Mid-Missouri Bank Mortgage Lending & HMDA Data, 2025
In 2025, Mid-Missouri Bank of Springfield, MO reported 451 mortgage applications totaling $108.6 million, up 11% from 2024. The average application was for $240,764, and applicants reported an average income of $125,851. 86% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Springfield, MO (245), Joplin, MO (39) and Fayetteville-Springdale-Rogers, AR-MO (3) (applications in parentheses).
| Mortgage Company & Address | Mid-Missouri Bank 3546 East Sunshine Springfield, MO 65804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 451 |
| Total Mortgage Loan Application Amount | $108,585,000 |
| Average Mortgage Loan Application Amount | $240,764 |
| Highest Mortgage Loan Application Amount | $3,455,000 |
| Average Applicant Income | $125,851 |
| Highest Applicant Income | $1,708,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Greene, Missouri | 143 | $ 37,505,000 | $ 262,272 | $ 130,000 |
| Christian, Missouri | 54 | $ 15,670,000 | $ 290,185 | $ 134,000 |
| Lawrence, Missouri | 54 | $ 9,750,000 | $ 180,555 | $ 103,000 |
| Polk, Missouri | 35 | $ 7,015,000 | $ 200,428 | $ 117,000 |
| Cedar, Missouri | 34 | $ 6,350,000 | $ 186,764 | $ 98,000 |
| Jasper, Missouri | 34 | $ 9,120,000 | $ 268,235 | $ 158,000 |
| Laclede, Missouri | 15 | $ 2,425,000 | $ 161,666 | $ 90,000 |
| Stone, Missouri | 9 | $ 3,075,000 | $ 341,666 | $ 159,000 |
| Webster, Missouri | 9 | $ 3,365,000 | $ 373,888 | $ 99,000 |
| Dade, Missouri | 8 | $ 1,710,000 | $ 213,750 | $ 97,000 |
| Vernon, Missouri | 8 | $ 880,000 | $ 110,000 | $ 98,000 |
| Camden, Missouri | 5 | $ 1,385,000 | $ 277,000 | $ 126,000 |
| Newton, Missouri | 5 | $ 615,000 | $ 123,000 | $ 80,000 |
| St. Clair, Missouri | 5 | $ 505,000 | $ 101,000 | $ 64,000 |
| Dallas, Missouri | 4 | $ 720,000 | $ 180,000 | $ 78,000 |
| Hickory, Missouri | 3 | $ 505,000 | $ 168,333 | $ 72,000 |
| Taney, Missouri | 3 | $ 1,335,000 | $ 445,000 | $ 248,000 |
| Washington, Arkansas | 2 | $ 490,000 | $ 245,000 | $ 240,000 |
| Barry, Missouri | 2 | $ 440,000 | $ 220,000 | $ 93,000 |
| Arkansas, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Benton, Arkansas | 1 | $ 505,000 | $ 505,000 | $ 1,708,000 |
| Mesa, Colorado | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Manatee, Florida | 1 | $ 685,000 | $ 685,000 | $ 667,000 |
| Nassau, Florida | 1 | $ 595,000 | $ 595,000 | $ 348,000 |
| Cook, Illinois | 1 | $ 305,000 | $ 305,000 | $ 424,000 |
| Wyandotte, Kansas | 1 | $ 235,000 | $ 235,000 | $ 68,000 |
| Barton, Missouri | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Benton, Missouri | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Douglas, Missouri | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Howell, Missouri | 1 | $ 345,000 | $ 345,000 | $ 91,000 |
| Miller, Missouri | 1 | $ 215,000 | $ 215,000 | $ 128,000 |
| Pulaski, Missouri | 1 | $ 35,000 | $ 35,000 | $ 148,000 |
| Ray, Missouri | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| Shannon, Missouri | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| St. Louis, Missouri | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Texas, Missouri | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Wright, Missouri | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Delaware, Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 166,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2025
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 | 306 | $80,330,000 | $262,000 | $3,455,000 | $121,000 | $1,708,000 |
| Refinancing | 118 | $25,180,000 | $213,000 | $1,755,000 | $143,000 | $836,000 |
| Home Improvement | 16 | $1,410,000 | $88,000 | $255,000 | $112,000 | $228,000 |
| Cash-out Refinancing | 11 | $1,665,000 | $151,000 | $305,000 | $97,000 | $424,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 386 | $85,030,000 | $220,000 | $1,755,000 | $122,000 | $836,000 |
| Not applicable | 45 | $18,685,000 | $415,000 | $3,455,000 | $0 | $0 |
| Hispanic | 8 | $2,340,000 | $292,000 | $635,000 | $149,000 | $424,000 |
| American Indian or Alaskan Native | 5 | $1,275,000 | $255,000 | $505,000 | $507,000 | $1,708,000 |
| Asian | 3 | $495,000 | $165,000 | $225,000 | $98,000 | $123,000 |
| Black or African American | 3 | $635,000 | $211,000 | $245,000 | $62,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $42,000 | $42,000 |
| Not Provided | 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) | 436 | $105,520,000 | $242,000 | $3,455,000 | $128,000 | $1,708,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,910,000 | $191,000 | $265,000 | $76,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 3 | $675,000 | $225,000 | $355,000 | $85,000 | $141,000 |
| FHA-insured (Federal Housing Administration) | 2 | $480,000 | $240,000 | $245,000 | $73,000 | $74,000 |
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 | 388 | $93,520,000 | $241,000 | $3,455,000 | $127,000 | $1,708,000 |
| Application Withdrawn By Applicant | 49 | $12,975,000 | $264,000 | $1,055,000 | $127,000 | $667,000 |
| Application Denied By Financial Institution | 11 | $1,795,000 | $163,000 | $415,000 | $68,000 | $157,000 |
| Application Approved But Not Accepted | 3 | $295,000 | $98,000 | $135,000 | $153,000 | $271,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 451 | $108,585,000 | $240,000 | $3,455,000 | $126,000 | $1,708,000 |
| 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 Mid-Missouri Bank's 2025 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 Mid-Missouri 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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