In 2010, lenders reported 247 mortgage applications in Pemiscot County, MO totaling $20.6 million, down 29% from 2009. The average application was for $83,000, and applicants reported an average income of $45,000. 36% of applications resulted in an originated loan and 36% were denied. The most active lender was Embrace Home Loans, Inc., with 27 applications, followed by First State Community Bank and Wells Fargo Bank, NA.
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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 | 247 |
| Total Mortgage Loan Application Amount | $20,598,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $534,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $317,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 27 | $ 1,837,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,019,377,000 | 25 | $ 1,933,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 16 | $ 1,299,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 15 | $ 1,351,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 15 | $ 1,356,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 607,507,000 | 14 | $ 1,119,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 11 | $ 650,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 615,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 8 | $ 684,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 725,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ 11,000,000 | 7 | $ 872,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 6 | $ 448,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 200,756,000 | 5 | $ 285,000 |
| Bank Star 1999 W OSAGE PACIFIC, MO 63069 |
* | $ 74,039,000 | 5 | $ 449,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 197,047,000 | 4 | $ 354,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 529,914,000 | 4 | $ 308,000 |
| Success Credit Union P.O. BOX 467 BLYTHEVILLE, AR 72316 |
* | $ 85,275,000 | 4 | $ 276,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 182,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 272,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 253,000 |
| Mortgage Investors Group 8320 E. WALKER SPRINGS LANE KNOXVILLE, TN 37923 |
* | $ 10,000,000 | 3 | $ 342,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 291,000 |
| Farmers Bank and Trust Company 400 W. MAIN STREET, P. O. BOX 688 BLYTHEVILLE, AR 72316 |
* | $ 397,868,000 | 3 | $ 357,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 956,214,000 | 2 | $ 237,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 265,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 183,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 2 | $ 190,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 314,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 179,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 94,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 229,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 2 | $ 148,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 129,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 60,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 145,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 71,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 17,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 80,000 |
| Heartland Bank 212 SOUTH CENTRAL CLAYTON, MO 63105 |
* | $ 941,192,000 | 1 | $ 104,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 63,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 90,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 65,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 152,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 25,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 50,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 67,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 87,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 1 | $ 61,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 123,758,000 | 1 | $ 155,000 |
| First State Bank 221 HARRISON ST UNION CITY, TN 38261 |
* | $ 1,402,122,000 | 1 | $ 64,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 941,558,000 | 1 | $ 36,000 |
The tables below break down 2010 mortgage applications in Pemiscot 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 | 127 | $11,971,000 | $94,000 | $534,000 | $46,000 | $317,000 |
| Home Purchase | 108 | $8,143,000 | $75,000 | $225,000 | $46,000 | $181,000 |
| Home Improvement | 12 | $484,000 | $40,000 | $88,000 | $42,000 | $126,000 |
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 | 190 | $16,761,000 | $88,000 | $534,000 | $51,000 | $317,000 |
| Not Provided | 24 | $1,536,000 | $64,000 | $148,000 | $34,000 | $77,000 |
| Black or African American | 20 | $1,301,000 | $65,000 | $237,000 | $34,000 | $154,000 |
| Not applicable | 12 | $961,000 | $80,000 | $149,000 | $0 | $0 |
| Asian | 1 | $39,000 | $39,000 | $39,000 | $19,000 | $19,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 137 | $11,271,000 | $82,000 | $534,000 | $52,000 | $317,000 |
| FHA-insured (Federal Housing Administration) | 84 | $6,972,000 | $83,000 | $197,000 | $38,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,181,000 | $78,000 | $133,000 | $30,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,174,000 | $106,000 | $149,000 | $48,000 | $109,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 90 | $6,432,000 | $71,000 | $225,000 | $38,000 | $126,000 |
| Loan Originated | 89 | $8,311,000 | $93,000 | $534,000 | $60,000 | $317,000 |
| Loan Purchased By The Institution | 30 | $2,680,000 | $89,000 | $155,000 | $33,000 | $110,000 |
| Application Withdrawn By Applicant | 19 | $1,441,000 | $75,000 | $197,000 | $32,000 | $74,000 |
| Application Approved But Not Accepted | 13 | $1,137,000 | $87,000 | $196,000 | $52,000 | $100,000 |
| File Closed For Incompleteness | 6 | $597,000 | $99,000 | $152,000 | $21,000 | $64,000 |
| 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 | 14 | $730,000 | $52,000 | $106,000 | $41,000 | $72,000 |
| Debt-To-Income Ratio | 11 | $1,157,000 | $105,000 | $196,000 | $40,000 | $96,000 |
| Collateral | 8 | $545,000 | $68,000 | $127,000 | $35,000 | $91,000 |
| Other | 3 | $214,000 | $71,000 | $104,000 | $49,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $198,000 | $99,000 | $100,000 | $76,000 | $78,000 |
| Unverifiable Information | 1 | $112,000 | $112,000 | $112,000 | $54,000 | $54,000 |
| Employment History | 1 | $57,000 | $57,000 | $57,000 | $21,000 | $21,000 |
| Credit Application Incomplete | 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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