Clark County, MO Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 68 mortgage applications in Clark County, MO totaling $8.7 million, up 42% from 2015. The average application was for $128,000, and applicants reported an average income of $63,000. 40% of applications resulted in an originated loan and 22% were denied. The most active lender was Peoples Bank & Trust Co., with 10 applications, followed by Dubuque Bank and Trust Company and loanDepot.com LLC.
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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 | 68 |
| Total Mortgage Loan Application Amount | $8,744,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $562,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $336,000 |
| 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 |
* | $ 457,583,000 | 10 | $ 1,492,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,617,322,000 | 7 | $ 847,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 990,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ 1,003,316,000 | 3 | $ 357,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 371,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 3 | $ 397,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 318,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 331,968,000 | 2 | $ 11,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 2 | $ 162,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 2 | $ 324,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 258,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 79,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 155,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 291,351,000 | 1 | $ 74,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 333,779,000 | 1 | $ 42,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 65,000 |
| State Central Bank PO BOX 340 BONAPARTE, IA 52620 |
* | $ 47,758,000 | 1 | $ 100,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 159,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 897,355,000 | 1 | $ 92,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 84,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 1 | $ 219,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 65,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 41,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 83,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 139,000 |
| Bank Northwest 201 S DAVIS HAMILTON, MO 64644 |
* | $ 114,743,000 | 1 | $ 343,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 871,113,000 | 1 | $ 84,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 65,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 80,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 572,586,000 | 1 | $ 132,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 1 | $ 140,000 |
The tables below break down 2016 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 2016
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 | 42 | $6,524,000 | $155,000 | $562,000 | $72,000 | $336,000 |
| Home Purchase | 21 | $1,958,000 | $93,000 | $219,000 | $42,000 | $151,000 |
| Home Improvement | 5 | $262,000 | $52,000 | $126,000 | $77,000 | $127,000 |
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 | 52 | $6,887,000 | $132,000 | $562,000 | $71,000 | $336,000 |
| Not applicable | 8 | $990,000 | $123,000 | $343,000 | $15,000 | $63,000 |
| Not Provided | 6 | $613,000 | $102,000 | $140,000 | $52,000 | $120,000 |
| Asian | 1 | $213,000 | $213,000 | $213,000 | $146,000 | $146,000 |
| Hispanic | 1 | $41,000 | $41,000 | $41,000 | $32,000 | $32,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 48 | $6,524,000 | $135,000 | $562,000 | $78,000 | $336,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,054,000 | $105,000 | $178,000 | $30,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $656,000 | $109,000 | $211,000 | $14,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 4 | $510,000 | $127,000 | $194,000 | $43,000 | $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 | 27 | $2,936,000 | $108,000 | $343,000 | $66,000 | $190,000 |
| Application Denied By Financial Institution | 15 | $2,420,000 | $161,000 | $562,000 | $70,000 | $235,000 |
| Loan Purchased By The Institution | 14 | $1,528,000 | $109,000 | $212,000 | $38,000 | $76,000 |
| Application Withdrawn By Applicant | 7 | $1,004,000 | $143,000 | $270,000 | $84,000 | $336,000 |
| File Closed For Incompleteness | 3 | $429,000 | $143,000 | $194,000 | $66,000 | $120,000 |
| Application Approved But Not Accepted | 2 | $427,000 | $213,000 | $350,000 | $58,000 | $87,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $562,000 | $562,000 | $562,000 | $235,000 | $235,000 |
| Credit History | 1 | $140,000 | $140,000 | $140,000 | $26,000 | $26,000 |
| Debt-To-Income Ratio | 1 | $8,000 | $8,000 | $8,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $123,000 | $123,000 | $123,000 | $59,000 | $59,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $35,000 | $35,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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