Saline County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 744 mortgage applications in Saline County, MO totaling $111.5 million, up 2% from 2024. The average application was for $149,000, and applicants reported an average income of $85,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Flat Branch Mortgage, Inc., with 102 applications, followed by Wood & Huston Bank and PennyMac Loan Services 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 | 744 |
| Total Mortgage Loan Application Amount | $111,490,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $2,165,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,825,000 |
* 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 |
|---|---|---|---|---|
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 102 | $ 16,920,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ n/a | 71 | $ 9,795,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 63 | $ 10,425,000 |
| Community Bank of Marshall P.O. BOX 700 MARSHALL, MO 65340 |
* | $ n/a | 58 | $ 6,400,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ n/a | 41 | $ 5,625,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ n/a | 27 | $ 2,635,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 24 | $ 3,530,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 20 | $ 3,820,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 16 | $ 1,720,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 15 | $ 1,245,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ n/a | 14 | $ 2,460,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 12 | $ 1,830,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 12 | $ 1,190,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 12 | $ 2,320,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 12 | $ 1,920,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 12 | $ 2,600,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 9 | $ 995,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 1,430,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 8 | $ 1,170,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 735,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 6 | $ 850,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 730,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 6 | $ 610,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 6 | $ 820,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 955,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 325,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 335,000 |
| State Bank of Missouri 101 NW 2ND ST. CONCORDIA, MO 64020 |
* | $ n/a | 5 | $ 535,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 745,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ n/a | 4 | $ 680,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 470,000 |
| Central Missouri Community Credit Union 620 N MAGUIRE WARRENSBURG, MO 64093 |
* | $ n/a | 4 | $ 310,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 150,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 590,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 300,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 4 | $ 680,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 680,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 565,000 |
| City Lending Inc. 8150 LEESBURG PIKE SUITE 405 VIENNA, VA 22182 |
* | $ n/a | 3 | $ 355,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 3 | $ 335,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 3 | $ 515,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 3 | $ 355,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 595,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 405,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 265,000 |
| Commercial Trust Company 119 NORTH MAIN STREET FAYETTE, MO 65248 |
* | $ n/a | 2 | $ 160,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 150,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 2 | $ 700,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 990,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 360,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ n/a | 2 | $ 380,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 100,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 240,000 |
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ n/a | 2 | $ 490,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 200,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 160,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 2,820,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 310,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 420,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 790,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 320,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 225,000 |
| F & C Bank P.O. BOX 157 HOLDEN, MO 64040 |
* | $ n/a | 1 | $ 335,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 65,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 205,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 35,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 165,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 305,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 175,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 185,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ n/a | 1 | $ 345,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 455,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 575,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 125,000 |
| Bank of Odessa 301 W HIGHWAY 40 ODESSA, MO 64076 |
* | $ n/a | 1 | $ 65,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 105,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ n/a | 1 | $ 5,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 355,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 55,000 |
| Concordia Bank 547 S MAIN ST. CONCORDIA, MO 64020 |
* | $ n/a | 1 | $ 175,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 15,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 115,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 55,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ n/a | 1 | $ 145,000 |
| Los Angeles Police FCU 16150 SHERMAN WAY VAN NUYS, CA 91406 |
* | $ n/a | 1 | $ 55,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 105,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ n/a | 1 | $ 115,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ n/a | 1 | $ 95,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 125,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 1 | $ 135,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ n/a | 1 | $ 1,775,000 |
| Transportation Federal Credit Union 1600 CAMERON STREET ALEXANDRIA, VA 22314 |
* | $ n/a | 1 | $ 55,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ n/a | 1 | $ 205,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 105,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Saline 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 Saline 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 | 421 | $69,195,000 | $164,000 | $1,775,000 | $88,000 | $1,825,000 |
| Cash-out Refinancing | 144 | $17,900,000 | $124,000 | $565,000 | $69,000 | $213,000 |
| Refinancing | 104 | $19,280,000 | $185,000 | $2,165,000 | $113,000 | $775,000 |
| Home Improvement | 39 | $2,625,000 | $67,000 | $245,000 | $71,000 | $179,000 |
| Other Purpose | 35 | $2,365,000 | $67,000 | $215,000 | $87,000 | $290,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $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 | 432 | $62,390,000 | $144,000 | $1,765,000 | $89,000 | $1,193,000 |
| Not applicable | 117 | $23,515,000 | $200,000 | $2,165,000 | $92,000 | $158,000 |
| Hispanic | 90 | $11,370,000 | $126,000 | $475,000 | $67,000 | $184,000 |
| Not Provided | 71 | $10,055,000 | $141,000 | $285,000 | $65,000 | $209,000 |
| Black or African American | 20 | $2,280,000 | $114,000 | $275,000 | $148,000 | $1,825,000 |
| Asian | 6 | $740,000 | $123,000 | $295,000 | $107,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $845,000 | $169,000 | $235,000 | $90,000 | $120,000 |
| American Indian or Alaskan Native | 3 | $295,000 | $98,000 | $175,000 | $54,000 | $94,000 |
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) | 401 | $54,165,000 | $135,000 | $2,165,000 | $98,000 | $1,825,000 |
| FHA-insured (Federal Housing Administration) | 183 | $30,905,000 | $168,000 | $495,000 | $69,000 | $386,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 116 | $17,600,000 | $151,000 | $275,000 | $62,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 44 | $8,820,000 | $200,000 | $305,000 | $70,000 | $181,000 |
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 | 425 | $65,925,000 | $155,000 | $2,165,000 | $91,000 | $1,825,000 |
| Loan Purchased By The Institution | 102 | $17,070,000 | $167,000 | $575,000 | $70,000 | $158,000 |
| Application Denied By Financial Institution | 96 | $10,370,000 | $108,000 | $305,000 | $62,000 | $209,000 |
| Application Withdrawn By Applicant | 84 | $12,680,000 | $150,000 | $345,000 | $87,000 | $1,193,000 |
| File Closed For Incompleteness | 22 | $2,910,000 | $132,000 | $495,000 | $79,000 | $266,000 |
| Application Approved But Not Accepted | 10 | $1,750,000 | $175,000 | $495,000 | $90,000 | $263,000 |
| Preapproval Denied by Financial Institution | 3 | $315,000 | $105,000 | $165,000 | $88,000 | $119,000 |
| Preapproval Approved but not Accepted | 2 | $470,000 | $235,000 | $245,000 | $116,000 | $132,000 |
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 | 471 | $76,085,000 | $161,000 | $2,165,000 | $77,000 | $516,000 |
| Debt-To-Income Ratio | 202 | $28,050,000 | $138,000 | $1,775,000 | $110,000 | $1,825,000 |
| Credit History | 30 | $2,750,000 | $91,000 | $305,000 | $70,000 | $200,000 |
| Collateral | 19 | $1,545,000 | $81,000 | $195,000 | $50,000 | $121,000 |
| Credit Application Incomplete | 14 | $2,000,000 | $142,000 | $275,000 | $89,000 | $209,000 |
| Other | 6 | $720,000 | $120,000 | $205,000 | $41,000 | $72,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $56,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $71,000 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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