Monroe County, MO Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 193 mortgage applications in Monroe County, MO totaling $27.4 million, up 4% from 2023. The average application was for $141,000, and applicants reported an average income of $86,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Hnb National Bank, with 20 applications, followed by Flat Branch Mortgage, Inc. and Alliant 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 | 193 |
| Total Mortgage Loan Application Amount | $27,355,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $445,000 |
* 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 |
* | $ n/a | 20 | $ 2,390,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 12 | $ 1,810,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ n/a | 11 | $ 1,685,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 11 | $ 1,295,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 11 | $ 1,705,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ n/a | 11 | $ 1,615,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 7 | $ 1,525,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 1,265,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ n/a | 6 | $ 1,160,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 6 | $ 430,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 805,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 805,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ n/a | 4 | $ 520,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 510,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 370,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 520,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 265,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ n/a | 3 | $ 465,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 475,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ n/a | 3 | $ 745,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ n/a | 2 | $ 190,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 80,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 2 | $ 70,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 200,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 200,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ n/a | 2 | $ 240,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 550,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 410,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 200,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 130,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 390,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 2 | $ 280,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 105,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 185,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 45,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 75,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 1 | $ 215,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 185,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 105,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ n/a | 1 | $ 125,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 275,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 145,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ n/a | 1 | $ 145,000 |
| The Missouri Bank 104 N HWY 47 WARRENTON, MO 63383 |
* | $ n/a | 1 | $ 305,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 105,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ n/a | 1 | $ 275,000 |
| Bank of Franklin County 900 EAST EIGHTH STREET WASHINGTON, MO 63090 |
* | $ n/a | 1 | $ 145,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2024 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 2024
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 | 119 | $18,525,000 | $155,000 | $505,000 | $85,000 | $324,000 |
| Refinancing | 32 | $4,830,000 | $150,000 | $465,000 | $80,000 | $214,000 |
| Cash-out Refinancing | 21 | $2,975,000 | $141,000 | $275,000 | $93,000 | $445,000 |
| Home Improvement | 12 | $560,000 | $46,000 | $125,000 | $86,000 | $144,000 |
| Other Purpose | 9 | $465,000 | $51,000 | $105,000 | $88,000 | $171,000 |
| 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 | 137 | $20,805,000 | $151,000 | $505,000 | $88,000 | $445,000 |
| Not applicable | 27 | $3,585,000 | $132,000 | $245,000 | $0 | $0 |
| Not Provided | 23 | $2,465,000 | $107,000 | $405,000 | $79,000 | $228,000 |
| Black or African American | 3 | $375,000 | $125,000 | $195,000 | $86,000 | $138,000 |
| Hispanic | 3 | $125,000 | $41,000 | $65,000 | $35,000 | $52,000 |
| 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) | 130 | $17,100,000 | $131,000 | $505,000 | $92,000 | $445,000 |
| FHA-insured (Federal Housing Administration) | 32 | $4,650,000 | $145,000 | $255,000 | $58,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,110,000 | $228,000 | $325,000 | $100,000 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,495,000 | $115,000 | $185,000 | $53,000 | $80,000 |
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 | 102 | $15,220,000 | $149,000 | $505,000 | $93,000 | $445,000 |
| Application Denied By Financial Institution | 34 | $4,070,000 | $119,000 | $415,000 | $76,000 | $179,000 |
| Application Withdrawn By Applicant | 20 | $2,990,000 | $149,000 | $455,000 | $68,000 | $156,000 |
| Loan Purchased By The Institution | 18 | $2,820,000 | $156,000 | $245,000 | $42,000 | $42,000 |
| File Closed For Incompleteness | 11 | $1,385,000 | $125,000 | $305,000 | $83,000 | $124,000 |
| Application Approved But Not Accepted | 8 | $870,000 | $108,000 | $205,000 | $94,000 | $228,000 |
| 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 | 145 | $21,055,000 | $145,000 | $505,000 | $86,000 | $445,000 |
| Debt-To-Income Ratio | 20 | $3,280,000 | $164,000 | $465,000 | $96,000 | $207,000 |
| Credit History | 15 | $1,295,000 | $86,000 | $275,000 | $68,000 | $179,000 |
| Collateral | 4 | $570,000 | $142,000 | $215,000 | $71,000 | $90,000 |
| Credit Application Incomplete | 3 | $345,000 | $115,000 | $145,000 | $60,000 | $60,000 |
| Other | 3 | $175,000 | $58,000 | $105,000 | $92,000 | $111,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $98,000 | $98,000 |
| Employment History | 1 | $415,000 | $415,000 | $415,000 | $99,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $152,000 | $152,000 |
| 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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