Missouri
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 312,237
Total Mortgage Loan Application Amount $53,471,487,000
Average Mortgage Loan Application Amount $171,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $74,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for Missouri in 2016

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 149,527 $26,242,156,000 $175,000 $99,999,000 $71,000 $7,306,000
Refinancing 145,070 $25,570,823,000 $176,000 $99,999,000 $77,000 $9,999,000
Home Improvement 17,640 $1,658,508,000 $94,000 $67,750,000 $80,000 $8,187,000

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 218,498 $36,069,046,000 $165,000 $99,999,000 $86,000 $9,999,000
Not applicable 45,060 $9,887,334,000 $219,000 $67,750,000 $13,000 $1,749,000
Not Provided 21,919 $3,482,142,000 $158,000 $10,001,000 $85,000 $7,306,000
Black or African American 14,120 $1,844,605,000 $130,000 $3,937,000 $60,000 $4,474,000
Hispanic 5,615 $790,379,000 $140,000 $1,475,000 $70,000 $3,757,000
Asian 5,000 $1,122,861,000 $224,000 $4,280,000 $118,000 $2,540,000
American Indian or Alaskan Native 1,540 $202,796,000 $131,000 $998,000 $61,000 $840,000
Native Hawaiin or Other Pacific Islander 485 $72,324,000 $149,000 $952,000 $78,000 $1,250,000

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) 207,714 $37,856,119,000 $182,000 $99,999,000 $91,000 $9,999,000
FHA-insured (Federal Housing Administration) 64,373 $9,019,187,000 $140,000 $67,750,000 $41,000 $1,272,000
VA-guaranteed (Veterans Administration) 28,847 $5,257,639,000 $182,000 $10,001,000 $49,000 $1,440,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11,303 $1,338,542,000 $118,000 $10,001,000 $34,000 $1,381,000

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 165,943 $29,966,614,000 $180,000 $67,750,000 $87,000 $9,999,000
Loan Purchased By The Institution 57,724 $10,106,556,000 $175,000 $63,909,000 $39,000 $1,749,000
Application Denied By Financial Institution 42,434 $5,871,737,000 $138,000 $99,999,000 $68,000 $6,679,000
Application Withdrawn By Applicant 29,541 $5,072,407,000 $171,000 $55,500,000 $83,000 $7,682,000
File Closed For Incompleteness 9,394 $1,351,349,000 $143,000 $6,500,000 $66,000 $4,440,000
Application Approved But Not Accepted 7,198 $1,102,322,000 $153,000 $4,597,000 $83,000 $4,261,000
Preapproval Denied by Financial Institution 2 $350,000 $175,000 $178,000 $68,000 $93,000
Preapproval Approved but not Accepted 1 $152,000 $152,000 $152,000 $144,000 $144,000

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 7,062 $759,078,000 $107,000 $10,001,000 $67,000 $2,374,000
Debt-To-Income Ratio 4,905 $731,291,000 $149,000 $2,100,000 $54,000 $2,736,000
Collateral 4,505 $669,565,000 $148,000 $4,400,000 $83,000 $2,083,000
Credit Application Incomplete 2,674 $428,466,000 $160,000 $5,450,000 $79,000 $6,679,000
Other 1,670 $356,279,000 $213,000 $99,999,000 $78,000 $1,776,000
Unverifiable Information 801 $120,953,000 $151,000 $2,960,000 $81,000 $1,218,000
Insufficient Cash (Downpayment, Closing Cost) 613 $90,357,000 $147,000 $2,214,000 $67,000 $775,000
Employment History 347 $43,623,000 $125,000 $645,000 $55,000 $416,000
Mortgage Insurance Denied 10 $895,000 $89,000 $214,000 $48,000 $166,000
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Mortgage Loan Application Totals in 2016 by Missouri Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
CAPE GIRARDEAU, MO-IL 4,113 $ 607,623,000 $ 147,000 $ 70,000
COLUMBIA, MO 7,927 $ 1,494,849,000 $ 188,000 $ 81,000
JEFFERSON CITY, MO 6,031 $ 812,290,000 $ 134,000 $ 63,000
JOPLIN, MO 7,806 $ 924,397,000 $ 118,000 $ 58,000
KANSAS CITY, MO-KS 69,400 $ 12,211,712,000 $ 175,000 $ 73,000
SPRINGFIELD, MO 24,337 $ 3,668,371,000 $ 150,000 $ 64,000
ST. JOSEPH, MO-KS 4,325 $ 563,727,000 $ 130,000 $ 65,000
ST. LOUIS, MO-IL 134,399 $ 26,359,206,000 $ 196,000 $ 82,000
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Mortgage Loan Application Totals in 2016 by Missouri County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adair 423 $ 50,535,000 $ 119,000 $ 71,000
Andrew 828 $ 128,975,000 $ 155,000 $ 74,000
Atchison 129 $ 15,436,000 $ 119,000 $ 57,000
Audrain 555 $ 56,666,000 $ 102,000 $ 52,000
Barry 1,485 $ 167,812,000 $ 113,000 $ 66,000
Barton 308 $ 34,307,000 $ 111,000 $ 50,000
Bates 586 $ 69,359,000 $ 118,000 $ 62,000
Benton 741 $ 83,509,000 $ 112,000 $ 63,000
Bollinger 433 $ 45,322,000 $ 104,000 $ 49,000
Boone 8,225 $ 1,543,748,000 $ 187,000 $ 81,000
Buchanan 3,211 $ 403,001,000 $ 125,000 $ 63,000
Butler 1,417 $ 178,321,000 $ 125,000 $ 60,000
Caldwell 348 $ 40,949,000 $ 117,000 $ 61,000
Callaway 1,923 $ 249,037,000 $ 129,000 $ 58,000
Camden 3,635 $ 681,458,000 $ 187,000 $ 127,000
Cape Girardeau 3,694 $ 563,342,000 $ 152,000 $ 73,000
Carroll 193 $ 18,760,000 $ 97,000 $ 55,000
Carter 135 $ 15,474,000 $ 114,000 $ 58,000
Cass 6,518 $ 1,113,102,000 $ 170,000 $ 72,000
Cedar 536 $ 56,294,000 $ 105,000 $ 54,000
Chariton 134 $ 13,408,000 $ 100,000 $ 77,000
Christian 5,713 $ 959,440,000 $ 167,000 $ 65,000
Clark 68 $ 8,744,000 $ 128,000 $ 63,000
Clay 16,136 $ 2,938,234,000 $ 182,000 $ 72,000
Clinton 1,143 $ 160,059,000 $ 140,000 $ 65,000
Cole 3,183 $ 440,668,000 $ 138,000 $ 67,000
Cooper 555 $ 62,501,000 $ 112,000 $ 60,000
Crawford 1,014 $ 111,579,000 $ 110,000 $ 59,000
Dade 276 $ 30,085,000 $ 109,000 $ 56,000
Dallas 716 $ 84,961,000 $ 118,000 $ 51,000
Daviess 251 $ 38,885,000 $ 154,000 $ 98,000
DeKalb 288 $ 31,993,000 $ 111,000 $ 60,000
Dent 443 $ 50,524,000 $ 114,000 $ 57,000
Douglas 375 $ 42,162,000 $ 112,000 $ 57,000
Dunklin 525 $ 44,750,000 $ 85,000 $ 55,000
Franklin 5,339 $ 826,735,000 $ 154,000 $ 66,000
Gasconade 531 $ 66,034,000 $ 124,000 $ 60,000
Gentry 166 $ 17,399,000 $ 104,000 $ 65,000
Greene 14,587 $ 2,210,658,000 $ 151,000 $ 66,000
Grundy 182 $ 22,222,000 $ 122,000 $ 62,000
Harrison 135 $ 22,148,000 $ 164,000 $ 67,000
Henry 915 $ 100,550,000 $ 109,000 $ 60,000
Hickory 348 $ 31,438,000 $ 90,000 $ 57,000
Holt 122 $ 12,212,000 $ 100,000 $ 61,000
Howard 312 $ 35,811,000 $ 114,000 $ 60,000
Howell 1,097 $ 114,908,000 $ 104,000 $ 52,000
Iron 281 $ 33,318,000 $ 118,000 $ 51,000
Jackson 35,616 $ 6,127,815,000 $ 172,000 $ 72,000
Jasper 5,276 $ 604,937,000 $ 114,000 $ 56,000
Jefferson 15,120 $ 2,321,116,000 $ 153,000 $ 60,000
Johnson 2,448 $ 376,678,000 $ 153,000 $ 59,000
Knox 32 $ 2,938,000 $ 91,000 $ 53,000
Laclede 1,280 $ 146,806,000 $ 114,000 $ 47,000
Lafayette 1,464 $ 199,028,000 $ 135,000 $ 62,000
Lawrence 1,579 $ 167,260,000 $ 105,000 $ 54,000
Lewis 119 $ 10,883,000 $ 91,000 $ 56,000
Lincoln 3,775 $ 562,899,000 $ 149,000 $ 56,000
Linn 300 $ 29,090,000 $ 96,000 $ 63,000
Livingston 290 $ 36,624,000 $ 126,000 $ 54,000
Macon 281 $ 28,229,000 $ 100,000 $ 53,000
Madison 397 $ 43,869,000 $ 110,000 $ 51,000
Maries 300 $ 39,827,000 $ 132,000 $ 56,000
Marion 857 $ 100,778,000 $ 117,000 $ 67,000
McDonald 749 $ 76,146,000 $ 101,000 $ 56,000
Mercer 63 $ 6,880,000 $ 109,000 $ 79,000
Miller 874 $ 133,327,000 $ 152,000 $ 72,000
Mississippi 253 $ 21,248,000 $ 83,000 $ 50,000
Moniteau 493 $ 63,178,000 $ 128,000 $ 61,000
Monroe 167 $ 20,692,000 $ 123,000 $ 68,000
Montgomery 382 $ 42,098,000 $ 110,000 $ 53,000
Morgan 898 $ 134,034,000 $ 149,000 $ 89,000
New Madrid 440 $ 43,018,000 $ 97,000 $ 55,000
Newton 2,565 $ 321,437,000 $ 125,000 $ 62,000
Nodaway 651 $ 82,025,000 $ 125,000 $ 64,000
Oregon 202 $ 18,450,000 $ 91,000 $ 49,000
Osage 516 $ 68,711,000 $ 133,000 $ 57,000
Ozark 242 $ 28,921,000 $ 119,000 $ 58,000
Pemiscot 316 $ 28,529,000 $ 90,000 $ 56,000
Perry 935 $ 112,661,000 $ 120,000 $ 55,000
Pettis 1,303 $ 176,472,000 $ 135,000 $ 60,000
Phelps 1,261 $ 169,456,000 $ 134,000 $ 64,000
Pike 570 $ 68,861,000 $ 120,000 $ 64,000
Platte 6,599 $ 1,445,788,000 $ 219,000 $ 91,000
Polk 1,480 $ 189,751,000 $ 128,000 $ 55,000
Pulaski 1,983 $ 283,603,000 $ 143,000 $ 46,000
Putnam 75 $ 14,602,000 $ 194,000 $ 100,000
Ralls 375 $ 43,868,000 $ 116,000 $ 64,000
Randolph 612 $ 64,603,000 $ 105,000 $ 48,000
Ray 1,036 $ 123,183,000 $ 118,000 $ 61,000
Reynolds 175 $ 15,739,000 $ 89,000 $ 57,000
Ripley 395 $ 39,151,000 $ 99,000 $ 64,000
Saline 744 $ 70,466,000 $ 94,000 $ 53,000
Schuyler 38 $ 3,273,000 $ 86,000 $ 76,000
Scotland 41 $ 4,130,000 $ 100,000 $ 63,000
Scott 1,341 $ 142,855,000 $ 106,000 $ 58,000
Shannon 183 $ 19,082,000 $ 104,000 $ 49,000
Shelby 53 $ 4,914,000 $ 92,000 $ 51,000
St. Charles 32,582 $ 6,310,992,000 $ 193,000 $ 77,000
St. Clair 191 $ 23,574,000 $ 123,000 $ 50,000
St. Francois 2,649 $ 314,918,000 $ 118,000 $ 55,000
St. Louis 61,246 $ 13,708,464,000 $ 223,000 $ 97,000
St. Louis City 14,215 $ 2,286,111,000 $ 160,000 $ 71,000
Ste. Genevieve 902 $ 121,529,000 $ 134,000 $ 66,000
Stoddard 887 $ 90,346,000 $ 101,000 $ 55,000
Stone 2,058 $ 332,363,000 $ 161,000 $ 81,000
Sullivan 89 $ 9,130,000 $ 102,000 $ 77,000
Taney 2,496 $ 349,047,000 $ 139,000 $ 66,000
Texas 889 $ 115,726,000 $ 130,000 $ 51,000
Vernon 604 $ 66,692,000 $ 110,000 $ 57,000
Warren 2,288 $ 366,463,000 $ 160,000 $ 69,000
Washington 694 $ 72,058,000 $ 103,000 $ 55,000
Wayne 321 $ 28,571,000 $ 89,000 $ 55,000
Webster 1,894 $ 229,142,000 $ 120,000 $ 54,000
Worth 41 $ 3,500,000 $ 85,000 $ 65,000
Wright 547 $ 57,580,000 $ 105,000 $ 62,000
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