Wood & Huston Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Wood & Huston Bank 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 407 |
| Total Mortgage Loan Application Amount | $85,975,000 |
| Average Mortgage Loan Application Amount | $190,800 |
| Highest Mortgage Loan Application Amount | $6,105,000 |
| Average Applicant Income | $80,200 |
| Highest Applicant Income | $502,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Wood & Huston Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Wood & Huston Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Wood & Huston Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Wood & Huston Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Wood & Huston Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Wood & Huston Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Saline County Missouri | 124 | $ 12,380,000 | $ 99,000 | $ 79,000 |
| Lafayette County Missouri | 61 | $ 8,045,000 | $ 131,000 | $ 81,000 |
| Cape Girardeau County Missouri | 51 | $ 16,685,000 | $ 327,000 | $ 95,000 |
| Pettis County Missouri | 35 | $ 5,785,000 | $ 165,000 | $ 89,000 |
| Boone County Missouri | 18 | $ 10,800,000 | $ 600,000 | $ 135,000 |
| Howell County Missouri | 16 | $ 2,430,000 | $ 151,000 | $ 59,000 |
| Jackson County Missouri | 11 | $ 3,435,000 | $ 312,000 | $ 132,000 |
| Greene County Missouri | 10 | $ 2,480,000 | $ 248,000 | $ 137,000 |
| Scott County Missouri | 10 | $ 1,090,000 | $ 109,000 | $ 81,000 |
| Carroll County Missouri | 7 | $ 565,000 | $ 80,000 | $ 71,000 |
| Johnson County Missouri | 7 | $ 1,475,000 | $ 210,000 | $ 134,000 |
| Benton County Missouri | 6 | $ 1,220,000 | $ 203,000 | $ 170,000 |
| Morgan County Missouri | 6 | $ 1,550,000 | $ 258,000 | $ 63,000 |
| Christian County Missouri | 4 | $ 790,000 | $ 197,000 | $ 151,000 |
| Camden County Missouri | 3 | $ 1,475,000 | $ 491,000 | $ 274,000 |
| Henry County Missouri | 3 | $ 705,000 | $ 235,000 | $ 128,000 |
| Santa Rosa County Florida | 2 | $ 550,000 | $ 275,000 | $ 71,000 |
| Callaway County Missouri | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Lawrence County Missouri | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Benton County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Washington County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| Jefferson County Colorado | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Bay County Florida | 1 | $ 185,000 | $ 185,000 | $ 141,000 |
| Escambia County Florida | 1 | $ 555,000 | $ 555,000 | $ 233,000 |
| Orange County Florida | 1 | $ 285,000 | $ 285,000 | $ 144,000 |
| Palm Beach County Florida | 1 | $ 155,000 | $ 155,000 | $ 12,000 |
| Jersey County Illinois | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Madison County Illinois | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Butler County Kansas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Johnson County Kansas | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Lafayette County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 502,000 |
| Clay County Missouri | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Cooper County Missouri | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Miller County Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| New Madrid County Missouri | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Perry County Missouri | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Ray County Missouri | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Shannon County Missouri | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| St. Clair County Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. Francois County Missouri | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| St. Louis County Missouri | 1 | $ 385,000 | $ 385,000 | $ 143,000 |
| St. Louis City County Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Ste. Genevieve County Missouri | 1 | $ 1,085,000 | $ 1,085,000 | $ 162,000 |
| Stone County Missouri | 1 | $ 295,000 | $ 295,000 | $ 232,000 |
| Taney County Missouri | 1 | $ 315,000 | $ 315,000 | $ 22,000 |
| Wright County Missouri | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Clarke County Virginia | 1 | $ 5,805,000 | $ 5,805,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 445,000 | $ 445,000 | $ 165,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2022
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 | 280 | $49,110,000 | $175,000 | $2,605,000 | $101,000 | $502,000 |
| Refinancing | 64 | $30,020,000 | $469,000 | $6,105,000 | $75,000 | $340,000 |
| Cash-out Refinancing | 30 | $4,410,000 | $147,000 | $555,000 | $81,000 | $233,000 |
| Home Improvement | 23 | $1,415,000 | $61,000 | $155,000 | $83,000 | $194,000 |
| Other Purpose | 10 | $1,020,000 | $102,000 | $355,000 | $61,000 | $125,000 |
| 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 | 260 | $42,300,000 | $162,000 | $1,085,000 | $97,000 | $502,000 |
| Not applicable | 77 | $34,865,000 | $452,000 | $6,105,000 | $0 | $0 |
| Hispanic | 42 | $3,830,000 | $91,000 | $205,000 | $78,000 | $185,000 |
| Not Provided | 6 | $820,000 | $136,000 | $325,000 | $75,000 | $105,000 |
| Black or African American | 6 | $520,000 | $86,000 | $175,000 | $87,000 | $131,000 |
| Asian | 5 | $1,445,000 | $289,000 | $345,000 | $82,000 | $141,000 |
| American Indian or Alaskan Native | 3 | $735,000 | $245,000 | $295,000 | $117,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $95,000 | $82,000 | $82,000 |
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) | 406 | $85,860,000 | $211,000 | $6,105,000 | $94,000 | $502,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $115,000 | $115,000 | $115,000 | $39,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 373 | $79,415,000 | $212,000 | $6,105,000 | $96,000 | $502,000 |
| Application Withdrawn By Applicant | 26 | $5,280,000 | $203,000 | $1,105,000 | $76,000 | $195,000 |
| Application Denied By Financial Institution | 8 | $1,280,000 | $160,000 | $345,000 | $54,000 | $122,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 399 | $84,695,000 | $212,000 | $6,105,000 | $95,000 | $502,000 |
| Credit History | 4 | $450,000 | $112,000 | $205,000 | $15,000 | $15,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $260,000 | $130,000 | $145,000 | $47,000 | $47,000 |
| Debt-To-Income Ratio | 1 | $345,000 | $345,000 | $345,000 | $40,000 | $40,000 |
| Employment History | 1 | $225,000 | $225,000 | $225,000 | $122,000 | $122,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2022 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.