Howard County, MO Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 287 mortgage applications in Howard County, MO totaling $33.2 million, down 3% from 2017. The average application was for $115,000, and applicants reported an average income of $82,000. 63% of applications resulted in an originated loan and 17% were denied. The most active lender was Commercial Trust Company, with 92 applications, followed by Exchange Bank of Missouri and Central Bank of Boone County.
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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 | 287 |
| Total Mortgage Loan Application Amount | $33,235,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,814,000 |
* 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 |
* | $ 130,213,000 | 92 | $ 9,640,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 189,465,000 | 18 | $ 1,510,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,879,308,000 | 16 | $ 1,800,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 14 | $ 1,670,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 12 | $ 950,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 10 | $ 1,410,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 7 | $ 1,005,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 720,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 323,439,000 | 6 | $ 900,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 335,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 5 | $ 215,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 21,557,938,000 | 5 | $ 885,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 367,998,000 | 4 | $ 680,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 380,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 750,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 215,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 3 | $ 485,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 3 | $ 305,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,323,185,000 | 3 | $ 195,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 345,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 3 | $ 395,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 370,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 2 | $ 50,000 |
| Central Bank of St. Louis 12218 MANCHEST RD. ST. LOUIS, MO 63131 |
* | $ 1,848,755,000 | 2 | $ 290,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,727,667,000 | 2 | $ 240,000 |
| Landmark Bank PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 2,797,478,000 | 2 | $ 170,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 210,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 340,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 300,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 350,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 220,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 250,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 220,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD. JEFFERSON CITY, MO 65101 |
* | $ 566,294,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 145,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 21,866,592,000 | 1 | $ 365,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ -1,000 | 1 | $ 145,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 115,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 125,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ 170,651,000 | 1 | $ 25,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 205,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 175,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 75,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 926,876,000 | 1 | $ 115,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 967,200,000 | 1 | $ 435,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 135,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 207,895,000 | 1 | $ 125,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 535,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 225,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 85,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 105,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 435,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 145,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 95,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 1 | $ 75,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 155,000 |
| Community State Bank of Missouri 117 W CHURCH ST BOWLING GREEN, MO 63334 |
* | $ 247,797,000 | 1 | $ 65,000 |
| Access Capital Funding LLC 14366 SOUTH OUTER FORTY CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 115,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2018 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 2018
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 | 146 | $18,270,000 | $125,000 | $455,000 | $86,000 | $1,814,000 |
| Refinancing | 75 | $8,455,000 | $112,000 | $615,000 | $84,000 | $830,000 |
| Cash-out Refinancing | 29 | $3,915,000 | $135,000 | $305,000 | $69,000 | $134,000 |
| Home Improvement | 16 | $1,580,000 | $98,000 | $535,000 | $70,000 | $189,000 |
| Other Purpose | 15 | $565,000 | $37,000 | $85,000 | $72,000 | $163,000 |
| Not Applicable | 6 | $450,000 | $75,000 | $145,000 | $24,000 | $24,000 |
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 | 238 | $28,190,000 | $118,000 | $615,000 | $78,000 | $830,000 |
| Not applicable | 21 | $2,345,000 | $111,000 | $345,000 | $0 | $0 |
| Not Provided | 16 | $1,940,000 | $121,000 | $435,000 | $172,000 | $1,814,000 |
| Black or African American | 7 | $385,000 | $55,000 | $125,000 | $45,000 | $77,000 |
| Hispanic | 4 | $300,000 | $75,000 | $95,000 | $24,000 | $29,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $43,000 | $43,000 |
| 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) | 222 | $26,190,000 | $117,000 | $615,000 | $90,000 | $1,814,000 |
| FHA-insured (Federal Housing Administration) | 37 | $3,615,000 | $97,000 | $245,000 | $52,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,300,000 | $143,000 | $305,000 | $53,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,130,000 | $94,000 | $125,000 | $36,000 | $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 | 180 | $21,180,000 | $117,000 | $615,000 | $96,000 | $1,814,000 |
| Application Denied By Financial Institution | 48 | $4,480,000 | $93,000 | $535,000 | $53,000 | $163,000 |
| Application Withdrawn By Applicant | 24 | $3,030,000 | $126,000 | $245,000 | $67,000 | $134,000 |
| Loan Purchased By The Institution | 23 | $3,195,000 | $138,000 | $435,000 | $52,000 | $117,000 |
| File Closed For Incompleteness | 9 | $995,000 | $110,000 | $305,000 | $61,000 | $127,000 |
| Application Approved But Not Accepted | 3 | $355,000 | $118,000 | $145,000 | $56,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 149 | $18,595,000 | $124,000 | $615,000 | $80,000 | $830,000 |
| Debt-To-Income Ratio | 108 | $11,970,000 | $110,000 | $455,000 | $92,000 | $1,814,000 |
| Credit History | 16 | $1,240,000 | $77,000 | $165,000 | $53,000 | $94,000 |
| Collateral | 9 | $1,125,000 | $125,000 | $535,000 | $59,000 | $163,000 |
| Other | 2 | $110,000 | $55,000 | $95,000 | $47,000 | $60,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $46,000 | $46,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $23,000 | $23,000 |
| 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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