Lawrence County, MO Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,579 mortgage applications in Lawrence County, MO totaling $167.3 million, up 10% from 2015. The average application was for $105,000, and applicants reported an average income of $54,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Arvest Bank, with 107 applications, followed by Simmons Bank and Regions 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  2003  
Total Number of Mortgage Applications 1,579
Total Mortgage Loan Application Amount $167,260,000
Average Mortgage Loan Application Amount $105,000
Highest Mortgage Loan Application Amount $695,000
Average Applicant Income $54,000
Highest Applicant Income $900,000

Mortgage Company List for Lending in Lawrence County, MO for 2016

* 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
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 107 $ 10,034,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 7,515,756,000 71 $ 5,235,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 65 $ 3,741,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 64 $ 7,374,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 60 $ 7,055,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 56 $ 5,709,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 51 $ 6,496,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 47 $ 5,809,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 595,044,000 46 $ 5,063,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 41 $ 5,400,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,097,252,000 41 $ 2,802,000
Peoples Community Bank
PO BOX 350
GREENVILLE, MO 63944
* $ 351,820,000 36 $ 2,806,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 35 $ 3,518,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 30 $ 2,961,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 27 $ 1,763,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 24 $ 2,784,000
Omb Bank
3570 SOUTH NATIONAL AVENUE
SPRINGFIELD, MO 65807
* $ 287,752,000 21 $ 3,358,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ 205,378,000 21 $ 2,392,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ 31,000,000 21 $ 2,188,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 21 $ 2,055,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 18 $ 1,772,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 393,454,000 18 $ 2,922,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 18 $ 1,470,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 17 $ 1,957,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 17 $ 1,628,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 24,483,687,000 16 $ 1,056,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 15 $ 1,315,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 18,823,520,000 15 $ 1,148,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 652,497,000 15 $ 1,699,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 14 $ 1,645,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 13 $ 730,000
Bank of Billings
P O BOX 70
BILLINGS, MO 65610
* $ 51,613,000 12 $ 782,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 12 $ 1,573,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 11 $ 1,774,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,233,064,000 11 $ 1,119,000
Equitable Mortgage
909 E REPUBLIC ROAD B200
SPRINGFIELD, MO 65807
* $ 1,300,000 11 $ 1,136,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 11 $ 1,494,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 11 $ 1,314,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 10 $ 1,107,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 10 $ 1,244,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 156,547,000 10 $ 620,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 9 $ 1,193,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 9 $ 697,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 9 $ 1,015,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 9 $ 1,128,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 8 $ 717,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 7 $ 618,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 7 $ 885,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 7 $ 441,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 7 $ 845,000
Central Bank of the Ozarks
1800 S. GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,148,239,000 7 $ 478,000
Freedom Bank of Southern Missouri
P O BOX 309
CASSVILLE, MO 65625
* $ 240,317,000 7 $ 893,000
Southwest Missouri Bank
300 WEST THIRD STREET
CARTHAGE, MO 64836
* $ 676,021,000 7 $ 553,000
Bear State Bank
5315 HIGHLAND DRIVE
LITTLE ROCK, AR 72223
* $ 1,461,020,000 6 $ 575,000
First Home Bank
P.O. BOX 807
MOUNTAIN GROVE, MO 65711
* $ 213,111,000 6 $ 654,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 569,000
Springfield First Community Bank
2006 S GLENSTONE AVENUE
SPRINGFIELD, MO 65804
* $ 408,845,000 6 $ 1,024,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 146,586,000 6 $ 798,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 3,958,614,000 5 $ 814,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ 26,264,000 4 $ 550,000
Legacy Bank & Trust
1500 N MAIN ST
MOUNTAIN GROVE, MO 65711
* $ 143,960,000 4 $ 421,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,790,125,000 4 $ 778,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 717,117,000 4 $ 464,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,565,602,000 4 $ 604,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 4 $ 590,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 690,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 4 $ 228,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 379,000
People's Bank of Seneca
PO BOX 500
SENECA, MO 64865
* $ 149,252,000 3 $ 369,000
Bank of Bolivar
PO BOX 560, 495 S. SPRINGFIELD
BOLIVAR, MO 65613
* $ 230,392,000 3 $ 388,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 3 $ 562,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 4,302,336,000 3 $ 273,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 256,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 173,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 243,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 3 $ 527,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 341,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 3 $ 112,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 3 $ 43,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 3 $ 415,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 3 $ 30,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 3 $ 171,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 3 $ 452,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 710,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 1,330,996,000 3 $ 878,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 3 $ 237,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 3 $ 281,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 3 $ 532,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 291,000
Hometown Bank, National Association
PO BOX 797
CARTHAGE, MO 64836
* $ 160,203,000 2 $ 198,000
Gsf Mortgage Corp
15430 W CAPITOL DRIVE
BROOKFIELD, WI 53005
* $ 10,000,000 2 $ 350,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 160,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 2 $ 276,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 2 $ 465,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 2 $ 324,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 988,439,000 2 $ 196,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 216,360,000 2 $ 160,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 224,192,000 2 $ 19,000
Ozark Bank
PO BOX 220
OZARK, MO 65721
* $ 233,516,000 2 $ 102,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 4,800,524,000 2 $ 110,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 2 $ 361,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 291,351,000 2 $ 273,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 166,835,000 2 $ 205,000
Forethought Life Insurance Co
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ 100,000,000 2 $ 177,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 198,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ 10,000,000 2 $ 400,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 425,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 177,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 376,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 261,000
Community Bank and Trust
100 SOUTH WOOD ST
NEOSHO, MO 64850
* $ 306,724,000 2 $ 82,000
O'bannon Banking Company
PO BOX 890
BUFFALO, MO 65622
* $ 169,232,000 2 $ 289,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 2 $ 255,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 2 $ 362,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 175,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 153,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 1 $ 288,000
Heritage State Bank
1625 HEDGES PLAZA
NEVADA, MO 64772
* $ 141,159,000 1 $ 240,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 1 $ 341,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 1 $ 448,000
Central Missouri Community Credit Union
620 N MAGUIRE
WARRENSBURG, MO 64093
* $ 96,057,000 1 $ 82,000
Foundation Credit Union
1726 W. ELFINDALE ST.
SPRINGFIELD, MO 65807
* $ 63,690,000 1 $ 40,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 7,606,000 1 $ 66,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 304,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 224,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 160,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 1 $ 90,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 88,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 650,443,000 1 $ 58,000
American Southwest Mortgage Funding Corp
5900 MOSTELLER DRIVE SUITE 8
OKLAHOMA CITY, OK 73112
* $ 336,426,000 1 $ 122,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 9,952,150,000 1 $ 104,000
Town & Country Bank
PO BOX 349
SALEM, MO 65560
* $ 505,193,000 1 $ 125,000
Central Bank of St. Louis
12218 MANCHEST RD.
ST. LOUIS, MO 63131
* $ 1,639,159,000 1 $ 51,000
Community Financial Credit Un
815 W TAMPA
SPRINGFIELD, MO 65802
* $ 62,191,000 1 $ 54,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 104,450,000 1 $ 52,000
Platte Valley Bank of Missouri
PO BOX 1250
PLATTE CITY, MO 64079
* $ 477,608,000 1 $ 111,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 610,744,000 1 $ 102,000
Great Plains
2306 S RANGE LINE RD
JOPLIN, MO 64804
* $ 282,071,000 1 $ 121,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 1 $ 97,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 1 $ 15,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 511,786,000 1 $ 148,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 1 $ 85,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,267,342,000 1 $ 143,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 1 $ 1,000
Reliance Bank
10401 CLAYTON ROAD
FRONTENAC, MO 63131
* $ 1,215,009,000 1 $ 78,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 114,257,000 1 $ 192,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 121,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 947,219,000 1 $ 69,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 72,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 96,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ 17,900,000 1 $ 136,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 274,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 85,000
The First National Bank of Winnsboro
315 N. MAIN P.O. BOX 29
WINNSBORO, TX 75494
* $ 139,612,000 1 $ 5,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 2,184,204,000 1 $ 88,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 155,507,000 1 $ 195,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 195,000
BNC National Bank

BISMARCK, ND 58501
* $ 903,318,000 1 $ 275,000

The tables below break down 2016 mortgage applications in Lawrence 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 Lawrence County, MO in 2016

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 717 $74,914,000 $104,000 $425,000 $47,000 $465,000
Refinancing 703 $84,060,000 $119,000 $695,000 $58,000 $900,000
Home Improvement 159 $8,286,000 $52,000 $400,000 $67,000 $447,000

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 1,217 $127,404,000 $104,000 $695,000 $62,000 $900,000
Not applicable 199 $22,606,000 $113,000 $569,000 $7,000 $110,000
Not Provided 97 $11,201,000 $115,000 $448,000 $60,000 $246,000
Hispanic 38 $3,541,000 $93,000 $244,000 $41,000 $112,000
American Indian or Alaskan Native 14 $1,223,000 $87,000 $167,000 $63,000 $139,000
Asian 9 $949,000 $105,000 $243,000 $56,000 $136,000
Black or African American 4 $276,000 $69,000 $89,000 $30,000 $52,000
Native Hawaiin or Other Pacific Islander 1 $60,000 $60,000 $60,000 $67,000 $67,000

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) 985 $100,133,000 $101,000 $695,000 $64,000 $900,000
FHA-insured (Federal Housing Administration) 266 $29,496,000 $110,000 $276,000 $38,000 $154,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 180 $17,490,000 $97,000 $400,000 $34,000 $232,000
VA-guaranteed (Veterans Administration) 148 $20,141,000 $136,000 $448,000 $42,000 $363,000

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 791 $85,766,000 $108,000 $695,000 $61,000 $710,000
Application Denied By Financial Institution 317 $28,854,000 $91,000 $417,000 $59,000 $900,000
Loan Purchased By The Institution 231 $26,946,000 $116,000 $284,000 $18,000 $133,000
Application Withdrawn By Applicant 134 $15,978,000 $119,000 $341,000 $61,000 $456,000
File Closed For Incompleteness 74 $6,892,000 $93,000 $417,000 $51,000 $156,000
Application Approved But Not Accepted 32 $2,824,000 $88,000 $300,000 $58,000 $127,000
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 52 $4,125,000 $79,000 $290,000 $58,000 $183,000
Debt-To-Income Ratio 36 $3,489,000 $96,000 $250,000 $44,000 $121,000
Collateral 31 $3,370,000 $108,000 $417,000 $81,000 $447,000
Credit Application Incomplete 12 $1,511,000 $125,000 $331,000 $102,000 $720,000
Other 9 $742,000 $82,000 $167,000 $60,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 6 $481,000 $80,000 $142,000 $43,000 $60,000
Unverifiable Information 1 $5,000 $5,000 $5,000 $2,000 $2,000
Employment History 1 $4,000 $4,000 $4,000 $19,000 $19,000
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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