Wood & Huston Bank Mortgage Lending & HMDA Data, 2013
In 2013, Wood & Huston Bank of Marshall, MO reported 450 mortgage applications totaling $61.1 million, down 8% from 2012. The average application was for $135,680, and applicants reported an average income of $67,782. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cape Girardeau-Jackson, MO-IL (123), Springfield, MO (18) and Kansas City, MO-KS (8) (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 | 450 |
| Total Mortgage Loan Application Amount | $61,056,000 |
| Average Mortgage Loan Application Amount | $135,680 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $67,782 |
| Highest Applicant Income | $1,158,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 215 | $ 17,365,000 | $ 80,767 | $ 58,000 |
| Cape Girardeau, Missouri | 117 | $ 23,957,000 | $ 204,760 | $ 85,000 |
| Howell, Missouri | 23 | $ 2,615,000 | $ 113,695 | $ 53,000 |
| Greene, Missouri | 16 | $ 2,042,000 | $ 127,625 | $ 65,000 |
| Scott, Missouri | 11 | $ 855,000 | $ 77,727 | $ 65,000 |
| Pettis, Missouri | 9 | $ 6,594,000 | $ 732,666 | $ 49,000 |
| Bollinger, Missouri | 4 | $ 286,000 | $ 71,500 | $ 49,000 |
| Jackson, Missouri | 4 | $ 988,000 | $ 247,000 | $ 129,000 |
| Carroll, Missouri | 3 | $ 290,000 | $ 96,666 | $ 42,000 |
| Cooper, Missouri | 3 | $ 136,000 | $ 45,333 | $ 23,000 |
| Oregon, Missouri | 3 | $ 211,000 | $ 70,333 | $ 51,000 |
| St. Louis, Missouri | 3 | $ 452,000 | $ 150,666 | $ 123,000 |
| Stoddard, Missouri | 3 | $ 166,000 | $ 55,333 | $ 18,000 |
| Franklin, Florida | 2 | $ 1,184,000 | $ 592,000 | $ 353,000 |
| Alexander, Illinois | 2 | $ 122,000 | $ 61,000 | $ 56,000 |
| St. Clair, Illinois | 2 | $ 426,000 | $ 213,000 | $ 0 |
| Lafayette, Missouri | 2 | $ 195,000 | $ 97,500 | $ 52,000 |
| Morgan, Missouri | 2 | $ 270,000 | $ 135,000 | $ 28,000 |
| Taney, Missouri | 2 | $ 295,000 | $ 147,500 | $ 0 |
| Okaloosa, Florida | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Polk, Florida | 1 | $ 100,000 | $ 100,000 | $ 151,000 |
| White, Illinois | 1 | $ 100,000 | $ 100,000 | $ 122,000 |
| Johnson, Kansas | 1 | $ 4,000 | $ 4,000 | $ 64,000 |
| Lyon, Kentucky | 1 | $ 156,000 | $ 156,000 | $ 166,000 |
| Berrien, Michigan | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Benton, Missouri | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Christian, Missouri | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Clinton, Missouri | 1 | $ 189,000 | $ 189,000 | $ 150,000 |
| Cole, Missouri | 1 | $ 247,000 | $ 247,000 | $ 151,000 |
| Douglas, Missouri | 1 | $ 42,000 | $ 42,000 | $ 28,000 |
| Gasconade, Missouri | 1 | $ 51,000 | $ 51,000 | $ 199,000 |
| Howard, Missouri | 1 | $ 19,000 | $ 19,000 | $ 46,000 |
| Jefferson, Missouri | 1 | $ 140,000 | $ 140,000 | $ 155,000 |
| Madison, Missouri | 1 | $ 69,000 | $ 69,000 | $ 43,000 |
| Moniteau, Missouri | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| New Madrid, Missouri | 1 | $ 2,000 | $ 2,000 | $ 6,000 |
| Reynolds, Missouri | 1 | $ 142,000 | $ 142,000 | $ 73,000 |
| St. Charles, Missouri | 1 | $ 141,000 | $ 141,000 | $ 107,000 |
| Stone, Missouri | 1 | $ 95,000 | $ 95,000 | $ 203,000 |
| Webster, Missouri | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| Wright, Missouri | 1 | $ 51,000 | $ 51,000 | $ 45,000 |
| Douglas, Nebraska | 1 | $ 51,000 | $ 51,000 | $ 58,000 |
| Lancaster, Nebraska | 1 | $ 99,000 | $ 99,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2013
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 | 202 | $38,776,000 | $191,000 | $6,000,000 | $63,000 | $375,000 |
| Home Purchase | 199 | $21,770,000 | $109,000 | $634,000 | $78,000 | $1,158,000 |
| Home Improvement | 49 | $510,000 | $10,000 | $60,000 | $46,000 | $142,000 |
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 | 372 | $41,067,000 | $110,000 | $634,000 | $76,000 | $1,158,000 |
| Not applicable | 38 | $17,486,000 | $460,000 | $6,000,000 | $0 | $34,000 |
| Hispanic | 29 | $1,504,000 | $51,000 | $175,000 | $50,000 | $113,000 |
| Black or African American | 6 | $681,000 | $113,000 | $306,000 | $93,000 | $240,000 |
| American Indian or Alaskan Native | 3 | $100,000 | $33,000 | $45,000 | $31,000 | $32,000 |
| Asian | 1 | $77,000 | $77,000 | $77,000 | $32,000 | $32,000 |
| Not Provided | 1 | $141,000 | $141,000 | $141,000 | $76,000 | $76,000 |
| 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) | 436 | $59,578,000 | $136,000 | $6,000,000 | $69,000 | $1,158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,355,000 | $104,000 | $186,000 | $34,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 1 | $123,000 | $123,000 | $123,000 | $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 | 353 | $45,115,000 | $127,000 | $2,446,000 | $69,000 | $1,158,000 |
| Application Withdrawn By Applicant | 48 | $5,408,000 | $112,000 | $358,000 | $79,000 | $1,158,000 |
| Application Denied By Financial Institution | 45 | $10,006,000 | $222,000 | $6,000,000 | $43,000 | $158,000 |
| Application Approved But Not Accepted | 4 | $527,000 | $131,000 | $180,000 | $84,000 | $165,000 |
| 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 | 16 | $1,039,000 | $64,000 | $291,000 | $41,000 | $78,000 |
| Debt-To-Income Ratio | 12 | $1,406,000 | $117,000 | $323,000 | $36,000 | $98,000 |
| Collateral | 9 | $824,000 | $91,000 | $242,000 | $50,000 | $158,000 |
| Other | 5 | $6,691,000 | $1,338,000 | $6,000,000 | $50,000 | $77,000 |
| Unverifiable Information | 1 | $4,000 | $4,000 | $4,000 | $76,000 | $76,000 |
| Employment History | 1 | $16,000 | $16,000 | $16,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $26,000 | $26,000 | $26,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 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 2013 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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