Scotland County, MO Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 76 mortgage applications in Scotland County, MO totaling $7.0 million, down 8% from 2007. The average application was for $92,000, and applicants reported an average income of $56,000. 36% of applications resulted in an originated loan and 42% were denied. The most active lender was US Bank North Dakota, with 26 applications, followed by Beneficial Company LLC and US Bank, N.A..
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Missouri.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 76 |
| Total Mortgage Loan Application Amount | $7,030,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $420,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $271,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 26 | $ 1,135,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 8 | $ 532,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 7 | $ 851,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 4 | $ 387,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 4 | $ 676,000 |
| Bank Midwest, N.A. 320 KANSAS AVE FORT LEAVENWORTH, KS 66027 |
* | $ 4,197,518,000 | 3 | $ 130,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 211,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 2 | $ 700,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 2 | $ 188,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 56,943,000 | 2 | $ 75,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 176,958,000 | 1 | $ 49,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 26,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 75,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 178,074,000 | 1 | $ 420,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 190,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 62,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 55,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 171,611,000 | 1 | $ 153,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 272,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 83,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 360,591,000 | 1 | $ 250,000 |
The tables below break down 2008 mortgage applications in Scotland 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 Scotland County, MO in 2008
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 | 55 | $5,286,000 | $96,000 | $420,000 | $51,000 | $204,000 |
| Home Purchase | 18 | $1,680,000 | $93,000 | $271,000 | $79,000 | $271,000 |
| Home Improvement | 3 | $64,000 | $21,000 | $48,000 | $24,000 | $33,000 |
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 | 62 | $5,887,000 | $94,000 | $350,000 | $61,000 | $271,000 |
| Not Provided | 10 | $419,000 | $41,000 | $94,000 | $40,000 | $155,000 |
| Not applicable | 2 | $615,000 | $307,000 | $420,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $58,000 | $58,000 |
| Hispanic | 1 | $64,000 | $64,000 | $64,000 | $31,000 | $31,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 65 | $5,755,000 | $88,000 | $420,000 | $56,000 | $271,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,172,000 | $130,000 | $271,000 | $66,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $103,000 | $51,000 | $68,000 | $25,000 | $30,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 32 | $2,380,000 | $74,000 | $350,000 | $49,000 | $170,000 |
| Loan Originated | 27 | $3,056,000 | $113,000 | $420,000 | $64,000 | $271,000 |
| File Closed For Incompleteness | 6 | $307,000 | $51,000 | $79,000 | $64,000 | $155,000 |
| Application Withdrawn By Applicant | 5 | $371,000 | $74,000 | $151,000 | $62,000 | $108,000 |
| Application Approved But Not Accepted | 3 | $597,000 | $199,000 | $350,000 | $76,000 | $156,000 |
| Loan Purchased By The Institution | 3 | $319,000 | $106,000 | $195,000 | $22,000 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $915,000 | $101,000 | $350,000 | $70,000 | $139,000 |
| Credit History | 6 | $119,000 | $19,000 | $28,000 | $31,000 | $60,000 |
| Debt-To-Income Ratio | 3 | $435,000 | $145,000 | $272,000 | $18,000 | $40,000 |
| Employment History | 2 | $73,000 | $36,000 | $52,000 | $25,000 | $26,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $20,000 | $20,000 |
| Other | 1 | $29,000 | $29,000 | $29,000 | $53,000 | $53,000 |
| Unverifiable Information | 1 | $271,000 | $271,000 | $271,000 | $170,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About