Mid-Missouri Bank Mortgage Lending & HMDA Data, 2023
In 2023, Mid-Missouri Bank of Springfield, MO reported 365 mortgage applications totaling $77.1 million, down 29% from 2022. The average application was for $211,273, and applicants reported an average income of $123,893. 84% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Springfield, MO (172), Joplin, MO (33) and Fayetteville-Springdale-Rogers, AR-MO (4) (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 | 365 |
| Total Mortgage Loan Application Amount | $77,115,000 |
| Average Mortgage Loan Application Amount | $211,273 |
| Highest Mortgage Loan Application Amount | $1,895,000 |
| Average Applicant Income | $123,893 |
| Highest Applicant Income | $3,179,000 |
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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 89 | $ 22,865,000 | $ 256,910 | $ 187,000 |
| Lawrence, Missouri | 43 | $ 6,315,000 | $ 146,860 | $ 83,000 |
| Christian, Missouri | 41 | $ 10,095,000 | $ 246,219 | $ 161,000 |
| Polk, Missouri | 35 | $ 7,015,000 | $ 200,428 | $ 94,000 |
| Cedar, Missouri | 31 | $ 3,505,000 | $ 113,064 | $ 69,000 |
| Jasper, Missouri | 28 | $ 6,790,000 | $ 242,500 | $ 122,000 |
| Laclede, Missouri | 28 | $ 4,310,000 | $ 153,928 | $ 92,000 |
| Stone, Missouri | 10 | $ 3,680,000 | $ 368,000 | $ 171,000 |
| Hickory, Missouri | 6 | $ 1,050,000 | $ 175,000 | $ 158,000 |
| Newton, Missouri | 5 | $ 1,115,000 | $ 223,000 | $ 107,000 |
| Camden, Missouri | 4 | $ 1,070,000 | $ 267,500 | $ 182,000 |
| Taney, Missouri | 4 | $ 920,000 | $ 230,000 | $ 125,000 |
| Vernon, Missouri | 4 | $ 200,000 | $ 50,000 | $ 102,000 |
| Webster, Missouri | 4 | $ 1,070,000 | $ 267,500 | $ 161,000 |
| Benton, Arkansas | 3 | $ 725,000 | $ 241,666 | $ 116,000 |
| Dallas, Missouri | 3 | $ 565,000 | $ 188,333 | $ 68,000 |
| St. Clair, Missouri | 3 | $ 215,000 | $ 71,666 | $ 68,000 |
| Cherokee, Kansas | 2 | $ 120,000 | $ 60,000 | $ 131,000 |
| Dade, Missouri | 2 | $ 280,000 | $ 140,000 | $ 73,000 |
| Mobile, Alabama | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Maricopa, Arizona | 1 | $ 115,000 | $ 115,000 | $ 251,000 |
| Washington, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| Jefferson, Colorado | 1 | $ 635,000 | $ 635,000 | $ 232,000 |
| Forsyth, Georgia | 1 | $ 565,000 | $ 565,000 | $ 182,000 |
| Douglas, Kansas | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Barry, Missouri | 1 | $ 225,000 | $ 225,000 | $ 144,000 |
| Benton, Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Clay, Missouri | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Howell, Missouri | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Jackson, Missouri | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| New Madrid, Missouri | 1 | $ 145,000 | $ 145,000 | $ 129,000 |
| Ozark, Missouri | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Pettis, Missouri | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Pulaski, Missouri | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| St. Louis City, Missouri | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Texas, Missouri | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Wright, Missouri | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Nemaha, Nebraska | 1 | $ 95,000 | $ 95,000 | $ 132,000 |
| Cheatham, Tennessee | 1 | $ 375,000 | $ 375,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2023
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 | $52,950,000 | $224,000 | $1,895,000 | $124,000 | $1,459,000 |
| Refinancing | 104 | $21,200,000 | $203,000 | $1,865,000 | $133,000 | $3,179,000 |
| Home Improvement | 25 | $2,965,000 | $118,000 | $905,000 | $85,000 | $313,000 |
| 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 | 275 | $54,955,000 | $199,000 | $1,865,000 | $118,000 | $3,179,000 |
| Not applicable | 72 | $18,420,000 | $255,000 | $1,895,000 | $0 | $0 |
| Hispanic | 6 | $1,330,000 | $221,000 | $505,000 | $128,000 | $251,000 |
| Asian | 5 | $845,000 | $169,000 | $345,000 | $96,000 | $167,000 |
| American Indian or Alaskan Native | 4 | $1,030,000 | $257,000 | $335,000 | $609,000 | $1,459,000 |
| Not Provided | 1 | $445,000 | $445,000 | $445,000 | $184,000 | $184,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $166,000 | $166,000 |
| 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) | 348 | $74,040,000 | $212,000 | $1,895,000 | $128,000 | $3,179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,435,000 | $162,000 | $245,000 | $66,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 2 | $640,000 | $320,000 | $435,000 | $85,000 | $107,000 |
| 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 | 308 | $67,340,000 | $218,000 | $1,895,000 | $135,000 | $3,179,000 |
| Application Withdrawn By Applicant | 29 | $5,845,000 | $201,000 | $445,000 | $109,000 | $539,000 |
| Application Denied By Financial Institution | 21 | $3,075,000 | $146,000 | $675,000 | $45,000 | $114,000 |
| Application Approved But Not Accepted | 7 | $855,000 | $122,000 | $345,000 | $51,000 | $74,000 |
| 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 | 365 | $77,115,000 | $211,000 | $1,895,000 | $124,000 | $3,179,000 |
| 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 2023 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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