Ripley County, MO Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 403 mortgage applications in Ripley County, MO totaling $58.5 million, up 1% from 2023. The average application was for $145,000, and applicants reported an average income of $85,000. 49% of applications resulted in an originated loan and 18% were denied. The most active lender was Southern Bank, with 77 applications, followed by Peoples Community Bank and Das Acquisition Company, LLC.
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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 | 403 |
| Total Mortgage Loan Application Amount | $58,545,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,066,000 |
* 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 |
|---|---|---|---|---|
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 77 | $ 7,155,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ n/a | 44 | $ 5,860,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 35 | $ 5,665,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 31 | $ 4,345,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 20 | $ 2,830,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 16 | $ 2,630,000 |
| First Midwest Bank of the Ozarks P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63901 |
* | $ n/a | 13 | $ 1,985,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 1,795,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 1,985,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 8 | $ 730,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 8 | $ 1,280,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 6 | $ 780,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 915,000 |
| Sterling Bank P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63901 |
* | $ n/a | 5 | $ 995,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 675,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 5 | $ 535,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 430,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 4 | $ 290,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 390,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 520,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 1,050,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 4 | $ 890,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 320,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 305,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ n/a | 3 | $ 595,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 3 | $ 525,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 3 | $ 365,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 165,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 415,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 745,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 615,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 2 | $ 690,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 440,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 230,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 450,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 350,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 180,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 665,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 195,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 145,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 85,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 665,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ n/a | 1 | $ 1,045,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 135,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 345,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 65,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 325,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 225,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 315,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 295,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 1 | $ 15,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 245,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 155,000 |
| First Midwest Bank of Dexter 819 WEST BUSINESS HIGHWAY 60 DEXTER, MO 63841 |
* | $ n/a | 1 | $ 135,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 165,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ n/a | 1 | $ 95,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ n/a | 1 | $ 105,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 125,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 125,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 125,000 |
| Fnbc Bank 636 ASH FLAT DR ASH FLAT, AR 72513 |
* | $ n/a | 1 | $ 145,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ n/a | 1 | $ 175,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ n/a | 1 | $ 255,000 |
The tables below break down 2024 mortgage applications in Ripley 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 Ripley County, MO in 2024
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 | 234 | $37,340,000 | $159,000 | $1,045,000 | $86,000 | $748,000 |
| Cash-out Refinancing | 63 | $9,655,000 | $153,000 | $415,000 | $74,000 | $263,000 |
| Refinancing | 52 | $8,180,000 | $157,000 | $1,045,000 | $101,000 | $1,066,000 |
| Other Purpose | 29 | $2,085,000 | $71,000 | $325,000 | $85,000 | $179,000 |
| Home Improvement | 25 | $1,285,000 | $51,000 | $185,000 | $88,000 | $229,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 289 | $38,345,000 | $132,000 | $665,000 | $81,000 | $748,000 |
| Not applicable | 66 | $10,140,000 | $153,000 | $375,000 | $93,000 | $93,000 |
| Not Provided | 36 | $6,260,000 | $173,000 | $485,000 | $76,000 | $229,000 |
| Black or African American | 5 | $655,000 | $131,000 | $195,000 | $46,000 | $89,000 |
| Asian | 4 | $2,520,000 | $630,000 | $1,045,000 | $512,000 | $1,066,000 |
| Hispanic | 2 | $430,000 | $215,000 | $275,000 | $102,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $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) | 233 | $30,545,000 | $131,000 | $1,045,000 | $92,000 | $1,066,000 |
| FHA-insured (Federal Housing Administration) | 71 | $11,415,000 | $160,000 | $365,000 | $64,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 56 | $10,990,000 | $196,000 | $405,000 | $89,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $5,595,000 | $130,000 | $285,000 | $61,000 | $106,000 |
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 | 199 | $27,875,000 | $140,000 | $1,045,000 | $85,000 | $748,000 |
| Application Denied By Financial Institution | 74 | $10,720,000 | $144,000 | $1,045,000 | $84,000 | $1,066,000 |
| Loan Purchased By The Institution | 61 | $9,815,000 | $160,000 | $375,000 | $75,000 | $93,000 |
| Application Withdrawn By Applicant | 48 | $6,720,000 | $140,000 | $595,000 | $87,000 | $300,000 |
| File Closed For Incompleteness | 15 | $2,515,000 | $167,000 | $485,000 | $99,000 | $263,000 |
| Application Approved But Not Accepted | 6 | $900,000 | $150,000 | $285,000 | $70,000 | $135,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 271 | $39,515,000 | $145,000 | $665,000 | $83,000 | $748,000 |
| Debt-To-Income Ratio | 79 | $11,065,000 | $140,000 | $1,045,000 | $88,000 | $719,000 |
| Credit History | 22 | $2,290,000 | $104,000 | $295,000 | $57,000 | $138,000 |
| Collateral | 17 | $2,945,000 | $173,000 | $665,000 | $105,000 | $229,000 |
| Credit Application Incomplete | 9 | $1,855,000 | $206,000 | $1,045,000 | $188,000 | $1,066,000 |
| Other | 4 | $560,000 | $140,000 | $245,000 | $46,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $315,000 | $315,000 | $315,000 | $8,000 | $8,000 |
| 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 |
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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