Vernon County, MO Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 604 mortgage applications in Vernon County, MO totaling $66.7 million, up 21% from 2015. The average application was for $110,000, and applicants reported an average income of $57,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Heritage State Bank, with 61 applications, followed by Arvest Bank and Gateway Mortgage Group, LLC.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Missouri.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 604 |
| Total Mortgage Loan Application Amount | $66,692,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $1,695,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Heritage State Bank 1625 HEDGES PLAZA NEVADA, MO 64772 |
* | $ 141,159,000 | 61 | $ 9,290,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 45 | $ 3,061,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 45 | $ 4,903,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 44 | $ 3,742,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 33 | $ 3,340,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,097,252,000 | 32 | $ 1,560,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 20 | $ 2,964,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 18 | $ 2,254,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 166,835,000 | 14 | $ 1,415,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 13 | $ 1,107,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 841,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 595,044,000 | 10 | $ 2,024,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 10 | $ 1,290,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 9 | $ 661,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 540,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 9 | $ 1,431,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 8 | $ 1,101,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 8 | $ 812,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 983,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 7 | $ 630,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 7 | $ 677,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 6 | $ 801,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 6 | $ 953,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 531,000 |
| Farmers State Bank, S/B PO BOX 98 SCHELL CITY, MO 64783 |
* | $ 76,129,000 | 5 | $ 490,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 5 | $ 634,000 |
| Community First Bank P.O. BOX 407 BUTLER, MO 64730 |
* | $ 169,168,000 | 4 | $ 1,114,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 417,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 4 | $ 572,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 4 | $ 321,000 |
| Platte Valley Bank of Missouri PO BOX 1250 PLATTE CITY, MO 64079 |
* | $ 477,608,000 | 4 | $ 459,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 535,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 4 | $ 365,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 346,000 |
| Security Bank 606 E. WALNUT, PO BOX 9 RICH HILL, MO 64779 |
* | $ 47,155,000 | 4 | $ 485,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 876,160,000 | 3 | $ 311,000 |
| Vinson Mortgage Group 12801 FLUSHING MEADOWS DR SUITE 100 SAINT LOUIS, MO 63131 |
* | $ 10,000,000 | 3 | $ 216,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 276,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 7,515,756,000 | 3 | $ 259,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 273,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,483,687,000 | 3 | $ 163,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 404,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 42,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 18,823,520,000 | 3 | $ 517,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 2 | $ 55,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 2 | $ 225,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 2 | $ 330,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 348,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 255,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 174,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 223,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 362,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 263,000 |
| Southwest Missouri Bank 300 WEST THIRD STREET CARTHAGE, MO 64836 |
* | $ 676,021,000 | 2 | $ 499,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 936,842,000 | 2 | $ 39,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,184,204,000 | 2 | $ 263,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 601,000 |
| Bear State Bank 5315 HIGHLAND DRIVE LITTLE ROCK, AR 72223 |
* | $ 1,461,020,000 | 2 | $ 224,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ 26,264,000 | 2 | $ 267,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 119,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 90,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 68,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 112,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 903,318,000 | 1 | $ 38,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 650,443,000 | 1 | $ 55,000 |
| Mazuma Credit Union 7260 W 135TH STREET OVERLAND PARK, KS 66223 |
* | $ 557,415,000 | 1 | $ 88,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 291,351,000 | 1 | $ 150,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,565,602,000 | 1 | $ 143,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 65,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 21,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 7,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 102,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 264,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 174,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 90,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 142,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 1 | $ 87,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 63,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 1 | $ 164,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 1 | $ 39,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 10,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 111,306,727,000 | 1 | $ 88,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 143,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 25,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,233,064,000 | 1 | $ 12,000 |
| Omb Bank 3570 SOUTH NATIONAL AVENUE SPRINGFIELD, MO 65807 |
* | $ 287,752,000 | 1 | $ 660,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 1 | $ 144,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 142,000 |
The tables below break down 2016 mortgage applications in Vernon 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 Vernon County, MO in 2016
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 | 303 | $32,126,000 | $106,000 | $860,000 | $51,000 | $1,695,000 |
| Refinancing | 233 | $31,564,000 | $135,000 | $1,200,000 | $61,000 | $486,000 |
| Home Improvement | 68 | $3,002,000 | $44,000 | $455,000 | $69,000 | $323,000 |
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 | 441 | $47,437,000 | $107,000 | $1,200,000 | $59,000 | $486,000 |
| Not applicable | 83 | $9,974,000 | $120,000 | $860,000 | $14,000 | $113,000 |
| Not Provided | 60 | $7,061,000 | $117,000 | $304,000 | $97,000 | $1,695,000 |
| Hispanic | 8 | $874,000 | $109,000 | $216,000 | $51,000 | $89,000 |
| Black or African American | 7 | $915,000 | $130,000 | $162,000 | $85,000 | $112,000 |
| American Indian or Alaskan Native | 3 | $287,000 | $95,000 | $132,000 | $49,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $144,000 | $72,000 | $73,000 | $22,000 | $26,000 |
| 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) | 378 | $41,507,000 | $109,000 | $1,200,000 | $69,000 | $1,695,000 |
| FHA-insured (Federal Housing Administration) | 83 | $8,369,000 | $100,000 | $216,000 | $35,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $8,626,000 | $103,000 | $899,000 | $30,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 60 | $8,190,000 | $136,000 | $439,000 | $46,000 | $152,000 |
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 | 321 | $38,609,000 | $120,000 | $899,000 | $63,000 | $486,000 |
| Application Denied By Financial Institution | 107 | $10,306,000 | $96,000 | $1,200,000 | $69,000 | $1,695,000 |
| Loan Purchased By The Institution | 89 | $9,102,000 | $102,000 | $439,000 | $22,000 | $113,000 |
| Application Withdrawn By Applicant | 53 | $5,356,000 | $101,000 | $200,000 | $53,000 | $165,000 |
| File Closed For Incompleteness | 26 | $2,540,000 | $97,000 | $243,000 | $56,000 | $122,000 |
| Application Approved But Not Accepted | 8 | $779,000 | $97,000 | $264,000 | $65,000 | $97,000 |
| 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 | 20 | $1,416,000 | $70,000 | $250,000 | $54,000 | $112,000 |
| Collateral | 12 | $1,284,000 | $107,000 | $304,000 | $104,000 | $353,000 |
| Debt-To-Income Ratio | 8 | $835,000 | $104,000 | $295,000 | $246,000 | $1,695,000 |
| Credit Application Incomplete | 6 | $462,000 | $77,000 | $143,000 | $34,000 | $62,000 |
| Other | 3 | $492,000 | $164,000 | $215,000 | $75,000 | $195,000 |
| Unverifiable Information | 3 | $148,000 | $49,000 | $74,000 | $55,000 | $86,000 |
| Employment History | 2 | $141,000 | $70,000 | $71,000 | $33,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $90,000 | $90,000 | $90,000 | $34,000 | $34,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About