Daviess County, MO Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 228 mortgage applications in Daviess County, MO totaling $46.6 million, down 14% from 2023. The average application was for $204,000, and applicants reported an average income of $133,000. 63% of applications resulted in an originated loan and 17% were denied. The most active lender was Btc Bank, with 39 applications, followed by Fairway Independent Mort Corp and Farmers State 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 | 228 |
| Total Mortgage Loan Application Amount | $46,640,000 |
| Average Mortgage Loan Application Amount | $204,000 |
| Highest Mortgage Loan Application Amount | $1,255,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $1,221,000 |
Top Mortgage Lenders in Daviess County, MO (2024)
Ranked by the number of mortgage applications each lender reported in Daviess County, MO in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Btc Bank Bethany, MO |
39 | $5,065,000 | $129,000 | $107,000 |
| 2 | Fairway Independent Mort Corp Madison, WI |
11 | $1,995,000 | $181,000 | $95,000 |
| 3 | Farmers State Bank Cameron, MO |
10 | $1,660,000 | $166,000 | $109,000 |
| 4 | US Bank, N.A. Cincinnati, OH |
8 | $1,970,000 | $246,000 | $163,000 |
| 5 | Discover Bank Greenwood, DE |
7 | $765,000 | $109,000 | $91,000 |
| 6 | PennyMac Loan Services LLC Westlake Village, CA |
7 | $1,685,000 | $240,000 | $68,000 |
| 7 | The Hamilton Bank Hamilton, MO |
6 | $690,000 | $115,000 | $89,000 |
| 8 | Bank Northwest Hamilton, MO |
6 | $1,570,000 | $261,000 | $158,000 |
| 9 | Mortgage Research Center Columbia, MO |
6 | $1,270,000 | $211,000 | $97,000 |
| 10 | Flagstar Bank NA Troy, MI |
5 | $905,000 | $181,000 | $90,000 |
The tables below break down 2024 mortgage applications in Daviess 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 Daviess County, MO in 2024
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 | 129 | $30,375,000 | $235,000 | $1,255,000 | $128,000 | $804,000 |
| Refinancing | 31 | $6,295,000 | $203,000 | $675,000 | $110,000 | $307,000 |
| Other Purpose | 26 | $2,610,000 | $100,000 | $555,000 | $142,000 | $556,000 |
| Cash-out Refinancing | 25 | $4,725,000 | $189,000 | $715,000 | $116,000 | $333,000 |
| Home Improvement | 17 | $2,635,000 | $155,000 | $935,000 | $224,000 | $1,221,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 187 | $37,105,000 | $198,000 | $1,255,000 | $135,000 | $1,221,000 |
| Not applicable | 20 | $5,120,000 | $256,000 | $715,000 | $0 | $0 |
| Not Provided | 16 | $2,870,000 | $179,000 | $455,000 | $116,000 | $240,000 |
| Hispanic | 3 | $905,000 | $301,000 | $315,000 | $97,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $305,000 | $305,000 | $305,000 | $176,000 | $176,000 |
| Black or African American | 1 | $335,000 | $335,000 | $335,000 | $136,000 | $136,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 180 | $36,310,000 | $201,000 | $1,255,000 | $145,000 | $1,221,000 |
| FHA-insured (Federal Housing Administration) | 25 | $5,085,000 | $203,000 | $365,000 | $70,000 | $133,000 |
| VA-guaranteed (Veterans Administration) | 17 | $4,325,000 | $254,000 | $495,000 | $105,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $920,000 | $153,000 | $205,000 | $55,000 | $76,000 |
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 | 144 | $32,850,000 | $228,000 | $1,255,000 | $154,000 | $1,221,000 |
| Application Denied By Financial Institution | 38 | $5,040,000 | $132,000 | $365,000 | $78,000 | $290,000 |
| Loan Purchased By The Institution | 18 | $3,990,000 | $221,000 | $715,000 | $66,000 | $75,000 |
| Application Withdrawn By Applicant | 16 | $2,760,000 | $172,000 | $495,000 | $110,000 | $340,000 |
| File Closed For Incompleteness | 7 | $845,000 | $120,000 | $205,000 | $94,000 | $155,000 |
| Application Approved But Not Accepted | 4 | $920,000 | $230,000 | $335,000 | $152,000 | $240,000 |
| Preapproval Denied by Financial Institution | 1 | $235,000 | $235,000 | $235,000 | $73,000 | $73,000 |
| Preapproval Approved but not Accepted | 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 | 133 | $31,365,000 | $235,000 | $1,255,000 | $155,000 | $1,221,000 |
| Debt-To-Income Ratio | 72 | $12,520,000 | $173,000 | $615,000 | $113,000 | $412,000 |
| Credit Application Incomplete | 9 | $835,000 | $92,000 | $235,000 | $62,000 | $80,000 |
| Collateral | 8 | $840,000 | $105,000 | $305,000 | $64,000 | $163,000 |
| Credit History | 4 | $880,000 | $220,000 | $305,000 | $92,000 | $157,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $290,000 | $290,000 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $41,000 | $41,000 |
| 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 |
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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