Missouri Electric Cooperatives Empl
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Missouri Electric Cooperatives Empl 2019 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 | Missouri Electric Cooperatives Empl 2722 E Mccarty Jefferson City, MO 65101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 242 |
| Total Mortgage Loan Application Amount | $42,590,000 |
| Average Mortgage Loan Application Amount | $182,400 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $101,400 |
| Highest Applicant Income | $628,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Missouri Electric Cooperatives Empl. 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 Missouri Electric Cooperatives Empl's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Missouri Electric Cooperatives Empl'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 Missouri Electric Cooperatives Empl serves its applicants.
Each category highlights the total number of mortgage applications processed by Missouri Electric Cooperatives Empl, 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 Missouri Electric Cooperatives Empl's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Webster County Missouri | 17 | $ 3,485,000 | $ 205,000 | $ 78,000 |
| Boone County Missouri | 10 | $ 2,090,000 | $ 209,000 | $ 220,000 |
| Greene County Missouri | 10 | $ 1,810,000 | $ 181,000 | $ 78,000 |
| Callaway County Missouri | 8 | $ 1,420,000 | $ 177,000 | $ 77,000 |
| Cole County Missouri | 8 | $ 1,810,000 | $ 226,000 | $ 121,000 |
| Marion County Missouri | 8 | $ 970,000 | $ 121,000 | $ 58,000 |
| Camden County Missouri | 6 | $ 1,200,000 | $ 200,000 | $ 111,000 |
| Moniteau County Missouri | 6 | $ 1,100,000 | $ 183,000 | $ 107,000 |
| Texas County Missouri | 6 | $ 1,070,000 | $ 178,000 | $ 67,000 |
| Christian County Missouri | 5 | $ 995,000 | $ 199,000 | $ 93,000 |
| Grundy County Missouri | 5 | $ 515,000 | $ 103,000 | $ 104,000 |
| Stone County Missouri | 5 | $ 1,285,000 | $ 257,000 | $ 141,000 |
| Butler County Missouri | 4 | $ 530,000 | $ 132,000 | $ 122,000 |
| Cape Girardeau County Missouri | 4 | $ 770,000 | $ 192,000 | $ 126,000 |
| Lawrence County Missouri | 4 | $ 560,000 | $ 140,000 | $ 91,000 |
| Lincoln County Missouri | 4 | $ 650,000 | $ 162,000 | $ 127,000 |
| St. Charles County Missouri | 4 | $ 980,000 | $ 245,000 | $ 106,000 |
| Taney County Missouri | 4 | $ 620,000 | $ 155,000 | $ 85,000 |
| Barton County Missouri | 3 | $ 435,000 | $ 145,000 | $ 94,000 |
| Crawford County Missouri | 3 | $ 495,000 | $ 165,000 | $ 89,000 |
| Howell County Missouri | 3 | $ 285,000 | $ 95,000 | $ 56,000 |
| Laclede County Missouri | 3 | $ 605,000 | $ 201,000 | $ 112,000 |
| Lafayette County Missouri | 3 | $ 405,000 | $ 135,000 | $ 102,000 |
| Polk County Missouri | 3 | $ 595,000 | $ 198,000 | $ 91,000 |
| Schuyler County Missouri | 3 | $ 705,000 | $ 235,000 | $ 75,000 |
| Vernon County Missouri | 3 | $ 415,000 | $ 138,000 | $ 85,000 |
| Audrain County Missouri | 2 | $ 180,000 | $ 90,000 | $ 122,000 |
| Clay County Missouri | 2 | $ 300,000 | $ 150,000 | $ 75,000 |
| Clinton County Missouri | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Henry County Missouri | 2 | $ 480,000 | $ 240,000 | $ 77,000 |
| Jackson County Missouri | 2 | $ 380,000 | $ 190,000 | $ 68,000 |
| Johnson County Missouri | 2 | $ 410,000 | $ 205,000 | $ 87,000 |
| Macon County Missouri | 2 | $ 500,000 | $ 250,000 | $ 95,000 |
| McDonald County Missouri | 2 | $ 420,000 | $ 210,000 | $ 103,000 |
| Mercer County Missouri | 2 | $ 290,000 | $ 145,000 | $ 45,000 |
| Miller County Missouri | 2 | $ 250,000 | $ 125,000 | $ 85,000 |
| Pettis County Missouri | 2 | $ 260,000 | $ 130,000 | $ 61,000 |
| Phelps County Missouri | 2 | $ 340,000 | $ 170,000 | $ 96,000 |
| Ralls County Missouri | 2 | $ 380,000 | $ 190,000 | $ 97,000 |
| Randolph County Missouri | 2 | $ 220,000 | $ 110,000 | $ 37,000 |
| Scott County Missouri | 2 | $ 390,000 | $ 195,000 | $ 99,000 |
| St. Francois County Missouri | 2 | $ 260,000 | $ 130,000 | $ 100,000 |
| Benton County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 155,000 |
| Clay County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Davis County Iowa | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Johnson County Kansas | 1 | $ 245,000 | $ 245,000 | $ 271,000 |
| Barry County Missouri | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Bates County Missouri | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Benton County Missouri | 1 | $ 185,000 | $ 185,000 | $ 151,000 |
| Bollinger County Missouri | 1 | $ 115,000 | $ 115,000 | $ 195,000 |
| Caldwell County Missouri | 1 | $ 125,000 | $ 125,000 | $ 276,000 |
| Cass County Missouri | 1 | $ 95,000 | $ 95,000 | $ 161,000 |
| Clark County Missouri | 1 | $ 245,000 | $ 245,000 | $ 111,000 |
| Cooper County Missouri | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Dade County Missouri | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Daviess County Missouri | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Franklin County Missouri | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Jasper County Missouri | 1 | $ 195,000 | $ 195,000 | $ 210,000 |
| Livingston County Missouri | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Madison County Missouri | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Morgan County Missouri | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| New Madrid County Missouri | 1 | $ 245,000 | $ 245,000 | $ 144,000 |
| Nodaway County Missouri | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| Osage County Missouri | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Platte County Missouri | 1 | $ 305,000 | $ 305,000 | $ 144,000 |
| Pulaski County Missouri | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Ray County Missouri | 1 | $ 235,000 | $ 235,000 | $ 132,000 |
| Reynolds County Missouri | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Ripley County Missouri | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| St. Louis County Missouri | 1 | $ 95,000 | $ 95,000 | $ 106,000 |
| Ste. Genevieve County Missouri | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Warren County Missouri | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Wright County Missouri | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Missouri Electric Cooperatives Empl 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 | 138 | $23,440,000 | $169,000 | $505,000 | $92,000 | $594,000 |
| Cash-out Refinancing | 35 | $6,255,000 | $178,000 | $415,000 | $97,000 | $271,000 |
| Other Purpose | 35 | $6,405,000 | $183,000 | $375,000 | $89,000 | $189,000 |
| Refinancing | 30 | $5,720,000 | $190,000 | $345,000 | $139,000 | $628,000 |
| Home Improvement | 4 | $770,000 | $192,000 | $225,000 | $90,000 | $120,000 |
| 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 | 198 | $35,170,000 | $177,000 | $505,000 | $97,000 | $236,000 |
| Not Provided | 40 | $6,720,000 | $168,000 | $375,000 | $106,000 | $628,000 |
| Hispanic | 2 | $280,000 | $140,000 | $195,000 | $45,000 | $91,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $36,000 | $36,000 |
| Black or African American | 1 | $305,000 | $305,000 | $305,000 | $107,000 | $107,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 241 | $42,485,000 | $176,000 | $505,000 | $98,000 | $628,000 |
| FHA-insured (Federal Housing Administration) | 1 | $105,000 | $105,000 | $105,000 | $27,000 | $27,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 144 | $24,990,000 | $173,000 | $505,000 | $113,000 | $628,000 |
| Application Withdrawn By Applicant | 45 | $8,205,000 | $182,000 | $385,000 | $85,000 | $232,000 |
| Application Approved But Not Accepted | 16 | $2,670,000 | $166,000 | $385,000 | $80,000 | $196,000 |
| Preapproval Approved but not Accepted | 16 | $2,810,000 | $175,000 | $285,000 | $81,000 | $148,000 |
| File Closed For Incompleteness | 15 | $2,705,000 | $180,000 | $375,000 | $42,000 | $143,000 |
| Application Denied By Financial Institution | 4 | $780,000 | $195,000 | $355,000 | $58,000 | $107,000 |
| Preapproval Denied by Financial Institution | 2 | $430,000 | $215,000 | $305,000 | $83,000 | $107,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 242 | $42,590,000 | $175,000 | $505,000 | $98,000 | $628,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Missouri Electric Cooperatives Empl'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 Missouri Electric Cooperatives Empl'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.