Shelby County, MO Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 89 mortgage applications in Shelby County, MO totaling $9.0 million, up 41% from 2018. The average application was for $101,000, and applicants reported an average income of $104,000. 39% of applications resulted in an originated loan and 30% were denied. The most active lender was US Bank, N.A., with 16 applications, followed by loanDepot.com LLC and Mortgage Research Center.
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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 | 89 |
| Total Mortgage Loan Application Amount | $8,995,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $1,257,000 |
| 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 |
* | $ 459,476,604,000 | 16 | $ 1,200,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 820,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 830,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 469,791,000 | 4 | $ 320,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 575,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 205,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ 159,371,000 | 3 | $ 135,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ 244,113,000 | 2 | $ 210,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 170,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 713,437,000 | 2 | $ 130,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 2 | $ 90,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 457,301,000 | 2 | $ 240,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ 170,406,000 | 1 | $ 15,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 105,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ 142,400,000 | 1 | $ 105,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 115,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 285,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 145,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ -1,000 | 1 | $ 245,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 115,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 399,620,000 | 1 | $ 345,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 195,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 45,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 45,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,953,334,000 | 1 | $ 15,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 85,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 95,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 75,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ -1,000 | 1 | $ 135,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 55,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 155,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 75,000 |
The tables below break down 2019 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 2019
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 | 48 | $4,220,000 | $87,000 | $345,000 | $77,000 | $907,000 |
| Refinancing | 13 | $2,345,000 | $180,000 | $405,000 | $87,000 | $143,000 |
| Cash-out Refinancing | 12 | $1,410,000 | $117,000 | $285,000 | $54,000 | $101,000 |
| Other Purpose | 8 | $640,000 | $80,000 | $155,000 | $374,000 | $1,257,000 |
| Home Improvement | 5 | $195,000 | $39,000 | $105,000 | $34,000 | $49,000 |
| Not Applicable | 3 | $185,000 | $61,000 | $85,000 | $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 | 68 | $6,450,000 | $94,000 | $405,000 | $93,000 | $1,257,000 |
| Not applicable | 10 | $1,050,000 | $105,000 | $405,000 | $0 | $0 |
| Not Provided | 10 | $1,340,000 | $134,000 | $285,000 | $55,000 | $100,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $1,202,000 | $1,202,000 |
| 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) | 52 | $5,300,000 | $101,000 | $345,000 | $137,000 | $1,257,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,470,000 | $123,000 | $405,000 | $49,000 | $102,000 |
| FHA-insured (Federal Housing Administration) | 10 | $800,000 | $80,000 | $155,000 | $37,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $425,000 | $60,000 | $75,000 | $43,000 | $67,000 |
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 | 35 | $3,445,000 | $98,000 | $405,000 | $125,000 | $1,257,000 |
| Application Denied By Financial Institution | 27 | $2,365,000 | $87,000 | $245,000 | $97,000 | $1,202,000 |
| Loan Purchased By The Institution | 11 | $1,335,000 | $121,000 | $405,000 | $0 | $0 |
| Application Withdrawn By Applicant | 9 | $1,165,000 | $129,000 | $345,000 | $62,000 | $137,000 |
| File Closed For Incompleteness | 4 | $400,000 | $100,000 | $155,000 | $54,000 | $101,000 |
| Application Approved But Not Accepted | 3 | $285,000 | $95,000 | $135,000 | $95,000 | $124,000 |
| 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 | 57 | $6,165,000 | $108,000 | $405,000 | $83,000 | $907,000 |
| Credit History | 9 | $415,000 | $46,000 | $75,000 | $60,000 | $130,000 |
| Debt-To-Income Ratio | 9 | $935,000 | $103,000 | $195,000 | $196,000 | $1,257,000 |
| Collateral | 7 | $485,000 | $69,000 | $115,000 | $46,000 | $98,000 |
| Other | 4 | $580,000 | $145,000 | $235,000 | $352,000 | $1,202,000 |
| Unverifiable Information | 1 | $245,000 | $245,000 | $245,000 | $100,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $29,000 | $29,000 |
| Employment History | 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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