Wood & Huston Bank Mortgage Lending & HMDA Data, 2024
In 2024, Wood & Huston Bank of Marshall, MO reported 268 mortgage applications totaling $50.7 million, up 7% from 2023. The average application was for $189,179, and applicants reported an average income of $123,123. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Kansas City, MO-KS (45), Cape Girardeau, MO-IL (33) and Columbia, MO (15) (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 | 268 |
| Total Mortgage Loan Application Amount | $50,700,000 |
| Average Mortgage Loan Application Amount | $189,179 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $123,123 |
| Highest Applicant Income | $787,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 159 | $ 27,405,000 | $ 172,358 | $ 111,100 |
| Kansas City, MO-KS | 45 | $ 8,455,000 | $ 187,888 | $ 134,000 |
| Cape Girardeau, MO-IL | 33 | $ 6,205,000 | $ 188,030 | $ 134,000 |
| Columbia, MO | 15 | $ 3,795,000 | $ 253,000 | $ 147,000 |
| Jefferson City, MO | 7 | $ 1,765,000 | $ 252,142 | $ 125,000 |
| Springfield, MO | 4 | $ 1,810,000 | $ 452,500 | $ 253,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Jacksonville, FL | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Joplin, MO | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| St. Louis, MO-IL | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Tulsa, OK | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2024
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 | 172 | $33,810,000 | $196,000 | $1,575,000 | $124,000 | $787,000 |
| Refinancing | 52 | $11,400,000 | $219,000 | $785,000 | $150,000 | $570,000 |
| Cash-out Refinancing | 25 | $3,215,000 | $128,000 | $505,000 | $79,000 | $186,000 |
| Home Improvement | 10 | $1,010,000 | $101,000 | $255,000 | $94,000 | $198,000 |
| Other Purpose | 9 | $1,265,000 | $140,000 | $555,000 | $106,000 | $225,000 |
| 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 | 195 | $39,075,000 | $200,000 | $1,505,000 | $125,000 | $787,000 |
| Not applicable | 40 | $6,320,000 | $158,000 | $585,000 | $0 | $0 |
| Hispanic | 26 | $2,600,000 | $100,000 | $365,000 | $78,000 | $212,000 |
| Asian | 3 | $685,000 | $228,000 | $365,000 | $98,000 | $156,000 |
| Not Provided | 2 | $380,000 | $190,000 | $255,000 | $318,000 | $588,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $37,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,575,000 | $1,575,000 | $1,575,000 | $618,000 | $618,000 |
| American Indian or Alaskan Native | 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) | 267 | $50,505,000 | $189,000 | $1,575,000 | $123,000 | $787,000 |
| FHA-insured (Federal Housing Administration) | 1 | $195,000 | $195,000 | $195,000 | $68,000 | $68,000 |
| 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 | 235 | $44,395,000 | $188,000 | $1,575,000 | $126,000 | $787,000 |
| Application Withdrawn By Applicant | 18 | $4,270,000 | $237,000 | $1,505,000 | $104,000 | $505,000 |
| Application Denied By Financial Institution | 12 | $1,370,000 | $114,000 | $215,000 | $58,000 | $88,000 |
| Application Approved But Not Accepted | 3 | $665,000 | $221,000 | $355,000 | $129,000 | $156,000 |
| 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 | 268 | $50,700,000 | $189,000 | $1,575,000 | $122,000 | $787,000 |
| 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 2024 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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