Wood & Huston Bank Mortgage Lending & HMDA Data, 2006
In 2006, Wood & Huston Bank of Marshall, MO reported 764 mortgage applications totaling $85.3 million, up 7% from 2005. The average application was for $111,628, and applicants reported an average income of $54,570. 77% of its applications resulted in an originated loan and 15% were denied. Its largest market was Springfield, MO (71).
| 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 | 764 |
| Total Mortgage Loan Application Amount | $85,284,000 |
| Average Mortgage Loan Application Amount | $111,628 |
| Highest Mortgage Loan Application Amount | $8,448,000 |
| Average Applicant Income | $54,570 |
| Highest Applicant Income | $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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, MO | 71 | $ 19,003,000 | $ 267,647 | $ 68,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2006
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 | 391 | $41,463,000 | $106,000 | $8,448,000 | $54,000 | $437,000 |
| Refinancing | 311 | $42,720,000 | $137,000 | $4,000,000 | $56,000 | $360,000 |
| Home Improvement | 62 | $1,101,000 | $17,000 | $125,000 | $51,000 | $275,000 |
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 | 623 | $57,510,000 | $92,000 | $2,000,000 | $58,000 | $360,000 |
| Hispanic | 95 | $6,285,000 | $66,000 | $240,000 | $36,000 | $90,000 |
| Not applicable | 29 | $10,984,000 | $378,000 | $4,000,000 | $48,000 | $437,000 |
| Not Provided | 6 | $9,408,000 | $1,568,000 | $8,448,000 | $7,000 | $26,000 |
| Asian | 5 | $688,000 | $137,000 | $400,000 | $30,000 | $53,000 |
| Black or African American | 4 | $188,000 | $47,000 | $126,000 | $35,000 | $74,000 |
| American Indian or Alaskan Native | 2 | $221,000 | $110,000 | $215,000 | $66,000 | $111,000 |
| 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) | 732 | $82,966,000 | $113,000 | $8,448,000 | $55,000 | $437,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $1,851,000 | $68,000 | $138,000 | $33,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 3 | $236,000 | $78,000 | $94,000 | $40,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 2 | $231,000 | $115,000 | $195,000 | $66,000 | $72,000 |
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 | 591 | $61,138,000 | $103,000 | $4,000,000 | $58,000 | $437,000 |
| Application Denied By Financial Institution | 111 | $17,408,000 | $156,000 | $8,448,000 | $37,000 | $240,000 |
| Application Withdrawn By Applicant | 51 | $5,735,000 | $112,000 | $722,000 | $53,000 | $263,000 |
| Application Approved But Not Accepted | 8 | $699,000 | $87,000 | $224,000 | $91,000 | $217,000 |
| File Closed For Incompleteness | 3 | $304,000 | $101,000 | $120,000 | $37,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 1 | $416,000 | $416,000 | $416,000 | $155,000 | $155,000 |
| 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 |
| Debt-To-Income Ratio | 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 2006 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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