Scotland County, MO Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 49 mortgage applications in Scotland County, MO totaling $6.0 million, up 7% from 2023. The average application was for $123,000, and applicants reported an average income of $89,000. 51% of applications resulted in an originated loan and 10% were denied. The most active lender was US Bank, N.A., with 10 applications, followed by Equity Bank and Guild Mortgage Company.
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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 | 49 |
| Total Mortgage Loan Application Amount | $6,035,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $330,000 |
| 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 |
* | $ n/a | 10 | $ 1,050,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 7 | $ 485,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 620,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 315,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 120,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 60,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 2 | $ 70,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 410,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 95,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ n/a | 1 | $ 85,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 345,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 205,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 725,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 205,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ n/a | 1 | $ 95,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ n/a | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 65,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ n/a | 1 | $ 85,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2024 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 2024
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 | 26 | $3,350,000 | $128,000 | $345,000 | $78,000 | $300,000 |
| Refinancing | 8 | $1,550,000 | $193,000 | $725,000 | $130,000 | $330,000 |
| Other Purpose | 7 | $295,000 | $42,000 | $65,000 | $85,000 | $163,000 |
| Cash-out Refinancing | 6 | $550,000 | $91,000 | $145,000 | $79,000 | $179,000 |
| Home Improvement | 2 | $290,000 | $145,000 | $235,000 | $90,000 | $117,000 |
| 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 | 37 | $4,575,000 | $123,000 | $725,000 | $94,000 | $330,000 |
| Not Provided | 5 | $415,000 | $83,000 | $195,000 | $60,000 | $85,000 |
| Not applicable | 3 | $455,000 | $151,000 | $205,000 | $0 | $0 |
| Hispanic | 2 | $410,000 | $205,000 | $205,000 | $62,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $116,000 | $116,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $84,000 | $84,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 34 | $4,290,000 | $126,000 | $725,000 | $99,000 | $330,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,120,000 | $112,000 | $155,000 | $71,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 4 | $550,000 | $137,000 | $215,000 | $62,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $75,000 | $75,000 | $75,000 | $42,000 | $42,000 |
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 | 25 | $2,965,000 | $118,000 | $345,000 | $87,000 | $300,000 |
| Application Withdrawn By Applicant | 10 | $1,110,000 | $111,000 | $215,000 | $68,000 | $134,000 |
| Application Denied By Financial Institution | 5 | $195,000 | $39,000 | $65,000 | $85,000 | $163,000 |
| Loan Purchased By The Institution | 4 | $550,000 | $137,000 | $205,000 | $54,000 | $54,000 |
| File Closed For Incompleteness | 3 | $985,000 | $328,000 | $725,000 | $190,000 | $330,000 |
| Application Approved But Not Accepted | 2 | $230,000 | $115,000 | $155,000 | $86,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 43 | $5,745,000 | $133,000 | $725,000 | $84,000 | $330,000 |
| Credit History | 3 | $95,000 | $31,000 | $65,000 | $104,000 | $163,000 |
| Debt-To-Income Ratio | 1 | $95,000 | $95,000 | $95,000 | $300,000 | $300,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $49,000 | $49,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $65,000 | $65,000 |
| Collateral | 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.
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