Central Bank Of The Ozarks
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Central Bank Of The Ozarks 2018 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 | Central Bank Of The Ozarks 1800 S. Glenstone Springfield, MO 65804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 562 |
| Total Mortgage Loan Application Amount | $129,710,000 |
| Average Mortgage Loan Application Amount | $177,200 |
| Highest Mortgage Loan Application Amount | $4,715,000 |
| Average Applicant Income | $169,600 |
| Highest Applicant Income | $5,750,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Central Bank Of The Ozarks. 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 Central Bank Of The Ozarks's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Central Bank Of The Ozarks'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 Central Bank Of The Ozarks serves its applicants.
Each category highlights the total number of mortgage applications processed by Central Bank Of The Ozarks, 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 Central Bank Of The Ozarks's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greene County Missouri | 307 | $ 75,745,000 | $ 246,000 | $ 216,000 |
| Christian County Missouri | 103 | $ 23,175,000 | $ 225,000 | $ 103,000 |
| Webster County Missouri | 49 | $ 8,925,000 | $ 182,000 | $ 68,000 |
| Stone County Missouri | 24 | $ 3,760,000 | $ 156,000 | $ 117,000 |
| Polk County Missouri | 17 | $ 2,005,000 | $ 117,000 | $ 69,000 |
| Lawrence County Missouri | 12 | $ 1,380,000 | $ 115,000 | $ 96,000 |
| Dallas County Missouri | 10 | $ 970,000 | $ 97,000 | $ 88,000 |
| Taney County Missouri | 7 | $ 6,565,000 | $ 937,000 | $ 107,000 |
| Johnson County Kansas | 6 | $ 2,010,000 | $ 335,000 | $ 284,000 |
| Wright County Missouri | 3 | $ 225,000 | $ 75,000 | $ 46,000 |
| Camden County Missouri | 2 | $ 350,000 | $ 175,000 | $ 37,000 |
| Dade County Missouri | 2 | $ 260,000 | $ 130,000 | $ 85,000 |
| Laclede County Missouri | 2 | $ 260,000 | $ 130,000 | $ 91,000 |
| Newton County Missouri | 2 | $ 540,000 | $ 270,000 | $ 116,000 |
| Carroll County Arkansas | 1 | $ 415,000 | $ 415,000 | $ 486,000 |
| Marion County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Bay County Florida | 1 | $ 185,000 | $ 185,000 | $ 324,000 |
| Okaloosa County Florida | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Walton County Florida | 1 | $ 385,000 | $ 385,000 | $ 391,000 |
| Audrain County Missouri | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Cape Girardeau County Missouri | 1 | $ 385,000 | $ 385,000 | $ 260,000 |
| Clay County Missouri | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Franklin County Missouri | 1 | $ 485,000 | $ 485,000 | $ 180,000 |
| Jackson County Missouri | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Jefferson County Missouri | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Ozark County Missouri | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| St. Louis City County Missouri | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Tulsa County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Washington County Oregon | 1 | $ 285,000 | $ 285,000 | $ 116,000 |
| Parker County Texas | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Central Bank Of The Ozarks in 2018
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 | 329 | $64,205,000 | $195,000 | $3,765,000 | $122,000 | $645,000 |
| Refinancing | 142 | $53,450,000 | $376,000 | $4,715,000 | $119,000 | $1,505,000 |
| Cash-out Refinancing | 69 | $10,075,000 | $146,000 | $1,065,000 | $418,000 | $5,750,000 |
| Other Purpose | 14 | $1,460,000 | $104,000 | $255,000 | $88,000 | $381,000 |
| Home Improvement | 8 | $520,000 | $65,000 | $165,000 | $101,000 | $202,000 |
| 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 | 432 | $74,460,000 | $172,000 | $1,635,000 | $109,000 | $730,000 |
| Not applicable | 76 | $42,760,000 | $562,000 | $4,715,000 | $0 | $0 |
| Not Provided | 39 | $9,565,000 | $245,000 | $3,005,000 | $149,000 | $1,505,000 |
| Hispanic | 6 | $1,100,000 | $183,000 | $385,000 | $73,000 | $142,000 |
| Black or African American | 5 | $525,000 | $105,000 | $135,000 | $4,616,000 | $5,750,000 |
| Asian | 4 | $1,300,000 | $325,000 | $435,000 | $336,000 | $473,000 |
| American Indian or Alaskan Native | 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) | 518 | $123,700,000 | $238,000 | $4,715,000 | $171,000 | $5,750,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,935,000 | $139,000 | $275,000 | $58,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,855,000 | $123,000 | $175,000 | $44,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,220,000 | $152,000 | $235,000 | $54,000 | $126,000 |
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 | 460 | $115,630,000 | $251,000 | $4,715,000 | $182,000 | $5,750,000 |
| Application Withdrawn By Applicant | 69 | $10,375,000 | $150,000 | $585,000 | $92,000 | $540,000 |
| Application Denied By Financial Institution | 32 | $3,580,000 | $111,000 | $255,000 | $52,000 | $105,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $75,000 | $75,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 530 | $126,130,000 | $237,000 | $4,715,000 | $168,000 | $5,750,000 |
| Credit History | 14 | $1,490,000 | $106,000 | $165,000 | $53,000 | $100,000 |
| Debt-To-Income Ratio | 10 | $1,200,000 | $120,000 | $255,000 | $43,000 | $93,000 |
| Collateral | 5 | $645,000 | $129,000 | $185,000 | $70,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $245,000 | $81,000 | $125,000 | $46,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank Of The Ozarks's 2018 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 Central Bank Of The Ozarks'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.