Mid-Missouri Bank Mortgage Lending & HMDA Data, 2007
In 2007, Mid-Missouri Bank of Springfield, MO reported 631 mortgage applications totaling $57.8 million, down 19% from 2006. The average application was for $91,538, and applicants reported an average income of $52,673. 70% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Springfield, MO (164), Joplin, MO (106) 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 | 631 |
| Total Mortgage Loan Application Amount | $57,761,000 |
| Average Mortgage Loan Application Amount | $91,538 |
| Highest Mortgage Loan Application Amount | $2,550,000 |
| Average Applicant Income | $52,673 |
| Highest Applicant Income | $815,000 |
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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, MO | 164 | $ 24,508,000 | $ 149,439 | $ 59,000 |
| Joplin, MO | 106 | $ 8,627,000 | $ 81,386 | $ 60,000 |
| Kansas City, MO-KS | 7 | $ 858,000 | $ 122,571 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 106,000 | $ 106,000 | $ 476,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2007
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 | 308 | $30,816,000 | $100,000 | $2,550,000 | $51,000 | $432,000 |
| Refinancing | 241 | $24,318,000 | $100,000 | $772,000 | $53,000 | $545,000 |
| Home Improvement | 82 | $2,627,000 | $32,000 | $302,000 | $58,000 | $815,000 |
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 | 553 | $41,565,000 | $75,000 | $530,000 | $58,000 | $815,000 |
| Not applicable | 64 | $14,497,000 | $226,000 | $2,550,000 | $8,000 | $450,000 |
| Hispanic | 6 | $1,024,000 | $170,000 | $550,000 | $41,000 | $120,000 |
| American Indian or Alaskan Native | 5 | $501,000 | $100,000 | $174,000 | $44,000 | $79,000 |
| Asian | 1 | $22,000 | $22,000 | $22,000 | $24,000 | $24,000 |
| Black or African American | 1 | $110,000 | $110,000 | $110,000 | $21,000 | $21,000 |
| Not Provided | 1 | $42,000 | $42,000 | $42,000 | $59,000 | $59,000 |
| 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) | 625 | $57,286,000 | $91,000 | $2,550,000 | $53,000 | $815,000 |
| FHA-insured (Federal Housing Administration) | 3 | $295,000 | $98,000 | $120,000 | $38,000 | $48,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $66,000 | $33,000 | $40,000 | $21,000 | $24,000 |
| VA-guaranteed (Veterans Administration) | 1 | $114,000 | $114,000 | $114,000 | $84,000 | $84,000 |
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 | 442 | $41,811,000 | $94,000 | $2,550,000 | $56,000 | $815,000 |
| Application Denied By Financial Institution | 122 | $7,380,000 | $60,000 | $285,000 | $39,000 | $128,000 |
| Application Withdrawn By Applicant | 52 | $5,020,000 | $96,000 | $408,000 | $53,000 | $180,000 |
| Loan Purchased By The Institution | 11 | $3,150,000 | $286,000 | $635,000 | $49,000 | $545,000 |
| Application Approved But Not Accepted | 3 | $286,000 | $95,000 | $113,000 | $45,000 | $60,000 |
| Preapproval Denied by Financial Institution | 1 | $114,000 | $114,000 | $114,000 | $47,000 | $47,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $85,000 | $85,000 | $85,000 | $42,000 | $42,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Missouri Bank's 2007 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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