Shelby County, MO Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 138 mortgage applications in Shelby County, MO totaling $11.4 million, up 33% from 2009. The average application was for $82,000, and applicants reported an average income of $59,000. 43% of applications resulted in an originated loan and 33% were denied. The most active lender was F & M Bank and Trust Co, with 62 applications, followed by US Bank North Dakota and US Bank, N.A..
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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 | 138 |
| Total Mortgage Loan Application Amount | $11,439,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $270,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| F & M Bank and Trust Co 505 BROADWAY HANNIBAL, MO 63401 |
* | $ 183,198,000 | 62 | $ 4,963,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 21 | $ 1,680,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 16 | $ 1,379,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 321,884,000 | 7 | $ 356,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 4 | $ 418,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 422,715,000 | 3 | $ 334,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 3 | $ 249,000 |
| Mercantile Bank 200 NORTH 33RD ST QUINCY, IL 62305 |
* | $ 792,902,000 | 2 | $ 86,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 305,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 143,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 79,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 105,645,000 | 1 | $ 175,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 576,281,000 | 1 | $ 170,000 |
| Citizens Bank and Trust Company 7553 NW BARRY ROAD KANSAS CITY, MO 64153 |
* | $ 1,087,507,000 | 1 | $ 74,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 160,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 92,576,000 | 1 | $ 137,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ 653,000 | 1 | $ 108,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 1 | $ 77,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 10,219,530,000 | 1 | $ 62,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 60,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,549,701,000 | 1 | $ 114,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,214,301,000 | 1 | $ 65,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 833,054,000 | 1 | $ 58,000 |
The tables below break down 2010 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 2010
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 | $7,359,000 | $95,000 | $225,000 | $70,000 | $270,000 |
| Home Purchase | 53 | $3,794,000 | $71,000 | $191,000 | $48,000 | $181,000 |
| Home Improvement | 8 | $286,000 | $35,000 | $80,000 | $31,000 | $56,000 |
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 | 120 | $9,827,000 | $81,000 | $206,000 | $61,000 | $270,000 |
| Not Provided | 15 | $1,472,000 | $98,000 | $225,000 | $50,000 | $109,000 |
| Not applicable | 2 | $50,000 | $25,000 | $35,000 | $0 | $0 |
| Hispanic | 1 | $90,000 | $90,000 | $90,000 | $115,000 | $115,000 |
| 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) | 120 | $10,163,000 | $84,000 | $225,000 | $62,000 | $270,000 |
| FHA-insured (Federal Housing Administration) | 10 | $703,000 | $70,000 | $117,000 | $50,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $218,000 | $54,000 | $77,000 | $28,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 4 | $355,000 | $88,000 | $102,000 | $29,000 | $36,000 |
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 | 60 | $4,776,000 | $79,000 | $191,000 | $61,000 | $270,000 |
| Application Denied By Financial Institution | 46 | $3,400,000 | $73,000 | $182,000 | $45,000 | $129,000 |
| Application Approved But Not Accepted | 14 | $1,399,000 | $99,000 | $206,000 | $79,000 | $150,000 |
| Application Withdrawn By Applicant | 9 | $1,127,000 | $125,000 | $225,000 | $73,000 | $135,000 |
| Loan Purchased By The Institution | 5 | $427,000 | $85,000 | $150,000 | $48,000 | $72,000 |
| File Closed For Incompleteness | 4 | $310,000 | $77,000 | $136,000 | $120,000 | $270,000 |
| 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 | 16 | $1,190,000 | $74,000 | $182,000 | $38,000 | $72,000 |
| Collateral | 13 | $948,000 | $72,000 | $114,000 | $53,000 | $129,000 |
| Debt-To-Income Ratio | 7 | $510,000 | $72,000 | $102,000 | $39,000 | $65,000 |
| Other | 6 | $343,000 | $57,000 | $78,000 | $53,000 | $79,000 |
| Credit Application Incomplete | 1 | $116,000 | $116,000 | $116,000 | $66,000 | $66,000 |
| 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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