Scotland County, MO Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 66 mortgage applications in Scotland County, MO totaling $5.8 million, up 32% from 2011. The average application was for $87,000, and applicants reported an average income of $63,000. 44% of applications resulted in an originated loan and 39% were denied. The most active lender was US Bk NA Nd, with 33 applications, followed by US Bank, N.A. and Wells Fargo Bank NA.
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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 | 66 |
| Total Mortgage Loan Application Amount | $5,769,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $314,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $390,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 33 | $ 2,429,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 9 | $ 857,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 6 | $ 598,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 6,236,548,000 | 3 | $ 174,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 408,616,000 | 3 | $ 317,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 954,685,000 | 2 | $ 155,000 |
| F & M Bank and Trust Company PO BOX 938 HANNIBAL, MO 63401 |
* | $ 186,802,000 | 2 | $ 87,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 132,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,355,656,000 | 1 | $ 112,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 57,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 73,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 83,537,000 | 1 | $ 220,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 217,217,000 | 1 | $ 202,000 |
The tables below break down 2012 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 2012
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 | 44 | $4,470,000 | $101,000 | $314,000 | $69,000 | $390,000 |
| Home Purchase | 13 | $1,017,000 | $78,000 | $203,000 | $51,000 | $101,000 |
| Home Improvement | 9 | $282,000 | $31,000 | $77,000 | $48,000 | $93,000 |
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 | 61 | $5,135,000 | $84,000 | $250,000 | $62,000 | $390,000 |
| Not Provided | 4 | $579,000 | $144,000 | $314,000 | $88,000 | $113,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 63 | $5,384,000 | $85,000 | $314,000 | $65,000 | $390,000 |
| FHA-insured (Federal Housing Administration) | 3 | $385,000 | $128,000 | $160,000 | $16,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 29 | $2,483,000 | $85,000 | $220,000 | $76,000 | $390,000 |
| Application Denied By Financial Institution | 26 | $2,344,000 | $90,000 | $314,000 | $49,000 | $100,000 |
| Loan Purchased By The Institution | 4 | $520,000 | $130,000 | $203,000 | $58,000 | $101,000 |
| Application Withdrawn By Applicant | 3 | $202,000 | $67,000 | $73,000 | $63,000 | $112,000 |
| File Closed For Incompleteness | 2 | $79,000 | $39,000 | $49,000 | $35,000 | $36,000 |
| Application Approved But Not Accepted | 2 | $141,000 | $70,000 | $83,000 | $95,000 | $139,000 |
| 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 | 10 | $957,000 | $95,000 | $314,000 | $51,000 | $89,000 |
| Collateral | 6 | $655,000 | $109,000 | $250,000 | $52,000 | $73,000 |
| Debt-To-Income Ratio | 5 | $413,000 | $82,000 | $135,000 | $33,000 | $54,000 |
| Other | 3 | $97,000 | $32,000 | $38,000 | $41,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $90,000 | $90,000 | $90,000 | $59,000 | $59,000 |
| 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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