Shelter Financial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

Shelter Financial Bank 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Shelter Financial Bank
1817 W. Broadway
Columbia, MO 65218
Tel #: available with data download
Federal Regulator * available with data download
Years 2012  2011  
Total Number of Mortgage Applications 288
Total Mortgage Loan Application Amount $25,355,000
Average Mortgage Loan Application Amount $73,000
Highest Mortgage Loan Application Amount $325,000
Average Applicant Income $72,666
Highest Applicant Income $386,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Shelter Financial Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Shelter Financial Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2012 breaks down Shelter Financial Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Shelter Financial Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Shelter Financial Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Shelter Financial Bank's mortgage activity for 2012.

Mortgage Loan Application Totals for Shelter Financial Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Boone County Missouri 14 $ 1,644,000 $ 117,000 $ 94,000
Ashley County Arkansas 5 $ 479,000 $ 95,000 $ 77,000
Rankin County Mississippi 5 $ 741,000 $ 148,000 $ 77,000
Comanche County Oklahoma 5 $ 362,000 $ 72,000 $ 53,000
Oklahoma County Oklahoma 5 $ 431,000 $ 86,000 $ 96,000
Faulkner County Arkansas 4 $ 389,000 $ 97,000 $ 71,000
Pulaski County Arkansas 4 $ 214,000 $ 53,000 $ 53,000
Finney County Kansas 4 $ 182,000 $ 45,000 $ 58,000
Calcasieu County Louisiana 4 $ 335,000 $ 83,000 $ 130,000
Cleveland County Oklahoma 4 $ 507,000 $ 126,000 $ 111,000
Davidson County Tennessee 4 $ 264,000 $ 66,000 $ 74,000
Bradley County Arkansas 3 $ 300,000 $ 100,000 $ 81,000
Clark County Arkansas 3 $ 265,000 $ 88,000 $ 71,000
Greene County Arkansas 3 $ 190,000 $ 63,000 $ 57,000
Sebastian County Arkansas 3 $ 282,000 $ 94,000 $ 63,000
Washington County Arkansas 3 $ 536,000 $ 178,000 $ 94,000
Madison County Illinois 3 $ 270,000 $ 90,000 $ 88,000
Ford County Kansas 3 $ 244,000 $ 81,000 $ 32,000
Sedgwick County Kansas 3 $ 73,000 $ 24,000 $ 152,000
Ascension County Louisiana 3 $ 390,000 $ 130,000 $ 86,000
Ouachita County Louisiana 3 $ 239,000 $ 79,000 $ 98,000
Barry County Missouri 3 $ 215,000 $ 71,000 $ 39,000
Cass County Missouri 3 $ 388,000 $ 129,000 $ 81,000
Dunklin County Missouri 3 $ 500,000 $ 166,000 $ 127,000
Jackson County Missouri 3 $ 149,000 $ 49,000 $ 40,000
Jefferson County Missouri 3 $ 292,000 $ 97,000 $ 82,000
Newton County Missouri 3 $ 272,000 $ 90,000 $ 49,000
Pettis County Missouri 3 $ 196,000 $ 65,000 $ 100,000
St. Charles County Missouri 3 $ 334,000 $ 111,000 $ 79,000
McNairy County Tennessee 3 $ 130,000 $ 43,000 $ 44,000
Putnam County Tennessee 3 $ 220,000 $ 73,000 $ 60,000
Shelby County Tennessee 3 $ 170,000 $ 56,000 $ 125,000
Nevada County Arkansas 2 $ 78,000 $ 39,000 $ 44,000
Pike County Arkansas 2 $ 150,000 $ 75,000 $ 103,000
Saline County Arkansas 2 $ 470,000 $ 235,000 $ 117,000
Sharp County Arkansas 2 $ 252,000 $ 126,000 $ 84,000
Union County Arkansas 2 $ 227,000 $ 113,000 $ 99,000
Franklin County Illinois 2 $ 93,000 $ 46,000 $ 51,000
Riley County Kansas 2 $ 308,000 $ 154,000 $ 102,000
Lafayette County Louisiana 2 $ 188,000 $ 94,000 $ 82,000
DeSoto County Mississippi 2 $ 60,000 $ 30,000 $ 95,000
Hinds County Mississippi 2 $ 117,000 $ 58,000 $ 63,000
Lowndes County Mississippi 2 $ 125,000 $ 62,000 $ 51,000
Monroe County Mississippi 2 $ 92,000 $ 46,000 $ 53,000
Buchanan County Missouri 2 $ 126,000 $ 63,000 $ 51,000
Franklin County Missouri 2 $ 129,000 $ 64,000 $ 50,000
Howell County Missouri 2 $ 159,000 $ 79,000 $ 69,000
Jasper County Missouri 2 $ 183,000 $ 91,000 $ 96,000
Lafayette County Missouri 2 $ 83,000 $ 41,000 $ 15,000
Mercer County Missouri 2 $ 127,000 $ 63,000 $ 46,000
Montgomery County Missouri 2 $ 169,000 $ 84,000 $ 54,000
St. Francois County Missouri 2 $ 126,000 $ 63,000 $ 59,000
Stone County Missouri 2 $ 233,000 $ 116,000 $ 95,000
Madison County Nebraska 2 $ 265,000 $ 132,000 $ 64,000
Sarpy County Nebraska 2 $ 187,000 $ 93,000 $ 75,000
Pottawatomie County Oklahoma 2 $ 99,000 $ 49,000 $ 63,000
Rogers County Oklahoma 2 $ 353,000 $ 176,000 $ 228,000
Sequoyah County Oklahoma 2 $ 70,000 $ 35,000 $ 45,000
Sumner County Tennessee 2 $ 472,000 $ 236,000 $ 54,000
Baxter County Arkansas 1 $ 44,000 $ 44,000 $ 41,000
Craighead County Arkansas 1 $ 54,000 $ 54,000 $ 114,000
Crawford County Arkansas 1 $ 60,000 $ 60,000 $ 77,000
Cross County Arkansas 1 $ 25,000 $ 25,000 $ 52,000
Desha County Arkansas 1 $ 52,000 $ 52,000 $ 51,000
Franklin County Arkansas 1 $ 116,000 $ 116,000 $ 71,000
Garland County Arkansas 1 $ 104,000 $ 104,000 $ 168,000
Hempstead County Arkansas 1 $ 90,000 $ 90,000 $ 34,000
Hot Spring County Arkansas 1 $ 252,000 $ 252,000 $ 110,000
Howard County Arkansas 1 $ 68,000 $ 68,000 $ 146,000
Izard County Arkansas 1 $ 40,000 $ 40,000 $ 72,000
Jefferson County Arkansas 1 $ 30,000 $ 30,000 $ 40,000
Little River County Arkansas 1 $ 191,000 $ 191,000 $ 143,000
Lonoke County Arkansas 1 $ 22,000 $ 22,000 $ 89,000
Mississippi County Arkansas 1 $ 30,000 $ 30,000 $ 45,000
Poinsett County Arkansas 1 $ 30,000 $ 30,000 $ 24,000
Randolph County Arkansas 1 $ 66,000 $ 66,000 $ 73,000
Scott County Arkansas 1 $ 30,000 $ 30,000 $ 41,000
Sevier County Arkansas 1 $ 48,000 $ 48,000 $ 47,000
St. Francis County Arkansas 1 $ 60,000 $ 60,000 $ 74,000
Van Buren County Arkansas 1 $ 135,000 $ 135,000 $ 59,000
Arapahoe County Colorado 1 $ 30,000 $ 30,000 $ 49,000
Boulder County Colorado 1 $ 118,000 $ 118,000 $ 112,000
El Paso County Colorado 1 $ 100,000 $ 100,000 $ 25,000
Champaign County Illinois 1 $ 175,000 $ 175,000 $ 96,000
Henry County Illinois 1 $ 68,000 $ 68,000 $ 54,000
Macon County Illinois 1 $ 66,000 $ 66,000 $ 72,000
Rock Island County Illinois 1 $ 105,000 $ 105,000 $ 124,000
Saline County Illinois 1 $ 38,000 $ 38,000 $ 70,000
Scott County Illinois 1 $ 10,000 $ 10,000 $ 66,000
Bartholomew County Indiana 1 $ 40,000 $ 40,000 $ 14,000
Floyd County Indiana 1 $ 10,000 $ 10,000 $ 52,000
Madison County Indiana 1 $ 91,000 $ 91,000 $ 41,000
Marion County Indiana 1 $ 10,000 $ 10,000 $ 26,000
Monroe County Indiana 1 $ 25,000 $ 25,000 $ 115,000
Vanderburgh County Indiana 1 $ 87,000 $ 87,000 $ 53,000
White County Indiana 1 $ 25,000 $ 25,000 $ 25,000
Appanoose County Iowa 1 $ 40,000 $ 40,000 $ 13,000
Franklin County Iowa 1 $ 88,000 $ 88,000 $ 93,000
Jefferson County Iowa 1 $ 50,000 $ 50,000 $ 46,000
Polk County Iowa 1 $ 48,000 $ 48,000 $ 30,000
Clay County Kansas 1 $ 95,000 $ 95,000 $ 88,000
Cowley County Kansas 1 $ 35,000 $ 35,000 $ 86,000
Johnson County Kansas 1 $ 25,000 $ 25,000 $ 70,000
Marion County Kansas 1 $ 60,000 $ 60,000 $ 134,000
Montgomery County Kansas 1 $ 32,000 $ 32,000 $ 92,000
Osage County Kansas 1 $ 10,000 $ 10,000 $ 25,000
Rawlins County Kansas 1 $ 119,000 $ 119,000 $ 177,000
Wilson County Kansas 1 $ 70,000 $ 70,000 $ 49,000
Green County Kentucky 1 $ 38,000 $ 38,000 $ 26,000
Mason County Kentucky 1 $ 10,000 $ 10,000 $ 49,000
Trimble County Kentucky 1 $ 88,000 $ 88,000 $ 126,000
Bossier County Louisiana 1 $ 141,000 $ 141,000 $ 130,000
Cameron County Louisiana 1 $ 209,000 $ 209,000 $ 183,000
Concordia County Louisiana 1 $ 155,000 $ 155,000 $ 84,000
East Baton Rouge County Louisiana 1 $ 60,000 $ 60,000 $ 73,000
Morehouse County Louisiana 1 $ 180,000 $ 180,000 $ 54,000
St. Helena County Louisiana 1 $ 64,000 $ 64,000 $ 94,000
St. Landry County Louisiana 1 $ 210,000 $ 210,000 $ 105,000
St. Tammany County Louisiana 1 $ 75,000 $ 75,000 $ 366,000
Clay County Mississippi 1 $ 80,000 $ 80,000 $ 318,000
Forrest County Mississippi 1 $ 15,000 $ 15,000 $ 26,000
Jones County Mississippi 1 $ 30,000 $ 30,000 $ 63,000
Lafayette County Mississippi 1 $ 30,000 $ 30,000 $ 31,000
Lee County Mississippi 1 $ 248,000 $ 248,000 $ 98,000
Pontotoc County Mississippi 1 $ 30,000 $ 30,000 $ 39,000
Prentiss County Mississippi 1 $ 65,000 $ 65,000 $ 52,000
Barton County Missouri 1 $ 125,000 $ 125,000 $ 49,000
Camden County Missouri 1 $ 66,000 $ 66,000 $ 129,000
Chariton County Missouri 1 $ 68,000 $ 68,000 $ 33,000
Cole County Missouri 1 $ 56,000 $ 56,000 $ 54,000
Cooper County Missouri 1 $ 35,000 $ 35,000 $ 34,000
Crawford County Missouri 1 $ 57,000 $ 57,000 $ 47,000
Greene County Missouri 1 $ 88,000 $ 88,000 $ 46,000
Harrison County Missouri 1 $ 112,000 $ 112,000 $ 48,000
Johnson County Missouri 1 $ 177,000 $ 177,000 $ 94,000
McDonald County Missouri 1 $ 30,000 $ 30,000 $ 49,000
Mississippi County Missouri 1 $ 48,000 $ 48,000 $ 34,000
Morgan County Missouri 1 $ 163,000 $ 163,000 $ 110,000
Pike County Missouri 1 $ 84,000 $ 84,000 $ 136,000
Randolph County Missouri 1 $ 90,000 $ 90,000 $ 54,000
Taney County Missouri 1 $ 73,000 $ 73,000 $ 69,000
Vernon County Missouri 1 $ 15,000 $ 15,000 $ 26,000
Wayne County Missouri 1 $ 20,000 $ 20,000 $ 25,000
Adams County Nebraska 1 $ 60,000 $ 60,000 $ 84,000
Dodge County Nebraska 1 $ 50,000 $ 50,000 $ 57,000
Jefferson County Nebraska 1 $ 75,000 $ 75,000 $ 36,000
Lancaster County Nebraska 1 $ 69,000 $ 69,000 $ 24,000
Perkins County Nebraska 1 $ 64,000 $ 64,000 $ 44,000
Platte County Nebraska 1 $ 60,000 $ 60,000 $ 66,000
Thayer County Nebraska 1 $ 68,000 $ 68,000 $ 45,000
Atoka County Oklahoma 1 $ 135,000 $ 135,000 $ 68,000
Delaware County Oklahoma 1 $ 320,000 $ 320,000 $ 169,000
Kingfisher County Oklahoma 1 $ 195,000 $ 195,000 $ 130,000
Latimer County Oklahoma 1 $ 117,000 $ 117,000 $ 0
Le Flore County Oklahoma 1 $ 125,000 $ 125,000 $ 62,000
McIntosh County Oklahoma 1 $ 30,000 $ 30,000 $ 35,000
Murray County Oklahoma 1 $ 52,000 $ 52,000 $ 58,000
Muskogee County Oklahoma 1 $ 25,000 $ 25,000 $ 37,000
Pittsburg County Oklahoma 1 $ 54,000 $ 54,000 $ 45,000
Tulsa County Oklahoma 1 $ 53,000 $ 53,000 $ 54,000
Washington County Oklahoma 1 $ 54,000 $ 54,000 $ 87,000
Bedford County Tennessee 1 $ 90,000 $ 90,000 $ 21,000
Bradley County Tennessee 1 $ 65,000 $ 65,000 $ 26,000
Lewis County Tennessee 1 $ 96,000 $ 96,000 $ 24,000
Madison County Tennessee 1 $ 118,000 $ 118,000 $ 94,000
Monroe County Tennessee 1 $ 87,000 $ 87,000 $ 112,000
Robertson County Tennessee 1 $ 49,000 $ 49,000 $ 28,000
Rutherford County Tennessee 1 $ 171,000 $ 171,000 $ 70,000
Sullivan County Tennessee 1 $ 80,000 $ 80,000 $ 78,000
Wayne County Tennessee 1 $ 110,000 $ 110,000 $ 87,000
Wilson County Tennessee 1 $ 262,000 $ 262,000 $ 75,000
Cooke County Texas 1 $ 225,000 $ 225,000 $ 133,000

Mortgage Loan Application Detail Totals for Shelter Financial Bank in 2012

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
Refinancing 213 $20,680,000 $97,000 $325,000 $79,000 $386,000
Home Purchase 40 $3,122,000 $78,000 $270,000 $64,000 $222,000
Home Improvement 35 $1,553,000 $44,000 $115,000 $75,000 $318,000

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 200 $18,594,000 $92,000 $325,000 $79,000 $386,000
Not Provided 66 $5,189,000 $78,000 $320,000 $73,000 $252,000
Black or African American 11 $545,000 $49,000 $100,000 $59,000 $318,000
Hispanic 7 $479,000 $68,000 $195,000 $59,000 $130,000
American Indian or Alaskan Native 2 $365,000 $182,000 $300,000 $87,000 $149,000
Asian 2 $183,000 $91,000 $100,000 $42,000 $60,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 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) 288 $25,355,000 $88,000 $325,000 $76,000 $386,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans 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
Application Denied By Financial Institution 102 $8,693,000 $85,000 $325,000 $60,000 $318,000
Loan Originated 90 $8,337,000 $92,000 $316,000 $88,000 $366,000
Application Withdrawn By Applicant 53 $4,917,000 $92,000 $320,000 $93,000 $386,000
File Closed For Incompleteness 35 $2,720,000 $77,000 $268,000 $73,000 $183,000
Application Approved But Not Accepted 8 $688,000 $86,000 $153,000 $57,000 $110,000
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
Credit History 64 $4,945,000 $77,000 $325,000 $60,000 $318,000
Debt-To-Income Ratio 20 $2,394,000 $119,000 $257,000 $59,000 $126,000
Collateral 10 $714,000 $71,000 $277,000 $52,000 $185,000
Other 6 $562,000 $93,000 $154,000 $79,000 $162,000
Employment History 1 $48,000 $48,000 $48,000 $34,000 $34,000
Insufficient Cash (Downpayment, Closing Cost) 1 $30,000 $30,000 $30,000 $45,000 $45,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Shelter Financial Bank's 2012 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 Shelter Financial 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.
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