Clark County, MO Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 119 mortgage applications in Clark County, MO totaling $17.9 million, up 92% from 2019. The average application was for $150,000, and applicants reported an average income of $74,000. 66% of applications resulted in an originated loan and 14% were denied. The most active lender was Peoples Bank & Trust Co., with 32 applications, followed by Plains Commerce Bank and United Community 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 | 119 |
| Total Mortgage Loan Application Amount | $17,905,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $196,000 |
| 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 |
* | $ 485,291,000 | 32 | $ 5,340,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 10 | $ 1,720,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 8 | $ 1,060,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 4 | $ 380,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 853,289,000 | 4 | $ 890,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 4 | $ 700,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 585,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD. JEFFERSON CITY, MO 65101 |
* | $ 644,699,000 | 3 | $ 485,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 305,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 355,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 435,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 220,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 473,977,000 | 2 | $ 180,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 120,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 310,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 360,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 245,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 105,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 796,073,000 | 1 | $ 95,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 208,018,000 | 1 | $ 225,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 135,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 185,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 421,979,000 | 1 | $ 165,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 709,695,000 | 1 | $ 45,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 135,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 374,223,000 | 1 | $ 145,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 265,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 155,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 125,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 65,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 245,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,040,288,000 | 1 | $ 165,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 682,935,000 | 1 | $ 55,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 517,723,000 | 1 | $ 125,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 359,332,000 | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 65,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2020 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 2020
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 | 48 | $8,200,000 | $170,000 | $405,000 | $81,000 | $158,000 |
| Home Purchase | 41 | $4,995,000 | $121,000 | $365,000 | $59,000 | $196,000 |
| Cash-out Refinancing | 25 | $4,145,000 | $165,000 | $345,000 | $80,000 | $153,000 |
| Other Purpose | 3 | $365,000 | $121,000 | $135,000 | $106,000 | $109,000 |
| Home Improvement | 1 | $75,000 | $75,000 | $75,000 | $138,000 | $138,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $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 | 100 | $14,970,000 | $149,000 | $405,000 | $73,000 | $196,000 |
| Not Provided | 11 | $1,685,000 | $153,000 | $235,000 | $77,000 | $153,000 |
| Not applicable | 6 | $920,000 | $153,000 | $245,000 | $105,000 | $105,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $117,000 | $117,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 95 | $14,935,000 | $157,000 | $405,000 | $78,000 | $196,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,185,000 | $145,000 | $265,000 | $55,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 9 | $785,000 | $87,000 | $135,000 | $39,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 78 | $11,990,000 | $153,000 | $365,000 | $75,000 | $196,000 |
| Application Denied By Financial Institution | 17 | $1,775,000 | $104,000 | $245,000 | $59,000 | $95,000 |
| Application Withdrawn By Applicant | 8 | $1,500,000 | $187,000 | $285,000 | $82,000 | $156,000 |
| Loan Purchased By The Institution | 8 | $1,280,000 | $160,000 | $245,000 | $74,000 | $105,000 |
| Application Approved But Not Accepted | 5 | $1,035,000 | $207,000 | $405,000 | $96,000 | $158,000 |
| File Closed For Incompleteness | 3 | $325,000 | $108,000 | $205,000 | $87,000 | $138,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 70 | $10,610,000 | $151,000 | $365,000 | $71,000 | $153,000 |
| Debt-To-Income Ratio | 40 | $6,710,000 | $167,000 | $405,000 | $84,000 | $196,000 |
| Credit History | 3 | $185,000 | $61,000 | $65,000 | $58,000 | $67,000 |
| Unverifiable Information | 2 | $190,000 | $95,000 | $115,000 | $59,000 | $65,000 |
| Collateral | 2 | $130,000 | $65,000 | $65,000 | $36,000 | $49,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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