Scotland County, MO Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 41 mortgage applications in Scotland County, MO totaling $4.1 million, down 13% from 2015. The average application was for $100,000, and applicants reported an average income of $63,000. 46% of applications resulted in an originated loan and 32% were denied. The most active lender was US Bank, N.A., with 21 applications, followed by loanDepot.com LLC and Peoples Bank & Trust Co..
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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 | 41 |
| Total Mortgage Loan Application Amount | $4,130,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $285,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 21 | $ 2,071,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 439,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 457,583,000 | 2 | $ 232,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 2 | $ 75,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 16,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 51,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 87,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 400,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 70,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 284,800,000 | 1 | $ 75,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 39,000 |
| Pony Express Community Bank 3702 FARARON STREET SAINT JOSEPH, MO 64506 |
* | $ 74,271,000 | 1 | $ 102,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 69,000 |
The tables below break down 2016 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 2016
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 | 26 | $3,300,000 | $126,000 | $400,000 | $73,000 | $285,000 |
| Home Improvement | 9 | $411,000 | $45,000 | $102,000 | $55,000 | $175,000 |
| Home Purchase | 6 | $419,000 | $69,000 | $87,000 | $31,000 | $55,000 |
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 | 37 | $3,932,000 | $106,000 | $400,000 | $66,000 | $285,000 |
| Not Provided | 2 | $144,000 | $72,000 | $75,000 | $56,000 | $79,000 |
| Not applicable | 1 | $39,000 | $39,000 | $39,000 | $0 | $0 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $30,000 | $30,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 32 | $3,377,000 | $105,000 | $400,000 | $69,000 | $285,000 |
| VA-guaranteed (Veterans Administration) | 5 | $550,000 | $110,000 | $170,000 | $43,000 | $82,000 |
| FHA-insured (Federal Housing Administration) | 3 | $152,000 | $50,000 | $69,000 | $37,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $51,000 | $51,000 | $51,000 | $38,000 | $38,000 |
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 | 19 | $1,644,000 | $86,000 | $230,000 | $68,000 | $285,000 |
| Application Denied By Financial Institution | 13 | $1,470,000 | $113,000 | $250,000 | $66,000 | $158,000 |
| Application Withdrawn By Applicant | 4 | $329,000 | $82,000 | $125,000 | $44,000 | $82,000 |
| Loan Purchased By The Institution | 3 | $271,000 | $90,000 | $179,000 | $48,000 | $74,000 |
| File Closed For Incompleteness | 2 | $416,000 | $208,000 | $400,000 | $59,000 | $94,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4 | $267,000 | $66,000 | $150,000 | $51,000 | $86,000 |
| Collateral | 4 | $661,000 | $165,000 | $204,000 | $122,000 | $158,000 |
| Other | 1 | $46,000 | $46,000 | $46,000 | $42,000 | $42,000 |
| Debt-To-Income Ratio | 1 | $57,000 | $57,000 | $57,000 | $13,000 | $13,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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