In 2013, lenders reported 179 mortgage applications in Monroe County, MO totaling $17.0 million, down 16% from 2012. The average application was for $94,000, and applicants reported an average income of $63,000. 49% of applications resulted in an originated loan and 29% were denied. The most active lender was Hnb National Bank, with 39 applications, followed by F & M Bank and Trust Company and United Community Bank.
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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 | 179 |
| Total Mortgage Loan Application Amount | $17,000,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $307,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $345,000 |
| 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 |
* | $ 404,150,000 | 39 | $ 3,466,000 |
| F & M Bank and Trust Company PO BOX 938 HANNIBAL, MO 63401 |
* | $ 142,111,000 | 16 | $ 1,160,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 953,650,000 | 15 | $ 1,680,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 11 | $ 776,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 9 | $ 990,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 8 | $ 692,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,017,122,000 | 5 | $ 443,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 5 | $ 532,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 14,689,863,000 | 4 | $ 300,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 175,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 3 | $ 145,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 2 | $ 294,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 2 | $ 262,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 99,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 127,530,000 | 2 | $ 206,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 2 | $ 318,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 2 | $ 145,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 235,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 132,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,751,541,000 | 2 | $ 188,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,431,785,000 | 1 | $ 277,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,173,000 | 1 | $ 196,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 41,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,668,374,000 | 1 | $ 140,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 99,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 25,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 88,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 62,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,381,142,000 | 1 | $ 39,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 78,000 |
| Firstrust Mortgage, Inc 6710 W. 121ST STREET OVERLAND PARK, KS 66209 |
* | $ 6,198,000 | 1 | $ 80,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 190,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 160,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 962,277,000 | 1 | $ 232,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 77,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,473,889,000 | 1 | $ 74,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 674,972,000 | 1 | $ 131,000 |
| First Missouri Bank PO BOX 190 BROOKFIELD, MO 64628 |
* | $ 146,401,000 | 1 | $ 307,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 106,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 1 | $ 103,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 62,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 5,302,932,000 | 1 | $ 31,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 266,761,000 | 1 | $ 84,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 44,000 |
| Merchants & Farmers Bank 507 N WEBER SALISBURY, MO 65281 |
* | $ 104,688,000 | 1 | $ 171,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 70,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 36,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 88,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 122,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 103,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 80,000 |
The tables below break down 2013 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 | 110 | $11,303,000 | $102,000 | $307,000 | $68,000 | $345,000 |
| Home Purchase | 60 | $5,295,000 | $88,000 | $228,000 | $52,000 | $289,000 |
| Home Improvement | 9 | $402,000 | $44,000 | $185,000 | $71,000 | $178,000 |
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 | 153 | $15,078,000 | $98,000 | $307,000 | $67,000 | $345,000 |
| Not Provided | 12 | $994,000 | $82,000 | $166,000 | $64,000 | $102,000 |
| Not applicable | 7 | $528,000 | $75,000 | $140,000 | $9,000 | $38,000 |
| Black or African American | 4 | $243,000 | $60,000 | $71,000 | $24,000 | $52,000 |
| Hispanic | 2 | $132,000 | $66,000 | $72,000 | $25,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $45,000 | $45,000 |
| Asian | 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) | 136 | $12,961,000 | $95,000 | $307,000 | $71,000 | $345,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,446,000 | $72,000 | $131,000 | $32,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,665,000 | $111,000 | $228,000 | $46,000 | $178,000 |
| VA-guaranteed (Veterans Administration) | 8 | $928,000 | $116,000 | $232,000 | $38,000 | $72,000 |
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 | 88 | $9,177,000 | $104,000 | $307,000 | $75,000 | $345,000 |
| Application Denied By Financial Institution | 52 | $4,215,000 | $81,000 | $232,000 | $54,000 | $178,000 |
| Loan Purchased By The Institution | 19 | $1,614,000 | $84,000 | $228,000 | $39,000 | $105,000 |
| Application Approved But Not Accepted | 11 | $932,000 | $84,000 | $170,000 | $55,000 | $95,000 |
| Application Withdrawn By Applicant | 5 | $617,000 | $123,000 | $158,000 | $54,000 | $83,000 |
| File Closed For Incompleteness | 4 | $445,000 | $111,000 | $190,000 | $49,000 | $75,000 |
| 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 | 15 | $1,164,000 | $77,000 | $229,000 | $59,000 | $126,000 |
| Debt-To-Income Ratio | 8 | $734,000 | $91,000 | $185,000 | $52,000 | $84,000 |
| Collateral | 8 | $609,000 | $76,000 | $106,000 | $50,000 | $163,000 |
| Credit Application Incomplete | 4 | $261,000 | $65,000 | $92,000 | $50,000 | $84,000 |
| Other | 2 | $225,000 | $112,000 | $160,000 | $63,000 | $74,000 |
| 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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