Shelby County, MO Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 105 mortgage applications in Shelby County, MO totaling $10.9 million, down 15% from 2012. The average application was for $104,000, and applicants reported an average income of $76,000. 50% of applications resulted in an originated loan and 30% were denied. The most active lender was F & M Bank and Trust Company, with 38 applications, followed by US Bank, N.A. and Nbh 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 | 105 |
| Total Mortgage Loan Application Amount | $10,934,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $593,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| F & M Bank and Trust Company PO BOX 938 HANNIBAL, MO 63401 |
* | $ 142,111,000 | 38 | $ 4,857,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 25 | $ 1,628,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 5,302,932,000 | 5 | $ 294,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 127,530,000 | 2 | $ 298,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 404,150,000 | 2 | $ 90,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 2 | $ 357,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 14,689,863,000 | 2 | $ 98,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 136,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 154,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 99,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 94,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 170,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 295,501,000 | 1 | $ 215,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 237,850,000 | 1 | $ 116,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 170,000 |
| Cornerstone Mortgage, Inc. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ 10,000,000 | 1 | $ 267,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 101,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 1 | $ 56,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 169,000 |
| First County Bank 14-22 E HANOVER NEW BADEN, IL 62265 |
* | $ 387,962,000 | 1 | $ 430,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,326,173,000 | 1 | $ 52,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 73,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 953,650,000 | 1 | $ 146,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 259,651,000 | 1 | $ 121,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 34,000 |
| Gateway Metro Federal Credit U 1001 PINE ST SAINT LOUIS, MO 63101 |
* | $ 173,349,000 | 1 | $ 60,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 1 | $ 81,000 |
The tables below break down 2013 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 2013
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 | 64 | $6,709,000 | $104,000 | $817,000 | $81,000 | $593,000 |
| Home Purchase | 31 | $3,998,000 | $128,000 | $1,600,000 | $70,000 | $217,000 |
| Home Improvement | 10 | $227,000 | $22,000 | $73,000 | $67,000 | $115,000 |
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 | 89 | $8,929,000 | $100,000 | $1,600,000 | $75,000 | $265,000 |
| Not Provided | 9 | $531,000 | $59,000 | $101,000 | $67,000 | $181,000 |
| Not applicable | 5 | $1,307,000 | $261,000 | $817,000 | $145,000 | $593,000 |
| Asian | 1 | $163,000 | $163,000 | $163,000 | $0 | $0 |
| Hispanic | 1 | $4,000 | $4,000 | $4,000 | $31,000 | $31,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 81 | $8,683,000 | $107,000 | $1,600,000 | $87,000 | $593,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $817,000 | $58,000 | $135,000 | $34,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 6 | $835,000 | $139,000 | $267,000 | $51,000 | $93,000 |
| FHA-insured (Federal Housing Administration) | 4 | $599,000 | $149,000 | $256,000 | $48,000 | $105,000 |
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 | 53 | $6,343,000 | $119,000 | $1,600,000 | $89,000 | $593,000 |
| Application Denied By Financial Institution | 32 | $2,718,000 | $84,000 | $245,000 | $61,000 | $181,000 |
| Application Approved But Not Accepted | 10 | $964,000 | $96,000 | $267,000 | $79,000 | $217,000 |
| Application Withdrawn By Applicant | 4 | $365,000 | $91,000 | $170,000 | $60,000 | $93,000 |
| File Closed For Incompleteness | 3 | $106,000 | $35,000 | $55,000 | $62,000 | $90,000 |
| Loan Purchased By The Institution | 3 | $438,000 | $146,000 | $256,000 | $45,000 | $87,000 |
| 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 | 12 | $879,000 | $73,000 | $245,000 | $60,000 | $108,000 |
| Debt-To-Income Ratio | 5 | $233,000 | $46,000 | $92,000 | $35,000 | $46,000 |
| Collateral | 4 | $350,000 | $87,000 | $131,000 | $63,000 | $128,000 |
| Other | 3 | $264,000 | $88,000 | $169,000 | $98,000 | $181,000 |
| Credit Application Incomplete | 1 | $66,000 | $66,000 | $66,000 | $47,000 | $47,000 |
| 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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