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Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 172 | $ 41,610,000 | $ 241,918 | $ 157,000 |
| Outside any metro area | 147 | $ 23,995,000 | $ 163,231 | $ 94,761 |
| Joplin, MO | 33 | $ 7,905,000 | $ 239,545 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 980,000 | $ 245,000 | $ 114,000 |
| Kansas City, MO-KS | 2 | $ 540,000 | $ 270,000 | $ 61,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 565,000 | $ 565,000 | $ 182,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 635,000 | $ 635,000 | $ 232,000 |
| Lawrence, KS | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Mobile, AL | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 375,000 | $ 375,000 | $ 110,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 115,000 | $ 115,000 | $ 251,000 |
| St. Louis, MO-IL | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
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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