Wood & Huston Bank Mortgage Lending & HMDA Data, 2023
In 2023, Wood & Huston Bank of Marshall, MO reported 251 mortgage applications totaling $48.2 million, down 38% from 2022. The average application was for $192,171, and applicants reported an average income of $118,896. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Kansas City, MO-KS (60), Cape Girardeau, MO-IL (39) and Springfield, MO (10) (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 | 251 |
| Total Mortgage Loan Application Amount | $48,235,000 |
| Average Mortgage Loan Application Amount | $192,171 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $118,896 |
| Highest Applicant Income | $1,047,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 68 | $ 7,710,000 | $ 113,382 | $ 80,000 |
| Lafayette, Missouri | 46 | $ 7,650,000 | $ 166,304 | $ 90,000 |
| Cape Girardeau, Missouri | 38 | $ 9,530,000 | $ 250,789 | $ 164,000 |
| Pettis, Missouri | 25 | $ 4,785,000 | $ 191,400 | $ 104,000 |
| Howell, Missouri | 10 | $ 1,030,000 | $ 103,000 | $ 72,000 |
| Jackson, Missouri | 8 | $ 1,870,000 | $ 233,750 | $ 164,000 |
| Boone, Missouri | 6 | $ 1,820,000 | $ 303,333 | $ 165,000 |
| Greene, Missouri | 5 | $ 1,155,000 | $ 231,000 | $ 88,000 |
| Johnson, Missouri | 4 | $ 1,340,000 | $ 335,000 | $ 289,000 |
| Carroll, Missouri | 3 | $ 305,000 | $ 101,666 | $ 73,000 |
| Christian, Missouri | 3 | $ 1,135,000 | $ 378,333 | $ 161,000 |
| Scott, Missouri | 3 | $ 225,000 | $ 75,000 | $ 114,000 |
| Dubuque, Iowa | 2 | $ 660,000 | $ 330,000 | $ 256,000 |
| Benton, Missouri | 2 | $ 170,000 | $ 85,000 | $ 61,000 |
| Camden, Missouri | 2 | $ 1,410,000 | $ 705,000 | $ 860,000 |
| Clay, Missouri | 2 | $ 1,130,000 | $ 565,000 | $ 225,000 |
| Dallas, Missouri | 2 | $ 720,000 | $ 360,000 | $ 92,000 |
| Morgan, Missouri | 2 | $ 600,000 | $ 300,000 | $ 223,000 |
| Taney, Missouri | 2 | $ 520,000 | $ 260,000 | $ 232,000 |
| Randolph, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 178,000 |
| Okeechobee, Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fulton, Illinois | 1 | $ 35,000 | $ 35,000 | $ 204,000 |
| Saline, Illinois | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Johnson, Kansas | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Bollinger, Missouri | 1 | $ 235,000 | $ 235,000 | $ 107,000 |
| Cass, Missouri | 1 | $ 225,000 | $ 225,000 | $ 51,000 |
| Cole, Missouri | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Henry, Missouri | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Howard, Missouri | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Lawrence, Missouri | 1 | $ 225,000 | $ 225,000 | $ 170,000 |
| Moniteau, Missouri | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| New Madrid, Missouri | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Platte, Missouri | 1 | $ 1,405,000 | $ 1,405,000 | $ 289,000 |
| Ray, Missouri | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| Shannon, Missouri | 1 | $ 125,000 | $ 125,000 | $ 180,000 |
| Stone, Missouri | 1 | $ 475,000 | $ 475,000 | $ 118,000 |
| Pickens, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2023
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 | 187 | $38,465,000 | $205,000 | $1,405,000 | $131,000 | $1,047,000 |
| Refinancing | 30 | $5,750,000 | $191,000 | $1,305,000 | $94,000 | $380,000 |
| Cash-out Refinancing | 15 | $1,875,000 | $125,000 | $315,000 | $79,000 | $208,000 |
| Home Improvement | 13 | $1,315,000 | $101,000 | $295,000 | $69,000 | $162,000 |
| Other Purpose | 6 | $830,000 | $138,000 | $275,000 | $74,000 | $103,000 |
| 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 | 181 | $35,555,000 | $196,000 | $1,405,000 | $123,000 | $1,047,000 |
| Not applicable | 34 | $7,150,000 | $210,000 | $1,305,000 | $0 | $0 |
| Hispanic | 23 | $2,385,000 | $103,000 | $315,000 | $73,000 | $208,000 |
| Asian | 5 | $945,000 | $189,000 | $285,000 | $109,000 | $196,000 |
| Black or African American | 5 | $1,005,000 | $201,000 | $295,000 | $113,000 | $193,000 |
| Not Provided | 2 | $290,000 | $145,000 | $175,000 | $127,000 | $211,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 251 | $48,235,000 | $192,000 | $1,405,000 | $119,000 | $1,047,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 230 | $42,930,000 | $186,000 | $1,305,000 | $119,000 | $1,047,000 |
| Application Withdrawn By Applicant | 14 | $3,820,000 | $272,000 | $1,405,000 | $134,000 | $289,000 |
| Application Denied By Financial Institution | 5 | $1,115,000 | $223,000 | $525,000 | $77,000 | $130,000 |
| Application Approved But Not Accepted | 2 | $370,000 | $185,000 | $295,000 | $105,000 | $162,000 |
| 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 | 251 | $48,235,000 | $192,000 | $1,405,000 | $119,000 | $1,047,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2023 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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