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 |
Top Mortgage Lenders in Osage County, MO (2020)
Ranked by the number of mortgage applications each lender reported in Osage County, MO in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Mid America Bank Jefferson City, MO |
114 | $20,290,000 | $177,000 | $86,000 |
| 2 | Gershman Investment Corp. Chesterfield, MO |
77 | $12,505,000 | $162,000 | $71,000 |
| 3 | Home Point Financial Corporation Ann Arbor, MI |
65 | $14,405,000 | $221,000 | $96,000 |
| 4 | Legends Bank Linn, MO |
64 | $11,270,000 | $176,000 | $72,000 |
| 5 | Bank of St. Elizabeth Saint Elizabeth, MO |
35 | $5,135,000 | $146,000 | $91,000 |
| 6 | The Central Trust Bank Jefferson City, MO |
34 | $5,330,000 | $156,000 | $82,000 |
| 7 | Jefferson Bank of Missouri Jefferson City, MO |
34 | $5,290,000 | $155,000 | $72,000 |
| 8 | Crescent Mortgage Company Morgantown, WV |
27 | $4,755,000 | $176,000 | $75,000 |
| 9 | Multipli Federal Credit Union Jefferson City, MO |
24 | $2,800,000 | $116,000 | $77,000 |
| 10 | Flat Branch Mortgage, Inc. Columbia, MO |
23 | $4,065,000 | $176,000 | $73,000 |
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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