Reynolds County, MO Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 161 mortgage applications in Reynolds County, MO totaling $15.8 million, down 21% from 2008. The average application was for $98,000, and applicants reported an average income of $60,000. 47% of applications resulted in an originated loan and 26% were denied. The most active lender was US Bank, N.A., with 19 applications, followed by Wells Fargo Bank, NA and Sun Security 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 | 161 |
| Total Mortgage Loan Application Amount | $15,824,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $212,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 19 | $ 1,882,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 15 | $ 1,709,000 |
| Sun Security Bank 400 EAST WALNUT ELLINGTON, MO 63638 |
* | $ 379,916,000 | 13 | $ 656,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 12 | $ 1,362,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 9 | $ 528,000 |
| Ozarks Federal Savings and Loa 2 EAST COLUMBIA STREET FARMINGTON, MO 63640 |
* | $ 211,709,000 | 8 | $ 511,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 7 | $ 632,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 1,028,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 769,000 |
| Excel Bank 818 THOMPSON BLVD SEDALIA, MO 65301 |
* | $ 195,743,000 | 5 | $ 787,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 160,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 768,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 3 | $ 352,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 951,273,000 | 3 | $ 148,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 2 | $ 253,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 271,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 2 | $ 107,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 17,422,344,000 | 2 | $ 97,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 159,000 |
| Belgrade State Bank PO BOX 1 BELGRADE, MO 63622 |
* | $ 174,000,000 | 2 | $ 199,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 148,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 347,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 255,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 8,000 |
| Gershman Investment Corp. 7 N. BEMISTON ST. LOUIS, MO 63105 |
* | $ 31,000,000 | 1 | $ 163,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 53,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 135,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 130,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 153,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 108,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,737,031,000 | 1 | $ 77,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 861,403,000 | 1 | $ 212,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 122,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 566,447,000 | 1 | $ 31,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 6,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 983,127,000 | 1 | $ 41,000 |
| Great Lakes Credit Union 2525 GREEN BAY BANNOCKBURN, IL 60015 |
* | $ 505,744,000 | 1 | $ 50,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 64,372,000 | 1 | $ 130,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 80,855,000 | 1 | $ 189,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 66,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 155,344,000 | 1 | $ 110,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 185,983,000 | 1 | $ 24,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 1 | $ 68,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 145,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ 83,044,000 | 1 | $ 23,000 |
The tables below break down 2009 mortgage applications in Reynolds 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 Reynolds County, MO in 2009
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 | 108 | $11,874,000 | $109,000 | $410,000 | $59,000 | $189,000 |
| Home Purchase | 41 | $3,254,000 | $79,000 | $204,000 | $62,000 | $212,000 |
| Home Improvement | 12 | $696,000 | $58,000 | $190,000 | $68,000 | $132,000 |
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 | 138 | $13,219,000 | $95,000 | $410,000 | $63,000 | $212,000 |
| Not Provided | 13 | $1,433,000 | $110,000 | $242,000 | $49,000 | $124,000 |
| Not applicable | 7 | $834,000 | $119,000 | $212,000 | $45,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $136,000 | $136,000 | $136,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $49,000 | $49,000 | $49,000 | $39,000 | $39,000 |
| Asian | 1 | $153,000 | $153,000 | $153,000 | $33,000 | $33,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 113 | $10,105,000 | $89,000 | $410,000 | $64,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,925,000 | $117,000 | $276,000 | $51,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $370,000 | $92,000 | $204,000 | $35,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 2 | $424,000 | $212,000 | $212,000 | $71,000 | $101,000 |
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 | 76 | $6,994,000 | $92,000 | $242,000 | $68,000 | $212,000 |
| Application Denied By Financial Institution | 42 | $4,091,000 | $97,000 | $392,000 | $53,000 | $180,000 |
| Application Withdrawn By Applicant | 16 | $1,961,000 | $122,000 | $410,000 | $54,000 | $112,000 |
| Loan Purchased By The Institution | 14 | $1,654,000 | $118,000 | $212,000 | $53,000 | $121,000 |
| File Closed For Incompleteness | 8 | $714,000 | $89,000 | $140,000 | $58,000 | $100,000 |
| Application Approved But Not Accepted | 5 | $410,000 | $82,000 | $145,000 | $52,000 | $99,000 |
| 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 | 7 | $490,000 | $70,000 | $204,000 | $39,000 | $86,000 |
| Collateral | 4 | $594,000 | $148,000 | $298,000 | $78,000 | $180,000 |
| Debt-To-Income Ratio | 3 | $150,000 | $50,000 | $70,000 | $43,000 | $53,000 |
| Other | 3 | $231,000 | $77,000 | $153,000 | $77,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $21,000 | $21,000 | $21,000 | $18,000 | $18,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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