Mid-Missouri Bank Mortgage Lending & HMDA Data, 2006
In 2006, Mid-Missouri Bank of Springfield, MO reported 778 mortgage applications totaling $56.0 million, up 33% from 2005. The average application was for $72,032, and applicants reported an average income of $55,025. 77% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Springfield, MO (179), Joplin, MO (151) and Kansas City, MO-KS (2) (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 | 778 |
| Total Mortgage Loan Application Amount | $56,041,000 |
| Average Mortgage Loan Application Amount | $72,032 |
| Highest Mortgage Loan Application Amount | $573,000 |
| Average Applicant Income | $55,025 |
| Highest Applicant Income | $948,000 |
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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Laclede, Missouri | 155 | $ 9,640,000 | $ 62,193 | $ 48,000 |
| Jasper, Missouri | 120 | $ 9,670,000 | $ 80,583 | $ 57,000 |
| Cedar, Missouri | 114 | $ 4,508,000 | $ 39,543 | $ 36,000 |
| Greene, Missouri | 93 | $ 9,994,000 | $ 107,462 | $ 68,000 |
| Lawrence, Missouri | 66 | $ 3,375,000 | $ 51,136 | $ 42,000 |
| Polk, Missouri | 59 | $ 4,244,000 | $ 71,932 | $ 54,000 |
| Newton, Missouri | 31 | $ 3,802,000 | $ 122,645 | $ 97,000 |
| Christian, Missouri | 24 | $ 2,640,000 | $ 110,000 | $ 82,000 |
| Vernon, Missouri | 20 | $ 894,000 | $ 44,700 | $ 44,000 |
| St. Clair, Missouri | 19 | $ 787,000 | $ 41,421 | $ 35,000 |
| Stone, Missouri | 13 | $ 1,619,000 | $ 124,538 | $ 158,000 |
| Camden, Missouri | 9 | $ 556,000 | $ 61,777 | $ 86,000 |
| Dade, Missouri | 9 | $ 355,000 | $ 39,444 | $ 34,000 |
| Henry, Missouri | 9 | $ 230,000 | $ 25,555 | $ 45,000 |
| Barry, Missouri | 5 | $ 496,000 | $ 99,200 | $ 49,000 |
| Hickory, Missouri | 5 | $ 227,000 | $ 45,400 | $ 72,000 |
| Cherokee, Kansas | 4 | $ 550,000 | $ 137,500 | $ 100,000 |
| Wright, Missouri | 3 | $ 236,000 | $ 78,666 | $ 38,000 |
| Crawford, Kansas | 2 | $ 680,000 | $ 340,000 | $ 104,000 |
| Dallas, Missouri | 2 | $ 245,000 | $ 122,500 | $ 70,000 |
| Carroll, Arkansas | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 80,000 | $ 80,000 | $ 150,000 |
| Johnson, Kansas | 1 | $ 187,000 | $ 187,000 | $ 65,000 |
| Barton, Missouri | 1 | $ 25,000 | $ 25,000 | $ 12,000 |
| Bates, Missouri | 1 | $ 9,000 | $ 9,000 | $ 10,000 |
| Douglas, Missouri | 1 | $ 37,000 | $ 37,000 | $ 73,000 |
| Phelps, Missouri | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Pulaski, Missouri | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Taney, Missouri | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Texas, Missouri | 1 | $ 16,000 | $ 16,000 | $ 65,000 |
| Webster, Missouri | 1 | $ 140,000 | $ 140,000 | $ 71,000 |
| Ottawa, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2006
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 | 446 | $35,987,000 | $80,000 | $573,000 | $58,000 | $948,000 |
| Refinancing | 218 | $16,467,000 | $75,000 | $492,000 | $50,000 | $358,000 |
| Home Improvement | 114 | $3,587,000 | $31,000 | $470,000 | $53,000 | $395,000 |
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 | 685 | $47,612,000 | $69,000 | $573,000 | $59,000 | $948,000 |
| Not applicable | 67 | $6,144,000 | $91,000 | $296,000 | $7,000 | $185,000 |
| Hispanic | 10 | $811,000 | $81,000 | $390,000 | $39,000 | $100,000 |
| Not Provided | 7 | $598,000 | $85,000 | $138,000 | $62,000 | $165,000 |
| Black or African American | 4 | $171,000 | $42,000 | $71,000 | $47,000 | $133,000 |
| American Indian or Alaskan Native | 4 | $645,000 | $161,000 | $300,000 | $200,000 | $358,000 |
| Asian | 1 | $60,000 | $60,000 | $60,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 768 | $55,115,000 | $71,000 | $573,000 | $55,000 | $948,000 |
| FHA-insured (Federal Housing Administration) | 10 | $926,000 | $92,000 | $184,000 | $41,000 | $83,000 |
| 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 | 602 | $43,789,000 | $72,000 | $573,000 | $60,000 | $948,000 |
| Application Denied By Financial Institution | 119 | $7,438,000 | $62,000 | $257,000 | $34,000 | $114,000 |
| Application Withdrawn By Applicant | 39 | $3,511,000 | $90,000 | $335,000 | $52,000 | $180,000 |
| Application Approved But Not Accepted | 9 | $892,000 | $99,000 | $238,000 | $60,000 | $90,000 |
| Preapproval Approved but not Accepted | 3 | $177,000 | $59,000 | $90,000 | $36,000 | $47,000 |
| Preapproval Denied by Financial Institution | 3 | $134,000 | $44,000 | $54,000 | $45,000 | $60,000 |
| File Closed For Incompleteness | 3 | $100,000 | $33,000 | $50,000 | $13,000 | $21,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $60,000 | $60,000 | $60,000 | $46,000 | $46,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Missouri Bank's 2006 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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