Cooper County, MO Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 938 mortgage applications in Cooper County, MO totaling $144.6 million, up 10% from 2020. The average application was for $154,000, and applicants reported an average income of $79,000. 59% of applications resulted in an originated loan and 9% were denied. The most active lender was Alliant Bank, with 84 applications, followed by Flat Branch Mortgage, Inc. and The Central Trust 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 938
Total Mortgage Loan Application Amount $144,590,000
Average Mortgage Loan Application Amount $154,000
Highest Mortgage Loan Application Amount $645,000
Average Applicant Income $79,000
Highest Applicant Income $1,465,000

Mortgage Company List for Lending in Cooper County, MO for 2021

* 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
Alliant Bank
201 S BALTIMORE ST
KIRKSVILLE, MO 63501
* $ 160,401,000 84 $ 12,300,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 82 $ 13,660,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 2,678,315,000 81 $ 13,675,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 53 $ 8,205,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 45 $ 8,445,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 34 $ 5,830,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 25 $ 3,145,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,622,768,000 24 $ 3,820,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 23 $ 3,515,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 23 $ 4,045,000
Btc Bank
1201-2 US-65 BUSINESS
BETHANY, MO 64424
* $ 563,361,000 23 $ 1,365,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 18 $ 2,440,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 374,223,000 16 $ 2,380,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ 134,444,000 15 $ 2,335,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 15 $ 2,515,000
West Community Credit Union
4161 STATE HWY K
O'FALLON, MO 63368
* $ 289,271,000 15 $ 1,935,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 219,165,000 14 $ 1,530,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 13 $ 1,145,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 13 $ 2,115,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 12 $ 1,680,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 26,357,635,000 11 $ 945,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,800,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 10 $ 970,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 267,453,000 9 $ 1,615,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 1,475,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,680,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,070,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 995,323,000 7 $ 715,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,955,469,000 7 $ 1,115,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 7 $ 1,195,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 7 $ 605,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 7 $ 1,035,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 6 $ 600,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 890,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 635,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 5 $ 1,255,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 1,025,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 895,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 925,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 5 $ 1,315,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 4 $ 330,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 4 $ 640,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 380,135,000 4 $ 990,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,255,666,000 4 $ 760,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 550,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 330,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 17,659,319,000 4 $ 700,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 835,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 355,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 295,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 215,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 767,851,000 3 $ 885,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 480,087,000 2 $ 170,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 2 $ 510,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 2 $ 240,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 2 $ 440,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 2 $ 590,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 2 $ 580,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 350,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 2 $ 320,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 300,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 2 $ 490,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 340,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 1,888,189,000 2 $ 300,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 370,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 280,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 2 $ 370,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 240,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 2 $ 290,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 2 $ 300,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 155,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 155,000
Red River Bank
1412 CENTRE COURT DRIVE
ALEXANDRIA, LA 71301
* $ 1,988,197,000 1 $ 345,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 185,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 65,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 1 $ 85,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 1,040,288,000 1 $ 245,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 1 $ 65,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 125,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 225,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 1 $ 115,000
Central Missouri Community Credit Union
620 N MAGUIRE
WARRENSBURG, MO 64093
* $ 106,263,000 1 $ 85,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 135,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 185,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 145,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 6,492,180,000 1 $ 135,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 1 $ 265,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 3,808,206,000 1 $ 175,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 235,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 75,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ -1,000 1 $ 165,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 325,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 295,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 165,000
Homebank
PO BOX 311
PALMYRA, MO 63461
* $ 421,979,000 1 $ 275,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 185,000
Transportation Federal Credit Union
1600 CAMERON STREET
ALEXANDRIA, VA 22314
* $ 242,456,000 1 $ 105,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 165,000
Regional Missouri Bank
1201 S MISSOURI AVE
MARCELINE, MO 64658
* $ 374,290,000 1 $ 35,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 105,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 1 $ 175,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 85,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,483,698,000 1 $ 175,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,825,507,000 1 $ 145,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 1 $ 155,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 205,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 165,000

The tables below break down 2021 mortgage applications in Cooper 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 Cooper County, MO in 2021

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 427 $70,175,000 $164,000 $545,000 $74,000 $385,000
Refinancing 286 $44,920,000 $157,000 $645,000 $90,000 $1,465,000
Cash-out Refinancing 185 $26,275,000 $142,000 $445,000 $77,000 $259,000
Home Improvement 17 $875,000 $51,000 $155,000 $67,000 $112,000
Other Purpose 14 $1,550,000 $110,000 $365,000 $70,000 $219,000
Not Applicable 9 $795,000 $88,000 $175,000 $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 682 $105,100,000 $154,000 $645,000 $80,000 $1,465,000
Not applicable 120 $19,020,000 $158,000 $525,000 $0 $0
Not Provided 99 $15,505,000 $156,000 $445,000 $75,000 $700,000
Black or African American 17 $1,935,000 $113,000 $305,000 $56,000 $160,000
American Indian or Alaskan Native 8 $1,020,000 $127,000 $195,000 $71,000 $206,000
Hispanic 6 $680,000 $113,000 $135,000 $51,000 $88,000
Native Hawaiian or Other Pacific Islander 3 $295,000 $98,000 $175,000 $34,000 $55,000
Asian 2 $690,000 $345,000 $345,000 $160,000 $160,000

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) 653 $99,295,000 $152,000 $645,000 $86,000 $1,465,000
VA-guaranteed (Veterans Administration) 109 $20,315,000 $186,000 $445,000 $65,000 $160,000
FHA-insured (Federal Housing Administration) 107 $16,645,000 $155,000 $295,000 $56,000 $160,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 69 $8,335,000 $120,000 $205,000 $45,000 $87,000

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 555 $86,795,000 $156,000 $545,000 $80,000 $1,465,000
Loan Purchased By The Institution 115 $19,905,000 $173,000 $535,000 $92,000 $246,000
Application Withdrawn By Applicant 112 $17,790,000 $158,000 $645,000 $81,000 $356,000
Application Denied By Financial Institution 88 $11,650,000 $132,000 $545,000 $74,000 $704,000
File Closed For Incompleteness 49 $5,855,000 $119,000 $265,000 $74,000 $700,000
Application Approved But Not Accepted 18 $2,500,000 $138,000 $285,000 $68,000 $128,000
Preapproval Approved but not Accepted 1 $95,000 $95,000 $95,000 $80,000 $80,000
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 805 $127,945,000 $158,000 $645,000 $80,000 $1,465,000
Debt-To-Income Ratio 67 $7,775,000 $116,000 $545,000 $71,000 $220,000
Credit History 31 $3,965,000 $127,000 $345,000 $91,000 $704,000
Collateral 12 $1,720,000 $143,000 $285,000 $49,000 $79,000
Other 8 $1,440,000 $180,000 $305,000 $91,000 $175,000
Credit Application Incomplete 6 $740,000 $123,000 $185,000 $90,000 $206,000
Insufficient Cash (Downpayment, Closing Cost) 5 $485,000 $97,000 $185,000 $63,000 $105,000
Unverifiable Information 3 $335,000 $111,000 $145,000 $60,000 $100,000
Employment History 1 $185,000 $185,000 $185,000 $0 $0
Mortgage Insurance Denied 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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