Wood & Huston Bank Mortgage Lending & HMDA Data, 2004
In 2004, Wood & Huston Bank of Marshall, MO reported 851 mortgage applications totaling $70.4 million, down 29% from 2003. The average application was for $82,781, and applicants reported an average income of $52,424. 77% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Springfield, MO (104), Kansas City, MO-KS (13) and St. Louis, MO-IL (4) (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 | 851 |
| Total Mortgage Loan Application Amount | $70,447,000 |
| Average Mortgage Loan Application Amount | $82,781 |
| Highest Mortgage Loan Application Amount | $2,808,000 |
| Average Applicant Income | $52,424 |
| Highest Applicant Income | $457,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 333 | $ 19,962,000 | $ 59,945 | $ 38,000 |
| Cape Girardeau, Missouri | 153 | $ 17,906,000 | $ 117,032 | $ 44,000 |
| Howell, Missouri | 110 | $ 7,864,000 | $ 71,490 | $ 40,000 |
| Greene, Missouri | 87 | $ 11,402,000 | $ 131,057 | $ 99,000 |
| Scott, Missouri | 42 | $ 2,533,000 | $ 60,309 | $ 40,000 |
| Christian, Missouri | 17 | $ 1,905,000 | $ 112,058 | $ 67,000 |
| Oregon, Missouri | 14 | $ 774,000 | $ 55,285 | $ 48,000 |
| Lafayette, Missouri | 10 | $ 957,000 | $ 95,700 | $ 45,000 |
| Ozark, Missouri | 9 | $ 702,000 | $ 78,000 | $ 43,000 |
| Benton, Missouri | 6 | $ 484,000 | $ 80,666 | $ 61,000 |
| Pettis, Missouri | 5 | $ 273,000 | $ 54,600 | $ 27,000 |
| Bollinger, Missouri | 4 | $ 316,000 | $ 79,000 | $ 50,000 |
| Stone, Missouri | 4 | $ 413,000 | $ 103,250 | $ 39,000 |
| Texas, Missouri | 4 | $ 413,000 | $ 103,250 | $ 35,000 |
| Cooper, Missouri | 3 | $ 120,000 | $ 40,000 | $ 35,000 |
| Lawrence, Missouri | 3 | $ 223,000 | $ 74,333 | $ 91,000 |
| Shannon, Missouri | 3 | $ 154,000 | $ 51,333 | $ 59,000 |
| Summit, Colorado | 2 | $ 750,000 | $ 375,000 | $ 136,000 |
| Saline, Illinois | 2 | $ 9,000 | $ 4,500 | $ 31,000 |
| Williamson, Illinois | 2 | $ 17,000 | $ 8,500 | $ 35,000 |
| Johnson, Kansas | 2 | $ 155,000 | $ 77,500 | $ 55,000 |
| Marshall, Kentucky | 2 | $ 396,000 | $ 198,000 | $ 443,000 |
| Boone, Missouri | 2 | $ 251,000 | $ 125,500 | $ 88,000 |
| Carroll, Missouri | 2 | $ 267,000 | $ 133,500 | $ 70,000 |
| Henry, Missouri | 2 | $ 106,000 | $ 53,000 | $ 74,000 |
| Jackson, Missouri | 2 | $ 234,000 | $ 117,000 | $ 25,000 |
| Johnson, Missouri | 2 | $ 156,000 | $ 78,000 | $ 42,000 |
| St. Charles, Missouri | 2 | $ 312,000 | $ 156,000 | $ 66,000 |
| Stoddard, Missouri | 2 | $ 137,000 | $ 68,500 | $ 36,000 |
| Taney, Missouri | 2 | $ 82,000 | $ 41,000 | $ 76,000 |
| Sharp, Arkansas | 1 | $ 64,000 | $ 64,000 | $ 39,000 |
| El Paso, Colorado | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Larimer, Colorado | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Franklin, Illinois | 1 | $ 9,000 | $ 9,000 | $ 18,000 |
| Cass, Iowa | 1 | $ 46,000 | $ 46,000 | $ 66,000 |
| Calloway, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 135,000 |
| Cole, Missouri | 1 | $ 60,000 | $ 60,000 | $ 106,000 |
| Douglas, Missouri | 1 | $ 38,000 | $ 38,000 | $ 131,000 |
| Franklin, Missouri | 1 | $ 56,000 | $ 56,000 | $ 58,000 |
| Hickory, Missouri | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Macon, Missouri | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Madison, Missouri | 1 | $ 61,000 | $ 61,000 | $ 42,000 |
| Morgan, Missouri | 1 | $ 100,000 | $ 100,000 | $ 81,000 |
| New Madrid, Missouri | 1 | $ 64,000 | $ 64,000 | $ 287,000 |
| Newton, Missouri | 1 | $ 26,000 | $ 26,000 | $ 32,000 |
| Perry, Missouri | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| Ray, Missouri | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| St. Louis, Missouri | 1 | $ 166,000 | $ 166,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2004
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 | 458 | $32,947,000 | $144,800 | $800,000 | $103,400 | $457,000 |
| Refinancing | 340 | $37,149,000 | $77,500 | $2,808,000 | $63,000 | $457,000 |
| Home Improvement | 53 | $351,000 | $5,500 | $37,000 | $34,500 | $101,000 |
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 | 736 | $62,521,000 | $103,000 | $2,808,000 | $90,857 | $457,000 |
| Hispanic | 62 | $2,910,000 | $46,000 | $110,000 | $29,000 | $68,000 |
| Black or African American | 18 | $900,000 | $50,000 | $122,000 | $39,000 | $79,000 |
| Not Provided | 13 | $613,000 | $25,000 | $133,000 | $27,666 | $73,000 |
| Not applicable | 11 | $2,162,000 | $196,000 | $722,000 | $46,000 | $444,000 |
| Asian | 7 | $918,000 | $131,000 | $179,000 | $57,000 | $95,000 |
| American Indian or Alaskan Native | 4 | $423,000 | $105,000 | $143,000 | $56,000 | $86,000 |
| 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) | 826 | $68,776,000 | $92,428 | $2,808,000 | $85,142 | $457,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $972,000 | $60,000 | $79,000 | $23,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 6 | $499,000 | $83,000 | $148,000 | $57,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 3 | $200,000 | $66,000 | $84,000 | $41,000 | $49,000 |
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 | 657 | $57,617,000 | $103,000 | $2,808,000 | $89,285 | $457,000 |
| Application Denied By Financial Institution | 130 | $7,330,000 | $22,333 | $200,000 | $26,333 | $328,000 |
| Application Withdrawn By Applicant | 51 | $4,411,000 | $86,000 | $200,000 | $63,000 | $354,000 |
| Application Approved But Not Accepted | 11 | $959,000 | $87,000 | $200,000 | $49,000 | $123,000 |
| File Closed For Incompleteness | 2 | $130,000 | $65,000 | $110,000 | $21,000 | $31,000 |
| 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 | 3 | $26,000 | $8,000 | $21,000 | $30,000 | $50,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2004 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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