Dallas County, MO Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 839 mortgage applications in Dallas County, MO totaling $81.7 million, down 24% from 2007. The average application was for $97,000, and applicants reported an average income of $50,000. 47% of applications resulted in an originated loan and 29% were denied. The most active lender was O'bannon Banking Company, with 180 applications, followed by Bank of Urbana and US Bank, N.A..
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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 | 839 |
| Total Mortgage Loan Application Amount | $81,733,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $924,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $742,000 |
Top Mortgage Lenders in Dallas County, MO (2008)
Ranked by the number of mortgage applications each lender reported in Dallas County, MO in 2008.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | O'bannon Banking Company Buffalo, MO |
180 | $17,405,000 | $96,000 | $49,000 |
| 2 | Bank of Urbana Urbana, MO |
57 | $2,833,000 | $49,000 | $41,000 |
| 3 | US Bank, N.A. Milwaukee, WI |
39 | $3,638,000 | $93,000 | $45,000 |
| 4 | Beneficial Company LLC Mettawa, IL |
37 | $3,190,000 | $86,000 | $57,000 |
| 5 | Countrywide Bank FSB Westlake Village, CA |
34 | $4,301,000 | $126,000 | $54,000 |
| 6 | Wells Fargo Bank, NA Des Moines, IA |
30 | $3,009,000 | $100,000 | $54,000 |
| 7 | Embrace Home Loans, Inc. Middletown, RI |
29 | $3,308,000 | $114,000 | $36,000 |
| 8 | Taylor, Bean & Whitaker Ocala, FL |
27 | $2,791,000 | $103,000 | $40,000 |
| 9 | Gmac Mortgage LLC Ft. Washington, PA |
25 | $2,527,000 | $101,000 | $45,000 |
| 10 | Hfc Company LLC Mettawa, IL |
23 | $2,247,000 | $97,000 | $56,000 |
The tables below break down 2008 mortgage applications in Dallas 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 Dallas County, MO in 2008
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 | 484 | $52,308,000 | $108,000 | $924,000 | $53,000 | $607,000 |
| Home Purchase | 280 | $25,529,000 | $91,000 | $485,000 | $45,000 | $742,000 |
| Home Improvement | 75 | $3,896,000 | $51,000 | $243,000 | $46,000 | $144,000 |
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 | 714 | $67,938,000 | $95,000 | $924,000 | $53,000 | $742,000 |
| Not Provided | 67 | $7,025,000 | $104,000 | $461,000 | $42,000 | $98,000 |
| Not applicable | 49 | $5,933,000 | $121,000 | $305,000 | $8,000 | $157,000 |
| Hispanic | 5 | $470,000 | $94,000 | $158,000 | $96,000 | $277,000 |
| American Indian or Alaskan Native | 2 | $132,000 | $66,000 | $67,000 | $36,000 | $39,000 |
| Asian | 1 | $93,000 | $93,000 | $93,000 | $54,000 | $54,000 |
| Black or African American | 1 | $142,000 | $142,000 | $142,000 | $162,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 633 | $60,559,000 | $95,000 | $924,000 | $53,000 | $742,000 |
| FHA-insured (Federal Housing Administration) | 181 | $18,761,000 | $103,000 | $242,000 | $40,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,387,000 | $92,000 | $158,000 | $31,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,026,000 | $102,000 | $173,000 | $25,000 | $45,000 |
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 | 396 | $37,797,000 | $95,000 | $924,000 | $50,000 | $408,000 |
| Application Denied By Financial Institution | 240 | $22,329,000 | $93,000 | $461,000 | $46,000 | $430,000 |
| Application Withdrawn By Applicant | 76 | $8,055,000 | $105,000 | $320,000 | $64,000 | $607,000 |
| Loan Purchased By The Institution | 58 | $6,734,000 | $116,000 | $240,000 | $22,000 | $101,000 |
| Application Approved But Not Accepted | 39 | $3,708,000 | $95,000 | $265,000 | $65,000 | $742,000 |
| File Closed For Incompleteness | 30 | $3,110,000 | $103,000 | $249,000 | $66,000 | $162,000 |
| 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 | 62 | $3,953,000 | $63,000 | $167,000 | $35,000 | $118,000 |
| Collateral | 39 | $4,355,000 | $111,000 | $350,000 | $65,000 | $430,000 |
| Debt-To-Income Ratio | 23 | $2,778,000 | $120,000 | $325,000 | $33,000 | $99,000 |
| Other | 10 | $930,000 | $93,000 | $249,000 | $48,000 | $116,000 |
| Credit Application Incomplete | 9 | $1,159,000 | $128,000 | $343,000 | $68,000 | $150,000 |
| Employment History | 5 | $399,000 | $79,000 | $122,000 | $48,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $943,000 | $188,000 | $461,000 | $66,000 | $100,000 |
| Unverifiable Information | 2 | $339,000 | $169,000 | $198,000 | $52,000 | $77,000 |
| 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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