Chariton County, MO Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 105 mortgage applications in Chariton County, MO totaling $11.3 million, up 7% from 2014. The average application was for $107,000, and applicants reported an average income of $92,000. 56% of applications resulted in an originated loan and 23% were denied. The most active lender was US Bank, N.A., with 26 applications, followed by Merchants & Farmers Bank and Preferred 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 | 105 |
| Total Mortgage Loan Application Amount | $11,287,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $369,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $2,184,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 26 | $ 1,821,000 |
| Merchants & Farmers Bank 507 N WEBER SALISBURY, MO 65281 |
* | $ 107,741,000 | 10 | $ 772,000 |
| Preferred Bank PO BOX 8 ROTHVILLE, MO 64676 |
* | $ 109,096,000 | 10 | $ 705,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 149,740,000 | 5 | $ 1,154,000 |
| First Missouri Bank PO BOX 190 BROOKFIELD, MO 64628 |
* | $ 164,865,000 | 5 | $ 722,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 4,800,524,000 | 4 | $ 224,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 4 | $ 802,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 150,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 3 | $ 472,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 148,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 110,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 181,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 2 | $ 221,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 2 | $ 270,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 295,000 |
| Goppert Financial Bank P.O. BOX 606 LATHROP, MO 64465 |
* | $ 85,751,000 | 1 | $ 200,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 175,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 708,312,000 | 1 | $ 234,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Community Bank of Marshall P.O. BOX 700 MARSHALL, MO 65340 |
* | $ 148,675,000 | 1 | $ 135,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 46,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 147,431,000 | 1 | $ 50,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 149,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 175,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 61,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 23,881,169,000 | 1 | $ 324,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 150,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 56,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 106,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 136,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 147,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 165,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 55,000 |
| Commercial Trust Company 119 NORTH MAIN STREET FAYETTE, MO 65248 |
* | $ 127,034,000 | 1 | $ 369,000 |
The tables below break down 2015 mortgage applications in Chariton 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 Chariton County, MO in 2015
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 | 54 | $6,376,000 | $118,000 | $369,000 | $82,000 | $628,000 |
| Home Purchase | 39 | $4,137,000 | $106,000 | $324,000 | $114,000 | $2,184,000 |
| Home Improvement | 12 | $774,000 | $64,000 | $275,000 | $66,000 | $175,000 |
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 | 81 | $8,735,000 | $107,000 | $369,000 | $105,000 | $2,184,000 |
| Not Provided | 11 | $1,033,000 | $93,000 | $273,000 | $71,000 | $114,000 |
| Not applicable | 9 | $1,260,000 | $140,000 | $217,000 | $16,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $180,000 | $90,000 | $90,000 | $52,000 | $57,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $46,000 | $46,000 |
| Black or African American | 1 | $34,000 | $34,000 | $34,000 | $75,000 | $75,000 |
| Hispanic | 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) | 86 | $9,354,000 | $108,000 | $369,000 | $105,000 | $2,184,000 |
| FHA-insured (Federal Housing Administration) | 10 | $928,000 | $92,000 | $147,000 | $36,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 6 | $699,000 | $116,000 | $149,000 | $36,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $306,000 | $102,000 | $175,000 | $35,000 | $75,000 |
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 | 59 | $7,276,000 | $123,000 | $369,000 | $124,000 | $2,184,000 |
| Application Denied By Financial Institution | 24 | $1,416,000 | $59,000 | $152,000 | $40,000 | $105,000 |
| File Closed For Incompleteness | 7 | $719,000 | $102,000 | $273,000 | $79,000 | $114,000 |
| Loan Purchased By The Institution | 7 | $843,000 | $120,000 | $165,000 | $21,000 | $96,000 |
| Application Withdrawn By Applicant | 6 | $906,000 | $151,000 | $248,000 | $103,000 | $191,000 |
| Application Approved But Not Accepted | 2 | $127,000 | $63,000 | $72,000 | $47,000 | $52,000 |
| 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 | 9 | $439,000 | $48,000 | $95,000 | $37,000 | $105,000 |
| Collateral | 7 | $453,000 | $64,000 | $152,000 | $41,000 | $69,000 |
| Credit Application Incomplete | 1 | $57,000 | $57,000 | $57,000 | $47,000 | $47,000 |
| Other | 1 | $11,000 | $11,000 | $11,000 | $27,000 | $27,000 |
| Debt-To-Income Ratio | 1 | $135,000 | $135,000 | $135,000 | $80,000 | $80,000 |
| Employment History | 1 | $53,000 | $53,000 | $53,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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