Osage County, MO Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 710 mortgage applications in Osage County, MO totaling $121.1 million, up 37% from 2019. The average application was for $170,000, and applicants reported an average income of $80,000. 70% of applications resulted in an originated loan and 7% were denied. The most active lender was Mid America Bank, with 114 applications, followed by Gershman Investment Corp. and Home Point Financial Corporation.
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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 | 710 |
| Total Mortgage Loan Application Amount | $121,060,000 |
| Average Mortgage Loan Application Amount | $170,000 |
| Highest Mortgage Loan Application Amount | $3,705,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $403,000 |
* 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 |
|---|---|---|---|---|
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ 480,087,000 | 114 | $ 20,290,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 77 | $ 12,505,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 65 | $ 14,405,000 |
| Legends Bank PO BOX 888 LINN, MO 65051 |
* | $ 394,059,000 | 64 | $ 11,270,000 |
| Bank of St. Elizabeth 215 MAIN STREET, PO BOX 8 SAINT ELIZABETH, MO 65075 |
* | $ 149,009,000 | 35 | $ 5,135,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 2,678,315,000 | 34 | $ 5,330,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD. JEFFERSON CITY, MO 65101 |
* | $ 644,699,000 | 34 | $ 5,290,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 27 | $ 4,755,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 267,453,000 | 24 | $ 2,800,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 23 | $ 4,065,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 16 | $ 3,020,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 374,223,000 | 11 | $ 1,795,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 2,065,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,725,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ 469,274,000 | 10 | $ 660,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 1,555,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,483,698,000 | 7 | $ 875,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 208,018,000 | 6 | $ 1,250,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 6 | $ 890,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ 146,206,000 | 5 | $ 535,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,622,768,000 | 5 | $ 1,355,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 4 | $ 250,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 4 | $ 390,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 4 | $ 720,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 4 | $ 1,000,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 390,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 4 | $ 580,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 430,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 575,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,712,795,000 | 3 | $ 565,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,166,684,000 | 3 | $ 245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 3 | $ 545,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 3 | $ 605,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 300,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 200,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 270,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 310,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 310,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 260,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 350,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 410,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 2 | $ 450,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 360,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 160,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 320,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 1,310,000 |
| Peoples Savings Bank 101 BLUFF STREET RHINELAND, MO 65069 |
* | $ 288,674,000 | 1 | $ 155,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 145,000 |
| Farmers and Merchants Bank of St. Clair 530 S. MAIN SAINT CLAIR, MO 63077 |
* | $ 206,110,000 | 1 | $ 165,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 1,070,090,000 | 1 | $ 95,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 225,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 215,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 365,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 155,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 225,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 2,785,682,000 | 1 | $ 95,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 135,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 165,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,326,463,000 | 1 | $ 95,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 85,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 85,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 135,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 388,069,000 | 1 | $ 205,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 145,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 185,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 421,979,000 | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 115,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 175,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 205,000 |
The tables below break down 2020 mortgage applications in Osage 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 Osage County, MO in 2020
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 | 358 | $63,080,000 | $176,000 | $1,195,000 | $85,000 | $403,000 |
| Home Purchase | 230 | $38,310,000 | $166,000 | $3,705,000 | $66,000 | $228,000 |
| Cash-out Refinancing | 91 | $16,945,000 | $186,000 | $415,000 | $94,000 | $241,000 |
| Home Improvement | 14 | $670,000 | $47,000 | $135,000 | $76,000 | $155,000 |
| Other Purpose | 11 | $1,515,000 | $137,000 | $335,000 | $113,000 | $260,000 |
| Not Applicable | 6 | $540,000 | $90,000 | $145,000 | $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 | 571 | $93,035,000 | $162,000 | $1,195,000 | $81,000 | $403,000 |
| Not Provided | 78 | $12,360,000 | $158,000 | $415,000 | $74,000 | $212,000 |
| Not applicable | 53 | $14,415,000 | $271,000 | $3,705,000 | $85,000 | $147,000 |
| Hispanic | 5 | $655,000 | $131,000 | $175,000 | $65,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $170,000 | $85,000 | $85,000 | $0 | $0 |
| Black or African American | 1 | $425,000 | $425,000 | $425,000 | $18,000 | $18,000 |
| 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) | 606 | $104,050,000 | $171,000 | $3,705,000 | $83,000 | $403,000 |
| VA-guaranteed (Veterans Administration) | 41 | $8,105,000 | $197,000 | $415,000 | $65,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $5,840,000 | $153,000 | $1,195,000 | $49,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 25 | $3,065,000 | $122,000 | $195,000 | $57,000 | $113,000 |
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 | 500 | $88,110,000 | $176,000 | $3,705,000 | $82,000 | $403,000 |
| Application Withdrawn By Applicant | 67 | $11,815,000 | $176,000 | $1,195,000 | $80,000 | $212,000 |
| Application Denied By Financial Institution | 52 | $6,700,000 | $128,000 | $305,000 | $67,000 | $181,000 |
| Loan Purchased By The Institution | 49 | $8,565,000 | $174,000 | $415,000 | $79,000 | $147,000 |
| Application Approved But Not Accepted | 35 | $4,545,000 | $129,000 | $275,000 | $76,000 | $182,000 |
| File Closed For Incompleteness | 7 | $1,325,000 | $189,000 | $295,000 | $91,000 | $105,000 |
| 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 | 421 | $74,725,000 | $177,000 | $1,195,000 | $80,000 | $241,000 |
| Debt-To-Income Ratio | 266 | $43,180,000 | $162,000 | $3,705,000 | $80,000 | $403,000 |
| Other | 7 | $885,000 | $126,000 | $175,000 | $57,000 | $93,000 |
| Credit History | 6 | $620,000 | $103,000 | $145,000 | $54,000 | $122,000 |
| Collateral | 4 | $880,000 | $220,000 | $305,000 | $101,000 | $181,000 |
| Credit Application Incomplete | 3 | $435,000 | $145,000 | $295,000 | $94,000 | $172,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $81,000 | $81,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $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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