Ripley County, MO Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 489 mortgage applications in Ripley County, MO totaling $60.5 million, down 22% from 2021. The average application was for $123,000, and applicants reported an average income of $74,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was Southern Bank, with 103 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 | 489 |
| Total Mortgage Loan Application Amount | $60,545,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $740,000 |
Top Mortgage Lenders in Ripley County, MO (2022)
Ranked by the number of mortgage applications each lender reported in Ripley County, MO in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Southern Bank Poplar Bluff, MO |
103 | $11,075,000 | $107,000 | $84,000 |
| 2 | Peoples Community Bank Greenville, MO |
93 | $9,445,000 | $101,000 | $69,000 |
| 3 | Das Acquisition Company, LLC Saint Louis, MO |
47 | $6,025,000 | $128,000 | $50,000 |
| 4 | Flanagan State Bank Flanagan, IL |
22 | $2,570,000 | $116,000 | $54,000 |
| 5 | Village Capital & Investment Henderson, NV |
21 | $2,325,000 | $110,000 | $44,000 |
| 6 | PennyMac Loan Services LLC Westlake Village, CA |
16 | $2,630,000 | $164,000 | $77,000 |
| 7 | First Midwest Bank of the Ozarks Poplar Bluff, MO |
10 | $1,180,000 | $118,000 | $102,000 |
| 8 | Amerisave Mortgage Company Sandy Springs, GA |
8 | $1,370,000 | $171,000 | $77,000 |
| 9 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
8 | $910,000 | $113,000 | $0 |
| 10 | Newrez LLC Fort Washington, PA |
7 | $995,000 | $142,000 | $60,000 |
The tables below break down 2022 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 2022
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 | 283 | $36,615,000 | $129,000 | $715,000 | $78,000 | $740,000 |
| Refinancing | 87 | $9,935,000 | $114,000 | $375,000 | $72,000 | $527,000 |
| Cash-out Refinancing | 68 | $10,180,000 | $149,000 | $525,000 | $60,000 | $163,000 |
| Home Improvement | 26 | $1,250,000 | $48,000 | $135,000 | $74,000 | $175,000 |
| Other Purpose | 23 | $2,445,000 | $106,000 | $395,000 | $89,000 | $345,000 |
| Not Applicable | 2 | $120,000 | $60,000 | $75,000 | $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 | 361 | $44,745,000 | $123,000 | $715,000 | $77,000 | $740,000 |
| Not applicable | 69 | $7,885,000 | $114,000 | $345,000 | $47,000 | $58,000 |
| Not Provided | 51 | $6,765,000 | $132,000 | $255,000 | $58,000 | $176,000 |
| Asian | 3 | $345,000 | $115,000 | $145,000 | $77,000 | $121,000 |
| Hispanic | 2 | $340,000 | $170,000 | $175,000 | $72,000 | $87,000 |
| American Indian or Alaskan Native | 2 | $240,000 | $120,000 | $125,000 | $38,000 | $76,000 |
| Black or African American | 1 | $225,000 | $225,000 | $225,000 | $68,000 | $68,000 |
| 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) | 321 | $37,275,000 | $116,000 | $485,000 | $82,000 | $740,000 |
| FHA-insured (Federal Housing Administration) | 69 | $9,475,000 | $137,000 | $285,000 | $56,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $6,365,000 | $101,000 | $205,000 | $49,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 36 | $7,430,000 | $206,000 | $715,000 | $69,000 | $212,000 |
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 | 269 | $32,785,000 | $121,000 | $715,000 | $81,000 | $740,000 |
| Application Denied By Financial Institution | 72 | $8,030,000 | $111,000 | $295,000 | $57,000 | $384,000 |
| Application Withdrawn By Applicant | 62 | $8,610,000 | $138,000 | $395,000 | $64,000 | $176,000 |
| Loan Purchased By The Institution | 61 | $7,895,000 | $129,000 | $525,000 | $80,000 | $209,000 |
| File Closed For Incompleteness | 12 | $1,420,000 | $118,000 | $245,000 | $100,000 | $527,000 |
| Application Approved But Not Accepted | 12 | $1,670,000 | $139,000 | $375,000 | $66,000 | $96,000 |
| Preapproval Approved but not Accepted | 1 | $135,000 | $135,000 | $135,000 | $65,000 | $65,000 |
| 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 | 327 | $42,775,000 | $130,000 | $715,000 | $80,000 | $740,000 |
| Debt-To-Income Ratio | 113 | $11,725,000 | $103,000 | $405,000 | $67,000 | $243,000 |
| Credit History | 15 | $1,585,000 | $105,000 | $255,000 | $60,000 | $204,000 |
| Collateral | 14 | $2,040,000 | $145,000 | $265,000 | $50,000 | $113,000 |
| Credit Application Incomplete | 8 | $1,050,000 | $131,000 | $235,000 | $67,000 | $103,000 |
| Other | 8 | $760,000 | $95,000 | $155,000 | $46,000 | $76,000 |
| Unverifiable Information | 2 | $440,000 | $220,000 | $295,000 | $242,000 | $384,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $95,000 | $30,000 | $31,000 |
| Mortgage Insurance Denied | 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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