Mid-Missouri Bank Mortgage Lending & HMDA Data, 2022
In 2022, Mid-Missouri Bank of Springfield, MO reported 516 mortgage applications totaling $103.9 million, up 31% from 2021. The average application was for $201,298, and applicants reported an average income of $114,912. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Springfield, MO (243), Joplin, MO (43) and Kansas City, MO-KS (7) (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 | 516 |
| Total Mortgage Loan Application Amount | $103,870,000 |
| Average Mortgage Loan Application Amount | $201,298 |
| Highest Mortgage Loan Application Amount | $1,195,000 |
| Average Applicant Income | $114,912 |
| Highest Applicant Income | $2,063,000 |
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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 132 | $ 32,050,000 | $ 242,803 | $ 122,000 |
| Cedar, Missouri | 50 | $ 5,660,000 | $ 113,200 | $ 73,000 |
| Christian, Missouri | 49 | $ 13,495,000 | $ 275,408 | $ 113,000 |
| Lawrence, Missouri | 48 | $ 8,900,000 | $ 185,416 | $ 102,000 |
| Polk, Missouri | 46 | $ 6,040,000 | $ 131,304 | $ 93,000 |
| Laclede, Missouri | 36 | $ 5,860,000 | $ 162,777 | $ 101,000 |
| Jasper, Missouri | 35 | $ 6,725,000 | $ 192,142 | $ 128,000 |
| Stone, Missouri | 19 | $ 6,245,000 | $ 328,684 | $ 297,000 |
| Webster, Missouri | 11 | $ 2,015,000 | $ 183,181 | $ 84,000 |
| Vernon, Missouri | 10 | $ 1,090,000 | $ 109,000 | $ 79,000 |
| St. Clair, Missouri | 9 | $ 1,305,000 | $ 145,000 | $ 50,000 |
| Newton, Missouri | 8 | $ 1,390,000 | $ 173,750 | $ 128,000 |
| Camden, Missouri | 7 | $ 1,685,000 | $ 240,714 | $ 150,000 |
| Dade, Missouri | 7 | $ 1,275,000 | $ 182,142 | $ 72,000 |
| Taney, Missouri | 7 | $ 1,345,000 | $ 192,142 | $ 167,000 |
| Dallas, Missouri | 5 | $ 1,195,000 | $ 239,000 | $ 104,000 |
| Hickory, Missouri | 4 | $ 580,000 | $ 145,000 | $ 131,000 |
| Barry, Missouri | 3 | $ 585,000 | $ 195,000 | $ 195,000 |
| Wright, Missouri | 3 | $ 115,000 | $ 38,333 | $ 0 |
| Dent, Missouri | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Douglas, Missouri | 2 | $ 360,000 | $ 180,000 | $ 107,000 |
| Jackson, Missouri | 2 | $ 400,000 | $ 200,000 | $ 62,000 |
| McDonald, Missouri | 2 | $ 580,000 | $ 290,000 | $ 139,000 |
| Benton, Arkansas | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Jefferson, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Okaloosa, Florida | 1 | $ 755,000 | $ 755,000 | $ 158,000 |
| Bourbon, Kansas | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Crawford, Kansas | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Jefferson, Kansas | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Bates, Missouri | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| Boone, Missouri | 1 | $ 285,000 | $ 285,000 | $ 73,000 |
| Cass, Missouri | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Clay, Missouri | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| Howell, Missouri | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Lafayette, Missouri | 1 | $ 295,000 | $ 295,000 | $ 118,000 |
| Miller, Missouri | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Oregon, Missouri | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Platte, Missouri | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Pulaski, Missouri | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Ste. Genevieve, Missouri | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Texas, Missouri | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Delaware, Oklahoma | 1 | $ 365,000 | $ 365,000 | $ 604,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2022
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 | 315 | $68,505,000 | $217,000 | $1,195,000 | $120,000 | $2,063,000 |
| Refinancing | 168 | $33,000,000 | $196,000 | $725,000 | $105,000 | $1,912,000 |
| Home Improvement | 32 | $2,080,000 | $65,000 | $175,000 | $117,000 | $366,000 |
| Cash-out Refinancing | 1 | $285,000 | $285,000 | $285,000 | $111,000 | $111,000 |
| 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 | 415 | $84,155,000 | $202,000 | $1,195,000 | $113,000 | $2,063,000 |
| Not applicable | 82 | $15,120,000 | $184,000 | $905,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,965,000 | $280,000 | $685,000 | $216,000 | $389,000 |
| Hispanic | 5 | $1,155,000 | $231,000 | $395,000 | $112,000 | $183,000 |
| Asian | 4 | $980,000 | $245,000 | $455,000 | $91,000 | $162,000 |
| Not Provided | 2 | $420,000 | $210,000 | $295,000 | $101,000 | $150,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 510 | $102,450,000 | $200,000 | $1,195,000 | $115,000 | $2,063,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,040,000 | $260,000 | $325,000 | $77,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $380,000 | $190,000 | $215,000 | $55,000 | $67,000 |
| FHA-insured (Federal Housing 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 | 447 | $88,215,000 | $197,000 | $1,195,000 | $117,000 | $2,063,000 |
| Application Withdrawn By Applicant | 52 | $13,230,000 | $254,000 | $725,000 | $109,000 | $310,000 |
| Application Denied By Financial Institution | 15 | $2,095,000 | $139,000 | $365,000 | $62,000 | $176,000 |
| Application Approved But Not Accepted | 2 | $330,000 | $165,000 | $275,000 | $0 | $0 |
| 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 | 516 | $103,870,000 | $201,000 | $1,195,000 | $114,000 | $2,063,000 |
| 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 2022 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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