Mid-Missouri Bank Mortgage Lending & HMDA Data, 2013
In 2013, Mid-Missouri Bank of Springfield, MO reported 447 mortgage applications totaling $39.4 million, up 18% from 2012. The average application was for $88,033, and applicants reported an average income of $61,223. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Springfield, MO (121), Joplin, MO (70) 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 | 447 |
| Total Mortgage Loan Application Amount | $39,351,000 |
| Average Mortgage Loan Application Amount | $88,033 |
| Highest Mortgage Loan Application Amount | $994,000 |
| Average Applicant Income | $61,223 |
| Highest Applicant Income | $735,000 |
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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 74 | $ 3,726,000 | $ 50,351 | $ 38,000 |
| Jasper, Missouri | 58 | $ 4,105,000 | $ 70,775 | $ 94,000 |
| Cedar, Missouri | 55 | $ 3,387,000 | $ 61,581 | $ 52,000 |
| Lawrence, Missouri | 55 | $ 6,730,000 | $ 122,363 | $ 63,000 |
| Polk, Missouri | 55 | $ 4,022,000 | $ 73,127 | $ 48,000 |
| Greene, Missouri | 53 | $ 6,243,000 | $ 117,792 | $ 49,000 |
| Newton, Missouri | 12 | $ 897,000 | $ 74,750 | $ 60,000 |
| Vernon, Missouri | 9 | $ 602,000 | $ 66,888 | $ 68,000 |
| Barry, Missouri | 7 | $ 976,000 | $ 139,428 | $ 93,000 |
| Camden, Missouri | 6 | $ 876,000 | $ 146,000 | $ 93,000 |
| Christian, Missouri | 6 | $ 710,000 | $ 118,333 | $ 109,000 |
| Dallas, Missouri | 5 | $ 911,000 | $ 182,200 | $ 23,000 |
| St. Clair, Missouri | 5 | $ 904,000 | $ 180,800 | $ 124,000 |
| Taney, Missouri | 5 | $ 478,000 | $ 95,600 | $ 157,000 |
| Wright, Missouri | 5 | $ 258,000 | $ 51,600 | $ 53,000 |
| Hickory, Missouri | 3 | $ 420,000 | $ 140,000 | $ 91,000 |
| McDonald, Missouri | 3 | $ 1,273,000 | $ 424,333 | $ 139,000 |
| Benton, Missouri | 2 | $ 31,000 | $ 15,500 | $ 37,000 |
| Dade, Missouri | 2 | $ 108,000 | $ 54,000 | $ 36,000 |
| Miller, Missouri | 2 | $ 162,000 | $ 81,000 | $ 84,000 |
| Stone, Missouri | 2 | $ 66,000 | $ 33,000 | $ 44,000 |
| Webster, Missouri | 2 | $ 364,000 | $ 182,000 | $ 102,000 |
| Bourbon, Kansas | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Barton, Missouri | 1 | $ 211,000 | $ 211,000 | $ 152,000 |
| Carter, Missouri | 1 | $ 230,000 | $ 230,000 | $ 124,000 |
| Henry, Missouri | 1 | $ 11,000 | $ 11,000 | $ 31,000 |
| Jackson, Missouri | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Morgan, Missouri | 1 | $ 153,000 | $ 153,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2013
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 | 221 | $16,643,000 | $75,000 | $765,000 | $57,000 | $735,000 |
| Refinancing | 176 | $20,220,000 | $114,000 | $994,000 | $70,000 | $547,000 |
| Home Improvement | 50 | $2,488,000 | $49,000 | $819,000 | $49,000 | $169,000 |
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 | 364 | $29,310,000 | $80,000 | $881,000 | $72,000 | $735,000 |
| Not applicable | 69 | $8,805,000 | $127,000 | $994,000 | $0 | $0 |
| Black or African American | 5 | $482,000 | $96,000 | $144,000 | $187,000 | $288,000 |
| Hispanic | 3 | $413,000 | $137,000 | $150,000 | $63,000 | $86,000 |
| Not Provided | 3 | $153,000 | $51,000 | $96,000 | $25,000 | $45,000 |
| American Indian or Alaskan Native | 2 | $132,000 | $66,000 | $129,000 | $48,000 | $53,000 |
| Asian | 1 | $56,000 | $56,000 | $56,000 | $47,000 | $47,000 |
| 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) | 437 | $36,571,000 | $83,000 | $994,000 | $61,000 | $735,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $2,486,000 | $414,000 | $830,000 | $112,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 2 | $158,000 | $79,000 | $90,000 | $38,000 | $40,000 |
| FHA-insured (Federal Housing Administration) | 2 | $136,000 | $68,000 | $121,000 | $25,000 | $30,000 |
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 | 348 | $30,632,000 | $88,000 | $994,000 | $62,000 | $735,000 |
| Application Denied By Financial Institution | 51 | $2,378,000 | $46,000 | $165,000 | $31,000 | $145,000 |
| Application Withdrawn By Applicant | 30 | $3,085,000 | $102,000 | $435,000 | $91,000 | $358,000 |
| Preapproval Denied by Financial Institution | 9 | $752,000 | $83,000 | $150,000 | $58,000 | $187,000 |
| Application Approved But Not Accepted | 5 | $2,144,000 | $428,000 | $830,000 | $139,000 | $169,000 |
| Preapproval Approved but not Accepted | 3 | $315,000 | $105,000 | $128,000 | $49,000 | $78,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Missouri Bank's 2013 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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