Wood & Huston Bank Mortgage Lending & HMDA Data, 2018
In 2018, Wood & Huston Bank of Marshall, MO reported 299 mortgage applications totaling $36.9 million, down 24% from 2017. The average application was for $123,461, and applicants reported an average income of $88,658. 83% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cape Girardeau, MO-IL (62), Kansas City, MO-KS (41) and Springfield, MO (29) (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 | 299 |
| Total Mortgage Loan Application Amount | $36,915,000 |
| Average Mortgage Loan Application Amount | $123,461 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $88,658 |
| Highest Applicant Income | $2,542,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 154 | $ 15,860,000 | $ 102,987 | $ 80,000 |
| Cape Girardeau, MO-IL | 62 | $ 8,410,000 | $ 135,645 | $ 72,000 |
| Kansas City, MO-KS | 41 | $ 5,535,000 | $ 135,000 | $ 158,000 |
| Springfield, MO | 29 | $ 4,745,000 | $ 163,620 | $ 62,000 |
| St. Louis, MO-IL | 4 | $ 700,000 | $ 175,000 | $ 109,000 |
| Carbondale-Marion, IL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Columbia, MO | 1 | $ 215,000 | $ 215,000 | $ 29,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Fort Collins, CO | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Jefferson City, MO | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Joplin, MO | 1 | $ 75,000 | $ 75,000 | $ 107,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Manhattan, KS | 1 | $ 155,000 | $ 155,000 | $ 135,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 385,000 | $ 385,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2018
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 | 209 | $25,805,000 | $123,000 | $955,000 | $79,000 | $418,000 |
| Refinancing | 55 | $7,895,000 | $143,000 | $695,000 | $139,000 | $2,542,000 |
| Cash-out Refinancing | 27 | $2,935,000 | $108,000 | $265,000 | $65,000 | $256,000 |
| Home Improvement | 6 | $150,000 | $25,000 | $55,000 | $72,000 | $98,000 |
| Other Purpose | 2 | $130,000 | $65,000 | $65,000 | $83,000 | $119,000 |
| 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 | 255 | $31,615,000 | $123,000 | $955,000 | $89,000 | $2,542,000 |
| Not applicable | 24 | $3,980,000 | $165,000 | $535,000 | $0 | $0 |
| Hispanic | 16 | $940,000 | $58,000 | $125,000 | $67,000 | $167,000 |
| Asian | 2 | $270,000 | $135,000 | $155,000 | $74,000 | $97,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $28,000 | $28,000 |
| Not Provided | 1 | $25,000 | $25,000 | $25,000 | $135,000 | $135,000 |
| 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) | 294 | $36,270,000 | $123,000 | $955,000 | $89,000 | $2,542,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $485,000 | $161,000 | $255,000 | $46,000 | $59,000 |
| FHA-insured (Federal Housing Administration) | 2 | $160,000 | $80,000 | $115,000 | $35,000 | $36,000 |
| 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 | 247 | $30,065,000 | $121,000 | $695,000 | $92,000 | $2,542,000 |
| Application Denied By Financial Institution | 27 | $3,205,000 | $118,000 | $955,000 | $51,000 | $136,000 |
| Application Withdrawn By Applicant | 24 | $3,290,000 | $137,000 | $305,000 | $87,000 | $293,000 |
| Application Approved But Not Accepted | 1 | $355,000 | $355,000 | $355,000 | $152,000 | $152,000 |
| 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 | 299 | $36,915,000 | $123,000 | $955,000 | $88,000 | $2,542,000 |
| 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 2018 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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