Clark County, MO Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 103 mortgage applications in Clark County, MO totaling $11.1 million, down 23% from 2012. The average application was for $107,000, and applicants reported an average income of $66,000. 33% of applications resulted in an originated loan and 25% were denied. The most active lender was Peoples Bank & Trust Co., with 13 applications, followed by US Bank, N.A. and Dubuque Bank and Trust Company.
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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 | 103 |
| Total Mortgage Loan Application Amount | $11,076,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $500,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 420,446,000 | 13 | $ 1,237,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 10 | $ 1,356,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,482,504,000 | 10 | $ 876,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,927,655,000 | 10 | $ 1,336,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 647,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 6 | $ 485,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 5 | $ 460,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 5 | $ 688,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 4 | $ 490,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 4 | $ 364,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 3 | $ 398,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 796,436,000 | 2 | $ 285,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 148,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 109,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 953,650,000 | 2 | $ 228,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 406,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 86,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 220,000 |
| Bloomsdale Bank 55 MILL HILL ROAD, P. O. BOX 100 BLOOMSDALE, MO 63627 |
* | $ 194,346,000 | 1 | $ 190,000 |
| First National Bank of Stlouis 7707 FORSYTH BLVD CLAYTON, MO 63105 |
* | $ 1,424,983,000 | 1 | $ 161,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 21,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 130,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 56,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 38,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 404,150,000 | 1 | $ 170,000 |
The tables below break down 2013 mortgage applications in Clark 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 Clark County, MO in 2013
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 | 66 | $7,714,000 | $116,000 | $417,000 | $68,000 | $500,000 |
| Home Purchase | 26 | $2,362,000 | $90,000 | $190,000 | $56,000 | $226,000 |
| Home Improvement | 11 | $1,000,000 | $90,000 | $224,000 | $77,000 | $204,000 |
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 | 87 | $9,347,000 | $107,000 | $417,000 | $69,000 | $500,000 |
| Not Provided | 13 | $1,568,000 | $120,000 | $224,000 | $58,000 | $92,000 |
| Hispanic | 2 | $160,000 | $80,000 | $80,000 | $32,000 | $32,000 |
| Not applicable | 1 | $1,000 | $1,000 | $1,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 79 | $8,906,000 | $112,000 | $417,000 | $75,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,261,000 | $84,000 | $128,000 | $40,000 | $73,000 |
| FHA-insured (Federal Housing Administration) | 6 | $550,000 | $91,000 | $139,000 | $29,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 3 | $359,000 | $119,000 | $161,000 | $27,000 | $32,000 |
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 | 34 | $3,362,000 | $98,000 | $200,000 | $70,000 | $226,000 |
| Application Denied By Financial Institution | 26 | $2,845,000 | $109,000 | $417,000 | $62,000 | $177,000 |
| Loan Purchased By The Institution | 20 | $1,846,000 | $92,000 | $161,000 | $55,000 | $298,000 |
| Application Withdrawn By Applicant | 9 | $1,466,000 | $162,000 | $245,000 | $122,000 | $500,000 |
| Application Approved But Not Accepted | 9 | $1,009,000 | $112,000 | $293,000 | $49,000 | $90,000 |
| File Closed For Incompleteness | 5 | $548,000 | $109,000 | $159,000 | $37,000 | $68,000 |
| 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 | $891,000 | $99,000 | $162,000 | $63,000 | $89,000 |
| Collateral | 4 | $343,000 | $85,000 | $160,000 | $67,000 | $96,000 |
| Credit Application Incomplete | 1 | $129,000 | $129,000 | $129,000 | $84,000 | $84,000 |
| Other | 1 | $325,000 | $325,000 | $325,000 | $100,000 | $100,000 |
| Debt-To-Income Ratio | 1 | $15,000 | $15,000 | $15,000 | $34,000 | $34,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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