Jefferson City, MO Metro Area Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 10,825 mortgage applications in Jefferson City, MO metro area totaling $1.4 billion, up 37% from 2008. The average application was for $125,571, and applicants reported an average income of $66,000. 64% of applications resulted in an originated loan and 9% were denied. The most active lender was Central Trust Bank, with 2,093 applications, followed by Jefferson Bank of Missouri and Hawthorn 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 |
| Total Number of Mortgage Applications | 10,825 |
| Total Mortgage Loan Application Amount | $1,359,311,000 |
| Average Mortgage Loan Application Amount | $125,571 |
| Highest Mortgage Loan Application Amount | $2,333,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $1,491,000 |
Top Mortgage Lenders in Jefferson City, MO Metro Area (2009)
Ranked by the number of mortgage applications each lender reported in Jefferson City, MO metro area in 2009.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Central Trust Bank Jefferson City, MO |
2,093 | $270,421,000 | $129,000 | $72,000 |
| 2 | Jefferson Bank of Missouri Jefferson City, MO |
1,713 | $224,906,000 | $131,000 | $81,000 |
| 3 | Hawthorn Bank Jefferson City, MO |
832 | $101,238,000 | $121,000 | $71,000 |
| 4 | Bank of America, N.A. Calabasas, CA |
419 | $54,397,000 | $129,000 | $58,000 |
| 5 | The Callaway Bank Fulton, MO |
413 | $46,998,000 | $113,000 | $59,000 |
| 6 | Wells Fargo Bank, NA Des Moines, IA |
325 | $43,603,000 | $134,000 | $59,000 |
| 7 | Mid America Bank Jefferson City, MO |
308 | $37,216,000 | $120,000 | $69,000 |
| 8 | Premier Bank Jefferson City, MO |
264 | $44,712,000 | $169,000 | $67,000 |
| 9 | JPMorgan Chase Bank, NA Columbus, OH |
210 | $26,372,000 | $125,000 | $36,000 |
| 10 | Wells Fargo Funding, Inc Winston-Salem, NC |
196 | $30,394,000 | $155,000 | $67,000 |
See every lender active in Jefferson City, MO metro area in 2009 »
The tables below break down 2009 mortgage applications in Jefferson City, MO metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Jefferson City, MO in 2009
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 | 7,400 | $1,004,913,000 | $135,000 | $2,325,000 | $70,000 | $1,491,000 |
| Home Purchase | 2,742 | $314,506,000 | $114,000 | $2,333,000 | $55,000 | $1,282,000 |
| Home Improvement | 683 | $39,892,000 | $58,000 | $510,000 | $64,000 | $452,000 |
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 | 9,015 | $1,125,189,000 | $124,000 | $2,000,000 | $68,000 | $1,491,000 |
| Not Provided | 928 | $125,320,000 | $135,000 | $1,000,000 | $72,000 | $1,131,000 |
| Not applicable | 492 | $63,093,000 | $128,000 | $2,333,000 | $22,000 | $248,000 |
| Black or African American | 211 | $23,717,000 | $112,000 | $346,000 | $57,000 | $400,000 |
| Hispanic | 94 | $10,285,000 | $109,000 | $319,000 | $53,000 | $362,000 |
| Asian | 41 | $6,293,000 | $153,000 | $315,000 | $86,000 | $375,000 |
| American Indian or Alaskan Native | 34 | $4,251,000 | $125,000 | $281,000 | $60,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,163,000 | $116,000 | $195,000 | $44,000 | $73,000 |
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) | 8,580 | $1,083,323,000 | $126,000 | $2,333,000 | $72,000 | $1,491,000 |
| FHA-insured (Federal Housing Administration) | 1,501 | $182,941,000 | $121,000 | $276,000 | $45,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 442 | $48,357,000 | $109,000 | $296,000 | $34,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 302 | $44,690,000 | $147,000 | $434,000 | $37,000 | $161,000 |
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 | 6,980 | $872,952,000 | $125,000 | $2,333,000 | $70,000 | $1,491,000 |
| Loan Purchased By The Institution | 1,228 | $165,515,000 | $134,000 | $704,000 | $48,000 | $1,000,000 |
| Application Denied By Financial Institution | 1,008 | $110,928,000 | $110,000 | $1,000,000 | $54,000 | $1,131,000 |
| Application Approved But Not Accepted | 914 | $120,072,000 | $131,000 | $417,000 | $71,000 | $600,000 |
| Application Withdrawn By Applicant | 601 | $78,455,000 | $130,000 | $720,000 | $65,000 | $1,207,000 |
| File Closed For Incompleteness | 94 | $11,389,000 | $121,000 | $300,000 | $55,000 | $196,000 |
| 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 | 314 | $26,577,000 | $84,000 | $650,000 | $52,000 | $1,000,000 |
| Collateral | 151 | $20,171,000 | $133,000 | $417,000 | $65,000 | $369,000 |
| Debt-To-Income Ratio | 113 | $14,365,000 | $127,000 | $1,000,000 | $54,000 | $1,131,000 |
| Other | 57 | $7,107,000 | $124,000 | $277,000 | $51,000 | $146,000 |
| Credit Application Incomplete | 44 | $6,066,000 | $137,000 | $268,000 | $71,000 | $157,000 |
| Employment History | 12 | $1,422,000 | $118,000 | $224,000 | $35,000 | $57,000 |
| Unverifiable Information | 8 | $1,004,000 | $125,000 | $244,000 | $57,000 | $87,000 |
| Mortgage Insurance Denied | 8 | $995,000 | $124,000 | $193,000 | $58,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $583,000 | $97,000 | $152,000 | $66,000 | $135,000 |
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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