Wood & Huston Bank Mortgage Lending & HMDA Data, 2012
In 2012, Wood & Huston Bank of Marshall, MO reported 488 mortgage applications totaling $54.8 million, up 52% from 2011. The average application was for $112,309, and applicants reported an average income of $69,739. 75% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Cape Girardeau-Jackson, MO-IL (138), Springfield, MO (32) and Kansas City, MO-KS (9) (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 | 488 |
| Total Mortgage Loan Application Amount | $54,807,000 |
| Average Mortgage Loan Application Amount | $112,309 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $69,739 |
| Highest Applicant Income | $749,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 226 | $ 17,646,000 | $ 78,079 | $ 62,000 |
| Cape Girardeau, Missouri | 135 | $ 23,426,000 | $ 173,525 | $ 88,000 |
| Greene, Missouri | 24 | $ 2,361,000 | $ 98,375 | $ 55,000 |
| Howell, Missouri | 13 | $ 1,535,000 | $ 118,076 | $ 37,000 |
| Scott, Missouri | 13 | $ 1,338,000 | $ 102,923 | $ 58,000 |
| Pettis, Missouri | 12 | $ 1,535,000 | $ 127,916 | $ 64,000 |
| Christian, Missouri | 8 | $ 778,000 | $ 97,250 | $ 58,000 |
| Carroll, Missouri | 5 | $ 306,000 | $ 61,200 | $ 63,000 |
| Cooper, Missouri | 5 | $ 210,000 | $ 42,000 | $ 47,000 |
| Lafayette, Missouri | 5 | $ 552,000 | $ 110,400 | $ 66,000 |
| Howard, Missouri | 4 | $ 328,000 | $ 82,000 | $ 45,000 |
| Bollinger, Missouri | 3 | $ 210,000 | $ 70,000 | $ 75,000 |
| Jackson, Missouri | 3 | $ 381,000 | $ 127,000 | $ 71,000 |
| Stone, Missouri | 3 | $ 488,000 | $ 162,666 | $ 60,000 |
| Taney, Missouri | 3 | $ 124,000 | $ 41,333 | $ 0 |
| Camden, Missouri | 2 | $ 471,000 | $ 235,500 | $ 401,000 |
| Chariton, Missouri | 2 | $ 447,000 | $ 223,500 | $ 130,000 |
| Oregon, Missouri | 2 | $ 155,000 | $ 77,500 | $ 59,000 |
| St. Louis, Missouri | 2 | $ 210,000 | $ 105,000 | $ 55,000 |
| Stoddard, Missouri | 2 | $ 189,000 | $ 94,500 | $ 103,000 |
| Madison, Illinois | 1 | $ 193,000 | $ 193,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Union, Illinois | 1 | $ 36,000 | $ 36,000 | $ 51,000 |
| Benton, Missouri | 1 | $ 43,000 | $ 43,000 | $ 29,000 |
| Boone, Missouri | 1 | $ 292,000 | $ 292,000 | $ 192,000 |
| Cass, Missouri | 1 | $ 163,000 | $ 163,000 | $ 176,000 |
| Cedar, Missouri | 1 | $ 37,000 | $ 37,000 | $ 53,000 |
| Douglas, Missouri | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Jasper, Missouri | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Jefferson, Missouri | 1 | $ 170,000 | $ 170,000 | $ 78,000 |
| Laclede, Missouri | 1 | $ 149,000 | $ 149,000 | $ 49,000 |
| Macon, Missouri | 1 | $ 148,000 | $ 148,000 | $ 146,000 |
| Mississippi, Missouri | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Ozark, Missouri | 1 | $ 157,000 | $ 157,000 | $ 47,000 |
| St. Charles, Missouri | 1 | $ 185,000 | $ 185,000 | $ 112,000 |
| Ste. Genevieve, Missouri | 1 | $ 20,000 | $ 20,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2012
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 | 234 | $33,374,000 | $142,000 | $1,085,000 | $80,000 | $669,000 |
| Home Purchase | 197 | $20,500,000 | $104,000 | $1,500,000 | $65,000 | $749,000 |
| Home Improvement | 57 | $933,000 | $16,000 | $193,000 | $44,000 | $120,000 |
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 | 399 | $43,816,000 | $109,000 | $1,500,000 | $79,000 | $749,000 |
| Not applicable | 48 | $8,042,000 | $167,000 | $923,000 | $4,000 | $115,000 |
| Hispanic | 30 | $1,662,000 | $55,000 | $430,000 | $49,000 | $308,000 |
| Black or African American | 5 | $168,000 | $33,000 | $65,000 | $27,000 | $46,000 |
| Asian | 3 | $949,000 | $316,000 | $477,000 | $134,000 | $204,000 |
| Not Provided | 2 | $24,000 | $12,000 | $18,000 | $39,000 | $45,000 |
| American Indian or Alaskan Native | 1 | $146,000 | $146,000 | $146,000 | $43,000 | $43,000 |
| 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) | 474 | $53,653,000 | $113,000 | $1,500,000 | $71,000 | $749,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,027,000 | $85,000 | $126,000 | $46,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 2 | $127,000 | $63,000 | $72,000 | $23,000 | $25,000 |
| 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 | 368 | $42,465,000 | $115,000 | $1,500,000 | $73,000 | $749,000 |
| Application Denied By Financial Institution | 70 | $5,678,000 | $81,000 | $304,000 | $52,000 | $231,000 |
| Application Withdrawn By Applicant | 49 | $6,585,000 | $134,000 | $1,085,000 | $69,000 | $248,000 |
| File Closed For Incompleteness | 1 | $79,000 | $79,000 | $79,000 | $25,000 | $25,000 |
| 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 | 37 | $2,268,000 | $61,000 | $260,000 | $46,000 | $231,000 |
| Collateral | 8 | $1,253,000 | $156,000 | $304,000 | $91,000 | $163,000 |
| Debt-To-Income Ratio | 7 | $1,126,000 | $160,000 | $270,000 | $48,000 | $128,000 |
| Other | 7 | $541,000 | $77,000 | $107,000 | $69,000 | $213,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $54,000 | $54,000 | $54,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2012 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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