Central Bank of the Ozarks Mortgage Lending & HMDA Data, 2019
In 2019, Central Bank of the Ozarks of Springfield, MO reported 746 mortgage applications totaling $129.3 million, up 33% from 2018. The average application was for $173,297, and applicants reported an average income of $105,025. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Springfield, MO (670), Joplin, MO (4) and Kansas City, MO-KS (2) (applications in parentheses).
| 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 | 746 |
| Total Mortgage Loan Application Amount | $129,280,000 |
| Average Mortgage Loan Application Amount | $173,297 |
| Highest Mortgage Loan Application Amount | $1,965,000 |
| Average Applicant Income | $105,025 |
| Highest Applicant Income | $1,543,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Central Bank of the Ozarks filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greene, Missouri | 400 | $ 69,150,000 | $ 172,875 | $ 104,000 |
| Christian, Missouri | 190 | $ 36,040,000 | $ 189,684 | $ 121,000 |
| Webster, Missouri | 51 | $ 7,435,000 | $ 145,784 | $ 79,000 |
| Stone, Missouri | 23 | $ 3,625,000 | $ 157,608 | $ 84,000 |
| Dallas, Missouri | 16 | $ 2,560,000 | $ 160,000 | $ 60,000 |
| Polk, Missouri | 13 | $ 1,715,000 | $ 131,923 | $ 80,000 |
| Lawrence, Missouri | 10 | $ 1,180,000 | $ 118,000 | $ 50,000 |
| Taney, Missouri | 9 | $ 1,145,000 | $ 127,222 | $ 192,000 |
| Jasper, Missouri | 4 | $ 470,000 | $ 117,500 | $ 61,000 |
| Howell, Missouri | 3 | $ 765,000 | $ 255,000 | $ 168,000 |
| Laclede, Missouri | 3 | $ 745,000 | $ 248,333 | $ 126,000 |
| Jackson, Missouri | 2 | $ 370,000 | $ 185,000 | $ 46,000 |
| Texas, Missouri | 2 | $ 230,000 | $ 115,000 | $ 28,000 |
| Wright, Missouri | 2 | $ 330,000 | $ 165,000 | $ 175,000 |
| Boone, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 102,000 |
| Washington, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Inyo, California | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Osceola, Florida | 1 | $ 165,000 | $ 165,000 | $ 159,000 |
| Palm Beach, Florida | 1 | $ 505,000 | $ 505,000 | $ 143,000 |
| Seminole, Florida | 1 | $ 335,000 | $ 335,000 | $ 99,000 |
| Livingston, Michigan | 1 | $ 115,000 | $ 115,000 | $ 142,000 |
| Barry, Missouri | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Benton, Missouri | 1 | $ 85,000 | $ 85,000 | $ 67,000 |
| Camden, Missouri | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cedar, Missouri | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Dade, Missouri | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Douglas, Missouri | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Hickory, Missouri | 1 | $ 85,000 | $ 85,000 | $ 12,000 |
| Phelps, Missouri | 1 | $ 85,000 | $ 85,000 | $ 68,000 |
| Canadian, Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 92,000 |
| Beaufort, South Carolina | 1 | $ 475,000 | $ 475,000 | $ 135,000 |
| Powhatan, Virginia | 1 | $ 245,000 | $ 245,000 | $ 450,000 |
Mortgage Loan Application Detail Totals for Central Bank of the Ozarks in 2019
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 | 455 | $78,725,000 | $173,000 | $1,265,000 | $103,000 | $1,300,000 |
| Cash-out Refinancing | 137 | $20,985,000 | $153,000 | $485,000 | $85,000 | $351,000 |
| Refinancing | 135 | $28,035,000 | $207,000 | $1,965,000 | $130,000 | $1,543,000 |
| Home Improvement | 10 | $840,000 | $84,000 | $285,000 | $165,000 | $955,000 |
| Other Purpose | 9 | $695,000 | $77,000 | $175,000 | $71,000 | $273,000 |
| 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 | 640 | $106,690,000 | $166,000 | $735,000 | $99,000 | $1,543,000 |
| Not applicable | 44 | $7,710,000 | $175,000 | $1,965,000 | $0 | $0 |
| Not Provided | 26 | $5,930,000 | $228,000 | $1,265,000 | $112,000 | $438,000 |
| Asian | 11 | $3,375,000 | $306,000 | $985,000 | $243,000 | $665,000 |
| Hispanic | 11 | $2,085,000 | $189,000 | $525,000 | $163,000 | $873,000 |
| American Indian or Alaskan Native | 6 | $830,000 | $138,000 | $365,000 | $73,000 | $192,000 |
| Black or African American | 4 | $1,030,000 | $257,000 | $345,000 | $222,000 | $345,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $570,000 | $285,000 | $505,000 | $236,000 | $450,000 |
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) | 649 | $115,735,000 | $178,000 | $1,965,000 | $113,000 | $1,543,000 |
| FHA-insured (Federal Housing Administration) | 51 | $6,635,000 | $130,000 | $295,000 | $56,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,220,000 | $162,000 | $385,000 | $56,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,690,000 | $134,000 | $195,000 | $52,000 | $76,000 |
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 | 603 | $107,775,000 | $178,000 | $1,965,000 | $111,000 | $1,543,000 |
| Application Withdrawn By Applicant | 95 | $15,185,000 | $159,000 | $1,265,000 | $90,000 | $650,000 |
| Application Denied By Financial Institution | 47 | $6,235,000 | $132,000 | $565,000 | $58,000 | $450,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| File Closed For Incompleteness | 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 | 699 | $123,045,000 | $176,000 | $1,965,000 | $108,000 | $1,543,000 |
| Debt-To-Income Ratio | 15 | $2,205,000 | $147,000 | $365,000 | $34,000 | $90,000 |
| Collateral | 12 | $2,230,000 | $185,000 | $565,000 | $106,000 | $450,000 |
| Credit History | 12 | $1,020,000 | $85,000 | $125,000 | $48,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $385,000 | $128,000 | $155,000 | $63,000 | $72,000 |
| Other | 2 | $180,000 | $90,000 | $95,000 | $42,000 | $55,000 |
| Employment History | 2 | $200,000 | $100,000 | $115,000 | $29,000 | $30,000 |
| Mortgage Insurance Denied | 1 | $15,000 | $15,000 | $15,000 | $48,000 | $48,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank of the Ozarks's 2019 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.
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