Knox County, MO Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 41 mortgage applications in Knox County, MO totaling $5.3 million, down 15% from 2022. The average application was for $129,000, and applicants reported an average income of $70,000. 49% of applications resulted in an originated loan and 10% were denied. The most active lender was Homebank, with 7 applications, followed by Das Acquisition Company, LLC and Mortgage Research Center.
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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 | 41 |
| Total Mortgage Loan Application Amount | $5,325,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $315,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $270,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 520,412,000 | 7 | $ 565,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 7 | $ 955,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 355,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 2 | $ 230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 470,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 170,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 230,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 270,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 380,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 241,022,000 | 1 | $ 145,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 55,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 454,311,000 | 1 | $ 145,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 1 | $ 55,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 35,000 |
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ 893,681,000 | 1 | $ 175,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 45,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 2,202,960,000 | 1 | $ 125,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ 199,413,000 | 1 | $ 205,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 3,868,571,000 | 1 | $ 305,000 |
The tables below break down 2023 mortgage applications in Knox 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 Knox County, MO in 2023
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 | 33 | $4,395,000 | $133,000 | $315,000 | $73,000 | $270,000 |
| Cash-out Refinancing | 3 | $405,000 | $135,000 | $185,000 | $32,000 | $33,000 |
| Other Purpose | 3 | $205,000 | $68,000 | $95,000 | $84,000 | $110,000 |
| Refinancing | 2 | $320,000 | $160,000 | $175,000 | $70,000 | $86,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 30 | $3,740,000 | $124,000 | $315,000 | $69,000 | $270,000 |
| Not applicable | 7 | $1,045,000 | $149,000 | $315,000 | $0 | $0 |
| Not Provided | 3 | $455,000 | $151,000 | $205,000 | $62,000 | $90,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $110,000 | $110,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 23 | $2,825,000 | $122,000 | $305,000 | $75,000 | $270,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,765,000 | $135,000 | $315,000 | $59,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 3 | $425,000 | $141,000 | $175,000 | $53,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $310,000 | $155,000 | $155,000 | $90,000 | $90,000 |
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 | 20 | $2,340,000 | $117,000 | $305,000 | $71,000 | $270,000 |
| Application Withdrawn By Applicant | 8 | $810,000 | $101,000 | $205,000 | $50,000 | $100,000 |
| Loan Purchased By The Institution | 7 | $1,045,000 | $149,000 | $315,000 | $0 | $0 |
| Application Denied By Financial Institution | 4 | $950,000 | $237,000 | $315,000 | $118,000 | $184,000 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $32,000 | $32,000 |
| File Closed For Incompleteness | 1 | $85,000 | $85,000 | $85,000 | $58,000 | $58,000 |
| 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 | 36 | $4,200,000 | $116,000 | $315,000 | $63,000 | $270,000 |
| Debt-To-Income Ratio | 3 | $625,000 | $208,000 | $305,000 | $133,000 | $184,000 |
| Other | 1 | $315,000 | $315,000 | $315,000 | $129,000 | $129,000 |
| Credit History | 1 | $185,000 | $185,000 | $185,000 | $33,000 | $33,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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