Mercer County, MO Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 79 mortgage applications in Mercer County, MO totaling $10.1 million, down 26% from 2021. The average application was for $127,000, and applicants reported an average income of $85,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was US Bank, N.A., with 10 applications, followed by PennyMac Loan Services LLC and Flat Branch Mortgage, Inc..
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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 | 79 |
| Total Mortgage Loan Application Amount | $10,095,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $272,000 |
| 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 |
* | $ 564,154,604,000 | 10 | $ 990,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 905,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 4 | $ 520,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 3 | $ 785,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 445,000 |
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ 907,625,000 | 3 | $ 165,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 335,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 13,339,325,000 | 3 | $ 345,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 530,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 2 | $ 60,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 600,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 220,000 |
| Farmers State Bank 124 E 3RD ST. CAMERON, MO 64429 |
* | $ 308,971,000 | 1 | $ 25,000 |
| United Consumers Credit Union 1111 E 23RD ST S INDEPENDENCE, MO 64055 |
* | $ 185,511,000 | 1 | $ 305,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 1,000,538,000 | 1 | $ 15,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 922,179,000 | 1 | $ 135,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 7,187,889,000 | 1 | $ 65,000 |
| First Option Bank 702 BAPTISTE DR. PAOLA, KS 66071 |
* | $ 608,633,000 | 1 | $ 225,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 105,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 125,000 |
| Trubank 1401 N JEFFERSON WAY INDIANOLA, IA 50125 |
* | $ 412,884,000 | 1 | $ 215,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 1 | $ 55,000 |
| Blue Grass Savings Bank 104 E. MAYNE PO BOX 248 BLUE GRASS, IA 52726 |
* | $ 229,467,000 | 1 | $ 75,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 185,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 35,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ -1,000 | 1 | $ 215,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 65,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 35,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 3,828,717,000 | 1 | $ 85,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 85,000 |
| Public Safety Credit Union 2800 E 14TH ST KANSAS CITY, MO 64127 |
* | $ 183,359,000 | 1 | $ 85,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,832,277,000 | 1 | $ 185,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 175,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 55,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 1 | $ 105,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2022 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 2022
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 | 53 | $6,815,000 | $128,000 | $345,000 | $82,000 | $199,000 |
| Cash-out Refinancing | 13 | $2,245,000 | $172,000 | $535,000 | $104,000 | $272,000 |
| Refinancing | 6 | $720,000 | $120,000 | $365,000 | $68,000 | $103,000 |
| Home Improvement | 4 | $140,000 | $35,000 | $55,000 | $111,000 | $190,000 |
| Other Purpose | 3 | $175,000 | $58,000 | $85,000 | $40,000 | $48,000 |
| Not Applicable | 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 | 52 | $6,290,000 | $120,000 | $535,000 | $83,000 | $272,000 |
| Not Provided | 15 | $2,405,000 | $160,000 | $365,000 | $88,000 | $187,000 |
| Not applicable | 8 | $840,000 | $105,000 | $175,000 | $0 | $0 |
| Hispanic | 2 | $250,000 | $125,000 | $125,000 | $74,000 | $79,000 |
| Black or African American | 1 | $185,000 | $185,000 | $185,000 | $174,000 | $174,000 |
| 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 |
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) | 47 | $5,655,000 | $120,000 | $365,000 | $98,000 | $272,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,705,000 | $113,000 | $195,000 | $56,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,105,000 | $191,000 | $535,000 | $84,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $630,000 | $105,000 | $185,000 | $36,000 | $48,000 |
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 | 44 | $5,230,000 | $118,000 | $345,000 | $86,000 | $272,000 |
| Application Withdrawn By Applicant | 14 | $2,040,000 | $145,000 | $535,000 | $81,000 | $199,000 |
| Application Denied By Financial Institution | 10 | $1,560,000 | $156,000 | $365,000 | $95,000 | $187,000 |
| Loan Purchased By The Institution | 6 | $680,000 | $113,000 | $175,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $295,000 | $98,000 | $135,000 | $40,000 | $54,000 |
| Application Approved But Not Accepted | 2 | $290,000 | $145,000 | $185,000 | $101,000 | $174,000 |
| 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 | 64 | $8,080,000 | $126,000 | $535,000 | $80,000 | $272,000 |
| Debt-To-Income Ratio | 8 | $790,000 | $98,000 | $215,000 | $122,000 | $190,000 |
| Credit History | 5 | $785,000 | $157,000 | $365,000 | $68,000 | $102,000 |
| Collateral | 1 | $255,000 | $255,000 | $255,000 | $187,000 | $187,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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