Howard County, MO Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 412 mortgage applications in Howard County, MO totaling $41.2 million, down 17% from 2012. The average application was for $99,000, and applicants reported an average income of $63,000. 68% of applications resulted in an originated loan and 15% were denied. The most active lender was Commercial Trust Company, with 102 applications, followed by Exchange Bank of Missouri and Boone County National Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Missouri.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 412 |
| Total Mortgage Loan Application Amount | $41,175,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $752,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $517,000 |
* 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 |
* | $ 126,114,000 | 102 | $ 10,498,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 120,891,000 | 35 | $ 2,874,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,431,785,000 | 29 | $ 2,203,000 |
| Tri-County Trust Company PO BOX 217, 103 COMMERCE ST. GLASGOW, MO 65254 |
* | $ 54,098,000 | 29 | $ 2,261,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 22 | $ 3,085,000 |
| Regional Missouri Bank PO BOX 458 MARCELINE, MO 64658 |
* | $ 155,264,000 | 19 | $ 1,019,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 17 | $ 2,169,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 13 | $ 1,253,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 9 | $ 796,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 9 | $ 993,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 801,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 437,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 243,492,000 | 8 | $ 849,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,017,122,000 | 6 | $ 432,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,751,541,000 | 6 | $ 628,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 14,689,863,000 | 4 | $ 1,078,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 4 | $ 742,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 4 | $ 223,000 |
| Merchants & Farmers Bank 507 N WEBER SALISBURY, MO 65281 |
* | $ 104,688,000 | 4 | $ 155,000 |
| Central Trust Bank 238 MADISON STREET JEFFERSON CITY, MO 65101 |
* | $ 1,967,779,000 | 3 | $ 260,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 287,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 3 | $ 315,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 377,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,326,173,000 | 3 | $ 320,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 3 | $ 174,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 605,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 140,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 266,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 225,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 108,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 125,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 50,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 85,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 160,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ 517,600,000 | 1 | $ 19,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 999,448,000 | 1 | $ 20,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 126,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 345,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 122,000 |
| The Missouri Bank II 1601 S LIMIT SEDALIA, MO 65301 |
* | $ 82,839,000 | 1 | $ 271,000 |
| Boulevard Bank 111 E.MAIN STREET NEOSHO, MO 64850 |
* | $ 164,959,000 | 1 | $ 34,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 34,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 674,972,000 | 1 | $ 22,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 295,501,000 | 1 | $ 129,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 303,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 176,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 59,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ 31,000,000 | 1 | $ 68,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 1 | $ 204,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 157,742,000 | 1 | $ 50,000 |
| The Tipton Latham Bank, National Association 800 W. HWY 50; PO BOX 759 TIPTON, MO 65081 |
* | $ 100,627,000 | 1 | $ 37,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 5,302,932,000 | 1 | $ 151,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,241,781,000 | 1 | $ 240,000 |
| Bank Star One 118 WEST 5TH STREET FULTON, MO 65251 |
* | $ 93,315,000 | 1 | $ 254,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 175,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 953,650,000 | 1 | $ 34,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD JEFFERSON CITY, MO 65102 |
* | $ 487,118,000 | 1 | $ 5,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 41,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 83,573,000 | 1 | $ 50,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 63,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 170,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 150,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 214,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 148,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 74,000 |
| Martinsburg Bank and Trust 107 W KELLETT P O BOX 66 MARTINSBURG, MO 65264 |
* | $ 179,058,000 | 1 | $ 70,000 |
| Southern Missouri Bank of Marshfield PO BOX M 1292 BANNING ST MARSHFIELD, MO 65706 |
* | $ 98,854,000 | 1 | $ 79,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 148,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 266,761,000 | 1 | $ 258,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,161,781,000 | 1 | $ 98,000 |
The tables below break down 2013 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 2013
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 | 191 | $22,167,000 | $116,000 | $640,000 | $67,000 | $517,000 |
| Home Purchase | 171 | $15,319,000 | $89,000 | $752,000 | $54,000 | $206,000 |
| Home Improvement | 50 | $3,689,000 | $73,000 | $299,000 | $75,000 | $396,000 |
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 | $36,554,000 | $103,000 | $752,000 | $66,000 | $396,000 |
| Not Provided | 30 | $2,073,000 | $69,000 | $222,000 | $65,000 | $517,000 |
| Not applicable | 18 | $1,543,000 | $85,000 | $299,000 | $11,000 | $160,000 |
| Black or African American | 6 | $271,000 | $45,000 | $129,000 | $29,000 | $56,000 |
| Hispanic | 4 | $639,000 | $159,000 | $345,000 | $74,000 | $92,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $82,000 | $82,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 332 | $32,260,000 | $97,000 | $752,000 | $68,000 | $517,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,805,000 | $108,000 | $237,000 | $48,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,524,000 | $97,000 | $188,000 | $36,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,586,000 | $136,000 | $345,000 | $42,000 | $157,000 |
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 | 279 | $26,692,000 | $95,000 | $752,000 | $66,000 | $517,000 |
| Application Denied By Financial Institution | 60 | $5,890,000 | $98,000 | $640,000 | $59,000 | $396,000 |
| Loan Purchased By The Institution | 26 | $2,939,000 | $113,000 | $247,000 | $43,000 | $160,000 |
| Application Withdrawn By Applicant | 25 | $2,964,000 | $118,000 | $255,000 | $51,000 | $248,000 |
| Application Approved But Not Accepted | 14 | $1,702,000 | $121,000 | $399,000 | $70,000 | $206,000 |
| File Closed For Incompleteness | 8 | $988,000 | $123,000 | $228,000 | $45,000 | $72,000 |
| 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 | 18 | $1,532,000 | $85,000 | $166,000 | $70,000 | $396,000 |
| Collateral | 12 | $1,149,000 | $95,000 | $159,000 | $73,000 | $144,000 |
| Debt-To-Income Ratio | 8 | $1,366,000 | $170,000 | $640,000 | $48,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $145,000 | $48,000 | $97,000 | $53,000 | $90,000 |
| Unverifiable Information | 3 | $224,000 | $74,000 | $152,000 | $31,000 | $46,000 |
| Other | 2 | $177,000 | $88,000 | $96,000 | $35,000 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About