Mid-Missouri Bank Mortgage Lending & HMDA Data, 2024
In 2024, Mid-Missouri Bank of Springfield, MO reported 405 mortgage applications totaling $98.1 million, up 11% from 2023. The average application was for $242,209, and applicants reported an average income of $109,703. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Springfield, MO (198), Joplin, MO (43) and Kansas City, MO-KS (6) (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 | 405 |
| Total Mortgage Loan Application Amount | $98,095,000 |
| Average Mortgage Loan Application Amount | $242,209 |
| Highest Mortgage Loan Application Amount | $4,685,000 |
| Average Applicant Income | $109,703 |
| Highest Applicant Income | $809,000 |
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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 118 | $ 36,800,000 | $ 311,864 | $ 121,000 |
| Lawrence, Missouri | 48 | $ 7,430,000 | $ 154,791 | $ 105,000 |
| Cedar, Missouri | 38 | $ 4,830,000 | $ 127,105 | $ 88,000 |
| Christian, Missouri | 35 | $ 8,995,000 | $ 257,000 | $ 108,000 |
| Jasper, Missouri | 31 | $ 5,675,000 | $ 183,064 | $ 103,000 |
| Polk, Missouri | 29 | $ 3,865,000 | $ 133,275 | $ 81,000 |
| Laclede, Missouri | 19 | $ 5,845,000 | $ 307,631 | $ 110,000 |
| Webster, Missouri | 12 | $ 2,560,000 | $ 213,333 | $ 102,000 |
| Dade, Missouri | 10 | $ 1,410,000 | $ 141,000 | $ 85,000 |
| Newton, Missouri | 10 | $ 3,020,000 | $ 302,000 | $ 233,000 |
| Stone, Missouri | 8 | $ 2,940,000 | $ 367,500 | $ 212,000 |
| Barry, Missouri | 4 | $ 760,000 | $ 190,000 | $ 98,000 |
| Dallas, Missouri | 4 | $ 990,000 | $ 247,500 | $ 90,000 |
| Hickory, Missouri | 4 | $ 600,000 | $ 150,000 | $ 54,000 |
| St. Clair, Missouri | 4 | $ 410,000 | $ 102,500 | $ 85,000 |
| Pulaski, Missouri | 3 | $ 515,000 | $ 171,666 | $ 87,000 |
| Vernon, Missouri | 3 | $ 645,000 | $ 215,000 | $ 109,000 |
| Marion, Arkansas | 2 | $ 330,000 | $ 165,000 | $ 67,000 |
| Cherokee, Kansas | 2 | $ 220,000 | $ 110,000 | $ 55,000 |
| Clay, Missouri | 2 | $ 760,000 | $ 380,000 | $ 150,000 |
| Douglas, Missouri | 2 | $ 470,000 | $ 235,000 | $ 148,000 |
| Jackson, Missouri | 2 | $ 250,000 | $ 125,000 | $ 78,000 |
| Arkansas, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Prairie, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Lee, Florida | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| McLean, Illinois | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Johnson, Kansas | 1 | $ 745,000 | $ 745,000 | $ 247,000 |
| Buchanan, Missouri | 1 | $ 4,405,000 | $ 4,405,000 | $ 0 |
| Camden, Missouri | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Clinton, Missouri | 1 | $ 325,000 | $ 325,000 | $ 118,000 |
| Gasconade, Missouri | 1 | $ 305,000 | $ 305,000 | $ 124,000 |
| Henry, Missouri | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Ozark, Missouri | 1 | $ 85,000 | $ 85,000 | $ 93,000 |
| Taney, Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Texas, Missouri | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Wright, Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Ottawa, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2024
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 | 263 | $73,685,000 | $280,000 | $4,685,000 | $110,000 | $809,000 |
| Refinancing | 124 | $22,420,000 | $180,000 | $1,565,000 | $107,000 | $651,000 |
| Home Improvement | 18 | $1,990,000 | $110,000 | $345,000 | $124,000 | $282,000 |
| 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 | 328 | $70,290,000 | $214,000 | $4,635,000 | $109,000 | $809,000 |
| Not applicable | 66 | $25,660,000 | $388,000 | $4,685,000 | $0 | $0 |
| Hispanic | 5 | $1,165,000 | $233,000 | $395,000 | $168,000 | $247,000 |
| Asian | 3 | $295,000 | $98,000 | $115,000 | $66,000 | $71,000 |
| Black or African American | 3 | $685,000 | $228,000 | $385,000 | $60,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 390 | $95,490,000 | $244,000 | $4,685,000 | $111,000 | $809,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,970,000 | $164,000 | $225,000 | $74,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 2 | $460,000 | $230,000 | $265,000 | $84,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 1 | $175,000 | $175,000 | $175,000 | $74,000 | $74,000 |
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 | 343 | $82,675,000 | $241,000 | $4,685,000 | $110,000 | $809,000 |
| Application Withdrawn By Applicant | 41 | $11,235,000 | $274,000 | $1,285,000 | $120,000 | $651,000 |
| Application Denied By Financial Institution | 17 | $3,805,000 | $223,000 | $1,705,000 | $79,000 | $197,000 |
| Application Approved But Not Accepted | 4 | $380,000 | $95,000 | $125,000 | $87,000 | $149,000 |
| 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 | 405 | $98,095,000 | $242,000 | $4,685,000 | $110,000 | $809,000 |
| 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 2024 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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