Missouri Electric Cooperatives Empl
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Missouri Electric Cooperatives Empl 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 | 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 | 392 |
| Total Mortgage Loan Application Amount | $76,370,000 |
| Average Mortgage Loan Application Amount | $191,200 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $117,600 |
| Highest Applicant Income | $914,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 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 | 32 | $ 7,280,000 | $ 227,000 | $ 146,000 |
| Boone County Missouri | 19 | $ 3,925,000 | $ 206,000 | $ 111,000 |
| Christian County Missouri | 15 | $ 3,025,000 | $ 201,000 | $ 114,000 |
| Cole County Missouri | 12 | $ 2,830,000 | $ 235,000 | $ 129,000 |
| Webster County Missouri | 12 | $ 1,970,000 | $ 164,000 | $ 123,000 |
| Taney County Missouri | 11 | $ 2,145,000 | $ 195,000 | $ 98,000 |
| New Madrid County Missouri | 10 | $ 1,300,000 | $ 130,000 | $ 86,000 |
| Barry County Missouri | 8 | $ 1,060,000 | $ 132,000 | $ 102,000 |
| Camden County Missouri | 8 | $ 1,950,000 | $ 243,000 | $ 111,000 |
| Macon County Missouri | 8 | $ 1,230,000 | $ 153,000 | $ 114,000 |
| Callaway County Missouri | 7 | $ 1,105,000 | $ 157,000 | $ 69,000 |
| Clay County Missouri | 7 | $ 1,575,000 | $ 225,000 | $ 106,000 |
| Dunklin County Missouri | 7 | $ 1,185,000 | $ 169,000 | $ 110,000 |
| Stoddard County Missouri | 7 | $ 1,315,000 | $ 187,000 | $ 122,000 |
| Stone County Missouri | 7 | $ 1,875,000 | $ 267,000 | $ 112,000 |
| Crawford County Missouri | 6 | $ 1,090,000 | $ 181,000 | $ 100,000 |
| Lincoln County Missouri | 6 | $ 1,410,000 | $ 235,000 | $ 153,000 |
| Osage County Missouri | 6 | $ 1,250,000 | $ 208,000 | $ 108,000 |
| Clinton County Missouri | 5 | $ 1,295,000 | $ 259,000 | $ 153,000 |
| DeKalb County Missouri | 5 | $ 1,015,000 | $ 203,000 | $ 90,000 |
| Lawrence County Missouri | 5 | $ 535,000 | $ 107,000 | $ 85,000 |
| Madison County Missouri | 5 | $ 825,000 | $ 165,000 | $ 105,000 |
| Marion County Missouri | 5 | $ 605,000 | $ 121,000 | $ 97,000 |
| Moniteau County Missouri | 5 | $ 1,065,000 | $ 213,000 | $ 127,000 |
| Randolph County Missouri | 5 | $ 1,155,000 | $ 231,000 | $ 120,000 |
| Andrew County Missouri | 4 | $ 680,000 | $ 170,000 | $ 113,000 |
| Butler County Missouri | 4 | $ 610,000 | $ 152,000 | $ 80,000 |
| Henry County Missouri | 4 | $ 890,000 | $ 222,000 | $ 158,000 |
| Jackson County Missouri | 4 | $ 1,230,000 | $ 307,000 | $ 206,000 |
| Laclede County Missouri | 4 | $ 620,000 | $ 155,000 | $ 101,000 |
| Morgan County Missouri | 4 | $ 580,000 | $ 145,000 | $ 109,000 |
| Pettis County Missouri | 4 | $ 570,000 | $ 142,000 | $ 62,000 |
| Polk County Missouri | 4 | $ 1,090,000 | $ 272,000 | $ 135,000 |
| Texas County Missouri | 4 | $ 780,000 | $ 195,000 | $ 98,000 |
| Audrain County Missouri | 3 | $ 705,000 | $ 235,000 | $ 97,000 |
| Barton County Missouri | 3 | $ 645,000 | $ 215,000 | $ 100,000 |
| Cape Girardeau County Missouri | 3 | $ 685,000 | $ 228,000 | $ 208,000 |
| Dent County Missouri | 3 | $ 645,000 | $ 215,000 | $ 106,000 |
| Perry County Missouri | 3 | $ 495,000 | $ 165,000 | $ 117,000 |
| Platte County Missouri | 3 | $ 1,385,000 | $ 461,000 | $ 358,000 |
| Wright County Missouri | 3 | $ 585,000 | $ 195,000 | $ 99,000 |
| Craighead County Arkansas | 2 | $ 680,000 | $ 340,000 | $ 175,000 |
| Henry County Iowa | 2 | $ 240,000 | $ 120,000 | $ 97,000 |
| Cass County Missouri | 2 | $ 320,000 | $ 160,000 | $ 120,000 |
| Chariton County Missouri | 2 | $ 520,000 | $ 260,000 | $ 114,000 |
| Dade County Missouri | 2 | $ 340,000 | $ 170,000 | $ 51,000 |
| Dallas County Missouri | 2 | $ 330,000 | $ 165,000 | $ 130,000 |
| Douglas County Missouri | 2 | $ 470,000 | $ 235,000 | $ 155,000 |
| Grundy County Missouri | 2 | $ 310,000 | $ 155,000 | $ 79,000 |
| Hickory County Missouri | 2 | $ 270,000 | $ 135,000 | $ 87,000 |
| Howell County Missouri | 2 | $ 260,000 | $ 130,000 | $ 100,000 |
| Lafayette County Missouri | 2 | $ 240,000 | $ 120,000 | $ 117,000 |
| Mercer County Missouri | 2 | $ 200,000 | $ 100,000 | $ 71,000 |
| Monroe County Missouri | 2 | $ 390,000 | $ 195,000 | $ 158,000 |
| Newton County Missouri | 2 | $ 280,000 | $ 140,000 | $ 69,000 |
| Nodaway County Missouri | 2 | $ 190,000 | $ 95,000 | $ 41,000 |
| Phelps County Missouri | 2 | $ 610,000 | $ 305,000 | $ 131,000 |
| Ralls County Missouri | 2 | $ 470,000 | $ 235,000 | $ 111,000 |
| Ripley County Missouri | 2 | $ 280,000 | $ 140,000 | $ 74,000 |
| Schuyler County Missouri | 2 | $ 380,000 | $ 190,000 | $ 158,000 |
| Scott County Missouri | 2 | $ 250,000 | $ 125,000 | $ 106,000 |
| Shelby County Missouri | 2 | $ 350,000 | $ 175,000 | $ 97,000 |
| St. Louis City County Missouri | 2 | $ 340,000 | $ 170,000 | $ 204,000 |
| Ste. Genevieve County Missouri | 2 | $ 370,000 | $ 185,000 | $ 106,000 |
| Tulsa County Oklahoma | 2 | $ 420,000 | $ 210,000 | $ 143,000 |
| Benton County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Madison County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Washington County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 129,000 |
| Appanoose County Iowa | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Wyandotte County Kansas | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Adair County Missouri | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Atchison County Missouri | 1 | $ 85,000 | $ 85,000 | $ 129,000 |
| Bates County Missouri | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Bollinger County Missouri | 1 | $ 115,000 | $ 115,000 | $ 142,000 |
| Carroll County Missouri | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Carter County Missouri | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Cedar County Missouri | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Clark County Missouri | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Cooper County Missouri | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Howard County Missouri | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Jasper County Missouri | 1 | $ 345,000 | $ 345,000 | $ 176,000 |
| Livingston County Missouri | 1 | $ 145,000 | $ 145,000 | $ 150,000 |
| Miller County Missouri | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Mississippi County Missouri | 1 | $ 135,000 | $ 135,000 | $ 136,000 |
| Montgomery County Missouri | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Ozark County Missouri | 1 | $ 115,000 | $ 115,000 | $ 213,000 |
| Pemiscot County Missouri | 1 | $ 115,000 | $ 115,000 | $ 158,000 |
| Ray County Missouri | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| St. Charles County Missouri | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Sullivan County Missouri | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Wayne County Missouri | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lancaster County Nebraska | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Canadian County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Muskogee County Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
| Ottawa County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Missouri Electric Cooperatives Empl 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 | 160 | $31,660,000 | $197,000 | $965,000 | $104,000 | $914,000 |
| Refinancing | 83 | $16,895,000 | $203,000 | $495,000 | $113,000 | $331,000 |
| Other Purpose | 70 | $11,790,000 | $168,000 | $355,000 | $116,000 | $283,000 |
| Cash-out Refinancing | 65 | $13,485,000 | $207,000 | $455,000 | $139,000 | $412,000 |
| Home Improvement | 14 | $2,540,000 | $181,000 | $355,000 | $116,000 | $196,000 |
| 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 | 347 | $67,155,000 | $193,000 | $965,000 | $113,000 | $914,000 |
| Not Provided | 37 | $7,735,000 | $209,000 | $405,000 | $121,000 | $331,000 |
| Black or African American | 3 | $365,000 | $121,000 | $145,000 | $99,000 | $113,000 |
| Hispanic | 2 | $370,000 | $185,000 | $215,000 | $88,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $164,000 | $164,000 |
| American Indian or Alaskan Native | 1 | $315,000 | $315,000 | $315,000 | $85,000 | $85,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $115,000 | $115,000 |
| 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) | 392 | $76,370,000 | $194,000 | $965,000 | $114,000 | $914,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 278 | $54,670,000 | $196,000 | $965,000 | $121,000 | $914,000 |
| Application Approved But Not Accepted | 37 | $6,085,000 | $164,000 | $335,000 | $93,000 | $207,000 |
| Application Withdrawn By Applicant | 34 | $7,250,000 | $213,000 | $495,000 | $78,000 | $158,000 |
| File Closed For Incompleteness | 22 | $4,160,000 | $189,000 | $355,000 | $106,000 | $182,000 |
| Application Denied By Financial Institution | 10 | $1,730,000 | $173,000 | $315,000 | $109,000 | $263,000 |
| Preapproval Approved but not Accepted | 8 | $1,750,000 | $218,000 | $515,000 | $112,000 | $183,000 |
| Preapproval Denied by Financial Institution | 3 | $725,000 | $241,000 | $545,000 | $89,000 | $126,000 |
| 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 | 392 | $76,370,000 | $194,000 | $965,000 | $114,000 | $914,000 |
| 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 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 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.