Wood & Huston Bank Mortgage Lending & HMDA Data, 2019
In 2019, Wood & Huston Bank of Marshall, MO reported 357 mortgage applications totaling $63.6 million, up 19% from 2018. The average application was for $178,053, and applicants reported an average income of $92,752. 86% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cape Girardeau, MO-IL (62), Kansas City, MO-KS (40) and Springfield, MO (23) (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 | 357 |
| Total Mortgage Loan Application Amount | $63,565,000 |
| Average Mortgage Loan Application Amount | $178,053 |
| Highest Mortgage Loan Application Amount | $5,955,000 |
| Average Applicant Income | $92,752 |
| Highest Applicant Income | $2,227,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 220 | $ 26,950,000 | $ 122,500 | $ 91,168 |
| Cape Girardeau, MO-IL | 62 | $ 18,380,000 | $ 296,451 | $ 89,000 |
| Kansas City, MO-KS | 40 | $ 7,950,000 | $ 198,750 | $ 92,550 |
| Springfield, MO | 23 | $ 3,075,000 | $ 133,695 | $ 77,000 |
| Columbia, MO | 7 | $ 6,185,000 | $ 883,571 | $ 157,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 305,000 | $ 305,000 | $ 259,000 |
| Decatur, IL | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Joplin, MO | 1 | $ 325,000 | $ 325,000 | $ 34,000 |
| Knoxville, TN | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2019
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 | 227 | $44,025,000 | $193,000 | $5,955,000 | $100,000 | $2,227,000 |
| Refinancing | 72 | $13,980,000 | $194,000 | $2,505,000 | $80,000 | $272,000 |
| Cash-out Refinancing | 46 | $4,920,000 | $106,000 | $465,000 | $80,000 | $254,000 |
| Home Improvement | 11 | $605,000 | $55,000 | $105,000 | $80,000 | $202,000 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| 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 | 280 | $42,540,000 | $151,000 | $2,755,000 | $97,000 | $2,227,000 |
| Not applicable | 36 | $18,500,000 | $513,000 | $5,955,000 | $0 | $0 |
| Hispanic | 33 | $1,935,000 | $58,000 | $155,000 | $61,000 | $135,000 |
| Asian | 4 | $390,000 | $97,000 | $125,000 | $66,000 | $107,000 |
| Black or African American | 2 | $130,000 | $65,000 | $75,000 | $68,000 | $78,000 |
| American Indian or Alaskan Native | 2 | $70,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Not Provided | 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) | 354 | $63,320,000 | $178,000 | $5,955,000 | $93,000 | $2,227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $170,000 | $85,000 | $105,000 | $35,000 | $41,000 |
| FHA-insured (Federal Housing Administration) | 1 | $75,000 | $75,000 | $75,000 | $59,000 | $59,000 |
| 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 | 306 | $57,620,000 | $188,000 | $5,955,000 | $97,000 | $2,227,000 |
| Application Withdrawn By Applicant | 31 | $4,115,000 | $132,000 | $615,000 | $84,000 | $260,000 |
| Application Denied By Financial Institution | 19 | $1,655,000 | $87,000 | $535,000 | $44,000 | $70,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 357 | $63,565,000 | $178,000 | $5,955,000 | $92,000 | $2,227,000 |
| 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 2019 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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