Carroll County, MO Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 175 mortgage applications in Carroll County, MO totaling $24.7 million, down 17% from 2022. The average application was for $141,000, and applicants reported an average income of $93,000. 59% of applications resulted in an originated loan and 15% were denied. The most active lender was Btc Bank, with 32 applications, followed by Flat Branch Mortgage, Inc. and Community Banc Mortgage Corp.
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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 | 175 |
| Total Mortgage Loan Application Amount | $24,695,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,055,000 |
* 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 |
|---|---|---|---|---|
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ 1,003,955,000 | 32 | $ 3,400,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 16 | $ 2,040,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 14 | $ 2,610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,075,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 6 | $ 490,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 925,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 865,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 9,523,916,000 | 4 | $ 350,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 590,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 460,000 |
| Goppert Financial Bank 710 OAK ST. P.O. BOX 606 LATHROP, MO 64465 |
* | $ 240,666,000 | 4 | $ 1,030,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ -1,000 | 4 | $ 650,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ 1,123,137,000 | 3 | $ 305,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 315,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 455,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 675,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 230,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ 545,162,000 | 2 | $ 1,230,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 440,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 31,679,817,000 | 2 | $ 60,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 2 | $ 290,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 360,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 220,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 320,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 135,000 |
| Conservation Emp Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65109 |
* | $ 153,622,000 | 1 | $ 65,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 165,000 |
| United Bank of Union PO BOX 500 UNION, MO 63084 |
* | $ 481,509,000 | 1 | $ 405,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 75,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 75,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 85,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 105,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 105,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 1 | $ 105,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 45,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ -1,000 | 1 | $ 95,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 1 | $ 305,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ 199,413,000 | 1 | $ 65,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 1 | $ 25,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,684,000,000 | 1 | $ 115,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 125,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 145,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 847,636,000 | 1 | $ 135,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 265,000 |
| Central Missouri Community Credit Union 620 N MAGUIRE WARRENSBURG, MO 64093 |
* | $ 139,911,000 | 1 | $ 195,000 |
| Pony Express Bank 215 NORTH 291 HIGHWAY LIBERTY, MO 64068 |
* | $ 347,101,000 | 1 | $ 55,000 |
| Community Bank of Missouri 904 WALTON WAY RICHMOND, MO 64085 |
* | $ 83,217,000 | 1 | $ 65,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 185,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 35,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 75,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 3,866,130,000 | 1 | $ 135,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,976,744,000 | 1 | $ 155,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 38,279,055,000 | 1 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 235,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
The tables below break down 2023 mortgage applications in Carroll 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 Carroll County, MO in 2023
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 | 123 | $19,955,000 | $162,000 | $905,000 | $96,000 | $1,055,000 |
| Refinancing | 22 | $1,590,000 | $72,000 | $195,000 | $81,000 | $201,000 |
| Cash-out Refinancing | 17 | $2,325,000 | $136,000 | $305,000 | $80,000 | $192,000 |
| Other Purpose | 7 | $565,000 | $80,000 | $175,000 | $128,000 | $195,000 |
| Home Improvement | 6 | $260,000 | $43,000 | $85,000 | $79,000 | $122,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 137 | $19,735,000 | $144,000 | $905,000 | $95,000 | $1,055,000 |
| Not applicable | 28 | $3,700,000 | $132,000 | $255,000 | $0 | $0 |
| Not Provided | 3 | $505,000 | $168,000 | $295,000 | $64,000 | $109,000 |
| Hispanic | 3 | $305,000 | $101,000 | $115,000 | $69,000 | $122,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $95,000 | $55,000 | $72,000 |
| Black or African American | 2 | $300,000 | $150,000 | $175,000 | $56,000 | $65,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 98 | $13,290,000 | $135,000 | $905,000 | $104,000 | $1,055,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,325,000 | $136,000 | $305,000 | $79,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $3,795,000 | $140,000 | $375,000 | $63,000 | $225,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,285,000 | $207,000 | $305,000 | $89,000 | $134,000 |
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 | 103 | $14,935,000 | $145,000 | $905,000 | $99,000 | $1,055,000 |
| Application Denied By Financial Institution | 26 | $2,960,000 | $113,000 | $325,000 | $65,000 | $195,000 |
| Loan Purchased By The Institution | 23 | $3,185,000 | $138,000 | $255,000 | $86,000 | $107,000 |
| Application Withdrawn By Applicant | 18 | $3,030,000 | $168,000 | $375,000 | $107,000 | $391,000 |
| File Closed For Incompleteness | 3 | $255,000 | $85,000 | $125,000 | $65,000 | $122,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $75,000 | $75,000 |
| Preapproval Approved but not Accepted | 1 | $265,000 | $265,000 | $265,000 | $123,000 | $123,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 109 | $16,255,000 | $149,000 | $485,000 | $83,000 | $336,000 |
| Debt-To-Income Ratio | 48 | $6,710,000 | $139,000 | $905,000 | $121,000 | $1,055,000 |
| Credit History | 9 | $945,000 | $105,000 | $295,000 | $86,000 | $185,000 |
| Credit Application Incomplete | 3 | $315,000 | $105,000 | $175,000 | $50,000 | $94,000 |
| Collateral | 2 | $140,000 | $70,000 | $85,000 | $46,000 | $72,000 |
| Other | 2 | $100,000 | $50,000 | $85,000 | $134,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $155,000 | $40,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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