Howard County, MO Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 414 mortgage applications in Howard County, MO totaling $41.4 million, down 7% from 2010. The average application was for $100,000, and applicants reported an average income of $60,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was Commercial Trust Company, with 116 applications, followed by Tri-County Trust Company and Flat Branch Mortgage, Inc..
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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 | 414 |
| Total Mortgage Loan Application Amount | $41,446,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $427,000 |
* 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 |
* | $ 103,913,000 | 116 | $ 9,622,000 |
| Tri-County Trust Company PO BOX 217, 103 COMMERCE ST. GLASGOW, MO 65254 |
* | $ 48,580,000 | 44 | $ 3,819,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 17 | $ 2,219,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,233,182,000 | 17 | $ 2,378,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 17 | $ 1,338,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 68,025,000 | 15 | $ 1,887,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 14 | $ 1,440,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 13 | $ 1,559,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 12 | $ 1,576,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,488,307,000 | 11 | $ 1,622,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 995,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 10,684,654,000 | 8 | $ 1,122,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 484,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 387,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 205,163,000 | 7 | $ 1,170,000 |
| Merchants & Farmers Bank 507 N WEBER SALISBURY, MO 65281 |
* | $ 103,812,000 | 6 | $ 261,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 19,413,461,000 | 6 | $ 252,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 6 | $ 973,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 5 | $ 290,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 715,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 480,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 622,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 426,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 3,374,340,000 | 3 | $ 226,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 308,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 3 | $ 380,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,182,218,000 | 3 | $ 288,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 843,305,000 | 3 | $ 297,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 406,317,000 | 3 | $ 265,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 122,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 274,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 77,096,000 | 2 | $ 167,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 241,311,000 | 2 | $ 33,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,285,632,000 | 2 | $ 233,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 273,670,000 | 2 | $ 300,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 239,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 250,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 127,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 73,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 1 | $ 74,000 |
| Gershman Investment Corp. 7 N. BEMISTON ST. LOUIS, MO 63105 |
* | $ 31,000,000 | 1 | $ 68,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 213,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 88,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 112,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 18,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 34,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 70,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 191,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 370,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 92,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,797,006,000 | 1 | $ 49,000 |
| Midwest Regional Bank 363 FESTUS CENTRE DRIVE FESTUS, MO 63028 |
* | $ 98,903,000 | 1 | $ 56,000 |
| The Tipton Latham Bank, National Association 800 W. HWY 50; PO BOX 759 TIPTON, MO 65081 |
* | $ 91,420,000 | 1 | $ 54,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 68,062,000 | 1 | $ 92,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,778,147,000 | 1 | $ 107,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 43,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 189,478,000 | 1 | $ 41,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 104,461,000 | 1 | $ 117,000 |
The tables below break down 2011 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 2011
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 | 203 | $23,455,000 | $115,000 | $615,000 | $64,000 | $427,000 |
| Home Purchase | 153 | $14,131,000 | $92,000 | $425,000 | $51,000 | $310,000 |
| Home Improvement | 58 | $3,860,000 | $66,000 | $445,000 | $69,000 | $157,000 |
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 | 353 | $34,718,000 | $98,000 | $445,000 | $65,000 | $427,000 |
| Not applicable | 31 | $4,203,000 | $135,000 | $615,000 | $14,000 | $106,000 |
| Not Provided | 24 | $2,159,000 | $89,000 | $213,000 | $45,000 | $91,000 |
| Black or African American | 2 | $98,000 | $49,000 | $52,000 | $56,000 | $82,000 |
| Hispanic | 2 | $83,000 | $41,000 | $48,000 | $33,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $68,000 | $68,000 | $68,000 | $37,000 | $37,000 |
| Asian | 1 | $117,000 | $117,000 | $117,000 | $40,000 | $40,000 |
| American Indian or Alaskan Native | 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) | 337 | $33,729,000 | $100,000 | $615,000 | $64,000 | $427,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,531,000 | $107,000 | $249,000 | $46,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,123,000 | $96,000 | $167,000 | $42,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,063,000 | $81,000 | $143,000 | $17,000 | $59,000 |
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 | 267 | $25,940,000 | $97,000 | $615,000 | $63,000 | $207,000 |
| Application Denied By Financial Institution | 58 | $4,726,000 | $81,000 | $293,000 | $55,000 | $427,000 |
| Loan Purchased By The Institution | 49 | $6,121,000 | $124,000 | $370,000 | $37,000 | $106,000 |
| Application Withdrawn By Applicant | 33 | $3,675,000 | $111,000 | $305,000 | $55,000 | $265,000 |
| Application Approved But Not Accepted | 4 | $547,000 | $136,000 | $150,000 | $170,000 | $310,000 |
| File Closed For Incompleteness | 3 | $437,000 | $145,000 | $213,000 | $115,000 | $256,000 |
| 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 | 23 | $1,419,000 | $61,000 | $135,000 | $45,000 | $71,000 |
| Collateral | 11 | $1,334,000 | $121,000 | $293,000 | $104,000 | $427,000 |
| Debt-To-Income Ratio | 7 | $438,000 | $62,000 | $125,000 | $19,000 | $27,000 |
| Credit Application Incomplete | 3 | $304,000 | $101,000 | $110,000 | $39,000 | $54,000 |
| Other | 2 | $112,000 | $56,000 | $80,000 | $55,000 | $64,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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