Laclede County, MO Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,166 mortgage applications in Laclede County, MO totaling $125.4 million, down 15% from 2010. The average application was for $107,000, and applicants reported an average income of $53,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank NA, with 147 applications, followed by Bank of America NA and Vanderbilt Mortgage and Finance, Inc.

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Total Number of Mortgage Applications 1,166
Total Mortgage Loan Application Amount $125,413,000
Average Mortgage Loan Application Amount $107,000
Highest Mortgage Loan Application Amount $2,252,000
Average Applicant Income $53,000
Highest Applicant Income $800,000

Mortgage Company List for Lending in Laclede County, MO for 2011

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 147 $ 14,830,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 128 $ 14,297,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 97 $ 6,290,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 19,413,461,000 65 $ 6,350,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 63 $ 4,746,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 58 $ 6,591,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,285,632,000 56 $ 6,836,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 480,679,000 56 $ 3,854,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 53 $ 6,428,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 48 $ 5,573,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 843,305,000 29 $ 2,202,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,409,826,000 15 $ 1,292,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 15 $ 2,453,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 14 $ 1,326,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 12 $ 2,092,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 10 $ 1,806,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 10 $ 1,171,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 10 $ 1,721,000
Heartland Bank
212 SOUTH CENTRAL
ST. LOUIS, MO 63105
* $ 889,445,000 10 $ 982,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 10 $ 559,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 9 $ 1,222,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 8 $ 1,356,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 8 $ 1,102,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 8 $ 1,289,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 8 $ 1,051,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 821,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 7 $ 1,036,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 682,322,000 7 $ 619,000
Southern Missouri Bank of Marshfield
PO BOX M 1292 BANNING ST
MARSHFIELD, MO 65706
* $ 104,532,000 7 $ 926,000
Legacy Bank & Trust
1500 N MAIN ST
MOUNTAIN GROVE, MO 65711
* $ 127,145,000 7 $ 1,050,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 6 $ 706,000
Gershman Investment Corp.
7 N. BEMISTON
ST. LOUIS, MO 63105
* $ 31,000,000 6 $ 2,624,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 6 $ 502,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 5 $ 210,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 5 $ 311,000
Liberty Bank
4625 S. NATIONAL
SPRINGFIELD, MO 65810
* $ 973,204,000 5 $ 664,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 4 $ 603,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,182,218,000 4 $ 366,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 837,325,000 4 $ 487,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 4 $ 710,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 725,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 4 $ 516,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 319,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 432,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 3 $ 305,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 344,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 282,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 3 $ 336,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 389,000
Empire Bank
1800 S GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,066,159,000 3 $ 621,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 2 $ 209,000
First Home Bank
P.O. BOX 807
MOUNTAIN GROVE, MO 65711
* $ 203,502,000 2 $ 377,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 120,000
Mercantile Bank
200 NORTH 33RD ST
QUINCY, IL 62305
* $ 679,697,000 2 $ 75,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 950,213,000 2 $ 399,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 2 $ 35,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 216,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 2 $ 182,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 1,488,307,000 2 $ 217,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 2 $ 166,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 187,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 180,751,000 1 $ 39,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 80,000
Affiliated Financial Group, Ll
5690 DTC BLVD
GREENWOOD VILLIAGE, CO 80111
* $ 196,687,000 1 $ 325,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 690,372,000 1 $ 97,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 385,490,000 1 $ 45,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 51,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 56,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 71,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 1 $ 25,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 106,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 1 $ 135,000
M&I Marshall & Ilsley Bank
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 44,975,270,000 1 $ 58,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 168,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 192,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 1 $ 165,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 1 $ 90,000
Oakstar Bank, NA
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 166,520,000 1 $ 44,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 126,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 88,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 16,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 1 $ 158,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 95,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 1 $ 100,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 56,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 1 $ 123,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 1 $ 49,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,694,138,000 1 $ 41,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 320,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 111,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 95,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 89,000
Concordia Bank
PO BOX 909
CONCORDIA, MO 64020
* $ 50,357,000 1 $ 185,000
First Community Bank
301 SE MAIN STREET
LEES SUMMIT, MO 64063
* $ 611,660,000 1 $ 46,000
Platte Valley Bank of Missouri
PO BOX 1250
PLATTE CITY, MO 64079
* $ 348,730,000 1 $ 149,000
Central Trust Bank
238 MADISON STREET
JEFFERSON CITY, MO 65101
* $ 1,974,691,000 1 $ 73,000
The Seymour Bank
119 N MAIN
SEYMOUR, MO 65746
* $ 136,427,000 1 $ 19,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 205,935,000 1 $ 190,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 1 $ 183,000
Town & Country Bank
PO BOX 349
SALEM, MO 65560
* $ 502,723,000 1 $ 310,000
Ozark Bank
PO BOX 220
OZARK, MO 65721
* $ 216,638,000 1 $ 58,000
Citizens Bank of Rogersville
1001 W. CENTER ST.
ROGERSVILLE, MO 65742
* $ 55,810,000 1 $ 204,000
Bloomsdale Bank
55 MILL HILL ROAD, P. O. BOX 100
BLOOMSDALE, MO 63627
* $ 186,004,000 1 $ 132,000
Community First Bank
P.O. BOX 407
BUTLER, MO 64730
* $ 160,089,000 1 $ 46,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 77,096,000 1 $ 67,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 189,478,000 1 $ 22,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 104,461,000 1 $ 151,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,444,690,000 1 $ 130,000
Enterprise Bank & Trust
150 N. MERAMEC AVE.
CLAYTON, MO 63105
* $ 2,791,597,000 1 $ 200,000

The tables below break down 2011 mortgage applications in Laclede 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 Laclede 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 669 $82,116,000 $122,000 $2,252,000 $57,000 $800,000
Home Purchase 434 $40,965,000 $94,000 $399,000 $46,000 $351,000
Home Improvement 63 $2,332,000 $37,000 $263,000 $52,000 $195,000

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 918 $95,463,000 $103,000 $715,000 $56,000 $800,000
Not Provided 138 $13,766,000 $99,000 $299,000 $53,000 $204,000
Not applicable 75 $12,350,000 $164,000 $2,252,000 $9,000 $98,000
Hispanic 15 $1,725,000 $115,000 $268,000 $51,000 $134,000
Black or African American 11 $1,414,000 $128,000 $398,000 $53,000 $121,000
American Indian or Alaskan Native 5 $456,000 $91,000 $160,000 $52,000 $69,000
Asian 2 $133,000 $66,000 $115,000 $92,000 $130,000
Native Hawaiian or Other Pacific Islander 2 $106,000 $53,000 $61,000 $38,000 $52,000

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) 736 $72,416,000 $98,000 $715,000 $60,000 $800,000
FHA-insured (Federal Housing Administration) 192 $21,852,000 $113,000 $2,252,000 $38,000 $176,000
VA-guaranteed (Veterans Administration) 139 $21,912,000 $157,000 $398,000 $47,000 $179,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 99 $9,233,000 $93,000 $194,000 $35,000 $94,000

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 505 $56,740,000 $112,000 $2,252,000 $57,000 $800,000
Application Denied By Financial Institution 263 $25,101,000 $95,000 $398,000 $50,000 $400,000
Loan Purchased By The Institution 220 $26,352,000 $119,000 $379,000 $43,000 $661,000
Application Approved But Not Accepted 88 $6,550,000 $74,000 $310,000 $48,000 $294,000
Application Withdrawn By Applicant 68 $8,125,000 $119,000 $715,000 $66,000 $351,000
File Closed For Incompleteness 22 $2,545,000 $115,000 $245,000 $62,000 $107,000
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 39 $2,791,000 $71,000 $215,000 $57,000 $204,000
Collateral 35 $4,274,000 $122,000 $398,000 $67,000 $377,000
Debt-To-Income Ratio 27 $3,168,000 $117,000 $398,000 $40,000 $135,000
Other 22 $1,604,000 $72,000 $131,000 $64,000 $400,000
Credit Application Incomplete 8 $1,262,000 $157,000 $268,000 $48,000 $130,000
Unverifiable Information 5 $686,000 $137,000 $196,000 $57,000 $157,000
Insufficient Cash (Downpayment, Closing Cost) 5 $345,000 $69,000 $123,000 $43,000 $79,000
Employment History 2 $335,000 $167,000 $217,000 $51,000 $67,000
Mortgage Insurance Denied 1 $89,000 $89,000 $89,000 $50,000 $50,000

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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