Wood & Huston Bank Mortgage Lending & HMDA Data, 2011
In 2011, Wood & Huston Bank of Marshall, MO reported 322 mortgage applications totaling $26.3 million, down 12% from 2010. The average application was for $81,742, and applicants reported an average income of $64,680. 69% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Cape Girardeau-Jackson, MO-IL (70), Springfield, MO (18) and Kansas City, MO-KS (6) (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 | 322 |
| Total Mortgage Loan Application Amount | $26,321,000 |
| Average Mortgage Loan Application Amount | $81,742 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $64,680 |
| Highest Applicant Income | $734,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 159 | $ 9,684,000 | $ 60,905 | $ 54,000 |
| Cape Girardeau, Missouri | 69 | $ 7,757,000 | $ 112,420 | $ 86,000 |
| Howell, Missouri | 30 | $ 2,645,000 | $ 88,166 | $ 75,000 |
| Greene, Missouri | 10 | $ 1,134,000 | $ 113,400 | $ 84,000 |
| Scott, Missouri | 8 | $ 420,000 | $ 52,500 | $ 52,000 |
| Pettis, Missouri | 5 | $ 723,000 | $ 144,600 | $ 62,000 |
| Christian, Missouri | 4 | $ 418,000 | $ 104,500 | $ 65,000 |
| Webster, Missouri | 4 | $ 425,000 | $ 106,250 | $ 61,000 |
| Lafayette, Missouri | 3 | $ 142,000 | $ 47,333 | $ 52,000 |
| Stone, Missouri | 3 | $ 642,000 | $ 214,000 | $ 91,000 |
| Boone, Missouri | 2 | $ 215,000 | $ 107,500 | $ 192,000 |
| Carroll, Missouri | 2 | $ 25,000 | $ 12,500 | $ 56,000 |
| Jackson, Missouri | 2 | $ 179,000 | $ 89,500 | $ 41,000 |
| Morgan, Missouri | 2 | $ 138,000 | $ 69,000 | $ 43,000 |
| Oregon, Missouri | 2 | $ 116,000 | $ 58,000 | $ 55,000 |
| Taney, Missouri | 2 | $ 190,000 | $ 95,000 | $ 34,000 |
| Baxter, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| St. Clair, Illinois | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Benton, Missouri | 1 | $ 13,000 | $ 13,000 | $ 35,000 |
| Bollinger, Missouri | 1 | $ 75,000 | $ 75,000 | $ 13,000 |
| Clay, Missouri | 1 | $ 96,000 | $ 96,000 | $ 40,000 |
| Cooper, Missouri | 1 | $ 79,000 | $ 79,000 | $ 24,000 |
| Henry, Missouri | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
| Jasper, Missouri | 1 | $ 48,000 | $ 48,000 | $ 48,000 |
| Mississippi, Missouri | 1 | $ 98,000 | $ 98,000 | $ 46,000 |
| New Madrid, Missouri | 1 | $ 134,000 | $ 134,000 | $ 78,000 |
| Ozark, Missouri | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| St. Charles, Missouri | 1 | $ 151,000 | $ 151,000 | $ 80,000 |
| Stoddard, Missouri | 1 | $ 69,000 | $ 69,000 | $ 23,000 |
| Texas, Missouri | 1 | $ 93,000 | $ 93,000 | $ 46,000 |
| Wayne, Missouri | 1 | $ 203,000 | $ 203,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2011
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 | 141 | $14,391,000 | $102,000 | $600,000 | $66,000 | $734,000 |
| Home Purchase | 122 | $10,465,000 | $85,000 | $404,000 | $63,000 | $469,000 |
| Home Improvement | 59 | $1,465,000 | $24,000 | $358,000 | $65,000 | $549,000 |
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 | 264 | $21,770,000 | $82,000 | $600,000 | $71,000 | $734,000 |
| Hispanic | 28 | $1,093,000 | $39,000 | $157,000 | $51,000 | $91,000 |
| Not applicable | 24 | $2,834,000 | $118,000 | $415,000 | $4,000 | $97,000 |
| Black or African American | 4 | $229,000 | $57,000 | $171,000 | $61,000 | $101,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $58,000 | $58,000 |
| Asian | 1 | $300,000 | $300,000 | $300,000 | $204,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 311 | $25,258,000 | $81,000 | $600,000 | $65,000 | $734,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $968,000 | $96,000 | $171,000 | $43,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 1 | $95,000 | $95,000 | $95,000 | $58,000 | $58,000 |
| 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 | 223 | $17,324,000 | $77,000 | $600,000 | $69,000 | $734,000 |
| Application Denied By Financial Institution | 59 | $4,467,000 | $75,000 | $473,000 | $49,000 | $199,000 |
| Application Withdrawn By Applicant | 40 | $4,530,000 | $113,000 | $404,000 | $61,000 | $166,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 21 | $1,301,000 | $61,000 | $170,000 | $41,000 | $96,000 |
| Collateral | 10 | $1,180,000 | $118,000 | $473,000 | $58,000 | $104,000 |
| Debt-To-Income Ratio | 8 | $688,000 | $86,000 | $225,000 | $57,000 | $132,000 |
| Other | 6 | $420,000 | $70,000 | $93,000 | $38,000 | $57,000 |
| Unverifiable Information | 2 | $94,000 | $47,000 | $79,000 | $17,000 | $24,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2011 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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