Shelby County, MO Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 63 mortgage applications in Shelby County, MO totaling $5.3 million, down 9% from 2017. The average application was for $83,000, and applicants reported an average income of $69,000. 51% of applications resulted in an originated loan and 27% were denied. The most active lender was US Bank, N.A., with 18 applications, followed by Flat Branch Mortgage, Inc. and American Bank of Freedom.
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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 | 63 |
| Total Mortgage Loan Application Amount | $5,275,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $768,000 |
| 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 |
* | $ 456,025,829,000 | 18 | $ 970,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 265,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 261,472,000 | 3 | $ 185,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,323,185,000 | 3 | $ 95,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 3 | $ 205,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 470,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 110,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 120,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 369,760,000 | 2 | $ 60,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 245,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 45,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 55,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ 138,786,000 | 1 | $ 395,000 |
| Bank of Franklin County 900 EAST EIGHTH STREET WASHINGTON, MO 63090 |
* | $ 239,006,000 | 1 | $ 115,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 245,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 465,320,000 | 1 | $ 185,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 75,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 115,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ -1,000 | 1 | $ 95,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 65,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 967,200,000 | 1 | $ 55,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 65,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 | 32 | $2,890,000 | $90,000 | $405,000 | $70,000 | $768,000 |
| Refinancing | 13 | $965,000 | $74,000 | $135,000 | $75,000 | $160,000 |
| Cash-out Refinancing | 8 | $970,000 | $121,000 | $245,000 | $64,000 | $95,000 |
| Home Improvement | 6 | $300,000 | $50,000 | $85,000 | $61,000 | $127,000 |
| Other Purpose | 3 | $95,000 | $31,000 | $45,000 | $66,000 | $116,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
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 | 45 | $4,015,000 | $89,000 | $405,000 | $73,000 | $768,000 |
| Not Provided | 9 | $755,000 | $83,000 | $165,000 | $68,000 | $160,000 |
| Not applicable | 5 | $275,000 | $55,000 | $65,000 | $0 | $0 |
| Black or African American | 2 | $110,000 | $55,000 | $55,000 | $34,000 | $36,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $37,000 | $37,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $16,000 | $16,000 |
| Asian | 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) | 37 | $2,815,000 | $76,000 | $395,000 | $84,000 | $768,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $715,000 | $65,000 | $135,000 | $35,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,240,000 | $155,000 | $405,000 | $68,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 7 | $505,000 | $72,000 | $85,000 | $36,000 | $51,000 |
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 | 32 | $3,090,000 | $96,000 | $405,000 | $86,000 | $768,000 |
| Application Denied By Financial Institution | 17 | $1,205,000 | $70,000 | $185,000 | $46,000 | $130,000 |
| Loan Purchased By The Institution | 8 | $640,000 | $80,000 | $245,000 | $40,000 | $95,000 |
| Application Withdrawn By Applicant | 4 | $230,000 | $57,000 | $75,000 | $73,000 | $127,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $36,000 | $36,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $45,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 44 | $3,900,000 | $88,000 | $405,000 | $81,000 | $768,000 |
| Credit History | 6 | $330,000 | $55,000 | $95,000 | $61,000 | $130,000 |
| Debt-To-Income Ratio | 5 | $555,000 | $111,000 | $185,000 | $44,000 | $58,000 |
| Collateral | 4 | $210,000 | $52,000 | $85,000 | $39,000 | $77,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $85,000 | $35,000 | $38,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $34,000 | $34,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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