied 67.6% 63.4% 71.4% 66.7%
Centreville % Originated 43.8% 58.1% 50.0% 100.0%
  % Denied 56.3% 41.9% 50.0% 0.0%
Washington Park % Originated 47.1% 57.7% 29.0% 68.2%
  % Denied 52.9% 42.3% 71.0% 31.8%
East Saint Louis % Originated 34.6% 50.7% 36.8% 22.1%
  % Denied 65.4% 49.3% 63.2% 77.9%
Combined 4 ECs % Originated 35.5% 51.1% 35.7% 36.7%
  % Denied 64.5% 48.9% 64.3% 63.3%
Saint Clair County % Originated 70.7% 68.6% 56.8% 78.0%
  % Denied 29.3% 31.4% 43.2% 22.0%
Suburban Ring % Originated 75.1% 73.8% 66.5% 84.4%
  % Denied 24.9% 26.2% 33.5% 15.6%
Saint Louis % Originated 82.3% 60.0% 45.1% 71.8%
  % Denied 17.7% 40.0% 54.9% 28.2%
Saint Louis MSA % Originated 78.1% 73.8% 59.8% 75.7%
  % Denied 21.9% 26.2% 40.2% 24.3%
* Note:  loans include those only to 1-4 family dwellings
Source: www.ffiec.gov CRA Aggregates portion (specifically:  http://www.ffiec.gov/cgi-bin/pbisa60.dll/WebCRAAD/uo_aggregate/of_process_retrieve)
(Note: FFIEC stands for the Federal Financial Institutions Examination Council)
 

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