Shelby County, MO Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 45 mortgage applications in Shelby County, MO totaling $3.4 million, down 44% from 2014. The average application was for $76,000, and applicants reported an average income of $42,000. 58% of applications resulted in an originated loan and 20% were denied. The most active lender was US Bank, N.A., with 17 applications, followed by United Community Bank 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 | 45 |
| Total Mortgage Loan Application Amount | $3,445,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $260,000 |
| Average Applicant Income | $42,000 |
| Highest Applicant Income | $117,000 |
| 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 |
* | $ 398,978,359,000 | 17 | $ 1,303,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,090,048,000 | 3 | $ 283,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 399,039,000 | 2 | $ 289,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 157,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,722,697,000 | 1 | $ 24,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 1 | $ 109,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 311,754,000 | 1 | $ 3,000 |
| Enterprise Bank & Trust 150 N. MERAMEC AVE. CLAYTON, MO 63105 |
* | $ 3,257,878,000 | 1 | $ 76,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 1 | $ 61,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 60,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 70,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 12,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 24,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 854,981,000 | 1 | $ 172,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 1,892,137,000 | 1 | $ 43,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 55,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 58,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 4,800,524,000 | 1 | $ 10,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 282,802,000 | 1 | $ 68,000 |
The tables below break down 2015 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 2015
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 | 23 | $1,639,000 | $71,000 | $260,000 | $39,000 | $117,000 |
| Home Purchase | 18 | $1,752,000 | $97,000 | $237,000 | $46,000 | $87,000 |
| Home Improvement | 4 | $54,000 | $13,000 | $29,000 | $43,000 | $73,000 |
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 | 34 | $2,861,000 | $84,000 | $260,000 | $47,000 | $117,000 |
| Not Provided | 8 | $427,000 | $53,000 | $92,000 | $37,000 | $73,000 |
| Not applicable | 3 | $157,000 | $52,000 | $109,000 | $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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 27 | $1,845,000 | $68,000 | $260,000 | $49,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 8 | $796,000 | $99,000 | $235,000 | $24,000 | $82,000 |
| FHA-insured (Federal Housing Administration) | 7 | $465,000 | $66,000 | $131,000 | $41,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $339,000 | $113,000 | $237,000 | $34,000 | $73,000 |
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 | 26 | $2,233,000 | $85,000 | $260,000 | $48,000 | $117,000 |
| Application Denied By Financial Institution | 9 | $700,000 | $77,000 | $235,000 | $37,000 | $66,000 |
| Application Withdrawn By Applicant | 3 | $189,000 | $63,000 | $76,000 | $45,000 | $66,000 |
| Loan Purchased By The Institution | 3 | $157,000 | $52,000 | $109,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $92,000 | $46,000 | $60,000 | $62,000 | $93,000 |
| Application Approved But Not Accepted | 2 | $74,000 | $37,000 | $42,000 | $29,000 | $32,000 |
| 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 | 2 | $125,000 | $62,000 | $80,000 | $30,000 | $31,000 |
| Debt-To-Income Ratio | 1 | $3,000 | $3,000 | $3,000 | $36,000 | $36,000 |
| Employment History | 1 | $131,000 | $131,000 | $131,000 | $39,000 | $39,000 |
| Collateral | 1 | $50,000 | $50,000 | $50,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 1 | $235,000 | $235,000 | $235,000 | $60,000 | $60,000 |
| Other | 1 | $60,000 | $60,000 | $60,000 | $36,000 | $36,000 |
| Unverifiable Information | 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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