Ozark County, MO Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 241 mortgage applications in Ozark County, MO totaling $29.4 million, about the same as 2018. The average application was for $122,000, and applicants reported an average income of $61,000. 47% of applications resulted in an originated loan and 20% were denied. The most active lender was Arvest Bank, with 18 applications, followed by US Bank, N.A. and Stockmens 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 | 241 |
| Total Mortgage Loan Application Amount | $29,435,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $258,000 |
* 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 |
|---|---|---|---|---|
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 18 | $ 1,080,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 15 | $ 1,465,000 |
| Stockmens Bank SPRINGFIELD, MO 65804 |
* | $ 344,725,000 | 14 | $ 590,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 1,615,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 8 | $ 1,210,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,205,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 7 | $ 975,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 7 | $ 1,035,000 |
| Landmark Bank PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 3,131,689,000 | 5 | $ 545,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,679,144,000 | 5 | $ 445,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,055,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 765,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 5 | $ 1,385,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 665,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 2,197,497,000 | 4 | $ 200,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 320,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,483,865,000 | 4 | $ 420,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 690,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 305,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 3 | $ 255,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 3 | $ 495,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 666,879,000 | 3 | $ 205,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 415,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 938,693,000 | 3 | $ 415,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 2,504,519,000 | 3 | $ 255,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 2 | $ 140,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 560,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 340,000 |
| Homepride Bank P.O. BOX 138 MANSFIELD, MO 65704 |
* | $ 96,700,000 | 2 | $ 190,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 140,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 2 | $ 390,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 430,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 2 | $ 410,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 440,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,005,697,000 | 1 | $ 85,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 35,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ 713,950,000 | 1 | $ 105,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 145,000 |
| Family Finance Mortgage LLC 1787 JEFFCO BLVD ARNOLD, MO 63010 |
* | $ -1,000 | 1 | $ 95,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 75,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,637,595,000 | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 105,000 |
| Farmers-Merchants Bank of Illinois P.O. BOX 217 JOY, IL 61260 |
* | $ 173,321,000 | 1 | $ 75,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 115,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 165,000 |
| Fortunebank 3494 JEFFCO BLVD ARNOLD, MO 63010 |
* | $ 193,459,000 | 1 | $ 285,000 |
| Guaranty Bank 1341 W BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 964,540,000 | 1 | $ 115,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 125,000 |
| Wichita Federal Credit Union 9835 E 21ST ST N WICHITA, KS 67206 |
* | $ 108,379,000 | 1 | $ 145,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 195,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 195,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 353,041,000 | 1 | $ 115,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 55,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 135,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 125,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 890,895,000 | 1 | $ 225,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 105,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 1 | $ 225,000 |
| First National Bank of Waterloo 228 S. MAIN STREET, P.O. BOX 507 WATERLOO, IL 62298 |
* | $ 474,651,000 | 1 | $ 165,000 |
| Southwest Missouri Bank 300 WEST THIRD STREET CARTHAGE, MO 64836 |
* | $ 750,335,000 | 1 | $ 115,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 135,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 55,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 235,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 265,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 165,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 4,429,115,000 | 1 | $ 105,000 |
| Integrity First Bank, National Association 502 S HICKORY ST MOUNTAIN HOME, AR 72653 |
* | $ 525,645,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 15,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 95,000 |
| Frontier Community Credit Unio 690 EISENHOWER ROAD LEAVENWORTH, KS 66048 |
* | $ 145,583,000 | 1 | $ 175,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 282,714,000 | 1 | $ 75,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 15,291,497,000 | 1 | $ 105,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ 469,116,000 | 1 | $ 105,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 1 | $ 165,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2019 mortgage applications in Ozark 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 Ozark County, MO in 2019
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 | 114 | $15,370,000 | $134,000 | $555,000 | $62,000 | $211,000 |
| Cash-out Refinancing | 59 | $7,445,000 | $126,000 | $455,000 | $58,000 | $227,000 |
| Refinancing | 46 | $4,990,000 | $108,000 | $285,000 | $58,000 | $258,000 |
| Other Purpose | 16 | $1,180,000 | $73,000 | $145,000 | $77,000 | $220,000 |
| Home Improvement | 5 | $225,000 | $45,000 | $105,000 | $44,000 | $59,000 |
| Not Applicable | 1 | $225,000 | $225,000 | $225,000 | $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 | 192 | $21,870,000 | $113,000 | $455,000 | $62,000 | $258,000 |
| Not Provided | 23 | $3,625,000 | $157,000 | $555,000 | $58,000 | $132,000 |
| Not applicable | 20 | $2,860,000 | $143,000 | $325,000 | $24,000 | $29,000 |
| American Indian or Alaskan Native | 2 | $540,000 | $270,000 | $275,000 | $120,000 | $120,000 |
| Asian | 2 | $400,000 | $200,000 | $255,000 | $89,000 | $121,000 |
| Hispanic | 2 | $140,000 | $70,000 | $125,000 | $59,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 159 | $16,975,000 | $106,000 | $555,000 | $65,000 | $258,000 |
| VA-guaranteed (Veterans Administration) | 44 | $7,030,000 | $159,000 | $455,000 | $58,000 | $140,000 |
| FHA-insured (Federal Housing Administration) | 30 | $4,700,000 | $156,000 | $305,000 | $49,000 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $730,000 | $91,000 | $195,000 | $32,000 | $59,000 |
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 | 114 | $14,460,000 | $126,000 | $555,000 | $65,000 | $227,000 |
| Application Denied By Financial Institution | 49 | $4,375,000 | $89,000 | $245,000 | $53,000 | $220,000 |
| Application Withdrawn By Applicant | 36 | $4,770,000 | $132,000 | $285,000 | $65,000 | $258,000 |
| Loan Purchased By The Institution | 29 | $4,305,000 | $148,000 | $325,000 | $52,000 | $181,000 |
| File Closed For Incompleteness | 7 | $815,000 | $116,000 | $165,000 | $42,000 | $59,000 |
| Application Approved But Not Accepted | 5 | $595,000 | $119,000 | $185,000 | $85,000 | $117,000 |
| Preapproval Approved but not Accepted | 1 | $115,000 | $115,000 | $115,000 | $43,000 | $43,000 |
| 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 | 168 | $23,290,000 | $138,000 | $555,000 | $65,000 | $227,000 |
| Debt-To-Income Ratio | 39 | $2,765,000 | $70,000 | $285,000 | $52,000 | $258,000 |
| Collateral | 14 | $1,250,000 | $89,000 | $155,000 | $44,000 | $94,000 |
| Credit History | 8 | $910,000 | $113,000 | $215,000 | $41,000 | $72,000 |
| Credit Application Incomplete | 6 | $490,000 | $81,000 | $135,000 | $82,000 | $220,000 |
| Unverifiable Information | 4 | $480,000 | $120,000 | $215,000 | $59,000 | $83,000 |
| Other | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $101,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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