Wood & Huston Bank Mortgage Lending & HMDA Data, 2021
In 2021, Wood & Huston Bank of Marshall, MO reported 521 mortgage applications totaling $91.4 million, down 23% from 2020. The average application was for $175,441, and applicants reported an average income of $100,965. 91% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cape Girardeau, MO-IL (100), Kansas City, MO-KS (100) and Springfield, MO (14) (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 | 521 |
| Total Mortgage Loan Application Amount | $91,405,000 |
| Average Mortgage Loan Application Amount | $175,441 |
| Highest Mortgage Loan Application Amount | $5,535,000 |
| Average Applicant Income | $100,965 |
| Highest Applicant Income | $1,437,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 271 | $ 34,885,000 | $ 128,726 | $ 90,686 |
| Cape Girardeau, MO-IL | 100 | $ 23,410,000 | $ 234,100 | $ 113,000 |
| Kansas City, MO-KS | 100 | $ 17,180,000 | $ 171,800 | $ 99,700 |
| Springfield, MO | 14 | $ 4,270,000 | $ 305,000 | $ 122,000 |
| Columbia, MO | 10 | $ 1,900,000 | $ 190,000 | $ 81,000 |
| Jefferson City, MO | 8 | $ 5,610,000 | $ 701,250 | $ 141,000 |
| St. Louis, MO-IL | 5 | $ 1,445,000 | $ 289,000 | $ 225,000 |
| Panama City, FL | 3 | $ 445,000 | $ 148,333 | $ 142,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 400,000 | $ 200,000 | $ 300,000 |
| Fort Worth-Arlington, TX | 2 | $ 720,000 | $ 360,000 | $ 259,000 |
| Albany, GA | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Carbondale-Marion, IL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 455,000 | $ 455,000 | $ 89,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 185,000 | $ 185,000 | $ 177,000 |
| Knoxville, TN | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Wichita, KS | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2021
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 | 269 | $40,995,000 | $152,000 | $1,245,000 | $103,000 | $799,000 |
| Refinancing | 142 | $35,220,000 | $248,000 | $5,535,000 | $108,000 | $1,437,000 |
| Cash-out Refinancing | 96 | $13,670,000 | $142,000 | $405,000 | $83,000 | $313,000 |
| Other Purpose | 10 | $1,380,000 | $138,000 | $275,000 | $106,000 | $336,000 |
| Home Improvement | 4 | $140,000 | $35,000 | $75,000 | $133,000 | $267,000 |
| 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 | 422 | $63,480,000 | $150,000 | $1,245,000 | $103,000 | $1,437,000 |
| Not applicable | 57 | $24,395,000 | $427,000 | $5,535,000 | $125,000 | $125,000 |
| Hispanic | 27 | $2,075,000 | $76,000 | $225,000 | $79,000 | $267,000 |
| Asian | 5 | $505,000 | $101,000 | $245,000 | $36,000 | $94,000 |
| Black or African American | 5 | $495,000 | $99,000 | $165,000 | $66,000 | $96,000 |
| Not Provided | 3 | $215,000 | $71,000 | $105,000 | $68,000 | $115,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $72,000 | $72,000 |
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) | 517 | $90,995,000 | $176,000 | $5,535,000 | $101,000 | $1,437,000 |
| FHA-insured (Federal Housing Administration) | 4 | $410,000 | $102,000 | $135,000 | $34,000 | $42,000 |
| 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 | 476 | $85,250,000 | $179,000 | $5,535,000 | $100,000 | $799,000 |
| Application Withdrawn By Applicant | 33 | $4,645,000 | $140,000 | $545,000 | $128,000 | $1,437,000 |
| Application Denied By Financial Institution | 11 | $1,405,000 | $127,000 | $355,000 | $58,000 | $137,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 510 | $90,000,000 | $176,000 | $5,535,000 | $101,000 | $1,437,000 |
| Debt-To-Income Ratio | 5 | $735,000 | $147,000 | $355,000 | $58,000 | $137,000 |
| Credit History | 4 | $360,000 | $90,000 | $195,000 | $17,000 | $17,000 |
| Collateral | 2 | $310,000 | $155,000 | $225,000 | $98,000 | $98,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2021 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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