Vernon County, MO Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 707 mortgage applications in Vernon County, MO totaling $89.2 million, up 18% from 2019. The average application was for $126,000, and applicants reported an average income of $69,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was Flat Branch Mortgage, Inc., with 94 applications, followed by Arvest Bank and US Bank, N.A..
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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 | 707 |
| Total Mortgage Loan Application Amount | $89,165,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $391,000 |
* 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 |
|---|---|---|---|---|
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 94 | $ 12,780,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 82 | $ 8,170,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 49 | $ 4,075,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 1,323,331,000 | 36 | $ 4,490,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 31 | $ 4,315,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,014,991,000 | 30 | $ 2,570,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 25 | $ 3,245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 23 | $ 3,525,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 17 | $ 2,785,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 15 | $ 2,045,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 14 | $ 2,240,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 14 | $ 1,940,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 13 | $ 1,635,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 13 | $ 1,125,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 12 | $ 1,610,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 1,280,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 1,195,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 1,015,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 652,355,000 | 7 | $ 625,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 6 | $ 1,070,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 940,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 6 | $ 750,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 5 | $ 935,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 615,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 5 | $ 935,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 380,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 350,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 17,659,319,000 | 4 | $ 530,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 365,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 665,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 3 | $ 625,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 365,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 3 | $ 665,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 345,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 3 | $ 205,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 26,357,635,000 | 3 | $ 445,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 3 | $ 135,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 280,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 340,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 260,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 360,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 365,025,000 | 2 | $ 300,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ -1,000 | 2 | $ 320,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 995,772,000 | 2 | $ 230,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 2 | $ 130,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 180,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 2 | $ 90,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 190,000 |
| Guaranty Bank 1341 W BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 1,010,051,000 | 2 | $ 170,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 2 | $ 290,000 |
| Citizens Bank of Amsterdam 19 SOUTH ORANGE STREET BUTLER, MO 64730 |
* | $ 151,033,000 | 2 | $ 130,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,956,628,000 | 2 | $ 50,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 300,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 290,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ -1,000 | 2 | $ 240,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 340,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 210,000 |
| Community Bank and Trust 100 SOUTH WOOD ST NEOSHO, MO 64850 |
* | $ 310,468,000 | 2 | $ 490,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 260,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 210,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 250,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 135,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 155,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 75,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 1 | $ 125,000 |
| Quad City Bank and Trust 4500 NORTH BRADY STREET DAVENPORT, IA 52806 |
* | $ 1,701,973,000 | 1 | $ 175,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 1,396,934,000 | 1 | $ 185,000 |
| Central Bank of the Midwest 609 N. HIGHWAY 291 LEE'S SUMMIT, MO 64063 |
* | $ 2,410,589,000 | 1 | $ 85,000 |
| White Eagle Credit Union 2830 OHIO AUGUSTA, KS 67010 |
* | $ 109,249,000 | 1 | $ 45,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 115,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 65,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 395,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 1 | $ 55,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 1 | $ 195,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 185,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 395,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 383,892,000 | 1 | $ 135,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 155,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 1 | $ 115,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 185,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 135,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 1 | $ 85,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 75,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 135,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 1 | $ 185,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 95,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 135,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 115,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 1 | $ 265,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 215,000 |
| Southwest Missouri Bank 300 WEST THIRD STREET CARTHAGE, MO 64836 |
* | $ 795,891,000 | 1 | $ 15,000 |
The tables below break down 2020 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 2020
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 | 334 | $41,580,000 | $124,000 | $675,000 | $62,000 | $255,000 |
| Refinancing | 226 | $31,820,000 | $140,000 | $925,000 | $81,000 | $391,000 |
| Cash-out Refinancing | 75 | $10,185,000 | $135,000 | $305,000 | $72,000 | $199,000 |
| Other Purpose | 30 | $1,960,000 | $65,000 | $205,000 | $66,000 | $301,000 |
| Home Improvement | 22 | $1,330,000 | $60,000 | $205,000 | $88,000 | $259,000 |
| Not Applicable | 20 | $2,290,000 | $114,000 | $265,000 | $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 | 510 | $62,970,000 | $123,000 | $395,000 | $70,000 | $391,000 |
| Not applicable | 91 | $13,475,000 | $148,000 | $925,000 | $80,000 | $215,000 |
| Not Provided | 76 | $9,640,000 | $126,000 | $285,000 | $62,000 | $259,000 |
| Hispanic | 10 | $860,000 | $86,000 | $195,000 | $69,000 | $240,000 |
| American Indian or Alaskan Native | 6 | $600,000 | $100,000 | $125,000 | $49,000 | $103,000 |
| Asian | 6 | $510,000 | $85,000 | $135,000 | $63,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $660,000 | $165,000 | $165,000 | $0 | $0 |
| Black or African American | 2 | $370,000 | $185,000 | $265,000 | $148,000 | $148,000 |
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) | 403 | $47,965,000 | $119,000 | $925,000 | $78,000 | $391,000 |
| FHA-insured (Federal Housing Administration) | 112 | $13,420,000 | $119,000 | $275,000 | $56,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 99 | $11,925,000 | $120,000 | $265,000 | $47,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 93 | $15,855,000 | $170,000 | $395,000 | $53,000 | $148,000 |
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 | 389 | $50,375,000 | $129,000 | $925,000 | $70,000 | $338,000 |
| Application Denied By Financial Institution | 97 | $8,895,000 | $91,000 | $315,000 | $70,000 | $391,000 |
| Loan Purchased By The Institution | 89 | $12,375,000 | $139,000 | $295,000 | $87,000 | $215,000 |
| Application Withdrawn By Applicant | 83 | $10,915,000 | $131,000 | $395,000 | $69,000 | $240,000 |
| File Closed For Incompleteness | 38 | $5,200,000 | $136,000 | $305,000 | $55,000 | $134,000 |
| Application Approved But Not Accepted | 11 | $1,405,000 | $127,000 | $195,000 | $52,000 | $80,000 |
| 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 | 598 | $79,130,000 | $132,000 | $925,000 | $69,000 | $338,000 |
| Credit History | 41 | $3,355,000 | $81,000 | $315,000 | $81,000 | $391,000 |
| Debt-To-Income Ratio | 28 | $2,620,000 | $93,000 | $285,000 | $71,000 | $301,000 |
| Collateral | 18 | $1,880,000 | $104,000 | $245,000 | $72,000 | $162,000 |
| Credit Application Incomplete | 10 | $1,220,000 | $122,000 | $195,000 | $74,000 | $135,000 |
| Other | 6 | $460,000 | $76,000 | $115,000 | $41,000 | $91,000 |
| Unverifiable Information | 3 | $225,000 | $75,000 | $105,000 | $44,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $130,000 | $65,000 | $85,000 | $61,000 | $82,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $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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