Mid-Missouri Bank Mortgage Lending & HMDA Data, 2021
In 2021, Mid-Missouri Bank of Springfield, MO reported 393 mortgage applications totaling $61.2 million, down 3% from 2020. The average application was for $155,788, and applicants reported an average income of $102,949. 74% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Springfield, MO (161), Joplin, MO (43) and Fayetteville-Springdale-Rogers, AR-MO (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 | 393 |
| Total Mortgage Loan Application Amount | $61,225,000 |
| Average Mortgage Loan Application Amount | $155,788 |
| Highest Mortgage Loan Application Amount | $1,975,000 |
| Average Applicant Income | $102,949 |
| Highest Applicant Income | $714,000 |
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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 94 | $ 18,640,000 | $ 198,297 | $ 121,000 |
| Lawrence, Missouri | 53 | $ 5,395,000 | $ 101,792 | $ 71,000 |
| Cedar, Missouri | 36 | $ 3,100,000 | $ 86,111 | $ 81,000 |
| Jasper, Missouri | 35 | $ 6,555,000 | $ 187,285 | $ 168,000 |
| Laclede, Missouri | 34 | $ 3,110,000 | $ 91,470 | $ 70,000 |
| Christian, Missouri | 31 | $ 6,025,000 | $ 194,354 | $ 106,000 |
| Polk, Missouri | 31 | $ 4,405,000 | $ 142,096 | $ 59,000 |
| Stone, Missouri | 13 | $ 3,475,000 | $ 267,307 | $ 252,000 |
| Taney, Missouri | 9 | $ 1,905,000 | $ 211,666 | $ 211,000 |
| Newton, Missouri | 8 | $ 1,190,000 | $ 148,750 | $ 141,000 |
| St. Clair, Missouri | 5 | $ 545,000 | $ 109,000 | $ 47,000 |
| Vernon, Missouri | 5 | $ 625,000 | $ 125,000 | $ 106,000 |
| Crawford, Kansas | 4 | $ 530,000 | $ 132,500 | $ 237,000 |
| Dallas, Missouri | 4 | $ 450,000 | $ 112,500 | $ 101,000 |
| Cherokee, Kansas | 3 | $ 275,000 | $ 91,666 | $ 83,000 |
| Benton, Arkansas | 2 | $ 350,000 | $ 175,000 | $ 127,000 |
| Barry, Missouri | 2 | $ 70,000 | $ 35,000 | $ 67,000 |
| Camden, Missouri | 2 | $ 70,000 | $ 35,000 | $ 85,000 |
| Dade, Missouri | 2 | $ 350,000 | $ 175,000 | $ 113,000 |
| Henry, Missouri | 2 | $ 140,000 | $ 70,000 | $ 24,000 |
| Howell, Missouri | 2 | $ 360,000 | $ 180,000 | $ 149,000 |
| Wright, Missouri | 2 | $ 230,000 | $ 115,000 | $ 34,000 |
| Marion, Arkansas | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 465,000 | $ 465,000 | $ 93,000 |
| Okaloosa, Florida | 1 | $ 445,000 | $ 445,000 | $ 123,000 |
| Floyd, Georgia | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Douglas, Missouri | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Hickory, Missouri | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Jackson, Missouri | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| Johnson, Missouri | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| McDonald, Missouri | 1 | $ 115,000 | $ 115,000 | $ 102,000 |
| Ozark, Missouri | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Platte, Missouri | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| Webster, Missouri | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Delaware, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 74,000 |
| Crook, Oregon | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2021
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 | 236 | $39,680,000 | $168,000 | $1,975,000 | $112,000 | $714,000 |
| Refinancing | 137 | $20,425,000 | $149,000 | $685,000 | $91,000 | $558,000 |
| Home Improvement | 20 | $1,120,000 | $56,000 | $145,000 | $78,000 | $189,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 291 | $40,495,000 | $139,000 | $855,000 | $96,000 | $560,000 |
| Not applicable | 87 | $17,595,000 | $202,000 | $1,975,000 | $0 | $0 |
| Hispanic | 4 | $900,000 | $225,000 | $365,000 | $144,000 | $293,000 |
| American Indian or Alaskan Native | 2 | $400,000 | $200,000 | $295,000 | $146,000 | $235,000 |
| Asian | 2 | $790,000 | $395,000 | $465,000 | $70,000 | $93,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 381 | $59,055,000 | $155,000 | $1,975,000 | $105,000 | $714,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,330,000 | $221,000 | $355,000 | $48,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $635,000 | $127,000 | $155,000 | $37,000 | $46,000 |
| FHA-insured (Federal Housing Administration) | 1 | $205,000 | $205,000 | $205,000 | $53,000 | $53,000 |
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 | 291 | $44,145,000 | $151,000 | $1,975,000 | $116,000 | $714,000 |
| Application Withdrawn By Applicant | 65 | $11,855,000 | $182,000 | $525,000 | $76,000 | $560,000 |
| Application Denied By Financial Institution | 26 | $3,630,000 | $139,000 | $505,000 | $62,000 | $201,000 |
| Application Approved But Not Accepted | 11 | $1,595,000 | $145,000 | $385,000 | $113,000 | $373,000 |
| 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 | 393 | $61,225,000 | $155,000 | $1,975,000 | $103,000 | $714,000 |
| 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 2021 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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