Landmark Bank Mortgage Lending & HMDA Data, 2019
In 2019, Landmark Bank of Columbia, MO reported 2,689 mortgage applications totaling $560.7 million, down 1% from 2018. The average application was for $208,499, and applicants reported an average income of $117,513. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Columbia, MO (748), Dallas-Plano-Irving, TX (480) and Sherman-Denison, TX (352) (applications in parentheses).
| Mortgage Company & Address | Landmark Bank Po Box 1867 Columbia, MO 65201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 |
| Total Number of Mortgage Applications | 2,689 |
| Total Mortgage Loan Application Amount | $560,655,000 |
| Average Mortgage Loan Application Amount | $208,499 |
| Highest Mortgage Loan Application Amount | $12,005,000 |
| Average Applicant Income | $117,513 |
| Highest Applicant Income | $2,944,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Landmark Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Boone, Missouri | 730 | $ 163,840,000 | $ 224,438 | $ 135,000 |
| Grayson, Texas | 352 | $ 66,540,000 | $ 189,034 | $ 104,000 |
| Collin, Texas | 308 | $ 92,480,000 | $ 300,259 | $ 151,000 |
| Howell, Missouri | 202 | $ 20,960,000 | $ 103,762 | $ 57,000 |
| Texas, Missouri | 151 | $ 13,305,000 | $ 88,112 | $ 58,000 |
| Denton, Texas | 114 | $ 37,860,000 | $ 332,105 | $ 152,000 |
| Shannon, Missouri | 54 | $ 6,460,000 | $ 119,629 | $ 78,000 |
| Cole, Missouri | 51 | $ 7,605,000 | $ 149,117 | $ 72,000 |
| Marshall, Oklahoma | 49 | $ 5,875,000 | $ 119,897 | $ 83,000 |
| Carter, Oklahoma | 47 | $ 6,185,000 | $ 131,595 | $ 84,000 |
| Cooke, Texas | 46 | $ 10,160,000 | $ 220,869 | $ 176,000 |
| Dallas, Texas | 44 | $ 17,040,000 | $ 387,272 | $ 204,000 |
| Bryan, Oklahoma | 42 | $ 8,730,000 | $ 207,857 | $ 109,000 |
| Callaway, Missouri | 38 | $ 6,790,000 | $ 178,684 | $ 77,000 |
| Pontotoc, Oklahoma | 37 | $ 5,195,000 | $ 140,405 | $ 85,000 |
| Johnston, Oklahoma | 36 | $ 3,210,000 | $ 89,166 | $ 107,000 |
| Murray, Oklahoma | 33 | $ 3,695,000 | $ 111,969 | $ 87,000 |
| Fannin, Texas | 24 | $ 5,400,000 | $ 225,000 | $ 149,000 |
| Tarrant, Texas | 23 | $ 7,805,000 | $ 339,347 | $ 199,000 |
| Wright, Missouri | 21 | $ 2,265,000 | $ 107,857 | $ 55,000 |
| Garvin, Oklahoma | 19 | $ 1,775,000 | $ 93,421 | $ 98,000 |
| Moniteau, Missouri | 18 | $ 2,500,000 | $ 138,888 | $ 63,000 |
| Camden, Missouri | 16 | $ 2,670,000 | $ 166,875 | $ 107,000 |
| Cooper, Missouri | 13 | $ 2,155,000 | $ 165,769 | $ 109,000 |
| Jackson, Missouri | 10 | $ 1,970,000 | $ 197,000 | $ 105,000 |
| Douglas, Missouri | 8 | $ 1,080,000 | $ 135,000 | $ 66,000 |
| Greene, Missouri | 7 | $ 1,705,000 | $ 243,571 | $ 177,000 |
| Morgan, Missouri | 6 | $ 890,000 | $ 148,333 | $ 81,000 |
| Harris, Texas | 6 | $ 1,850,000 | $ 308,333 | $ 102,000 |
| Hunt, Texas | 6 | $ 1,610,000 | $ 268,333 | $ 170,000 |
| Rockwall, Texas | 6 | $ 1,680,000 | $ 280,000 | $ 114,000 |
| Wise, Texas | 6 | $ 1,080,000 | $ 180,000 | $ 101,000 |
| Howard, Missouri | 5 | $ 875,000 | $ 175,000 | $ 234,000 |
| Ozark, Missouri | 5 | $ 545,000 | $ 109,000 | $ 52,000 |
| Love, Oklahoma | 5 | $ 465,000 | $ 93,000 | $ 49,000 |
| Christian, Missouri | 4 | $ 370,000 | $ 92,500 | $ 72,000 |
| Laclede, Missouri | 4 | $ 420,000 | $ 105,000 | $ 68,000 |
| Parker, Texas | 4 | $ 1,290,000 | $ 322,500 | $ 118,000 |
| Baxter, Arkansas | 3 | $ 195,000 | $ 65,000 | $ 131,000 |
| Johnson, Kansas | 3 | $ 1,045,000 | $ 348,333 | $ 127,000 |
| Audrain, Missouri | 3 | $ 395,000 | $ 131,666 | $ 99,000 |
| Randolph, Missouri | 3 | $ 295,000 | $ 98,333 | $ 40,000 |
| St. Charles, Missouri | 3 | $ 795,000 | $ 265,000 | $ 115,000 |
| Stone, Missouri | 3 | $ 625,000 | $ 208,333 | $ 305,000 |
| Webster, Missouri | 3 | $ 385,000 | $ 128,333 | $ 45,000 |
| Oklahoma, Oklahoma | 3 | $ 375,000 | $ 125,000 | $ 67,000 |
| Montgomery, Texas | 3 | $ 665,000 | $ 221,666 | $ 137,000 |
| Maricopa, Arizona | 2 | $ 870,000 | $ 435,000 | $ 185,000 |
| Denver, Colorado | 2 | $ 1,400,000 | $ 700,000 | $ 1,593,000 |
| Palm Beach, Florida | 2 | $ 740,000 | $ 370,000 | $ 287,000 |
| Hinds, Mississippi | 2 | $ 360,000 | $ 180,000 | $ 155,000 |
| Cass, Missouri | 2 | $ 490,000 | $ 245,000 | $ 86,000 |
| Dent, Missouri | 2 | $ 130,000 | $ 65,000 | $ 50,000 |
| Jasper, Missouri | 2 | $ 610,000 | $ 305,000 | $ 136,000 |
| Miller, Missouri | 2 | $ 250,000 | $ 125,000 | $ 55,000 |
| Oregon, Missouri | 2 | $ 180,000 | $ 90,000 | $ 76,000 |
| Osage, Missouri | 2 | $ 210,000 | $ 105,000 | $ 40,000 |
| Pettis, Missouri | 2 | $ 130,000 | $ 65,000 | $ 74,000 |
| St. Louis City, Missouri | 2 | $ 280,000 | $ 140,000 | $ 184,000 |
| Hunterdon, New Jersey | 2 | $ 920,000 | $ 460,000 | $ 322,000 |
| Choctaw, Oklahoma | 2 | $ 200,000 | $ 100,000 | $ 103,000 |
| Coal, Oklahoma | 2 | $ 320,000 | $ 160,000 | $ 177,000 |
| McClain, Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 115,000 |
| Payne, Oklahoma | 2 | $ 12,110,000 | $ 6,055,000 | $ 160,000 |
| Pottawatomie, Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 70,000 |
| Tulsa, Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 100,000 |
| Jackson, Oregon | 2 | $ 510,000 | $ 255,000 | $ 276,000 |
| Williamson, Tennessee | 2 | $ 1,510,000 | $ 755,000 | $ 172,000 |
| Bexar, Texas | 2 | $ 440,000 | $ 220,000 | $ 127,000 |
| Lamar, Texas | 2 | $ 110,000 | $ 55,000 | $ 77,000 |
| Montague, Texas | 2 | $ 380,000 | $ 190,000 | $ 70,000 |
| Williamson, Texas | 2 | $ 800,000 | $ 400,000 | $ 125,000 |
| Benton, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Izard, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Marion, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Sharp, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 61,000 |
| Stone, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Adams, Colorado | 1 | $ 315,000 | $ 315,000 | $ 242,000 |
| Arapahoe, Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| El Paso, Colorado | 1 | $ 265,000 | $ 265,000 | $ 151,000 |
| Jefferson, Colorado | 1 | $ 485,000 | $ 485,000 | $ 234,000 |
| Lake, Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Mesa, Colorado | 1 | $ 225,000 | $ 225,000 | $ 156,000 |
| Collier, Florida | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Duval, Florida | 1 | $ 445,000 | $ 445,000 | $ 271,000 |
| Manatee, Florida | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Volusia, Florida | 1 | $ 415,000 | $ 415,000 | $ 220,000 |
| Camden, Georgia | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Fayette, Georgia | 1 | $ 205,000 | $ 205,000 | $ 225,000 |
| Cook, Illinois | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Fulton, Illinois | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Madison, Illinois | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Madison, Indiana | 1 | $ 2,755,000 | $ 2,755,000 | $ 0 |
| Leavenworth, Kansas | 1 | $ 325,000 | $ 325,000 | $ 137,000 |
| Sedgwick, Kansas | 1 | $ 405,000 | $ 405,000 | $ 325,000 |
| Carver, Minnesota | 1 | $ 285,000 | $ 285,000 | $ 133,000 |
| Clay, Missouri | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Clinton, Missouri | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Gasconade, Missouri | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Johnson, Missouri | 1 | $ 405,000 | $ 405,000 | $ 331,000 |
| Lawrence, Missouri | 1 | $ 135,000 | $ 135,000 | $ 163,000 |
| Livingston, Missouri | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Montgomery, Missouri | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Phelps, Missouri | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Platte, Missouri | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Saline, Missouri | 1 | $ 435,000 | $ 435,000 | $ 60,000 |
| Warren, Missouri | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Lancaster, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Essex, New Jersey | 1 | $ 205,000 | $ 205,000 | $ 212,000 |
| Taos, New Mexico | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Queens, New York | 1 | $ 685,000 | $ 685,000 | $ 175,000 |
| Westchester, New York | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Pender, North Carolina | 1 | $ 485,000 | $ 485,000 | $ 360,000 |
| Stutsman, North Dakota | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Atoka, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Beckham, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 152,000 |
| Grady, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Jefferson, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Pushmataha, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Blount, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Aransas, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Burnet, Texas | 1 | $ 485,000 | $ 485,000 | $ 250,000 |
| Ellis, Texas | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
| Johnson, Texas | 1 | $ 95,000 | $ 95,000 | $ 102,000 |
| Kaufman, Texas | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| McLennan, Texas | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Red River, Texas | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| San Jacinto, Texas | 1 | $ 265,000 | $ 265,000 | $ 101,000 |
| Taylor, Texas | 1 | $ 125,000 | $ 125,000 | $ 136,000 |
| Van Zandt, Texas | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Wichita, Texas | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Young, Texas | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Salt Lake, Utah | 1 | $ 215,000 | $ 215,000 | $ 2,034,000 |
| Washington, Virginia | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Landmark Bank 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 | 1,325 | $285,325,000 | $215,000 | $12,005,000 | $116,000 | $2,944,000 |
| Refinancing | 691 | $168,855,000 | $244,000 | $1,325,000 | $135,000 | $2,034,000 |
| Cash-out Refinancing | 547 | $96,465,000 | $176,000 | $1,175,000 | $109,000 | $1,321,000 |
| Other Purpose | 71 | $6,135,000 | $86,000 | $565,000 | $71,000 | $360,000 |
| Home Improvement | 55 | $3,875,000 | $70,000 | $405,000 | $79,000 | $319,000 |
| 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 | 2,133 | $416,475,000 | $195,000 | $1,625,000 | $113,000 | $2,034,000 |
| Not Provided | 178 | $42,210,000 | $237,000 | $1,155,000 | $136,000 | $682,000 |
| Not applicable | 92 | $32,610,000 | $354,000 | $12,005,000 | $0 | $0 |
| Asian | 87 | $25,895,000 | $297,000 | $695,000 | $145,000 | $337,000 |
| Hispanic | 85 | $18,155,000 | $213,000 | $475,000 | $134,000 | $1,512,000 |
| American Indian or Alaskan Native | 38 | $5,070,000 | $133,000 | $345,000 | $76,000 | $196,000 |
| Black or African American | 35 | $7,855,000 | $224,000 | $915,000 | $185,000 | $2,944,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $465,000 | $93,000 | $165,000 | $288,000 | $456,000 |
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) | 2,578 | $537,010,000 | $208,000 | $12,005,000 | $119,000 | $2,944,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $6,945,000 | $131,000 | $265,000 | $49,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 49 | $14,545,000 | $296,000 | $815,000 | $116,000 | $392,000 |
| FHA-insured (Federal Housing Administration) | 9 | $2,155,000 | $239,000 | $395,000 | $93,000 | $205,000 |
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 | 1,904 | $409,390,000 | $215,000 | $12,005,000 | $122,000 | $2,944,000 |
| Application Withdrawn By Applicant | 458 | $97,470,000 | $212,000 | $1,325,000 | $129,000 | $2,034,000 |
| Application Denied By Financial Institution | 303 | $48,195,000 | $159,000 | $1,005,000 | $74,000 | $1,188,000 |
| File Closed For Incompleteness | 15 | $3,325,000 | $221,000 | $865,000 | $99,000 | $434,000 |
| Application Approved But Not Accepted | 9 | $2,275,000 | $252,000 | $565,000 | $105,000 | $192,000 |
| 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 | 2,386 | $512,460,000 | $214,000 | $12,005,000 | $123,000 | $2,944,000 |
| Credit History | 111 | $15,165,000 | $136,000 | $805,000 | $83,000 | $1,188,000 |
| Debt-To-Income Ratio | 104 | $19,080,000 | $183,000 | $465,000 | $64,000 | $360,000 |
| Collateral | 52 | $6,460,000 | $124,000 | $905,000 | $71,000 | $392,000 |
| Unverifiable Information | 14 | $3,600,000 | $257,000 | $1,005,000 | $67,000 | $384,000 |
| Credit Application Incomplete | 7 | $1,195,000 | $170,000 | $345,000 | $67,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,375,000 | $196,000 | $305,000 | $92,000 | $229,000 |
| Employment History | 4 | $360,000 | $90,000 | $145,000 | $62,000 | $176,000 |
| Other | 3 | $865,000 | $288,000 | $445,000 | $155,000 | $271,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $101,000 | $101,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Landmark Bank'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 Landmark 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.
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