Mercer County, MO Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 67 mortgage applications in Mercer County, MO totaling $6.5 million, up 43% from 2014. The average application was for $96,000, and applicants reported an average income of $75,000. 60% of applications resulted in an originated loan and 22% were denied. The most active lender was US Bank, N.A., with 24 applications, followed by Great Western Bank and Wells Fargo Bank NA.
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| 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 | 67 |
| Total Mortgage Loan Application Amount | $6,481,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,193,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 24 | $ 1,438,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 8 | $ 1,760,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 4 | $ 483,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 152,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 1,988,059,000 | 2 | $ 75,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 180,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 861,430,000 | 1 | $ 260,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 146,069,000 | 1 | $ 70,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 191,162,000 | 1 | $ 75,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 30,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,040,462,000 | 1 | $ 15,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 70,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 73,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 69,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,448,928,000 | 1 | $ 44,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,448,393,000 | 1 | $ 350,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 295,627,000 | 1 | $ 160,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 90,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 70,000 |
| First Missouri Bank PO BOX 190 BROOKFIELD, MO 64628 |
* | $ 164,865,000 | 1 | $ 100,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 4,800,524,000 | 1 | $ 42,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 98,658,000 | 1 | $ 180,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,640,538,000 | 1 | $ 45,000 |
The tables below break down 2015 mortgage applications in Mercer County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Mercer County, MO in 2015
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 | 35 | $3,427,000 | $97,000 | $960,000 | $90,000 | $1,193,000 |
| Home Purchase | 25 | $2,624,000 | $104,000 | $350,000 | $60,000 | $190,000 |
| Home Improvement | 7 | $430,000 | $61,000 | $120,000 | $59,000 | $80,000 |
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 | 53 | $4,959,000 | $93,000 | $960,000 | $80,000 | $1,193,000 |
| Not Provided | 11 | $1,344,000 | $122,000 | $350,000 | $70,000 | $104,000 |
| Not applicable | 2 | $114,000 | $57,000 | $70,000 | $13,000 | $26,000 |
| Hispanic | 1 | $64,000 | $64,000 | $64,000 | $45,000 | $45,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 52 | $5,101,000 | $98,000 | $960,000 | $82,000 | $1,193,000 |
| FHA-insured (Federal Housing Administration) | 8 | $921,000 | $115,000 | $260,000 | $66,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $231,000 | $57,000 | $70,000 | $26,000 | $29,000 |
| VA-guaranteed (Veterans Administration) | 3 | $228,000 | $76,000 | $90,000 | $49,000 | $53,000 |
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 | 40 | $4,437,000 | $110,000 | $960,000 | $88,000 | $1,193,000 |
| Application Denied By Financial Institution | 15 | $855,000 | $57,000 | $160,000 | $48,000 | $104,000 |
| Loan Purchased By The Institution | 6 | $597,000 | $99,000 | $260,000 | $59,000 | $144,000 |
| Application Withdrawn By Applicant | 4 | $330,000 | $82,000 | $135,000 | $57,000 | $80,000 |
| File Closed For Incompleteness | 2 | $262,000 | $131,000 | $160,000 | $124,000 | $145,000 |
| Application Approved But Not Accepted | 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 | 5 | $234,000 | $46,000 | $84,000 | $50,000 | $77,000 |
| Debt-To-Income Ratio | 2 | $133,000 | $66,000 | $72,000 | $30,000 | $36,000 |
| Collateral | 2 | $240,000 | $120,000 | $160,000 | $89,000 | $104,000 |
| Credit Application Incomplete | 2 | $113,000 | $56,000 | $70,000 | $23,000 | $33,000 |
| Other | 2 | $65,000 | $32,000 | $35,000 | $67,000 | $104,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $40,000 | $40,000 |
| 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 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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