In 2011, lenders reported 177 mortgage applications in Monroe County, MO totaling $15.5 million, up 2% from 2010. The average application was for $87,000, and applicants reported an average income of $52,000. 46% of applications resulted in an originated loan and 28% were denied. The most active lender was Hnb National Bank, with 44 applications, followed by Bank of America NA and JPMorgan Chase 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 | 177 |
| Total Mortgage Loan Application Amount | $15,538,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $238,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 326,129,000 | 44 | $ 3,456,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 13 | $ 1,401,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 9 | $ 733,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 10,684,654,000 | 8 | $ 507,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 701,000 |
| F & M Bank and Trust Company PO BOX 938 HANNIBAL, MO 63401 |
* | $ 175,889,000 | 6 | $ 438,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 843,305,000 | 5 | $ 380,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 473,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 4 | $ 474,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 365,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 297,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 4 | $ 287,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 256,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 3 | $ 216,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 3 | $ 425,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 3 | $ 351,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,466,563,000 | 2 | $ 187,000 |
| Bank Star 1999 W OSAGE PACIFIC, MO 63069 |
* | $ 68,165,000 | 2 | $ 90,000 |
| Mercantile Bank 200 NORTH 33RD ST QUINCY, IL 62305 |
* | $ 679,697,000 | 2 | $ 204,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 241,311,000 | 2 | $ 24,000 |
| Citizens Bank and Trust Company 7553 NW BARRY ROAD KANSAS CITY, MO 64153 |
* | $ 996,019,000 | 2 | $ 132,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 19,413,461,000 | 2 | $ 207,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 156,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 50,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 136,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 2 | $ 205,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 394,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SAINT LOUIS, MO 63141 |
* | $ 10,000,000 | 1 | $ 73,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,233,182,000 | 1 | $ 15,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 837,325,000 | 1 | $ 80,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 224,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 1 | $ 201,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 106,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 265,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 26,432,928,000 | 1 | $ 108,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 1 | $ 155,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 815,892,000 | 1 | $ 123,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 273,670,000 | 1 | $ 87,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,632,607,000 | 1 | $ 58,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 406,317,000 | 1 | $ 99,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ 254,276,000 | 1 | $ 14,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 110,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,813,152,000 | 1 | $ 41,000 |
| Martinsburg Bank and Trust 107 W KELLETT P O BOX 66 MARTINSBURG, MO 65264 |
* | $ 182,527,000 | 1 | $ 4,000 |
| Commercial Trust Company 119 NORTH MAIN STREET FAYETTE, MO 65248 |
* | $ 103,913,000 | 1 | $ 10,000 |
| Heartland Bank 212 SOUTH CENTRAL ST. LOUIS, MO 63105 |
* | $ 889,445,000 | 1 | $ 49,000 |
| Platte Valley Bank of Missouri PO BOX 1250 PLATTE CITY, MO 64079 |
* | $ 348,730,000 | 1 | $ 18,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 106,362,000 | 1 | $ 110,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 681,222,000 | 1 | $ 8,000 |
| Mill City Credit Union 9999 WAYZATA BOULEVARD MINNETONKA, MN 55305 |
* | $ 273,029,000 | 1 | $ 175,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,276,258,000 | 1 | $ 137,000 |
The tables below break down 2011 mortgage applications in Monroe County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 93 | $8,661,000 | $93,000 | $325,000 | $54,000 | $238,000 |
| Home Purchase | 69 | $5,994,000 | $86,000 | $265,000 | $51,000 | $152,000 |
| Home Improvement | 15 | $883,000 | $58,000 | $205,000 | $51,000 | $131,000 |
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 | 149 | $13,062,000 | $87,000 | $325,000 | $55,000 | $152,000 |
| Not Provided | 14 | $1,402,000 | $100,000 | $222,000 | $72,000 | $238,000 |
| Not applicable | 11 | $832,000 | $75,000 | $120,000 | $0 | $0 |
| Black or African American | 3 | $242,000 | $80,000 | $146,000 | $36,000 | $74,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 134 | $10,792,000 | $80,000 | $325,000 | $55,000 | $238,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,183,000 | $117,000 | $250,000 | $44,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $820,000 | $68,000 | $93,000 | $36,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 4 | $743,000 | $185,000 | $265,000 | $57,000 | $103,000 |
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 | 81 | $6,282,000 | $77,000 | $325,000 | $61,000 | $238,000 |
| Application Denied By Financial Institution | 49 | $4,611,000 | $94,000 | $250,000 | $47,000 | $100,000 |
| Loan Purchased By The Institution | 20 | $1,883,000 | $94,000 | $227,000 | $32,000 | $120,000 |
| Application Approved But Not Accepted | 12 | $1,133,000 | $94,000 | $265,000 | $53,000 | $106,000 |
| Application Withdrawn By Applicant | 11 | $1,154,000 | $104,000 | $161,000 | $49,000 | $83,000 |
| File Closed For Incompleteness | 4 | $475,000 | $118,000 | $205,000 | $41,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 12 | $889,000 | $74,000 | $125,000 | $42,000 | $70,000 |
| Collateral | 10 | $1,388,000 | $138,000 | $250,000 | $58,000 | $99,000 |
| Debt-To-Income Ratio | 9 | $783,000 | $87,000 | $223,000 | $44,000 | $87,000 |
| Other | 3 | $162,000 | $54,000 | $107,000 | $49,000 | $91,000 |
| Unverifiable Information | 2 | $242,000 | $121,000 | $175,000 | $45,000 | $60,000 |
| Credit Application Incomplete | 2 | $151,000 | $75,000 | $96,000 | $55,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $73,000 | $73,000 | $73,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 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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