Wood & Huston Bank Mortgage Lending & HMDA Data, 2004
In 2004, Wood & Huston Bank of Marshall, MO reported 851 mortgage applications totaling $70.4 million, down 29% from 2003. The average application was for $82,781, and applicants reported an average income of $52,424. 77% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Springfield, MO (104), 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 | 851 |
| Total Mortgage Loan Application Amount | $70,447,000 |
| Average Mortgage Loan Application Amount | $82,781 |
| Highest Mortgage Loan Application Amount | $2,808,000 |
| Average Applicant Income | $52,424 |
| Highest Applicant Income | $457,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 458 | $32,947,000 | $144,800 | $800,000 | $103,400 | $457,000 |
| Refinancing | 340 | $37,149,000 | $77,500 | $2,808,000 | $63,000 | $457,000 |
| Home Improvement | 53 | $351,000 | $5,500 | $37,000 | $34,500 | $101,000 |
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 | 736 | $62,521,000 | $103,000 | $2,808,000 | $90,857 | $457,000 |
| Hispanic | 62 | $2,910,000 | $46,000 | $110,000 | $29,000 | $68,000 |
| Black or African American | 18 | $900,000 | $50,000 | $122,000 | $39,000 | $79,000 |
| Not Provided | 13 | $613,000 | $25,000 | $133,000 | $27,666 | $73,000 |
| Not applicable | 11 | $2,162,000 | $196,000 | $722,000 | $46,000 | $444,000 |
| Asian | 7 | $918,000 | $131,000 | $179,000 | $57,000 | $95,000 |
| American Indian or Alaskan Native | 4 | $423,000 | $105,000 | $143,000 | $56,000 | $86,000 |
| 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) | 826 | $68,776,000 | $92,428 | $2,808,000 | $85,142 | $457,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $972,000 | $60,000 | $79,000 | $23,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 6 | $499,000 | $83,000 | $148,000 | $57,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 3 | $200,000 | $66,000 | $84,000 | $41,000 | $49,000 |
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 | 657 | $57,617,000 | $103,000 | $2,808,000 | $89,285 | $457,000 |
| Application Denied By Financial Institution | 130 | $7,330,000 | $22,333 | $200,000 | $26,333 | $328,000 |
| Application Withdrawn By Applicant | 51 | $4,411,000 | $86,000 | $200,000 | $63,000 | $354,000 |
| Application Approved But Not Accepted | 11 | $959,000 | $87,000 | $200,000 | $49,000 | $123,000 |
| File Closed For Incompleteness | 2 | $130,000 | $65,000 | $110,000 | $21,000 | $31,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $26,000 | $8,000 | $21,000 | $30,000 | $50,000 |
| Debt-To-Income Ratio | 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2004 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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