Mercer County, MO Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 65 mortgage applications in Mercer County, MO totaling $4.7 million, about the same as 2017. The average application was for $72,000, and applicants reported an average income of $61,000. 49% of applications resulted in an originated loan and 25% were denied. The most active lender was US Bank, N.A., with 16 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 | 65 |
| Total Mortgage Loan Application Amount | $4,715,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $176,000 |
| 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 |
* | $ 456,025,829,000 | 16 | $ 1,060,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 10 | $ 460,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 240,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 215,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 90,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 15,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 294,547,000 | 1 | $ 25,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 45,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 45,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 175,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 65,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 45,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 85,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,727,667,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 95,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 65,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 85,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 25,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 55,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 344,820,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 85,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 113,346,000 | 1 | $ 45,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 465,000 |
The tables below break down 2018 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 2018
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 | 25 | $1,725,000 | $69,000 | $125,000 | $49,000 | $132,000 |
| Refinancing | 16 | $960,000 | $60,000 | $185,000 | $63,000 | $157,000 |
| Cash-out Refinancing | 13 | $1,325,000 | $101,000 | $465,000 | $60,000 | $125,000 |
| Home Improvement | 6 | $190,000 | $31,000 | $55,000 | $84,000 | $176,000 |
| Other Purpose | 4 | $450,000 | $112,000 | $245,000 | $88,000 | $176,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 44 | $3,230,000 | $73,000 | $465,000 | $65,000 | $176,000 |
| Hispanic | 10 | $740,000 | $74,000 | $125,000 | $47,000 | $63,000 |
| Not Provided | 6 | $460,000 | $76,000 | $175,000 | $58,000 | $157,000 |
| Not applicable | 4 | $260,000 | $65,000 | $85,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $39,000 | $39,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 46 | $2,900,000 | $63,000 | $245,000 | $64,000 | $176,000 |
| FHA-insured (Federal Housing Administration) | 9 | $655,000 | $72,000 | $95,000 | $35,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 7 | $945,000 | $135,000 | $465,000 | $88,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $215,000 | $71,000 | $85,000 | $32,000 | $34,000 |
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 | 32 | $2,640,000 | $82,000 | $465,000 | $52,000 | $157,000 |
| Application Denied By Financial Institution | 16 | $950,000 | $59,000 | $175,000 | $79,000 | $176,000 |
| Application Withdrawn By Applicant | 11 | $735,000 | $66,000 | $125,000 | $64,000 | $132,000 |
| Loan Purchased By The Institution | 4 | $260,000 | $65,000 | $85,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $85,000 | $85,000 | $85,000 | $31,000 | $31,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $55,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 49 | $3,765,000 | $76,000 | $465,000 | $55,000 | $157,000 |
| Collateral | 8 | $590,000 | $73,000 | $175,000 | $113,000 | $176,000 |
| Credit History | 4 | $150,000 | $37,000 | $85,000 | $51,000 | $94,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $11,000 | $11,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $20,000 | $20,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $91,000 | $91,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $36,000 | $36,000 |
| 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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