Howard County, MO Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 484 mortgage applications in Howard County, MO totaling $42.2 million, down 19% from 2007. The average application was for $87,000, and applicants reported an average income of $57,000. 59% of applications resulted in an originated loan and 22% were denied. The most active lender was Commercial Trust Company, with 88 applications, followed by Tri-County Trust Company and Countrywide Bank FSB.
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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 | 484 |
| Total Mortgage Loan Application Amount | $42,202,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $587,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $1,500,000 |
* 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 |
|---|---|---|---|---|
| Commercial Trust Company 119 NORTH MAIN STREET FAYETTE, MO 65248 |
* | $ 100,800,000 | 88 | $ 6,734,000 |
| Tri-County Trust Company PO BOX 217, 103 COMMERCE ST. GLASGOW, MO 65254 |
* | $ 39,013,000 | 51 | $ 5,006,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 36 | $ 3,170,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,058,864,000 | 23 | $ 2,295,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 52,418,000 | 20 | $ 1,315,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 20 | $ 1,607,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 19 | $ 1,539,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 19 | $ 2,362,000 |
| Merchants & Farmers Bank 507 N WEBER SALISBURY, MO 65281 |
* | $ 98,907,000 | 13 | $ 764,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 785,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 8,123,855,000 | 11 | $ 1,407,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 491,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 9 | $ 947,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 14,741,252,000 | 9 | $ 668,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 9 | $ 706,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 8 | $ 1,065,000 |
| Premier Bank 815 WEST STADIUM BLVD. JEFFERSON CITY, MO 65109 |
* | $ 1,578,586,000 | 8 | $ 779,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 7 | $ 778,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 7 | $ 597,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 785,000 |
| Wells Fargo Fin'l Missouri Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 391,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 180,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 350,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 463,307,000 | 4 | $ 427,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 4 | $ 44,000 |
| Boulevard Bank 111 E MAIN ST NEOSHO, MO 64850 |
* | $ 111,500,000 | 4 | $ 479,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 176,958,000 | 3 | $ 389,000 |
| Universal Lending Corporation 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 3 | $ 230,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 3 | $ 136,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 226,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 619,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 180,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 3 | $ 163,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 360,591,000 | 3 | $ 199,000 |
| Citizens Bank and Trust Company 7553 NW BARRY ROAD KANSAS CITY, MO 64153 |
* | $ 1,043,296,000 | 3 | $ 158,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 2 | $ 189,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 267,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 314,752,000 | 2 | $ 202,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 863,991,000 | 2 | $ 180,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 297,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 38,000 |
| First Financial Credit Union 3124 W. EDGEWOOD DRIVE JEFFERSON CITY, MO 65109 |
* | $ 49,191,000 | 1 | $ 8,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 61,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 90,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 113,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 167,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 94,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 78,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 170,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 235,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 55,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 44,926,000 | 1 | $ 16,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 70,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 156,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 1 | $ 40,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 92,000 |
| Bank Midwest, N.A. 320 KANSAS AVE FORT LEAVENWORTH, KS 66027 |
* | $ 4,197,518,000 | 1 | $ 37,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 543,314,000 | 1 | $ 90,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 54,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,193,444,000 | 1 | $ 61,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 92,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 309,000 |
| Patriots Bank 131 E 4TH AVE PO BOX 327 GARNETT, KS 66032 |
* | $ 97,207,000 | 1 | $ 172,000 |
The tables below break down 2008 mortgage applications in Howard 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 Howard 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 | 247 | $24,307,000 | $98,000 | $587,000 | $61,000 | $1,500,000 |
| Home Purchase | 176 | $15,197,000 | $86,000 | $367,000 | $50,000 | $175,000 |
| Home Improvement | 61 | $2,698,000 | $44,000 | $239,000 | $59,000 | $117,000 |
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 | 409 | $35,708,000 | $87,000 | $587,000 | $57,000 | $260,000 |
| Not Provided | 32 | $3,562,000 | $111,000 | $300,000 | $56,000 | $142,000 |
| Not applicable | 20 | $1,746,000 | $87,000 | $250,000 | $78,000 | $1,500,000 |
| Black or African American | 18 | $946,000 | $52,000 | $102,000 | $32,000 | $66,000 |
| American Indian or Alaskan Native | 3 | $109,000 | $36,000 | $71,000 | $52,000 | $58,000 |
| Hispanic | 2 | $131,000 | $65,000 | $128,000 | $32,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 398 | $34,307,000 | $86,000 | $587,000 | $60,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 73 | $6,742,000 | $92,000 | $264,000 | $41,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $441,000 | $63,000 | $95,000 | $30,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 6 | $712,000 | $118,000 | $197,000 | $52,000 | $66,000 |
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 | 285 | $26,219,000 | $91,000 | $587,000 | $65,000 | $1,500,000 |
| Application Denied By Financial Institution | 106 | $7,761,000 | $73,000 | $300,000 | $45,000 | $119,000 |
| Application Withdrawn By Applicant | 35 | $2,463,000 | $70,000 | $162,000 | $46,000 | $107,000 |
| Loan Purchased By The Institution | 26 | $2,426,000 | $93,000 | $232,000 | $33,000 | $117,000 |
| Application Approved But Not Accepted | 25 | $2,479,000 | $99,000 | $264,000 | $53,000 | $260,000 |
| File Closed For Incompleteness | 7 | $854,000 | $122,000 | $235,000 | $48,000 | $93,000 |
| 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 | 26 | $1,398,000 | $53,000 | $164,000 | $47,000 | $102,000 |
| Debt-To-Income Ratio | 15 | $1,515,000 | $101,000 | $170,000 | $47,000 | $119,000 |
| Collateral | 10 | $1,160,000 | $116,000 | $300,000 | $57,000 | $113,000 |
| Credit Application Incomplete | 3 | $264,000 | $88,000 | $120,000 | $57,000 | $90,000 |
| Other | 3 | $77,000 | $25,000 | $34,000 | $40,000 | $58,000 |
| Unverifiable Information | 3 | $233,000 | $77,000 | $93,000 | $41,000 | $54,000 |
| Employment History | 2 | $274,000 | $137,000 | $164,000 | $77,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $141,000 | $70,000 | $95,000 | $36,000 | $43,000 |
| 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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