Putnam County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 86 mortgage applications in Putnam County, MO totaling $15.6 million, down 1% from 2024. The average application was for $181,000, and applicants reported an average income of $120,000. 47% of applications resulted in an originated loan and 17% were denied. The most active lender was US Bank, N.A., with 9 applications, followed by Mortgage Research Center and Alliant 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 | 86 |
| Total Mortgage Loan Application Amount | $15,630,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $720,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 9 | $ 905,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 730,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ n/a | 4 | $ 670,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 505,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 3 | $ 675,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 210,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 2 | $ 320,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ n/a | 2 | $ 260,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ n/a | 2 | $ 290,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 550,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 130,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 380,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 440,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ n/a | 2 | $ 730,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 2 | $ 600,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 230,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ n/a | 2 | $ 940,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 1 | $ 175,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 205,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ n/a | 1 | $ 65,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 255,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ n/a | 1 | $ 55,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 515,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 105,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 335,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 205,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 175,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 375,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 225,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 75,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 225,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 65,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 255,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 25,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 455,000 |
| Central State Bank 109 W MAIN ST STATE CENTER, IA 50247 |
* | $ n/a | 1 | $ 195,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ n/a | 1 | $ 35,000 |
| Trubank 1401 N JEFFERSON WAY INDIANOLA, IA 50125 |
* | $ n/a | 1 | $ 435,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 345,000 |
| Infuze Credit Union 1300 U.S. RT. 66 WAYNESVILLE, MO 65583 |
* | $ n/a | 1 | $ 145,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 355,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 195,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 145,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 105,000 |
| Verimore Bank PO BOX 190 BROOKFIELD, MO 64628 |
* | $ n/a | 1 | $ 45,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2025 mortgage applications in Putnam 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 Putnam County, MO in 2025
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 | 51 | $10,965,000 | $215,000 | $585,000 | $111,000 | $357,000 |
| Refinancing | 14 | $2,770,000 | $197,000 | $575,000 | $279,000 | $720,000 |
| Home Improvement | 10 | $640,000 | $64,000 | $195,000 | $92,000 | $205,000 |
| Cash-out Refinancing | 9 | $1,095,000 | $121,000 | $225,000 | $69,000 | $108,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $37,000 | $37,000 |
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 | 70 | $12,760,000 | $182,000 | $585,000 | $131,000 | $720,000 |
| Not Provided | 11 | $1,835,000 | $166,000 | $335,000 | $66,000 | $108,000 |
| Not applicable | 4 | $920,000 | $230,000 | $375,000 | $0 | $0 |
| Hispanic | 1 | $115,000 | $115,000 | $115,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 59 | $10,265,000 | $173,000 | $585,000 | $136,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,695,000 | $194,000 | $375,000 | $72,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,230,000 | $205,000 | $255,000 | $79,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $440,000 | $220,000 | $335,000 | $61,000 | $73,000 |
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 | 40 | $6,370,000 | $159,000 | $575,000 | $134,000 | $463,000 |
| Application Denied By Financial Institution | 15 | $2,495,000 | $166,000 | $345,000 | $69,000 | $129,000 |
| Application Withdrawn By Applicant | 15 | $3,565,000 | $237,000 | $515,000 | $113,000 | $290,000 |
| Loan Purchased By The Institution | 6 | $1,260,000 | $210,000 | $375,000 | $69,000 | $93,000 |
| Application Approved But Not Accepted | 5 | $1,185,000 | $237,000 | $585,000 | $99,000 | $185,000 |
| File Closed For Incompleteness | 4 | $610,000 | $152,000 | $235,000 | $404,000 | $720,000 |
| Preapproval Denied by Financial Institution | 1 | $145,000 | $145,000 | $145,000 | $55,000 | $55,000 |
| Preapproval Approved but not Accepted | 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 | 65 | $11,375,000 | $175,000 | $575,000 | $128,000 | $720,000 |
| Debt-To-Income Ratio | 11 | $2,515,000 | $228,000 | $585,000 | $116,000 | $357,000 |
| Credit History | 5 | $1,325,000 | $265,000 | $345,000 | $64,000 | $83,000 |
| Collateral | 2 | $200,000 | $100,000 | $105,000 | $98,000 | $129,000 |
| Other | 2 | $100,000 | $50,000 | $65,000 | $76,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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