Mid-Missouri Mortgage Company Mortgage Lending & HMDA Data, 2007
In 2007, Mid-Missouri Mortgage Company of Springfield, MO reported 506 mortgage applications totaling $58.4 million, down 44% from 2006. The average application was for $115,351, and applicants reported an average income of $58,768. 85% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Springfield, MO (242), Joplin, MO (62) and Columbia, MO (5) (applications in parentheses).
| Mortgage Company & Address | Mid-Missouri Mortgage Company 1619 E. Independence, Po Box 14740 Springfield, MO 65804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 506 |
| Total Mortgage Loan Application Amount | $58,368,000 |
| Average Mortgage Loan Application Amount | $115,351 |
| Highest Mortgage Loan Application Amount | $534,000 |
| Average Applicant Income | $58,768 |
| Highest Applicant Income | $792,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Missouri Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 129 | $ 14,383,000 | $ 111,496 | $ 48,000 |
| Polk, Missouri | 52 | $ 5,528,000 | $ 106,307 | $ 64,000 |
| Jasper, Missouri | 50 | $ 5,563,000 | $ 111,260 | $ 65,000 |
| Christian, Missouri | 41 | $ 5,575,000 | $ 135,975 | $ 66,000 |
| Laclede, Missouri | 39 | $ 4,221,000 | $ 108,230 | $ 56,000 |
| Pulaski, Missouri | 26 | $ 2,671,000 | $ 102,730 | $ 48,000 |
| Cedar, Missouri | 25 | $ 2,291,000 | $ 91,640 | $ 53,000 |
| Phelps, Missouri | 25 | $ 2,820,000 | $ 112,800 | $ 57,000 |
| Lawrence, Missouri | 22 | $ 2,652,000 | $ 120,545 | $ 54,000 |
| Newton, Missouri | 12 | $ 1,925,000 | $ 160,416 | $ 65,000 |
| Webster, Missouri | 12 | $ 1,507,000 | $ 125,583 | $ 49,000 |
| Stone, Missouri | 9 | $ 1,336,000 | $ 148,444 | $ 75,000 |
| Dallas, Missouri | 8 | $ 847,000 | $ 105,875 | $ 41,000 |
| Dade, Missouri | 6 | $ 697,000 | $ 116,166 | $ 43,000 |
| Boone, Missouri | 5 | $ 537,000 | $ 107,400 | $ 70,000 |
| Hickory, Missouri | 5 | $ 443,000 | $ 88,600 | $ 56,000 |
| St. Clair, Missouri | 4 | $ 442,000 | $ 110,500 | $ 55,000 |
| Barry, Missouri | 3 | $ 286,000 | $ 95,333 | $ 53,000 |
| Camden, Missouri | 3 | $ 470,000 | $ 156,666 | $ 79,000 |
| Jackson, Missouri | 3 | $ 882,000 | $ 294,000 | $ 301,000 |
| Texas, Missouri | 3 | $ 255,000 | $ 85,000 | $ 43,000 |
| Vernon, Missouri | 3 | $ 222,000 | $ 74,000 | $ 44,000 |
| Johnson, Kansas | 2 | $ 410,000 | $ 205,000 | $ 93,000 |
| Audrain, Missouri | 2 | $ 115,000 | $ 57,500 | $ 46,000 |
| Howell, Missouri | 2 | $ 478,000 | $ 239,000 | $ 96,000 |
| Shannon, Missouri | 2 | $ 80,000 | $ 40,000 | $ 35,000 |
| Wright, Missouri | 2 | $ 622,000 | $ 311,000 | $ 93,000 |
| Washington, Arkansas | 1 | $ 106,000 | $ 106,000 | $ 445,000 |
| Cherokee, Kansas | 1 | $ 120,000 | $ 120,000 | $ 78,000 |
| Cooper, Missouri | 1 | $ 59,000 | $ 59,000 | $ 97,000 |
| Dent, Missouri | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Franklin, Missouri | 1 | $ 130,000 | $ 130,000 | $ 108,000 |
| Maries, Missouri | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Morgan, Missouri | 1 | $ 163,000 | $ 163,000 | $ 100,000 |
| St. Louis, Missouri | 1 | $ 50,000 | $ 50,000 | $ 115,000 |
| St. Louis City, Missouri | 1 | $ 142,000 | $ 142,000 | $ 26,000 |
| Taney, Missouri | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Mortgage Company 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 | 318 | $36,295,000 | $114,000 | $489,000 | $54,000 | $252,000 |
| Refinancing | 187 | $22,019,000 | $117,000 | $534,000 | $67,000 | $792,000 |
| Home Improvement | 1 | $54,000 | $54,000 | $54,000 | $36,000 | $36,000 |
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 | 486 | $56,087,000 | $115,000 | $534,000 | $59,000 | $792,000 |
| Hispanic | 8 | $1,026,000 | $128,000 | $220,000 | $59,000 | $92,000 |
| Black or African American | 6 | $600,000 | $100,000 | $146,000 | $60,000 | $115,000 |
| American Indian or Alaskan Native | 3 | $356,000 | $118,000 | $150,000 | $49,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $237,000 | $118,000 | $160,000 | $47,000 | $62,000 |
| Asian | 1 | $62,000 | $62,000 | $62,000 | $23,000 | $23,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 345 | $42,221,000 | $122,000 | $534,000 | $65,000 | $792,000 |
| FHA-insured (Federal Housing Administration) | 120 | $11,603,000 | $96,000 | $205,000 | $43,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 22 | $2,999,000 | $136,000 | $278,000 | $65,000 | $223,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,545,000 | $81,000 | $140,000 | $36,000 | $58,000 |
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 | 431 | $49,746,000 | $115,000 | $534,000 | $58,000 | $792,000 |
| Application Withdrawn By Applicant | 41 | $4,857,000 | $118,000 | $382,000 | $54,000 | $180,000 |
| Application Approved But Not Accepted | 19 | $2,038,000 | $107,000 | $360,000 | $85,000 | $476,000 |
| Application Denied By Financial Institution | 15 | $1,727,000 | $115,000 | $272,000 | $52,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Missouri Mortgage Company'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 Mortgage Company'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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