Scotland County, MO Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 46 mortgage applications in Scotland County, MO totaling $6.1 million, down 22% from 2022. The average application was for $132,000, and applicants reported an average income of $78,000. 59% of applications resulted in an originated loan and 9% were denied. The most active lender was US Bank, N.A., with 13 applications, followed by PennyMac Loan Services LLC and First Savings Bank.
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 | 46 |
| Total Mortgage Loan Application Amount | $6,110,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $210,000 |
| 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 |
* | $ 585,135,605,000 | 13 | $ 1,685,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 470,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 3 | $ 455,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 2 | $ 160,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 180,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 300,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ 199,413,000 | 2 | $ 200,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 180,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 95,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 55,000 |
| Verimore Bank PO BOX 190 BROOKFIELD, MO 64628 |
* | $ 452,884,000 | 1 | $ 105,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,845,506,000 | 1 | $ 155,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 956,239,000 | 1 | $ 215,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 939,053,000 | 1 | $ 245,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 95,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 155,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 105,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 65,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2023 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 2023
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 | 32 | $4,660,000 | $145,000 | $585,000 | $76,000 | $200,000 |
| Cash-out Refinancing | 8 | $810,000 | $101,000 | $165,000 | $60,000 | $96,000 |
| Other Purpose | 4 | $270,000 | $67,000 | $105,000 | $131,000 | $210,000 |
| Refinancing | 2 | $370,000 | $185,000 | $215,000 | $64,000 | $64,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 38 | $5,260,000 | $138,000 | $585,000 | $79,000 | $210,000 |
| Not applicable | 6 | $650,000 | $108,000 | $165,000 | $0 | $0 |
| Not Provided | 2 | $200,000 | $100,000 | $105,000 | $58,000 | $75,000 |
| 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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 24 | $3,650,000 | $152,000 | $585,000 | $92,000 | $210,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,395,000 | $126,000 | $255,000 | $68,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 8 | $860,000 | $107,000 | $155,000 | $59,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $205,000 | $68,000 | $85,000 | $52,000 | $70,000 |
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 | 27 | $3,595,000 | $133,000 | $585,000 | $80,000 | $210,000 |
| Application Withdrawn By Applicant | 7 | $1,045,000 | $149,000 | $575,000 | $85,000 | $200,000 |
| Application Denied By Financial Institution | 4 | $520,000 | $130,000 | $255,000 | $80,000 | $136,000 |
| Loan Purchased By The Institution | 4 | $440,000 | $110,000 | $165,000 | $64,000 | $64,000 |
| Application Approved But Not Accepted | 2 | $200,000 | $100,000 | $155,000 | $40,000 | $40,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $56,000 | $56,000 |
| Preapproval Denied by Financial Institution | 1 | $245,000 | $245,000 | $245,000 | $53,000 | $53,000 |
| Preapproval Approved but not Accepted | 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 | 40 | $5,240,000 | $131,000 | $585,000 | $79,000 | $210,000 |
| Debt-To-Income Ratio | 3 | $505,000 | $168,000 | $245,000 | $37,000 | $59,000 |
| Credit History | 2 | $110,000 | $55,000 | $65,000 | $93,000 | $93,000 |
| Collateral | 1 | $255,000 | $255,000 | $255,000 | $136,000 | $136,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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