Wood & Huston Bank Mortgage Lending & HMDA Data, 2025
In 2025, Wood & Huston Bank of Marshall, MO reported 286 mortgage applications totaling $69.4 million, up 7% from 2024. The average application was for $242,482, and applicants reported an average income of $135,531. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Kansas City, MO-KS (53), Cape Girardeau, MO-IL (52) and Springfield, MO (12) (applications in parentheses).
| Mortgage Company & Address | Wood & Huston Bank 27 E. North Street Marshall, MO 65340 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 286 |
| Total Mortgage Loan Application Amount | $69,350,000 |
| Average Mortgage Loan Application Amount | $242,482 |
| Highest Mortgage Loan Application Amount | $2,675,000 |
| Average Applicant Income | $135,531 |
| Highest Applicant Income | $1,825,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Saline, Missouri | 71 | $ 9,795,000 | $ 137,957 | $ 131,000 |
| Cape Girardeau, Missouri | 47 | $ 9,365,000 | $ 199,255 | $ 127,000 |
| Lafayette, Missouri | 44 | $ 15,470,000 | $ 351,590 | $ 184,000 |
| Pettis, Missouri | 33 | $ 10,335,000 | $ 313,181 | $ 168,000 |
| Howell, Missouri | 10 | $ 1,940,000 | $ 194,000 | $ 82,000 |
| Benton, Missouri | 8 | $ 1,390,000 | $ 173,750 | $ 65,000 |
| Greene, Missouri | 8 | $ 1,630,000 | $ 203,750 | $ 125,000 |
| Jackson, Missouri | 7 | $ 1,525,000 | $ 217,857 | $ 111,000 |
| Johnson, Missouri | 7 | $ 2,635,000 | $ 376,428 | $ 123,000 |
| Scott, Missouri | 6 | $ 1,140,000 | $ 190,000 | $ 102,000 |
| Bollinger, Missouri | 5 | $ 1,195,000 | $ 239,000 | $ 131,000 |
| Boone, Missouri | 5 | $ 1,065,000 | $ 213,000 | $ 227,000 |
| Callaway, Missouri | 5 | $ 1,405,000 | $ 281,000 | $ 72,000 |
| Carroll, Missouri | 3 | $ 495,000 | $ 165,000 | $ 83,000 |
| Christian, Missouri | 3 | $ 545,000 | $ 181,666 | $ 113,000 |
| Cooper, Missouri | 3 | $ 515,000 | $ 171,666 | $ 53,000 |
| Stone, Missouri | 3 | $ 1,975,000 | $ 658,333 | $ 203,000 |
| Camden, Missouri | 2 | $ 790,000 | $ 395,000 | $ 288,000 |
| Morgan, Missouri | 2 | $ 340,000 | $ 170,000 | $ 62,000 |
| St. Francois, Missouri | 2 | $ 190,000 | $ 95,000 | $ 98,000 |
| Livingston, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Butler, Missouri | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Clay, Missouri | 1 | $ 525,000 | $ 525,000 | $ 257,000 |
| Douglas, Missouri | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Howard, Missouri | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Laclede, Missouri | 1 | $ 1,985,000 | $ 1,985,000 | $ 761,000 |
| Ozark, Missouri | 1 | $ 85,000 | $ 85,000 | $ 16,000 |
| Platte, Missouri | 1 | $ 375,000 | $ 375,000 | $ 230,000 |
| Polk, Missouri | 1 | $ 455,000 | $ 455,000 | $ 123,000 |
| St. Charles, Missouri | 1 | $ 315,000 | $ 315,000 | $ 23,000 |
| Vernon, Missouri | 1 | $ 1,195,000 | $ 1,195,000 | $ 186,000 |
| Wright, Missouri | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2025
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 | 172 | $44,310,000 | $257,000 | $1,985,000 | $168,000 | $1,825,000 |
| Refinancing | 72 | $20,090,000 | $279,000 | $2,675,000 | $88,000 | $319,000 |
| Home Improvement | 19 | $2,195,000 | $115,000 | $425,000 | $72,000 | $176,000 |
| Cash-out Refinancing | 18 | $2,430,000 | $135,000 | $415,000 | $94,000 | $149,000 |
| Other Purpose | 5 | $325,000 | $65,000 | $115,000 | $94,000 | $221,000 |
| Not Applicable | 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 | 186 | $48,260,000 | $259,000 | $2,675,000 | $136,000 | $1,193,000 |
| Not applicable | 70 | $16,570,000 | $236,000 | $2,595,000 | $0 | $0 |
| Hispanic | 21 | $2,275,000 | $108,000 | $435,000 | $95,000 | $576,000 |
| Black or African American | 3 | $705,000 | $235,000 | $275,000 | $750,000 | $1,825,000 |
| American Indian or Alaskan Native | 2 | $450,000 | $225,000 | $425,000 | $97,000 | $132,000 |
| Asian | 2 | $730,000 | $365,000 | $395,000 | $101,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $82,000 | $82,000 |
| Not Provided | 1 | $235,000 | $235,000 | $235,000 | $112,000 | $112,000 |
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) | 282 | $68,580,000 | $243,000 | $2,675,000 | $141,000 | $1,825,000 |
| FHA-insured (Federal Housing Administration) | 4 | $770,000 | $192,000 | $315,000 | $82,000 | $121,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 253 | $61,415,000 | $242,000 | $2,675,000 | $137,000 | $1,825,000 |
| Application Withdrawn By Applicant | 21 | $6,475,000 | $308,000 | $1,985,000 | $198,000 | $1,193,000 |
| Application Denied By Financial Institution | 9 | $1,135,000 | $126,000 | $445,000 | $82,000 | $101,000 |
| Application Approved But Not Accepted | 3 | $325,000 | $108,000 | $135,000 | $104,000 | $152,000 |
| 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 | 286 | $69,350,000 | $242,000 | $2,675,000 | $140,000 | $1,825,000 |
| 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 Wood & Huston Bank's 2025 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 Wood & Huston 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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