Polk County, MO Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,278 mortgage applications in Polk County, MO totaling $136.6 million, down 16% from 2010. The average application was for $106,000, and applicants reported an average income of $52,000. 43% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank NA, with 137 applications, followed by JPMorgan Chase Bank, NA and Bank of Bolivar.

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Total Number of Mortgage Applications 1,278
Total Mortgage Loan Application Amount $136,613,000
Average Mortgage Loan Application Amount $106,000
Highest Mortgage Loan Application Amount $1,909,000
Average Applicant Income $52,000
Highest Applicant Income $604,000

Mortgage Company List for Lending in Polk County, MO for 2011

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 137 $ 16,145,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 78 $ 8,450,000
Bank of Bolivar
PO BOX 560, 495 S. SPRINGFIELD
BOLIVAR, MO 65613
* $ 199,353,000 73 $ 5,582,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 65 $ 8,339,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 64 $ 6,795,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 55 $ 4,413,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 19,413,461,000 53 $ 4,045,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 47 $ 4,659,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 45 $ 4,640,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 480,679,000 43 $ 2,381,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,285,632,000 40 $ 6,227,000
Gershman Investment Corp.
7 N. BEMISTON
ST. LOUIS, MO 63105
* $ 31,000,000 33 $ 3,611,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 30 $ 1,728,000
Empire Bank
1800 S GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,066,159,000 29 $ 2,841,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 837,325,000 19 $ 3,126,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 17 $ 1,340,000
Liberty Bank
4625 S. NATIONAL
SPRINGFIELD, MO 65810
* $ 973,204,000 17 $ 1,993,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 16 $ 2,266,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 16 $ 2,212,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 16 $ 1,539,000
Farmers State Bank, S/B
PO BOX 98
SCHELL CITY, MO 64783
* $ 68,862,000 14 $ 3,064,000
O'bannon Banking Company
PO BOX 890
BUFFALO, MO 65622
* $ 147,419,000 13 $ 1,285,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 13 $ 1,452,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 12 $ 1,580,000
Heartland Bank
212 SOUTH CENTRAL
ST. LOUIS, MO 63105
* $ 889,445,000 12 $ 1,190,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,409,826,000 12 $ 634,000
Omb Bank
3570 SOUTH NATIONAL AVENUE
SPRINGFIELD, MO 65807
* $ 121,843,000 11 $ 1,859,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,182,218,000 10 $ 438,000
Bank of Urbana
P.O. BOX 248
URBANA, MO 65767
* $ 159,604,000 9 $ 553,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 9 $ 1,051,000
Community Bank of the Ozarks
P. O. BOX 43
SUNRISE BEACH, MO 65079
* $ 59,406,000 9 $ 582,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 9 $ 952,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 355,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 8 $ 881,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 8 $ 908,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 682,322,000 8 $ 874,000
Southern Missouri Bank of Marshfield
PO BOX M 1292 BANNING ST
MARSHFIELD, MO 65706
* $ 104,532,000 7 $ 682,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 108,406,000 7 $ 472,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 821,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 7 $ 487,000
Oakstar Bank, NA
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 166,520,000 6 $ 680,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 1,115,000
Freedom Bank of Southern Missouri
P O BOX 309
CASSVILLE, MO 65625
* $ 117,078,000 6 $ 2,313,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 5 $ 736,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 5 $ 681,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 5 $ 334,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 5 $ 385,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 786,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 321,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 3 $ 416,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 295,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 265,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 10,684,654,000 3 $ 308,000
Springfield First Community Bank
2006 S GLENSTONE AVENUE
SPRINGFIELD, MO 65804
* $ 197,919,000 3 $ 324,000
Foundation Credit Union
1726 W. ELFINDALE ST.
SPRINGFIELD, MO 65807
* $ 64,358,000 3 $ 287,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 128,599,000 3 $ 90,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 3 $ 323,000
Bank of Ash Grove
218 NORTH WEBSTER AVENUE
ASH GROVE, MO 65604
* $ 72,575,000 2 $ 150,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 262,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 208,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 274,000
F & M Bank and Trust Company
PO BOX 938
HANNIBAL, MO 63401
* $ 175,889,000 2 $ 264,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 133,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 2 $ 656,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 394,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 2 $ 388,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 2 $ 211,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 2 $ 226,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 157,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 225,000
Boone County National Bank
8TH & BROADWAY P O BOX 678
COLUMBIA, MO 65205
* $ 1,233,182,000 2 $ 215,000
Citizens National Bank
110 WEST COURT ST
PARIS, IL 61944
* $ 205,014,000 1 $ 231,000
The First National Bank of Cat
202 S SANDUSKY
CATLIN, IL 61817
* $ 43,328,000 1 $ 30,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ 10,000,000 1 $ 153,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 1 $ 119,000
Gnbank, National Association
100 E FOREST (PO BOX 67)
GIRARD, KS 66743
* $ 497,631,000 1 $ 45,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 77,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 1 $ 98,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 93,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 88,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 150,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 82,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 1 $ 100,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 32,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 78,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 93,000
Nbh Bank, N.A.
1111 MAIN, SUITE 2700
KANSAS CITY, MO 64105
* $ 3,374,340,000 1 $ 36,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 79,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 180,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,466,563,000 1 $ 165,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 146,000
Town & Country Bank
PO BOX 349
SALEM, MO 65560
* $ 502,723,000 1 $ 59,000
Central Bank of the Midwest
609 N. HIGHWAY 291
LEE'S SUMMIT, MO 64063
* $ 1,187,452,000 1 $ 42,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 100,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 140,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 1 $ 83,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 123,000
Educational Community Credit U
1221 E GRAND ST
SPRINGFIELD, MO 65804
* $ 44,498,000 1 $ 11,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 77,096,000 1 $ 65,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 1 $ 156,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 1 $ 79,000
Citizens Bank of Rogersville
1001 W. CENTER ST.
ROGERSVILLE, MO 65742
* $ 55,810,000 1 $ 19,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,068,872,000 1 $ 84,000
Bloomsdale Bank
55 MILL HILL ROAD, P. O. BOX 100
BLOOMSDALE, MO 63627
* $ 186,004,000 1 $ 245,000
Community First Bank
P.O. BOX 407
BUTLER, MO 64730
* $ 160,089,000 1 $ 104,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 130,000
Platte Valley Bank of Missouri
PO BOX 1250
PLATTE CITY, MO 64079
* $ 348,730,000 1 $ 138,000
Blue Ridge Bank and Trust Co.
4200 LITTLE BLUE PARKWAY
INDEPENDENCE, MO 64057
* $ 465,411,000 1 $ 190,000
Bank of Billings
P O BOX 70
BILLINGS, MO 65610
* $ 52,372,000 1 $ 185,000

The tables below break down 2011 mortgage applications in Polk 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 Polk County, MO in 2011

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 763 $92,511,000 $121,000 $1,909,000 $56,000 $604,000
Home Purchase 452 $40,787,000 $90,000 $503,000 $45,000 $448,000
Home Improvement 63 $3,315,000 $52,000 $548,000 $42,000 $367,000

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 1,026 $105,469,000 $102,000 $877,000 $57,000 $604,000
Not applicable 151 $20,465,000 $135,000 $1,909,000 $5,000 $164,000
Not Provided 79 $8,158,000 $103,000 $380,000 $57,000 $604,000
Hispanic 7 $1,326,000 $189,000 $405,000 $140,000 $367,000
American Indian or Alaskan Native 5 $369,000 $73,000 $123,000 $31,000 $49,000
Asian 4 $319,000 $79,000 $92,000 $52,000 $126,000
Black or African American 4 $399,000 $99,000 $140,000 $119,000 $195,000
Native Hawaiian or Other Pacific Islander 2 $108,000 $54,000 $54,000 $21,000 $21,000

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) 944 $97,729,000 $103,000 $1,909,000 $55,000 $604,000
FHA-insured (Federal Housing Administration) 184 $20,568,000 $111,000 $391,000 $40,000 $259,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 93 $11,858,000 $127,000 $877,000 $46,000 $328,000
VA-guaranteed (Veterans Administration) 57 $6,458,000 $113,000 $277,000 $34,000 $138,000

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 547 $56,644,000 $103,000 $1,909,000 $54,000 $384,000
Loan Purchased By The Institution 329 $42,169,000 $128,000 $387,000 $44,000 $394,000
Application Denied By Financial Institution 262 $23,963,000 $91,000 $416,000 $53,000 $604,000
Application Withdrawn By Applicant 75 $8,423,000 $112,000 $391,000 $62,000 $448,000
Application Approved But Not Accepted 46 $3,283,000 $71,000 $249,000 $46,000 $156,000
File Closed For Incompleteness 19 $2,131,000 $112,000 $211,000 $47,000 $84,000
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 50 $3,571,000 $71,000 $281,000 $52,000 $392,000
Collateral 36 $4,427,000 $122,000 $380,000 $57,000 $224,000
Debt-To-Income Ratio 28 $2,909,000 $103,000 $416,000 $37,000 $120,000
Other 17 $1,959,000 $115,000 $250,000 $65,000 $340,000
Credit Application Incomplete 7 $473,000 $67,000 $96,000 $205,000 $604,000
Insufficient Cash (Downpayment, Closing Cost) 4 $473,000 $118,000 $334,000 $95,000 $143,000
Unverifiable Information 3 $287,000 $95,000 $142,000 $51,000 $66,000
Employment History 1 $75,000 $75,000 $75,000 $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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