Shelby County, MO Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 69 mortgage applications in Shelby County, MO totaling $7.2 million, up 30% from 2016. The average application was for $104,000, and applicants reported an average income of $60,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was US Bank, N.A., with 10 applications, followed by Hnb National Bank and Das Acquisition Company, LLC.
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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 | 69 |
| Total Mortgage Loan Application Amount | $7,223,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $452,000 |
| 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 |
* | $ 441,010,095,000 | 10 | $ 836,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 477,027,000 | 4 | $ 292,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 4 | $ 325,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 4 | $ 616,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,120,614,000 | 3 | $ 685,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 221,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 3 | $ 338,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 230,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 229,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 248,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 451,796,000 | 2 | $ 190,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 145,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 71,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 68,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 202,888,000 | 1 | $ 54,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 35,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ 125,213,000 | 1 | $ 535,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 45,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 581,584,000 | 1 | $ 95,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ -1,000 | 1 | $ 58,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 66,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 909,392,000 | 1 | $ 106,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 200,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 920,683,000 | 1 | $ 110,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 103,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 61,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 68,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 73,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 286,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 35,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ 163,460,000 | 1 | $ 11,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 1 | $ 125,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,529,171,000 | 1 | $ 182,000 |
The tables below break down 2017 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 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 44 | $3,913,000 | $88,000 | $535,000 | $52,000 | $452,000 |
| Refinancing | 21 | $2,721,000 | $129,000 | $507,000 | $71,000 | $166,000 |
| Home Improvement | 4 | $589,000 | $147,000 | $200,000 | $79,000 | $95,000 |
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 | 52 | $5,755,000 | $110,000 | $535,000 | $67,000 | $452,000 |
| Not Provided | 8 | $922,000 | $115,000 | $286,000 | $68,000 | $166,000 |
| Not applicable | 6 | $333,000 | $55,000 | $82,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $84,000 | $84,000 | $84,000 | $35,000 | $35,000 |
| American Indian or Alaskan Native | 1 | $66,000 | $66,000 | $66,000 | $46,000 | $46,000 |
| Black or African American | 1 | $63,000 | $63,000 | $63,000 | $25,000 | $25,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 33 | $4,180,000 | $126,000 | $535,000 | $82,000 | $452,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,047,000 | $74,000 | $182,000 | $30,000 | $57,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $802,000 | $66,000 | $122,000 | $32,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,194,000 | $119,000 | $200,000 | $59,000 | $87,000 |
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 | 30 | $4,344,000 | $144,000 | $535,000 | $82,000 | $452,000 |
| Application Denied By Financial Institution | 18 | $1,349,000 | $74,000 | $150,000 | $54,000 | $249,000 |
| Loan Purchased By The Institution | 8 | $635,000 | $79,000 | $199,000 | $21,000 | $87,000 |
| Application Withdrawn By Applicant | 7 | $545,000 | $77,000 | $182,000 | $43,000 | $72,000 |
| File Closed For Incompleteness | 4 | $303,000 | $75,000 | $122,000 | $45,000 | $53,000 |
| Application Approved But Not Accepted | 2 | $47,000 | $23,000 | $30,000 | $13,000 | $27,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $379,000 | $75,000 | $109,000 | $44,000 | $70,000 |
| Collateral | 2 | $163,000 | $81,000 | $90,000 | $48,000 | $68,000 |
| Credit History | 2 | $77,000 | $38,000 | $66,000 | $29,000 | $46,000 |
| Credit Application Incomplete | 1 | $150,000 | $150,000 | $150,000 | $108,000 | $108,000 |
| Other | 1 | $106,000 | $106,000 | $106,000 | $43,000 | $43,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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