Monroe County, MO Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 212 mortgage applications in Monroe County, MO totaling $19.2 million, up 20% from 2011. The average application was for $90,000, and applicants reported an average income of $53,000. 45% of applications resulted in an originated loan and 17% were denied. The most active lender was Hnb National Bank, with 46 applications, followed by UMB Bank NA and F & M Bank and Trust Company.
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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 | 212 |
| Total Mortgage Loan Application Amount | $19,228,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $332,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 |
* | $ 319,595,000 | 46 | $ 4,345,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 11,205,930,000 | 13 | $ 803,000 |
| F & M Bank and Trust Company PO BOX 938 HANNIBAL, MO 63401 |
* | $ 186,802,000 | 10 | $ 782,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 10 | $ 605,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 10 | $ 895,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 9 | $ 785,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 9 | $ 898,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 954,685,000 | 9 | $ 856,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 8 | $ 491,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 6 | $ 302,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 5 | $ 455,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 565,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 4 | $ 362,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 3 | $ 388,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 3 | $ 393,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,839,722,000 | 3 | $ 236,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 3 | $ 358,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 351,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 167,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 179,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 173,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 209,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 224,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,265,000 | 2 | $ 191,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ 262,626,000 | 2 | $ 160,000 |
| Martinsburg Bank and Trust 107 W KELLETT P O BOX 66 MARTINSBURG, MO 65264 |
* | $ 169,217,000 | 2 | $ 275,000 |
| Mercantile Bank 200 NORTH 33RD ST QUINCY, IL 62305 |
* | $ 627,022,000 | 2 | $ 104,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 2 | $ 92,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,345,575,000 | 2 | $ 230,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 106,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,510,045,000 | 2 | $ 138,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 408,616,000 | 1 | $ 80,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 118,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 727,866,000 | 1 | $ 147,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 223,219,000 | 1 | $ 56,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 121,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 119,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 284,788,000 | 1 | $ 150,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,355,656,000 | 1 | $ 100,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 151,000 |
| Rockwood Bank 219 THRESHER EUREKA, MO 63025 |
* | $ 274,333,000 | 1 | $ 104,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 118,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,331,681,000 | 1 | $ 210,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 176,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 107,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 49,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 65,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 237,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 153,000 |
The tables below break down 2012 mortgage applications in Monroe 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 Monroe County, MO in 2012
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 | 119 | $11,852,000 | $99,000 | $295,000 | $58,000 | $332,000 |
| Home Purchase | 84 | $6,833,000 | $81,000 | $200,000 | $47,000 | $240,000 |
| Home Improvement | 9 | $543,000 | $60,000 | $168,000 | $54,000 | $78,000 |
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 | 166 | $15,330,000 | $92,000 | $295,000 | $60,000 | $332,000 |
| Not applicable | 21 | $1,800,000 | $85,000 | $210,000 | $4,000 | $65,000 |
| Not Provided | 20 | $1,814,000 | $90,000 | $170,000 | $56,000 | $150,000 |
| Black or African American | 2 | $86,000 | $43,000 | $60,000 | $55,000 | $68,000 |
| Hispanic | 1 | $30,000 | $30,000 | $30,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $51,000 | $51,000 |
| Asian | 1 | $68,000 | $68,000 | $68,000 | $21,000 | $21,000 |
| American Indian or Alaskan Native | 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) | 157 | $14,071,000 | $89,000 | $295,000 | $60,000 | $332,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,380,000 | $91,000 | $176,000 | $38,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,370,000 | $76,000 | $157,000 | $24,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,407,000 | $127,000 | $237,000 | $41,000 | $117,000 |
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 | 96 | $9,433,000 | $98,000 | $295,000 | $69,000 | $332,000 |
| Application Denied By Financial Institution | 37 | $2,924,000 | $79,000 | $188,000 | $44,000 | $173,000 |
| Loan Purchased By The Institution | 32 | $2,849,000 | $89,000 | $210,000 | $13,000 | $65,000 |
| Application Withdrawn By Applicant | 23 | $2,350,000 | $102,000 | $237,000 | $47,000 | $237,000 |
| Application Approved But Not Accepted | 22 | $1,391,000 | $63,000 | $123,000 | $63,000 | $240,000 |
| File Closed For Incompleteness | 2 | $281,000 | $140,000 | $153,000 | $96,000 | $150,000 |
| 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 | $567,000 | $47,000 | $115,000 | $44,000 | $93,000 |
| Collateral | 7 | $739,000 | $105,000 | $176,000 | $61,000 | $173,000 |
| Debt-To-Income Ratio | 4 | $230,000 | $57,000 | $75,000 | $43,000 | $61,000 |
| Credit Application Incomplete | 2 | $112,000 | $56,000 | $64,000 | $22,000 | $26,000 |
| Other | 2 | $177,000 | $88,000 | $124,000 | $27,000 | $54,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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