Wood & Huston Bank Mortgage Lending & HMDA Data, 2003
In 2003, Wood & Huston Bank of Marshall, MO reported 1,206 mortgage applications totaling $98.3 million. The average application was for $81,471, and applicants reported an average income of $52,503. 79% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Springfield, MO (142), Kansas City, MO-KS (13) and St. Louis, MO-IL (4) (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 | 1,206 |
| Total Mortgage Loan Application Amount | $98,255,000 |
| Average Mortgage Loan Application Amount | $81,471 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $52,503 |
| Highest Applicant Income | $606,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Wood & Huston Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 658 | $60,190,000 | $98,200 | $323,000 | $108,800 | $292,000 |
| Home Purchase (one-to-four family) | 476 | $37,667,000 | $263,000 | $700,000 | $62,166 | $606,000 |
| Home Improvement (one-to-four family) | 72 | $398,000 | $5,333 | $50,000 | $46,666 | $78,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,096 | $91,677,000 | $189,428 | $700,000 | $80,857 | $606,000 |
| Hispanic | 46 | $2,574,000 | $55,000 | $122,000 | $45,000 | $138,000 |
| Information not provided by applicant in mail or telephone application | 30 | $1,518,000 | $39,666 | $284,000 | $38,333 | $148,000 |
| Black | 11 | $430,000 | $39,000 | $110,000 | $37,000 | $78,000 |
| Asian or Pacific Islander | 8 | $1,034,000 | $129,000 | $225,000 | $89,000 | $185,000 |
| Not applicable | 8 | $447,000 | $55,000 | $86,000 | $42,000 | $150,000 |
| Other | 4 | $429,000 | $107,000 | $179,000 | $72,000 | $89,000 |
| American Indian or Alaskan Native | 3 | $146,000 | $48,000 | $92,000 | $104,000 | $259,000 |
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) | 1,196 | $97,635,000 | $187,142 | $700,000 | $76,857 | $606,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $563,000 | $62,000 | $77,000 | $25,000 | $41,000 |
| FHA-insured (Federal Housing Administration) | 1 | $57,000 | $57,000 | $57,000 | $25,000 | $25,000 |
| 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 | 958 | $81,501,000 | $201,833 | $700,000 | $97,500 | $606,000 |
| Application Denied By Financial Institution | 166 | $10,390,000 | $66,200 | $284,000 | $39,800 | $148,000 |
| Application Withdrawn By Applicant | 79 | $6,124,000 | $37,666 | $300,000 | $51,333 | $133,000 |
| Application Approved But Not Accepted | 2 | $180,000 | $90,000 | $112,000 | $27,000 | $36,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $19,000 | $19,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 54 | $2,460,000 | $46,000 | $110,000 | $30,000 | $94,000 |
| Debt-To-Income Ratio | 21 | $1,715,000 | $81,000 | $185,000 | $60,000 | $148,000 |
| Collateral | 9 | $627,000 | $68,500 | $155,000 | $35,500 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $140,000 | $46,000 | $86,000 | $21,000 | $45,000 |
| Other | 3 | $150,000 | $50,000 | $70,000 | $9,000 | $13,000 |
| Employment History | 2 | $81,000 | $40,500 | $80,000 | $32,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2003 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.
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