Southern Missouri Bank of Marshfield Mortgage Lending & HMDA Data, 2012
In 2012, Southern Missouri Bank of Marshfield of Marshfield, MO reported 886 mortgage applications totaling $123.3 million, up 50% from 2011. The average application was for $139,124, and applicants reported an average income of $77,119. 40% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Springfield, MO (218), Kansas City, MO-KS (140) and St. Louis, MO-IL (121) (applications in parentheses).
| Mortgage Company & Address | Southern Missouri Bank of Marshfield Po Box M 1292 Banning St Marshfield, MO 65706 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 886 |
| Total Mortgage Loan Application Amount | $123,264,000 |
| Average Mortgage Loan Application Amount | $139,124 |
| Highest Mortgage Loan Application Amount | $1,094,000 |
| Average Applicant Income | $77,119 |
| Highest Applicant Income | $600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southern Missouri Bank of Marshfield filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 218 | $ 28,666,000 | $ 131,495 | $ 67,000 |
| Kansas City, MO-KS | 140 | $ 22,354,000 | $ 159,671 | $ 90,714 |
| St. Louis, MO-IL | 121 | $ 18,633,000 | $ 153,991 | $ 81,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 33 | $ 4,899,000 | $ 148,454 | $ 82,000 |
| Oklahoma City, OK | 27 | $ 3,080,000 | $ 114,074 | $ 67,000 |
| Joplin, MO | 21 | $ 2,816,000 | $ 134,095 | $ 66,000 |
| Tulsa, OK | 20 | $ 3,183,000 | $ 159,150 | $ 108,000 |
| Little Rock-North Little Rock-Conway, AR | 15 | $ 1,556,000 | $ 103,733 | $ 82,000 |
| Jefferson City, MO | 12 | $ 1,425,000 | $ 118,750 | $ 69,000 |
| St. Joseph, MO-KS | 11 | $ 1,234,000 | $ 112,181 | $ 66,000 |
| Hot Springs, AR | 8 | $ 1,064,000 | $ 133,000 | $ 68,000 |
| Columbia, MO | 5 | $ 847,000 | $ 169,400 | $ 76,000 |
| Fort Smith, AR-OK | 5 | $ 372,000 | $ 74,400 | $ 36,800 |
| Jonesboro, AR | 4 | $ 419,000 | $ 104,750 | $ 74,000 |
| Lawton, OK | 4 | $ 642,000 | $ 160,500 | $ 45,000 |
| Memphis, TN-MS-AR | 4 | $ 561,000 | $ 140,250 | $ 57,000 |
| Pine Bluff, AR | 4 | $ 795,000 | $ 198,750 | $ 88,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 397,000 | $ 99,250 | $ 35,000 |
| Cape Girardeau-Jackson, MO-IL | 3 | $ 349,000 | $ 116,333 | $ 64,000 |
| Chicago-Joliet-Naperville, IL | 3 | $ 630,000 | $ 210,000 | $ 77,000 |
| Greeley, CO | 2 | $ 226,000 | $ 113,000 | $ 108,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 415,000 | $ 207,500 | $ 101,000 |
| Wichita, KS | 2 | $ 316,000 | $ 158,000 | $ 110,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Champaign-Urbana, IL | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Colorado Springs, CO | 1 | $ 186,000 | $ 186,000 | $ 155,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 119,000 | $ 119,000 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 218,000 | $ 218,000 | $ 90,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 188,000 | $ 188,000 | $ 30,000 |
| Manhattan, KS | 1 | $ 148,000 | $ 148,000 | $ 72,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 257,000 | $ 257,000 | $ 139,000 |
| Modesto, CA | 1 | $ 202,000 | $ 202,000 | $ 92,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 137,000 | $ 137,000 | $ 20,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 168,000 | $ 168,000 | $ 111,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 359,000 | $ 359,000 | $ 132,000 |
| St. Cloud, MN | 1 | $ 96,000 | $ 96,000 | $ 53,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 373,000 | $ 373,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Southern Missouri Bank of Marshfield 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 | 769 | $108,695,000 | $141,000 | $750,000 | $78,000 | $600,000 |
| Home Purchase | 105 | $13,891,000 | $132,000 | $1,094,000 | $74,000 | $267,000 |
| Home Improvement | 12 | $678,000 | $56,000 | $214,000 | $48,000 | $116,000 |
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 | 731 | $99,919,000 | $136,000 | $619,000 | $77,000 | $600,000 |
| Not Provided | 112 | $16,449,000 | $146,000 | $750,000 | $76,000 | $236,000 |
| Black or African American | 11 | $1,324,000 | $120,000 | $376,000 | $67,000 | $180,000 |
| Hispanic | 11 | $1,451,000 | $131,000 | $264,000 | $72,000 | $150,000 |
| Not applicable | 10 | $2,056,000 | $205,000 | $1,094,000 | $0 | $0 |
| Asian | 8 | $1,449,000 | $181,000 | $577,000 | $129,000 | $231,000 |
| American Indian or Alaskan Native | 3 | $616,000 | $205,000 | $334,000 | $62,000 | $84,000 |
| 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) | 803 | $110,983,000 | $138,000 | $1,094,000 | $78,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 39 | $6,510,000 | $166,000 | $373,000 | $72,000 | $285,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,840,000 | $128,000 | $274,000 | $67,000 | $274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,931,000 | $137,000 | $375,000 | $56,000 | $100,000 |
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 | 355 | $49,540,000 | $139,000 | $1,094,000 | $83,000 | $368,000 |
| Application Withdrawn By Applicant | 327 | $47,559,000 | $145,000 | $577,000 | $79,000 | $600,000 |
| Application Denied By Financial Institution | 202 | $25,983,000 | $128,000 | $750,000 | $62,000 | $274,000 |
| File Closed For Incompleteness | 2 | $182,000 | $91,000 | $112,000 | $54,000 | $60,000 |
| Application Approved But Not Accepted | 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 Southern Missouri Bank of Marshfield'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 Southern Missouri Bank of Marshfield'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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