Wood & Huston Bank Mortgage Lending & HMDA Data, 2014
In 2014, Wood & Huston Bank of Marshall, MO reported 412 mortgage applications totaling $48.7 million, down 8% from 2013. The average application was for $118,320, and applicants reported an average income of $85,626. 78% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Cape Girardeau, MO-IL (103), Kansas City, MO-KS (47) and Springfield, MO (20) (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 | 412 |
| Total Mortgage Loan Application Amount | $48,748,000 |
| Average Mortgage Loan Application Amount | $118,320 |
| Highest Mortgage Loan Application Amount | $2,867,000 |
| Average Applicant Income | $85,626 |
| Highest Applicant Income | $2,195,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 10,958,000 | $ 66,012 | $ 53,000 |
| Cape Girardeau, Missouri | 97 | $ 15,175,000 | $ 156,443 | $ 102,000 |
| Lafayette, Missouri | 32 | $ 4,081,000 | $ 127,531 | $ 83,000 |
| Howell, Missouri | 21 | $ 1,784,000 | $ 84,952 | $ 57,000 |
| Greene, Missouri | 14 | $ 3,143,000 | $ 224,500 | $ 73,000 |
| Pettis, Missouri | 14 | $ 1,715,000 | $ 122,500 | $ 55,000 |
| Scott, Missouri | 11 | $ 859,000 | $ 78,090 | $ 63,000 |
| Jackson, Missouri | 7 | $ 799,000 | $ 114,142 | $ 73,000 |
| Johnson, Missouri | 5 | $ 334,000 | $ 66,800 | $ 97,000 |
| Alexander, Illinois | 3 | $ 105,000 | $ 35,000 | $ 38,000 |
| Bollinger, Missouri | 3 | $ 478,000 | $ 159,333 | $ 68,000 |
| Carroll, Missouri | 3 | $ 193,000 | $ 64,333 | $ 47,000 |
| Christian, Missouri | 3 | $ 373,000 | $ 124,333 | $ 39,000 |
| Clay, Missouri | 3 | $ 838,000 | $ 279,333 | $ 1,396,000 |
| Sangamon, Illinois | 2 | $ 3,317,000 | $ 1,658,500 | $ 0 |
| Morgan, Missouri | 2 | $ 345,000 | $ 172,500 | $ 210,000 |
| Platte, Missouri | 2 | $ 564,000 | $ 282,000 | $ 1,059,000 |
| Ray, Missouri | 2 | $ 220,000 | $ 110,000 | $ 60,000 |
| Stone, Missouri | 2 | $ 159,000 | $ 79,500 | $ 103,000 |
| Webster, Missouri | 2 | $ 264,000 | $ 132,000 | $ 150,000 |
| Adams, Colorado | 1 | $ 250,000 | $ 250,000 | $ 47,000 |
| Summit, Colorado | 1 | $ 880,000 | $ 880,000 | $ 324,000 |
| Collier, Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 396,000 | $ 396,000 | $ 0 |
| White, Illinois | 1 | $ 57,000 | $ 57,000 | $ 105,000 |
| Wyandotte, Kansas | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Boone, Missouri | 1 | $ 276,000 | $ 276,000 | $ 137,000 |
| Cole, Missouri | 1 | $ 51,000 | $ 51,000 | $ 134,000 |
| Cooper, Missouri | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Dade, Missouri | 1 | $ 44,000 | $ 44,000 | $ 26,000 |
| Douglas, Missouri | 1 | $ 76,000 | $ 76,000 | $ 5,000 |
| Macon, Missouri | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Polk, Missouri | 1 | $ 111,000 | $ 111,000 | $ 0 |
| St. Francois, Missouri | 1 | $ 144,000 | $ 144,000 | $ 103,000 |
| Ste. Genevieve, Missouri | 1 | $ 1,000 | $ 1,000 | $ 24,000 |
| Stoddard, Missouri | 1 | $ 67,000 | $ 67,000 | $ 47,000 |
| Wilson, Texas | 1 | $ 8,000 | $ 8,000 | $ 66,000 |
| Iron, Wisconsin | 1 | $ 58,000 | $ 58,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2014
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 | 206 | $22,435,000 | $108,000 | $880,000 | $72,000 | $2,195,000 |
| Refinancing | 142 | $25,527,000 | $179,000 | $2,867,000 | $121,000 | $2,055,000 |
| Home Improvement | 64 | $786,000 | $12,000 | $126,000 | $51,000 | $327,000 |
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 | 349 | $37,864,000 | $108,000 | $880,000 | $97,000 | $2,195,000 |
| Not applicable | 29 | $9,524,000 | $328,000 | $2,867,000 | $0 | $0 |
| Hispanic | 23 | $946,000 | $41,000 | $120,000 | $37,000 | $66,000 |
| Black or African American | 9 | $294,000 | $32,000 | $128,000 | $36,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $46,000 | $46,000 |
| Asian | 1 | $117,000 | $117,000 | $117,000 | $79,000 | $79,000 |
| 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) | 397 | $47,484,000 | $119,000 | $2,867,000 | $88,000 | $2,195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $868,000 | $86,000 | $128,000 | $35,000 | $55,000 |
| FHA-insured (Federal Housing Administration) | 5 | $396,000 | $79,000 | $98,000 | $35,000 | $45,000 |
| 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 | 323 | $40,905,000 | $126,000 | $2,867,000 | $94,000 | $2,195,000 |
| Application Denied By Financial Institution | 60 | $4,797,000 | $79,000 | $761,000 | $50,000 | $406,000 |
| Application Withdrawn By Applicant | 28 | $2,973,000 | $106,000 | $320,000 | $63,000 | $152,000 |
| File Closed For Incompleteness | 1 | $73,000 | $73,000 | $73,000 | $30,000 | $30,000 |
| 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 | 25 | $1,300,000 | $52,000 | $340,000 | $46,000 | $119,000 |
| Debt-To-Income Ratio | 15 | $1,896,000 | $126,000 | $761,000 | $59,000 | $406,000 |
| Collateral | 8 | $554,000 | $69,000 | $120,000 | $45,000 | $81,000 |
| Other | 7 | $836,000 | $119,000 | $608,000 | $63,000 | $205,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $25,000 | $25,000 |
| Employment History | 1 | $101,000 | $101,000 | $101,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2014 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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