Wood & Huston Bank Mortgage Lending & HMDA Data, 2021
In 2021, Wood & Huston Bank of Marshall, MO reported 521 mortgage applications totaling $91.4 million, down 23% from 2020. The average application was for $175,441, and applicants reported an average income of $100,965. 91% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cape Girardeau, MO-IL (100), Kansas City, MO-KS (100) and Springfield, MO (14) (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 | 521 |
| Total Mortgage Loan Application Amount | $91,405,000 |
| Average Mortgage Loan Application Amount | $175,441 |
| Highest Mortgage Loan Application Amount | $5,535,000 |
| Average Applicant Income | $100,965 |
| Highest Applicant Income | $1,437,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 131 | $ 13,005,000 | $ 99,274 | $ 68,000 |
| Cape Girardeau, Missouri | 98 | $ 23,210,000 | $ 236,836 | $ 113,000 |
| Lafayette, Missouri | 79 | $ 13,255,000 | $ 167,784 | $ 85,000 |
| Pettis, Missouri | 52 | $ 8,320,000 | $ 160,000 | $ 100,000 |
| Howell, Missouri | 24 | $ 2,310,000 | $ 96,250 | $ 54,000 |
| Jackson, Missouri | 15 | $ 2,765,000 | $ 184,333 | $ 132,000 |
| Scott, Missouri | 15 | $ 1,905,000 | $ 127,000 | $ 93,000 |
| Greene, Missouri | 10 | $ 2,400,000 | $ 240,000 | $ 129,000 |
| Morgan, Missouri | 8 | $ 1,040,000 | $ 130,000 | $ 137,000 |
| Boone, Missouri | 6 | $ 920,000 | $ 153,333 | $ 77,000 |
| Bay, Florida | 3 | $ 445,000 | $ 148,333 | $ 142,000 |
| Johnson, Kansas | 3 | $ 465,000 | $ 155,000 | $ 90,000 |
| Lafayette, Mississippi | 3 | $ 835,000 | $ 278,333 | $ 237,000 |
| Callaway, Missouri | 3 | $ 4,695,000 | $ 1,565,000 | $ 0 |
| Camden, Missouri | 3 | $ 1,325,000 | $ 441,666 | $ 633,000 |
| Cole, Missouri | 3 | $ 715,000 | $ 238,333 | $ 188,000 |
| Cooper, Missouri | 3 | $ 885,000 | $ 295,000 | $ 100,000 |
| Johnson, Missouri | 3 | $ 735,000 | $ 245,000 | $ 104,000 |
| St. Louis, Missouri | 3 | $ 755,000 | $ 251,666 | $ 198,000 |
| Taney, Missouri | 3 | $ 855,000 | $ 285,000 | $ 262,000 |
| Baxter, Arkansas | 2 | $ 210,000 | $ 105,000 | $ 83,000 |
| Lee, Florida | 2 | $ 400,000 | $ 200,000 | $ 300,000 |
| Marshall, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 209,000 |
| Barry, Missouri | 2 | $ 460,000 | $ 230,000 | $ 35,000 |
| Benton, Missouri | 2 | $ 300,000 | $ 150,000 | $ 59,000 |
| Bollinger, Missouri | 2 | $ 200,000 | $ 100,000 | $ 118,000 |
| Carroll, Missouri | 2 | $ 390,000 | $ 195,000 | $ 209,000 |
| Christian, Missouri | 2 | $ 1,490,000 | $ 745,000 | $ 0 |
| Clay, Missouri | 2 | $ 500,000 | $ 250,000 | $ 416,000 |
| Douglas, Missouri | 2 | $ 610,000 | $ 305,000 | $ 151,000 |
| Moniteau, Missouri | 2 | $ 200,000 | $ 100,000 | $ 71,000 |
| Ozark, Missouri | 2 | $ 320,000 | $ 160,000 | $ 31,000 |
| Perry, Missouri | 2 | $ 250,000 | $ 125,000 | $ 75,000 |
| Shannon, Missouri | 2 | $ 160,000 | $ 80,000 | $ 95,000 |
| St. Charles, Missouri | 2 | $ 690,000 | $ 345,000 | $ 267,000 |
| Stone, Missouri | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Parker, Texas | 2 | $ 720,000 | $ 360,000 | $ 259,000 |
| Benton, Arkansas | 1 | $ 455,000 | $ 455,000 | $ 89,000 |
| Lee, Georgia | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Jackson, Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| White, Illinois | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Hamilton, Indiana | 1 | $ 185,000 | $ 185,000 | $ 177,000 |
| Sedgwick, Kansas | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Fulton, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Cedar, Missouri | 1 | $ 175,000 | $ 175,000 | $ 16,000 |
| Henry, Missouri | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Howard, Missouri | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| New Madrid, Missouri | 1 | $ 195,000 | $ 195,000 | $ 152,000 |
| Oregon, Missouri | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Platte, Missouri | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Polk, Missouri | 1 | $ 275,000 | $ 275,000 | $ 71,000 |
| St. Clair, Missouri | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Stoddard, Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wayne, Missouri | 1 | $ 445,000 | $ 445,000 | $ 124,000 |
| Webster, Missouri | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Loudon, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2021
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 | 269 | $40,995,000 | $152,000 | $1,245,000 | $103,000 | $799,000 |
| Refinancing | 142 | $35,220,000 | $248,000 | $5,535,000 | $108,000 | $1,437,000 |
| Cash-out Refinancing | 96 | $13,670,000 | $142,000 | $405,000 | $83,000 | $313,000 |
| Other Purpose | 10 | $1,380,000 | $138,000 | $275,000 | $106,000 | $336,000 |
| Home Improvement | 4 | $140,000 | $35,000 | $75,000 | $133,000 | $267,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 422 | $63,480,000 | $150,000 | $1,245,000 | $103,000 | $1,437,000 |
| Not applicable | 57 | $24,395,000 | $427,000 | $5,535,000 | $125,000 | $125,000 |
| Hispanic | 27 | $2,075,000 | $76,000 | $225,000 | $79,000 | $267,000 |
| Asian | 5 | $505,000 | $101,000 | $245,000 | $36,000 | $94,000 |
| Black or African American | 5 | $495,000 | $99,000 | $165,000 | $66,000 | $96,000 |
| Not Provided | 3 | $215,000 | $71,000 | $105,000 | $68,000 | $115,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $72,000 | $72,000 |
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) | 517 | $90,995,000 | $176,000 | $5,535,000 | $101,000 | $1,437,000 |
| FHA-insured (Federal Housing Administration) | 4 | $410,000 | $102,000 | $135,000 | $34,000 | $42,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 476 | $85,250,000 | $179,000 | $5,535,000 | $100,000 | $799,000 |
| Application Withdrawn By Applicant | 33 | $4,645,000 | $140,000 | $545,000 | $128,000 | $1,437,000 |
| Application Denied By Financial Institution | 11 | $1,405,000 | $127,000 | $355,000 | $58,000 | $137,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 510 | $90,000,000 | $176,000 | $5,535,000 | $101,000 | $1,437,000 |
| Debt-To-Income Ratio | 5 | $735,000 | $147,000 | $355,000 | $58,000 | $137,000 |
| Credit History | 4 | $360,000 | $90,000 | $195,000 | $17,000 | $17,000 |
| Collateral | 2 | $310,000 | $155,000 | $225,000 | $98,000 | $98,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2021 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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