Shelby County, MO Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 104 mortgage applications in Shelby County, MO totaling $9.4 million, up 9% from 2008. The average application was for $90,000, and applicants reported an average income of $52,000. 37% of applications resulted in an originated loan and 30% were denied. The most active lender was US Bank North Dakota, with 20 applications, followed by US Bank, N.A. and Hnb National 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 | 104 |
| Total Mortgage Loan Application Amount | $9,364,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $294,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $301,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 20 | $ 2,006,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 13 | $ 1,600,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 355,706,000 | 11 | $ 618,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 6 | $ 253,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 4 | $ 188,000 |
| Bank Midwest, N.A. 320 KANSAS AVE FORT LEAVENWORTH, KS 66027 |
* | $ 4,416,832,000 | 4 | $ 351,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 3 | $ 275,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 259,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 9,262,734,000 | 3 | $ 103,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 136,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 96,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 342,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 114,000 |
| Citizens Bank and Trust Company 7553 NW BARRY ROAD KANSAS CITY, MO 64153 |
* | $ 1,300,598,000 | 2 | $ 310,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 2 | $ 133,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 65,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 149,000 |
| Mercantile Bank 200 NORTH 33RD ST QUINCY, IL 62305 |
* | $ 771,583,000 | 1 | $ 45,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 1 | $ 69,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 1,441,455,000 | 1 | $ 50,000 |
| Premier Bank of Jacksonville 1604 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 120,453,000 | 1 | $ 275,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,737,031,000 | 1 | $ 190,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 155,000 |
| Boulevard Bank 111 E MAIN ST NEOSHO, MO 64850 |
* | $ 138,486,000 | 1 | $ 4,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 45,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 167,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 40,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 34,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 1 | $ 155,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 100,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 98,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 53,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 9,000 |
The tables below break down 2009 mortgage applications in Shelby 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 Shelby County, MO in 2009
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 | 77 | $7,945,000 | $103,000 | $294,000 | $57,000 | $301,000 |
| Home Purchase | 21 | $1,309,000 | $62,000 | $275,000 | $35,000 | $88,000 |
| Home Improvement | 6 | $110,000 | $18,000 | $68,000 | $47,000 | $98,000 |
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 | 87 | $8,218,000 | $94,000 | $294,000 | $55,000 | $301,000 |
| Not applicable | 8 | $347,000 | $43,000 | $88,000 | $20,000 | $54,000 |
| Not Provided | 8 | $787,000 | $98,000 | $159,000 | $62,000 | $134,000 |
| Hispanic | 1 | $12,000 | $12,000 | $12,000 | $32,000 | $32,000 |
| Native Hawaiian 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) | 84 | $7,633,000 | $90,000 | $294,000 | $59,000 | $301,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,534,000 | $90,000 | $155,000 | $27,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 2 | $157,000 | $78,000 | $139,000 | $25,000 | $51,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $40,000 | $40,000 | $40,000 | $15,000 | $15,000 |
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 | 38 | $3,622,000 | $95,000 | $257,000 | $61,000 | $301,000 |
| Application Denied By Financial Institution | 31 | $2,624,000 | $84,000 | $294,000 | $49,000 | $170,000 |
| Loan Purchased By The Institution | 14 | $1,130,000 | $80,000 | $187,000 | $28,000 | $62,000 |
| Application Withdrawn By Applicant | 11 | $966,000 | $87,000 | $275,000 | $40,000 | $71,000 |
| Application Approved But Not Accepted | 6 | $456,000 | $76,000 | $117,000 | $69,000 | $98,000 |
| File Closed For Incompleteness | 4 | $566,000 | $141,000 | $251,000 | $96,000 | $194,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 10 | $900,000 | $90,000 | $243,000 | $64,000 | $170,000 |
| Credit History | 9 | $220,000 | $24,000 | $63,000 | $30,000 | $56,000 |
| Debt-To-Income Ratio | 7 | $1,107,000 | $158,000 | $294,000 | $45,000 | $93,000 |
| Other | 1 | $170,000 | $170,000 | $170,000 | $97,000 | $97,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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