Infuze Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Infuze Credit Union of Waynesville, MO reported 666 mortgage applications totaling $68.1 million, up 86% from 2023. The average application was for $102,267, and applicants reported an average income of $91,975. 35% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Springfield, MO (20), St. Louis, MO-IL (4) and Columbia, MO (1) (applications in parentheses).
| Mortgage Company & Address | Infuze Credit Union 1300 U.S. Rt. 66 Waynesville, MO 65583 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 666 |
| Total Mortgage Loan Application Amount | $68,110,000 |
| Average Mortgage Loan Application Amount | $102,267 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $91,975 |
| Highest Applicant Income | $1,968,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Infuze Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 639 | $ 65,275,000 | $ 102,151 | $ 91,211 |
| Springfield, MO | 20 | $ 1,900,000 | $ 95,000 | $ 85,000 |
| St. Louis, MO-IL | 4 | $ 630,000 | $ 157,500 | $ 212,000 |
| Columbia, MO | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Jefferson City, MO | 1 | $ 205,000 | $ 205,000 | $ 145,000 |
| Kansas City, MO-KS | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Infuze Credit Union in 2024
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 319 | $27,165,000 | $85,000 | $705,000 | $102,000 | $1,968,000 |
| Home Purchase | 186 | $29,990,000 | $161,000 | $675,000 | $79,000 | $372,000 |
| Home Improvement | 101 | $7,375,000 | $73,000 | $495,000 | $85,000 | $252,000 |
| Other Purpose | 51 | $2,365,000 | $46,000 | $105,000 | $86,000 | $452,000 |
| Refinancing | 9 | $1,215,000 | $135,000 | $575,000 | $117,000 | $161,000 |
| 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 | 581 | $57,045,000 | $98,000 | $705,000 | $92,000 | $1,968,000 |
| Not Provided | 34 | $5,320,000 | $156,000 | $485,000 | $73,000 | $296,000 |
| Hispanic | 23 | $3,345,000 | $145,000 | $675,000 | $122,000 | $452,000 |
| Black or African American | 16 | $1,790,000 | $111,000 | $385,000 | $92,000 | $176,000 |
| Asian | 8 | $310,000 | $38,000 | $75,000 | $85,000 | $171,000 |
| American Indian or Alaskan Native | 3 | $245,000 | $81,000 | $145,000 | $31,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $80,000 | $80,000 |
| Not applicable | 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) | 612 | $59,680,000 | $97,000 | $705,000 | $95,000 | $1,968,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $6,345,000 | $147,000 | $265,000 | $52,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 6 | $960,000 | $160,000 | $225,000 | $63,000 | $104,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,125,000 | $225,000 | $495,000 | $54,000 | $72,000 |
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 | 230 | $20,040,000 | $87,000 | $575,000 | $101,000 | $470,000 |
| Application Denied By Financial Institution | 171 | $14,285,000 | $83,000 | $345,000 | $84,000 | $470,000 |
| Preapproval Denied by Financial Institution | 118 | $19,370,000 | $164,000 | $675,000 | $72,000 | $372,000 |
| Application Withdrawn By Applicant | 50 | $4,250,000 | $85,000 | $705,000 | $122,000 | $1,968,000 |
| Preapproval Approved but not Accepted | 38 | $6,470,000 | $170,000 | $575,000 | $89,000 | $246,000 |
| Application Approved But Not Accepted | 34 | $1,930,000 | $56,000 | $165,000 | $101,000 | $470,000 |
| File Closed For Incompleteness | 25 | $1,765,000 | $70,000 | $305,000 | $86,000 | $187,000 |
| Loan Purchased By The 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 | 377 | $34,455,000 | $91,000 | $705,000 | $102,000 | $1,968,000 |
| Debt-To-Income Ratio | 129 | $13,835,000 | $107,000 | $505,000 | $71,000 | $372,000 |
| Credit History | 84 | $10,910,000 | $129,000 | $405,000 | $76,000 | $191,000 |
| Collateral | 37 | $4,265,000 | $115,000 | $675,000 | $111,000 | $470,000 |
| Employment History | 15 | $1,745,000 | $116,000 | $285,000 | $73,000 | $138,000 |
| Other | 9 | $375,000 | $41,000 | $85,000 | $90,000 | $178,000 |
| Credit Application Incomplete | 7 | $1,205,000 | $172,000 | $345,000 | $87,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $925,000 | $185,000 | $235,000 | $61,000 | $126,000 |
| Unverifiable Information | 3 | $395,000 | $131,000 | $185,000 | $103,000 | $121,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Infuze Credit Union's 2024 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 Infuze Credit Union'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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