Wood & Huston Bank Mortgage Lending & HMDA Data, 2010
In 2010, Wood & Huston Bank of Marshall, MO reported 367 mortgage applications totaling $38.5 million, down 53% from 2009. The average application was for $105,029, and applicants reported an average income of $51,433. 69% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cape Girardeau-Jackson, MO-IL (78), Springfield, MO (19) and Kansas City, MO-KS (7) (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 | 367 |
| Total Mortgage Loan Application Amount | $38,546,000 |
| Average Mortgage Loan Application Amount | $105,029 |
| Highest Mortgage Loan Application Amount | $6,500,000 |
| Average Applicant Income | $51,433 |
| Highest Applicant Income | $302,000 |
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Act (HMDA) records Wood & Huston Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 170 | $20,133,000 | $118,000 | $980,000 | $51,000 | $302,000 |
| Home Purchase | 144 | $17,602,000 | $122,000 | $6,500,000 | $51,000 | $223,000 |
| Home Improvement | 53 | $811,000 | $15,000 | $126,000 | $54,000 | $240,000 |
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 | 299 | $23,867,000 | $79,000 | $400,000 | $58,000 | $302,000 |
| Not applicable | 33 | $12,901,000 | $390,000 | $6,500,000 | $2,000 | $73,000 |
| Hispanic | 22 | $1,185,000 | $53,000 | $244,000 | $40,000 | $86,000 |
| Black or African American | 12 | $590,000 | $49,000 | $248,000 | $52,000 | $129,000 |
| Asian | 1 | $3,000 | $3,000 | $3,000 | $37,000 | $37,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 359 | $37,743,000 | $105,000 | $6,500,000 | $52,000 | $302,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $547,000 | $91,000 | $145,000 | $42,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 2 | $256,000 | $128,000 | $130,000 | $54,000 | $55,000 |
| 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 | 254 | $28,236,000 | $111,000 | $6,500,000 | $52,000 | $302,000 |
| Application Denied By Financial Institution | 70 | $5,943,000 | $84,000 | $360,000 | $44,000 | $187,000 |
| Application Withdrawn By Applicant | 38 | $3,887,000 | $102,000 | $400,000 | $64,000 | $235,000 |
| Application Approved But Not Accepted | 5 | $480,000 | $96,000 | $248,000 | $52,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 32 | $1,863,000 | $58,000 | $232,000 | $39,000 | $92,000 |
| Debt-To-Income Ratio | 10 | $1,209,000 | $120,000 | $225,000 | $45,000 | $89,000 |
| Collateral | 6 | $685,000 | $114,000 | $227,000 | $80,000 | $187,000 |
| Other | 6 | $303,000 | $50,000 | $135,000 | $34,000 | $61,000 |
| Mortgage Insurance Denied | 2 | $189,000 | $94,000 | $141,000 | $36,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wood & Huston Bank's 2010 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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