Shannon County, MO Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 137 mortgage applications in Shannon County, MO totaling $12.0 million, up 20% from 2011. The average application was for $87,000, and applicants reported an average income of $43,000. 40% of applications resulted in an originated loan and 42% were denied. The most active lender was Landmark Bank N.A., with 55 applications, followed by Vanderbilt Mortgage and Finance, Inc and Town & Country Bank.
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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 | 137 |
| Total Mortgage Loan Application Amount | $11,993,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $290,000 |
Top Mortgage Lenders in Shannon County, MO (2012)
Ranked by the number of mortgage applications each lender reported in Shannon County, MO in 2012.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Landmark Bank N.A. Columbia, MO |
55 | $4,198,000 | $76,000 | $40,000 |
| 2 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
8 | $492,000 | $61,000 | $29,000 |
| 3 | Town & Country Bank Salem, MO |
6 | $416,000 | $69,000 | $34,000 |
| 4 | Das Acquisition Company, LLC Saint Louis, MO |
5 | $564,000 | $112,000 | $23,000 |
| 5 | Wells Fargo Bank NA Minneapolis, MN |
5 | $419,000 | $83,000 | $48,000 |
| 6 | JPMorgan Chase Bank, NA Columbus, OH |
5 | $336,000 | $67,000 | $22,000 |
| 7 | USAA Federal Savings Bank San Antonio, TX |
4 | $496,000 | $124,000 | $62,000 |
| 8 | Conservation Employees Credit Union Jefferson City, MO |
3 | $227,000 | $75,000 | $92,000 |
| 9 | US Bank, N.A. Cincinnati, OH |
3 | $226,000 | $75,000 | $66,000 |
| 10 | 21st Mortgage Knoxville, TN |
2 | $102,000 | $51,000 | $22,000 |
The tables below break down 2012 mortgage applications in Shannon 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 Shannon 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 | 90 | $8,691,000 | $96,000 | $300,000 | $43,000 | $233,000 |
| Home Purchase | 37 | $2,759,000 | $74,000 | $300,000 | $39,000 | $168,000 |
| Home Improvement | 10 | $543,000 | $54,000 | $175,000 | $60,000 | $290,000 |
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 | 121 | $10,654,000 | $88,000 | $300,000 | $46,000 | $290,000 |
| Not Provided | 8 | $655,000 | $81,000 | $163,000 | $36,000 | $90,000 |
| Not applicable | 6 | $475,000 | $79,000 | $96,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $92,000 | $92,000 | $92,000 | $43,000 | $43,000 |
| Hispanic | 1 | $117,000 | $117,000 | $117,000 | $30,000 | $30,000 |
| 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) | 116 | $9,766,000 | $84,000 | $300,000 | $46,000 | $290,000 |
| FHA-insured (Federal Housing Administration) | 8 | $943,000 | $117,000 | $216,000 | $16,000 | $54,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $570,000 | $81,000 | $112,000 | $22,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 6 | $714,000 | $119,000 | $163,000 | $54,000 | $75,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 57 | $4,470,000 | $78,000 | $240,000 | $39,000 | $168,000 |
| Loan Originated | 55 | $5,221,000 | $94,000 | $300,000 | $50,000 | $233,000 |
| Application Withdrawn By Applicant | 10 | $1,151,000 | $115,000 | $216,000 | $35,000 | $75,000 |
| Loan Purchased By The Institution | 9 | $811,000 | $90,000 | $175,000 | $33,000 | $290,000 |
| File Closed For Incompleteness | 3 | $142,000 | $47,000 | $76,000 | $29,000 | $35,000 |
| Application Approved But Not Accepted | 3 | $198,000 | $66,000 | $129,000 | $61,000 | $111,000 |
| 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 | 19 | $979,000 | $51,000 | $117,000 | $43,000 | $168,000 |
| Debt-To-Income Ratio | 8 | $948,000 | $118,000 | $215,000 | $37,000 | $61,000 |
| Collateral | 6 | $716,000 | $119,000 | $240,000 | $35,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $279,000 | $93,000 | $113,000 | $58,000 | $90,000 |
| Credit Application Incomplete | 2 | $194,000 | $97,000 | $149,000 | $48,000 | $65,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $89,000 | $89,000 |
| Unverifiable Information | 1 | $63,000 | $63,000 | $63,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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