Wood & Huston Bank Mortgage Lending & HMDA Data, 2005
In 2005, Wood & Huston Bank of Marshall, MO reported 714 mortgage applications totaling $60.3 million, down 16% from 2004. The average application was for $84,456, and applicants reported an average income of $54,033. 81% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Springfield, MO (60), Kansas City, MO-KS (9) and St. Louis, MO-IL (3) (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 | 714 |
| Total Mortgage Loan Application Amount | $60,302,000 |
| Average Mortgage Loan Application Amount | $84,456 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $54,033 |
| Highest Applicant Income | $504,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 312 | $ 19,414,000 | $ 62,224 | $ 36,000 |
| Cape Girardeau, Missouri | 142 | $ 15,634,000 | $ 110,098 | $ 53,000 |
| Howell, Missouri | 93 | $ 7,206,000 | $ 77,483 | $ 43,000 |
| Greene, Missouri | 42 | $ 6,264,000 | $ 149,142 | $ 64,000 |
| Scott, Missouri | 27 | $ 2,112,000 | $ 78,222 | $ 46,000 |
| Christian, Missouri | 15 | $ 2,251,000 | $ 150,066 | $ 110,000 |
| Oregon, Missouri | 10 | $ 841,000 | $ 84,100 | $ 69,000 |
| Pettis, Missouri | 7 | $ 482,000 | $ 68,857 | $ 35,000 |
| Bollinger, Missouri | 5 | $ 284,000 | $ 56,800 | $ 27,000 |
| Lafayette, Missouri | 5 | $ 317,000 | $ 63,400 | $ 35,000 |
| Ozark, Missouri | 4 | $ 344,000 | $ 86,000 | $ 34,000 |
| Baxter, Arkansas | 3 | $ 148,000 | $ 49,333 | $ 69,000 |
| Fulton, Arkansas | 3 | $ 117,000 | $ 39,000 | $ 47,000 |
| Benton, Missouri | 3 | $ 271,000 | $ 90,333 | $ 55,000 |
| Marion, Arkansas | 2 | $ 187,000 | $ 93,500 | $ 97,000 |
| Williamson, Illinois | 2 | $ 14,000 | $ 7,000 | $ 63,000 |
| Boone, Missouri | 2 | $ 310,000 | $ 155,000 | $ 82,000 |
| Carroll, Missouri | 2 | $ 182,000 | $ 91,000 | $ 66,000 |
| Clay, Missouri | 2 | $ 206,000 | $ 103,000 | $ 59,000 |
| Cooper, Missouri | 2 | $ 218,000 | $ 109,000 | $ 90,000 |
| Jackson, Missouri | 2 | $ 246,000 | $ 123,000 | $ 98,000 |
| New Madrid, Missouri | 2 | $ 170,000 | $ 85,000 | $ 162,000 |
| Perry, Missouri | 2 | $ 103,000 | $ 51,500 | $ 35,000 |
| Webster, Missouri | 2 | $ 286,000 | $ 143,000 | $ 18,000 |
| Alexander, Illinois | 1 | $ 48,000 | $ 48,000 | $ 27,000 |
| Johnson, Illinois | 1 | $ 8,000 | $ 8,000 | $ 48,000 |
| Adair, Missouri | 1 | $ 69,000 | $ 69,000 | $ 24,000 |
| Chariton, Missouri | 1 | $ 21,000 | $ 21,000 | $ 60,000 |
| Cole, Missouri | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Franklin, Missouri | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Grundy, Missouri | 1 | $ 90,000 | $ 90,000 | $ 189,000 |
| Jasper, Missouri | 1 | $ 61,000 | $ 61,000 | $ 65,000 |
| Johnson, Missouri | 1 | $ 137,000 | $ 137,000 | $ 65,000 |
| Livingston, Missouri | 1 | $ 108,000 | $ 108,000 | $ 41,000 |
| Morgan, Missouri | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| Newton, Missouri | 1 | $ 88,000 | $ 88,000 | $ 50,000 |
| Polk, Missouri | 1 | $ 154,000 | $ 154,000 | $ 85,000 |
| Putnam, Missouri | 1 | $ 44,000 | $ 44,000 | $ 99,000 |
| Shannon, Missouri | 1 | $ 116,000 | $ 116,000 | $ 25,000 |
| St. Charles, Missouri | 1 | $ 178,000 | $ 178,000 | $ 80,000 |
| St. Francois, Missouri | 1 | $ 28,000 | $ 28,000 | $ 20,000 |
| St. Louis City, Missouri | 1 | $ 130,000 | $ 130,000 | $ 124,000 |
| Stoddard, Missouri | 1 | $ 172,000 | $ 172,000 | $ 77,000 |
| Stone, Missouri | 1 | $ 461,000 | $ 461,000 | $ 73,000 |
| Texas, Missouri | 1 | $ 63,000 | $ 63,000 | $ 26,000 |
| Vernon, Missouri | 1 | $ 90,000 | $ 90,000 | $ 68,000 |
| Clark, Nevada | 1 | $ 450,000 | $ 450,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2005
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 | 389 | $31,459,000 | $192,666 | $750,000 | $103,333 | $504,000 |
| Refinancing | 287 | $28,215,000 | $76,000 | $500,000 | $61,666 | $504,000 |
| Home Improvement | 38 | $628,000 | $12,000 | $165,000 | $47,500 | $103,000 |
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 | 599 | $52,907,000 | $155,250 | $750,000 | $95,000 | $504,000 |
| Hispanic | 72 | $4,270,000 | $59,000 | $130,000 | $39,000 | $121,000 |
| Not applicable | 15 | $619,000 | $41,000 | $100,000 | $1,000 | $20,000 |
| Black or African American | 14 | $986,000 | $70,000 | $535,000 | $36,000 | $61,000 |
| Asian | 6 | $801,000 | $133,000 | $325,000 | $63,000 | $88,000 |
| Not Provided | 5 | $588,000 | $99,000 | $275,000 | $65,500 | $151,000 |
| American Indian or Alaskan Native | 2 | $86,000 | $43,000 | $46,000 | $52,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $24,000 | $24,000 |
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) | 693 | $58,486,000 | $151,750 | $750,000 | $93,000 | $504,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,240,000 | $72,000 | $125,000 | $35,000 | $60,000 |
| FHA-insured (Federal Housing Administration) | 3 | $336,000 | $112,000 | $146,000 | $52,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 1 | $240,000 | $240,000 | $240,000 | $87,000 | $87,000 |
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 | 575 | $47,293,000 | $154,500 | $500,000 | $94,000 | $504,000 |
| Application Denied By Financial Institution | 100 | $8,552,000 | $44,000 | $535,000 | $60,333 | $173,000 |
| Application Withdrawn By Applicant | 32 | $3,234,000 | $80,000 | $750,000 | $50,000 | $504,000 |
| Application Approved But Not Accepted | 6 | $1,045,000 | $174,000 | $460,000 | $44,000 | $97,000 |
| File Closed For Incompleteness | 1 | $178,000 | $178,000 | $178,000 | $80,000 | $80,000 |
| 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 | 1 | $219,000 | $219,000 | $219,000 | $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 |
| 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 2005 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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