Central Bank Of The Ozarks
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Central Bank Of The Ozarks 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 | 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 | 1,394 |
| Total Mortgage Loan Application Amount | $286,100,000 |
| Average Mortgage Loan Application Amount | $161,400 |
| Highest Mortgage Loan Application Amount | $4,155,000 |
| Average Applicant Income | $153,000 |
| Highest Applicant Income | $3,593,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 739 | $ 154,025,000 | $ 208,000 | $ 122,000 |
| Christian County Missouri | 315 | $ 66,885,000 | $ 212,000 | $ 103,000 |
| Webster County Missouri | 97 | $ 17,325,000 | $ 178,000 | $ 74,000 |
| Stone County Missouri | 44 | $ 9,370,000 | $ 212,000 | $ 118,000 |
| Polk County Missouri | 25 | $ 4,565,000 | $ 182,000 | $ 91,000 |
| Dallas County Missouri | 21 | $ 3,175,000 | $ 151,000 | $ 69,000 |
| Lawrence County Missouri | 17 | $ 2,785,000 | $ 163,000 | $ 62,000 |
| Taney County Missouri | 12 | $ 2,660,000 | $ 221,000 | $ 118,000 |
| Barry County Missouri | 9 | $ 2,245,000 | $ 249,000 | $ 116,000 |
| Hickory County Missouri | 7 | $ 625,000 | $ 89,000 | $ 72,000 |
| Johnson County Kansas | 6 | $ 1,720,000 | $ 286,000 | $ 180,000 |
| Douglas County Missouri | 6 | $ 1,120,000 | $ 186,000 | $ 117,000 |
| Jackson County Missouri | 6 | $ 630,000 | $ 105,000 | $ 67,000 |
| Laclede County Missouri | 6 | $ 840,000 | $ 140,000 | $ 67,000 |
| Wright County Missouri | 6 | $ 740,000 | $ 123,000 | $ 58,000 |
| St. Louis City County Missouri | 5 | $ 605,000 | $ 121,000 | $ 102,000 |
| Maricopa County Arizona | 4 | $ 810,000 | $ 202,000 | $ 128,000 |
| Benton County Arkansas | 4 | $ 1,060,000 | $ 265,000 | $ 84,000 |
| Howell County Missouri | 4 | $ 680,000 | $ 170,000 | $ 139,000 |
| Jasper County Missouri | 4 | $ 920,000 | $ 230,000 | $ 127,000 |
| Marion County Arkansas | 2 | $ 420,000 | $ 210,000 | $ 210,000 |
| Washington County Arkansas | 2 | $ 420,000 | $ 210,000 | $ 65,000 |
| Camden County Missouri | 2 | $ 700,000 | $ 350,000 | $ 105,000 |
| Cedar County Missouri | 2 | $ 100,000 | $ 50,000 | $ 32,000 |
| Dade County Missouri | 2 | $ 120,000 | $ 60,000 | $ 27,000 |
| Dent County Missouri | 2 | $ 200,000 | $ 100,000 | $ 34,000 |
| Newton County Missouri | 2 | $ 430,000 | $ 215,000 | $ 0 |
| St. Louis County Missouri | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Pima County Arizona | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
| Carroll County Arkansas | 1 | $ 375,000 | $ 375,000 | $ 746,000 |
| Cleburne County Arkansas | 1 | $ 305,000 | $ 305,000 | $ 615,000 |
| Inyo County California | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Mesa County Colorado | 1 | $ 275,000 | $ 275,000 | $ 535,000 |
| Teller County Colorado | 1 | $ 285,000 | $ 285,000 | $ 138,000 |
| Bay County Florida | 1 | $ 335,000 | $ 335,000 | $ 221,000 |
| Collier County Florida | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Lee County Florida | 1 | $ 415,000 | $ 415,000 | $ 461,000 |
| Pinellas County Florida | 1 | $ 475,000 | $ 475,000 | $ 0 |
| McHenry County Illinois | 1 | $ 105,000 | $ 105,000 | $ 23,000 |
| Scott County Iowa | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Labette County Kansas | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| Pottawatomie County Kansas | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Hennepin County Minnesota | 1 | $ 555,000 | $ 555,000 | $ 415,000 |
| Lamar County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 38,000 |
| Benton County Missouri | 1 | $ 235,000 | $ 235,000 | $ 221,000 |
| Boone County Missouri | 1 | $ 195,000 | $ 195,000 | $ 360,000 |
| Callaway County Missouri | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Crawford County Missouri | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Franklin County Missouri | 1 | $ 475,000 | $ 475,000 | $ 191,000 |
| Jefferson County Missouri | 1 | $ 275,000 | $ 275,000 | $ 142,000 |
| Lafayette County Missouri | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
| Lincoln County Missouri | 1 | $ 295,000 | $ 295,000 | $ 28,000 |
| Morgan County Missouri | 1 | $ 135,000 | $ 135,000 | $ 103,000 |
| Ozark County Missouri | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Phelps County Missouri | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Saline County Missouri | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| St. Charles County Missouri | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Texas County Missouri | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Lancaster County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Tulsa County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Multnomah County Oregon | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Washington County Oregon | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Beaufort County South Carolina | 1 | $ 465,000 | $ 465,000 | $ 140,000 |
| Shelby County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 521,000 |
| Cameron County Texas | 1 | $ 195,000 | $ 195,000 | $ 143,000 |
| Travis County Texas | 1 | $ 305,000 | $ 305,000 | $ 88,000 |
| Webb County Texas | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Grand County Utah | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Fremont County Wyoming | 1 | $ 345,000 | $ 345,000 | $ 0 |
Mortgage Loan Application Detail Totals for Central Bank Of The Ozarks 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 562 | $112,530,000 | $200,000 | $1,255,000 | $103,000 | $1,967,000 |
| Refinancing | 526 | $115,570,000 | $219,000 | $4,155,000 | $121,000 | $1,450,000 |
| Cash-out Refinancing | 282 | $55,540,000 | $196,000 | $1,285,000 | $106,000 | $1,132,000 |
| Other Purpose | 17 | $1,885,000 | $110,000 | $205,000 | $307,000 | $3,593,000 |
| Home Improvement | 7 | $575,000 | $82,000 | $215,000 | $128,000 | $559,000 |
| 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 | 1,200 | $230,280,000 | $191,000 | $1,305,000 | $106,000 | $3,593,000 |
| Not applicable | 75 | $26,095,000 | $347,000 | $4,155,000 | $0 | $0 |
| Not Provided | 68 | $18,620,000 | $273,000 | $1,255,000 | $189,000 | $1,130,000 |
| Hispanic | 23 | $5,185,000 | $225,000 | $475,000 | $136,000 | $983,000 |
| Asian | 12 | $2,060,000 | $171,000 | $355,000 | $140,000 | $559,000 |
| American Indian or Alaskan Native | 7 | $1,565,000 | $223,000 | $315,000 | $66,000 | $87,000 |
| Black or African American | 5 | $965,000 | $193,000 | $315,000 | $113,000 | $303,000 |
| 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) | 1,280 | $266,320,000 | $208,000 | $4,155,000 | $118,000 | $3,593,000 |
| FHA-insured (Federal Housing Administration) | 48 | $6,920,000 | $144,000 | $265,000 | $57,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,925,000 | $140,000 | $275,000 | $46,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 31 | $7,935,000 | $255,000 | $615,000 | $83,000 | $176,000 |
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 | 1,114 | $236,770,000 | $212,000 | $4,155,000 | $113,000 | $1,967,000 |
| Application Withdrawn By Applicant | 193 | $35,455,000 | $183,000 | $965,000 | $129,000 | $3,593,000 |
| Application Denied By Financial Institution | 77 | $12,125,000 | $157,000 | $615,000 | $60,000 | $364,000 |
| Application Approved But Not Accepted | 9 | $1,585,000 | $176,000 | $415,000 | $105,000 | $142,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $88,000 | $88,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,317 | $273,975,000 | $208,000 | $4,155,000 | $116,000 | $3,593,000 |
| Debt-To-Income Ratio | 37 | $6,285,000 | $169,000 | $465,000 | $49,000 | $140,000 |
| Credit History | 26 | $2,640,000 | $101,000 | $275,000 | $51,000 | $123,000 |
| Other | 4 | $1,020,000 | $255,000 | $515,000 | $119,000 | $199,000 |
| Collateral | 4 | $1,210,000 | $302,000 | $615,000 | $169,000 | $364,000 |
| Employment History | 3 | $485,000 | $161,000 | $195,000 | $62,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $310,000 | $155,000 | $225,000 | $53,000 | $85,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $38,000 | $38,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank Of The Ozarks'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 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.