Wood & Huston Bank Mortgage Lending & HMDA Data, 2009
In 2009, Wood & Huston Bank of Marshall, MO reported 775 mortgage applications totaling $85.7 million, up 3% from 2008. The average application was for $110,601, and applicants reported an average income of $60,241. 74% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Cape Girardeau-Jackson, MO-IL (251) and Springfield, MO (26).
| 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 | 775 |
| Total Mortgage Loan Application Amount | $85,716,000 |
| Average Mortgage Loan Application Amount | $110,601 |
| Highest Mortgage Loan Application Amount | $813,000 |
| Average Applicant Income | $60,241 |
| Highest Applicant Income | $879,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cape Girardeau, Missouri | 239 | $ 34,357,000 | $ 143,753 | $ 76,000 |
| Greene, Missouri | 22 | $ 3,262,000 | $ 148,272 | $ 85,000 |
| Bollinger, Missouri | 11 | $ 1,030,000 | $ 93,636 | $ 45,000 |
| Scott, Missouri | 9 | $ 891,000 | $ 99,000 | $ 54,000 |
| Christian, Missouri | 3 | $ 573,000 | $ 191,000 | $ 71,000 |
| Alexander, Illinois | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Mississippi, Missouri | 1 | $ 83,000 | $ 83,000 | $ 70,000 |
| Montgomery, Missouri | 1 | $ 417,000 | $ 417,000 | $ 214,000 |
| Perry, Missouri | 1 | $ 156,000 | $ 156,000 | $ 33,000 |
| Stoddard, Missouri | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Webster, Missouri | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2009
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 | 394 | $54,176,000 | $137,000 | $546,000 | $70,000 | $555,000 |
| Home Purchase | 327 | $30,619,000 | $93,000 | $813,000 | $51,000 | $879,000 |
| Home Improvement | 54 | $921,000 | $17,000 | $270,000 | $45,000 | $201,000 |
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 | 695 | $77,719,000 | $111,000 | $417,000 | $64,000 | $879,000 |
| Hispanic | 36 | $2,067,000 | $57,000 | $237,000 | $36,000 | $100,000 |
| Not applicable | 29 | $4,152,000 | $143,000 | $813,000 | $0 | $0 |
| Black or African American | 10 | $1,218,000 | $121,000 | $546,000 | $30,000 | $114,000 |
| Asian | 3 | $359,000 | $119,000 | $177,000 | $43,000 | $50,000 |
| American Indian or Alaskan Native | 1 | $81,000 | $81,000 | $81,000 | $25,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $120,000 | $120,000 | $120,000 | $165,000 | $165,000 |
| Not Provided | 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) | 720 | $81,014,000 | $112,000 | $813,000 | $62,000 | $879,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $4,605,000 | $85,000 | $168,000 | $35,000 | $69,000 |
| FHA-insured (Federal Housing Administration) | 1 | $97,000 | $97,000 | $97,000 | $55,000 | $55,000 |
| 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 | 577 | $63,538,000 | $110,000 | $813,000 | $62,000 | $879,000 |
| Application Denied By Financial Institution | 131 | $13,904,000 | $106,000 | $546,000 | $51,000 | $223,000 |
| Application Withdrawn By Applicant | 65 | $8,207,000 | $126,000 | $417,000 | $60,000 | $214,000 |
| Application Approved But Not Accepted | 2 | $67,000 | $33,000 | $38,000 | $46,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 23 | $1,233,000 | $53,000 | $183,000 | $35,000 | $90,000 |
| Collateral | 13 | $1,379,000 | $106,000 | $240,000 | $59,000 | $132,000 |
| Other | 7 | $670,000 | $95,000 | $204,000 | $47,000 | $79,000 |
| Debt-To-Income Ratio | 6 | $451,000 | $75,000 | $160,000 | $46,000 | $123,000 |
| Employment History | 4 | $214,000 | $53,000 | $63,000 | $27,000 | $39,000 |
| Unverifiable Information | 4 | $456,000 | $114,000 | $147,000 | $48,000 | $71,000 |
| Credit Application Incomplete | 2 | $207,000 | $103,000 | $155,000 | $65,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2009 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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