Wood & Huston Bank Mortgage Lending & HMDA Data, 2020
In 2020, Wood & Huston Bank of Marshall, MO reported 680 mortgage applications totaling $111.7 million, up 90% from 2019. The average application was for $164,205, and applicants reported an average income of $102,263. 91% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cape Girardeau, MO-IL (178), Kansas City, MO-KS (86) and Springfield, MO (48) (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 | 680 |
| Total Mortgage Loan Application Amount | $111,660,000 |
| Average Mortgage Loan Application Amount | $164,205 |
| Highest Mortgage Loan Application Amount | $2,685,000 |
| Average Applicant Income | $102,263 |
| Highest Applicant Income | $1,104,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 337 | $ 44,115,000 | $ 130,905 | $ 97,940 |
| Cape Girardeau, MO-IL | 178 | $ 38,000,000 | $ 213,483 | $ 105,000 |
| Kansas City, MO-KS | 86 | $ 14,240,000 | $ 165,581 | $ 103,209 |
| Springfield, MO | 48 | $ 7,200,000 | $ 150,000 | $ 79,000 |
| Columbia, MO | 7 | $ 1,085,000 | $ 155,000 | $ 154,000 |
| St. Louis, MO-IL | 5 | $ 1,645,000 | $ 329,000 | $ 128,000 |
| Albany, GA | 3 | $ 795,000 | $ 265,000 | $ 134,000 |
| Jefferson City, MO | 2 | $ 320,000 | $ 160,000 | $ 42,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 630,000 | $ 315,000 | $ 103,000 |
| Bend-Redmond, OR | 1 | $ 225,000 | $ 225,000 | $ 362,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 315,000 | $ 315,000 | $ 124,000 |
| Carbondale-Marion, IL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 385,000 | $ 385,000 | $ 195,000 |
| Decatur, IL | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 1,155,000 | $ 1,155,000 | $ 720,000 |
| Eugene, OR | 1 | $ 105,000 | $ 105,000 | $ 362,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 165,000 | $ 165,000 | $ 122,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 19,000 |
| Joplin, MO | 1 | $ 285,000 | $ 285,000 | $ 119,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| St. Joseph, MO-KS | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2020
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 | 261 | $37,705,000 | $144,000 | $1,155,000 | $95,000 | $897,000 |
| Refinancing | 253 | $47,935,000 | $189,000 | $2,685,000 | $116,000 | $1,104,000 |
| Cash-out Refinancing | 152 | $25,160,000 | $165,000 | $515,000 | $96,000 | $311,000 |
| Home Improvement | 12 | $730,000 | $60,000 | $225,000 | $49,000 | $99,000 |
| Other Purpose | 2 | $130,000 | $65,000 | $105,000 | $108,000 | $118,000 |
| 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 | 581 | $95,525,000 | $164,000 | $1,155,000 | $104,000 | $1,104,000 |
| Not applicable | 58 | $11,180,000 | $192,000 | $2,685,000 | $127,000 | $127,000 |
| Hispanic | 28 | $2,590,000 | $92,000 | $305,000 | $72,000 | $150,000 |
| Black or African American | 4 | $460,000 | $115,000 | $175,000 | $50,000 | $77,000 |
| American Indian or Alaskan Native | 2 | $490,000 | $245,000 | $425,000 | $127,000 | $156,000 |
| Asian | 2 | $440,000 | $220,000 | $365,000 | $87,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $90,000 | $90,000 |
| Not Provided | 1 | $165,000 | $165,000 | $165,000 | $83,000 | $83,000 |
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) | 677 | $111,395,000 | $164,000 | $2,685,000 | $102,000 | $1,104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $265,000 | $88,000 | $115,000 | $63,000 | $87,000 |
| 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 | 616 | $101,770,000 | $165,000 | $2,685,000 | $103,000 | $1,104,000 |
| Application Withdrawn By Applicant | 42 | $7,600,000 | $180,000 | $585,000 | $100,000 | $199,000 |
| Application Denied By Financial Institution | 19 | $2,115,000 | $111,000 | $265,000 | $61,000 | $123,000 |
| Application Approved But Not Accepted | 3 | $175,000 | $58,000 | $65,000 | $170,000 | $244,000 |
| 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 | 680 | $111,660,000 | $164,000 | $2,685,000 | $102,000 | $1,104,000 |
| 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 2020 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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