Wood & Huston Bank Mortgage Lending & HMDA Data, 2022
In 2022, Wood & Huston Bank of Marshall, MO reported 407 mortgage applications totaling $86.0 million, down 22% from 2021. The average application was for $211,240, and applicants reported an average income of $93,437. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Kansas City, MO-KS (75), Cape Girardeau, MO-IL (51) and Columbia, MO (19) (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 | 407 |
| Total Mortgage Loan Application Amount | $85,975,000 |
| Average Mortgage Loan Application Amount | $211,240 |
| Highest Mortgage Loan Application Amount | $6,105,000 |
| Average Applicant Income | $93,437 |
| Highest Applicant Income | $502,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 124 | $ 12,380,000 | $ 99,838 | $ 79,000 |
| Lafayette, Missouri | 61 | $ 8,045,000 | $ 131,885 | $ 81,000 |
| Cape Girardeau, Missouri | 51 | $ 16,685,000 | $ 327,156 | $ 95,000 |
| Pettis, Missouri | 35 | $ 5,785,000 | $ 165,285 | $ 89,000 |
| Boone, Missouri | 18 | $ 10,800,000 | $ 600,000 | $ 135,000 |
| Howell, Missouri | 16 | $ 2,430,000 | $ 151,875 | $ 59,000 |
| Jackson, Missouri | 11 | $ 3,435,000 | $ 312,272 | $ 132,000 |
| Greene, Missouri | 10 | $ 2,480,000 | $ 248,000 | $ 137,000 |
| Scott, Missouri | 10 | $ 1,090,000 | $ 109,000 | $ 81,000 |
| Carroll, Missouri | 7 | $ 565,000 | $ 80,714 | $ 71,000 |
| Johnson, Missouri | 7 | $ 1,475,000 | $ 210,714 | $ 134,000 |
| Benton, Missouri | 6 | $ 1,220,000 | $ 203,333 | $ 170,000 |
| Morgan, Missouri | 6 | $ 1,550,000 | $ 258,333 | $ 63,000 |
| Christian, Missouri | 4 | $ 790,000 | $ 197,500 | $ 151,000 |
| Camden, Missouri | 3 | $ 1,475,000 | $ 491,666 | $ 274,000 |
| Henry, Missouri | 3 | $ 705,000 | $ 235,000 | $ 128,000 |
| Santa Rosa, Florida | 2 | $ 550,000 | $ 275,000 | $ 71,000 |
| Callaway, Missouri | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Lawrence, Missouri | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Benton, Arkansas | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Washington, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| Jefferson, Colorado | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Bay, Florida | 1 | $ 185,000 | $ 185,000 | $ 141,000 |
| Escambia, Florida | 1 | $ 555,000 | $ 555,000 | $ 233,000 |
| Orange, Florida | 1 | $ 285,000 | $ 285,000 | $ 144,000 |
| Palm Beach, Florida | 1 | $ 155,000 | $ 155,000 | $ 12,000 |
| Jersey, Illinois | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Madison, Illinois | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Butler, Kansas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Johnson, Kansas | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Lafayette, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 502,000 |
| Clay, Missouri | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Cooper, Missouri | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Miller, Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| New Madrid, Missouri | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Perry, Missouri | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Ray, Missouri | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Shannon, Missouri | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| St. Clair, Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. Francois, Missouri | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| St. Louis, Missouri | 1 | $ 385,000 | $ 385,000 | $ 143,000 |
| St. Louis City, Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Ste. Genevieve, Missouri | 1 | $ 1,085,000 | $ 1,085,000 | $ 162,000 |
| Stone, Missouri | 1 | $ 295,000 | $ 295,000 | $ 232,000 |
| Taney, Missouri | 1 | $ 315,000 | $ 315,000 | $ 22,000 |
| Wright, Missouri | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Clarke, Virginia | 1 | $ 5,805,000 | $ 5,805,000 | $ 0 |
| Dane, 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.
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