Wood & Huston Bank Mortgage Lending & HMDA Data, 2017
In 2017, Wood & Huston Bank of Marshall, MO reported 396 mortgage applications totaling $43.6 million, down 3% from 2016. The average application was for $110,151, and applicants reported an average income of $69,191. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cape Girardeau, MO-IL (64), Springfield, MO (45) and Kansas City, MO-KS (37) (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 | 396 |
| Total Mortgage Loan Application Amount | $43,620,000 |
| Average Mortgage Loan Application Amount | $110,151 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $69,191 |
| Highest Applicant Income | $541,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 173 | $ 12,246,000 | $ 70,786 | $ 61,000 |
| Cape Girardeau, Missouri | 57 | $ 8,320,000 | $ 145,964 | $ 84,000 |
| Greene, Missouri | 39 | $ 5,447,000 | $ 139,666 | $ 70,000 |
| Lafayette, Missouri | 31 | $ 3,440,000 | $ 110,967 | $ 79,000 |
| Howell, Missouri | 17 | $ 1,484,000 | $ 87,294 | $ 60,000 |
| Pettis, Missouri | 12 | $ 1,633,000 | $ 136,083 | $ 82,000 |
| Scott, Missouri | 9 | $ 738,000 | $ 82,000 | $ 61,000 |
| Bollinger, Missouri | 4 | $ 596,000 | $ 149,000 | $ 130,000 |
| Christian, Missouri | 4 | $ 981,000 | $ 245,250 | $ 37,000 |
| Jackson, Missouri | 4 | $ 562,000 | $ 140,500 | $ 55,000 |
| Oregon, Missouri | 4 | $ 252,000 | $ 63,000 | $ 46,000 |
| Perry, Missouri | 4 | $ 528,000 | $ 132,000 | $ 34,000 |
| St. Charles, Missouri | 4 | $ 1,308,000 | $ 327,000 | $ 82,000 |
| Alexander, Illinois | 3 | $ 82,000 | $ 27,333 | $ 27,000 |
| Benton, Missouri | 2 | $ 541,000 | $ 270,500 | $ 27,000 |
| Chariton, Missouri | 2 | $ 138,000 | $ 69,000 | $ 55,000 |
| Cooper, Missouri | 2 | $ 284,000 | $ 142,000 | $ 59,000 |
| Johnson, Missouri | 2 | $ 638,000 | $ 319,000 | $ 193,000 |
| St. Louis, Missouri | 2 | $ 52,000 | $ 26,000 | $ 0 |
| Webster, Missouri | 2 | $ 200,000 | $ 100,000 | $ 66,000 |
| Wright, Missouri | 2 | $ 194,000 | $ 97,000 | $ 46,000 |
| Baldwin, Alabama | 1 | $ 1,405,000 | $ 1,405,000 | $ 305,000 |
| Washington, Arkansas | 1 | $ 197,000 | $ 197,000 | $ 72,000 |
| Union, Illinois | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Appanoose, Iowa | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Polk, Iowa | 1 | $ 143,000 | $ 143,000 | $ 140,000 |
| Boone, Missouri | 1 | $ 198,000 | $ 198,000 | $ 101,000 |
| Carroll, Missouri | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Cass, Missouri | 1 | $ 424,000 | $ 424,000 | $ 148,000 |
| Cedar, Missouri | 1 | $ 99,000 | $ 99,000 | $ 38,000 |
| Clay, Missouri | 1 | $ 345,000 | $ 345,000 | $ 223,000 |
| Hickory, Missouri | 1 | $ 50,000 | $ 50,000 | $ 156,000 |
| Jefferson, Missouri | 1 | $ 272,000 | $ 272,000 | $ 95,000 |
| Lawrence, Missouri | 1 | $ 270,000 | $ 270,000 | $ 84,000 |
| St. Louis City, Missouri | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Stoddard, Missouri | 1 | $ 5,000 | $ 5,000 | $ 26,000 |
| Texas, Missouri | 1 | $ 56,000 | $ 56,000 | $ 54,000 |
| Wayne, Missouri | 1 | $ 127,000 | $ 127,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2017
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 | 216 | $27,969,000 | $129,000 | $1,405,000 | $75,000 | $451,000 |
| Refinancing | 100 | $13,594,000 | $135,000 | $912,000 | $64,000 | $541,000 |
| Home Improvement | 80 | $2,057,000 | $25,000 | $166,000 | $60,000 | $306,000 |
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 | 311 | $33,510,000 | $107,000 | $1,405,000 | $79,000 | $541,000 |
| Not applicable | 35 | $6,959,000 | $198,000 | $1,275,000 | $2,000 | $74,000 |
| Hispanic | 31 | $1,856,000 | $59,000 | $462,000 | $48,000 | $100,000 |
| Asian | 7 | $507,000 | $72,000 | $198,000 | $77,000 | $101,000 |
| Black or African American | 4 | $155,000 | $38,000 | $131,000 | $34,000 | $65,000 |
| American Indian or Alaskan Native | 4 | $309,000 | $77,000 | $126,000 | $68,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $309,000 | $103,000 | $125,000 | $62,000 | $77,000 |
| Not Provided | 1 | $15,000 | $15,000 | $15,000 | $31,000 | $31,000 |
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) | 391 | $43,204,000 | $110,000 | $1,405,000 | $69,000 | $541,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $297,000 | $99,000 | $115,000 | $38,000 | $44,000 |
| FHA-insured (Federal Housing Administration) | 2 | $119,000 | $59,000 | $69,000 | $55,000 | $72,000 |
| 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 | 324 | $35,988,000 | $111,000 | $1,405,000 | $70,000 | $541,000 |
| Application Denied By Financial Institution | 36 | $3,478,000 | $96,000 | $462,000 | $47,000 | $179,000 |
| Application Withdrawn By Applicant | 35 | $3,754,000 | $107,000 | $360,000 | $76,000 | $399,000 |
| Application Approved But Not Accepted | 1 | $400,000 | $400,000 | $400,000 | $238,000 | $238,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $1,812,000 | $139,000 | $462,000 | $47,000 | $103,000 |
| Credit History | 11 | $624,000 | $56,000 | $270,000 | $44,000 | $86,000 |
| Collateral | 7 | $827,000 | $118,000 | $272,000 | $70,000 | $179,000 |
| Other | 2 | $136,000 | $68,000 | $94,000 | $22,000 | $32,000 |
| Unverifiable Information | 2 | $36,000 | $18,000 | $21,000 | $31,000 | $31,000 |
| Employment History | 1 | $43,000 | $43,000 | $43,000 | $19,000 | $19,000 |
| 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 2017 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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