Providence Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Providence Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Providence Bank 3855 Forum Boulevard Columbia, MO 65203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2006 2005 |
| Total Number of Mortgage Applications | 701 |
| Total Mortgage Loan Application Amount | $160,865,000 |
| Average Mortgage Loan Application Amount | $202,500 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $120,250 |
| Highest Applicant Income | $1,869,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Providence Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Providence Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Providence Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Providence Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Providence Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Providence Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boone County Missouri | 216 | $ 57,190,000 | $ 264,000 | $ 152,000 |
| St. Charles County Missouri | 75 | $ 16,275,000 | $ 217,000 | $ 93,000 |
| Cole County Missouri | 60 | $ 9,850,000 | $ 164,000 | $ 94,000 |
| Tarrant County Texas | 59 | $ 15,885,000 | $ 269,000 | $ 137,000 |
| St. Louis County Missouri | 50 | $ 8,140,000 | $ 162,000 | $ 90,000 |
| Camden County Missouri | 38 | $ 6,410,000 | $ 168,000 | $ 104,000 |
| St. Clair County Illinois | 34 | $ 6,180,000 | $ 181,000 | $ 146,000 |
| Lincoln County Missouri | 15 | $ 2,165,000 | $ 144,000 | $ 87,000 |
| Moniteau County Missouri | 13 | $ 1,185,000 | $ 91,000 | $ 66,000 |
| Denton County Texas | 13 | $ 4,455,000 | $ 342,000 | $ 168,000 |
| Madison County Illinois | 11 | $ 1,655,000 | $ 150,000 | $ 76,000 |
| Macon County Missouri | 8 | $ 1,030,000 | $ 128,000 | $ 75,000 |
| Miller County Missouri | 8 | $ 1,230,000 | $ 153,000 | $ 165,000 |
| St. Louis City County Missouri | 8 | $ 1,470,000 | $ 183,000 | $ 86,000 |
| Cooper County Missouri | 6 | $ 1,160,000 | $ 193,000 | $ 113,000 |
| Collin County Texas | 6 | $ 2,650,000 | $ 441,000 | $ 191,000 |
| Dallas County Texas | 6 | $ 4,810,000 | $ 801,000 | $ 457,000 |
| Macoupin County Illinois | 5 | $ 555,000 | $ 111,000 | $ 59,000 |
| Morgan County Missouri | 5 | $ 905,000 | $ 181,000 | $ 155,000 |
| Callaway County Missouri | 4 | $ 790,000 | $ 197,000 | $ 73,000 |
| Jackson County Missouri | 4 | $ 990,000 | $ 247,000 | $ 130,000 |
| Jefferson County Missouri | 4 | $ 780,000 | $ 195,000 | $ 95,000 |
| Warren County Missouri | 4 | $ 840,000 | $ 210,000 | $ 65,000 |
| Contra Costa County California | 2 | $ 1,130,000 | $ 565,000 | $ 773,000 |
| Lee County Florida | 2 | $ 320,000 | $ 160,000 | $ 82,000 |
| Clinton County Illinois | 2 | $ 580,000 | $ 290,000 | $ 129,000 |
| Montgomery County Illinois | 2 | $ 400,000 | $ 200,000 | $ 115,000 |
| Johnson County Kansas | 2 | $ 340,000 | $ 170,000 | $ 104,000 |
| Benton County Missouri | 2 | $ 240,000 | $ 120,000 | $ 53,000 |
| San Diego County California | 1 | $ 575,000 | $ 575,000 | $ 128,000 |
| Brevard County Florida | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Collier County Florida | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Manatee County Florida | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Monroe County Florida | 1 | $ 455,000 | $ 455,000 | $ 130,000 |
| Sarasota County Florida | 1 | $ 765,000 | $ 765,000 | $ 658,000 |
| Ada County Idaho | 1 | $ 105,000 | $ 105,000 | $ 156,000 |
| Monroe County Illinois | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Williamson County Illinois | 1 | $ 215,000 | $ 215,000 | $ 400,000 |
| Scott County Iowa | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Wapello County Iowa | 1 | $ 725,000 | $ 725,000 | $ 309,000 |
| Franklin County Kentucky | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
| Wright County Minnesota | 1 | $ 295,000 | $ 295,000 | $ 431,000 |
| Harrison County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Audrain County Missouri | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Cass County Missouri | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Franklin County Missouri | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Greene County Missouri | 1 | $ 205,000 | $ 205,000 | $ 109,000 |
| Howard County Missouri | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Jasper County Missouri | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Newton County Missouri | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Osage County Missouri | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Phelps County Missouri | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Pike County Missouri | 1 | $ 265,000 | $ 265,000 | $ 221,000 |
| Pulaski County Missouri | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Lancaster County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Stark County North Dakota | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Montgomery County Pennsylvania | 1 | $ 515,000 | $ 515,000 | $ 282,000 |
| Charleston County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 238,000 |
| Spartanburg County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Franklin County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 309,000 |
| Harris County Texas | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Hays County Texas | 1 | $ 265,000 | $ 265,000 | $ 163,000 |
| Lubbock County Texas | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Parker County Texas | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Wise County Texas | 1 | $ 335,000 | $ 335,000 | $ 107,000 |
| Salt Lake County Utah | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Providence Bank in 2020
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 | 296 | $65,150,000 | $220,000 | $1,325,000 | $134,000 | $1,639,000 |
| Home Purchase | 276 | $62,650,000 | $226,000 | $3,405,000 | $110,000 | $1,129,000 |
| Cash-out Refinancing | 126 | $32,750,000 | $259,000 | $3,505,000 | $157,000 | $1,869,000 |
| Home Improvement | 3 | $315,000 | $105,000 | $135,000 | $80,000 | $119,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 522 | $113,420,000 | $217,000 | $1,325,000 | $124,000 | $1,639,000 |
| Not Provided | 103 | $27,345,000 | $265,000 | $3,405,000 | $174,000 | $1,869,000 |
| Not applicable | 23 | $10,075,000 | $438,000 | $3,505,000 | $86,000 | $114,000 |
| Black or African American | 23 | $3,185,000 | $138,000 | $245,000 | $65,000 | $123,000 |
| Asian | 12 | $2,470,000 | $205,000 | $365,000 | $113,000 | $259,000 |
| Hispanic | 11 | $3,035,000 | $275,000 | $515,000 | $112,000 | $290,000 |
| American Indian or Alaskan Native | 2 | $520,000 | $260,000 | $265,000 | $116,000 | $125,000 |
| 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) | 645 | $150,145,000 | $232,000 | $3,505,000 | $135,000 | $1,869,000 |
| VA-guaranteed (Veterans Administration) | 29 | $7,345,000 | $253,000 | $575,000 | $73,000 | $176,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,650,000 | $132,000 | $365,000 | $50,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $725,000 | $103,000 | $155,000 | $49,000 | $108,000 |
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 | 541 | $125,815,000 | $232,000 | $3,505,000 | $130,000 | $1,869,000 |
| Application Withdrawn By Applicant | 85 | $20,495,000 | $241,000 | $1,085,000 | $131,000 | $774,000 |
| Application Approved But Not Accepted | 41 | $7,705,000 | $187,000 | $445,000 | $137,000 | $773,000 |
| Application Denied By Financial Institution | 32 | $6,560,000 | $205,000 | $515,000 | $92,000 | $279,000 |
| File Closed For Incompleteness | 2 | $290,000 | $145,000 | $245,000 | $81,000 | $123,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 701 | $160,865,000 | $229,000 | $3,505,000 | $129,000 | $1,869,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Providence Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Providence Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.