Vernon County, MO Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 657 mortgage applications in Vernon County, MO totaling $86.7 million, down 25% from 2021. The average application was for $131,000, and applicants reported an average income of $68,000. 50% of applications resulted in an originated loan and 15% were denied. The most active lender was Flat Branch Mortgage, Inc., with 70 applications, followed by Arvest Bank and Community National Bank & Trust.

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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 657
Total Mortgage Loan Application Amount $86,665,000
Average Mortgage Loan Application Amount $131,000
Highest Mortgage Loan Application Amount $515,000
Average Applicant Income $68,000
Highest Applicant Income $270,000

Mortgage Company List for Lending in Vernon County, MO for 2022

* 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 70 $ 10,080,000
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 42 $ 3,730,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 1,912,044,000 41 $ 5,295,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 39 $ 3,265,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 37 $ 5,065,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 31 $ 2,485,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 25 $ 4,405,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 2,680,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 2,010,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 3,070,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 14 $ 1,890,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 1,850,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 13 $ 1,215,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 11 $ 2,055,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 873,959,000 10 $ 1,090,000
Citizens Bank of Amsterdam
19 SOUTH ORANGE STREET
BUTLER, MO 64730
* $ 188,764,000 10 $ 1,150,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 10 $ 1,360,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 9 $ 975,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 9 $ 565,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 9 $ 1,335,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 8 $ 1,320,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,660,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 8 $ 1,440,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 7 $ 1,035,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 1,015,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 950,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 750,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 720,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ -1,000 5 $ 635,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 685,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 390,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 4 $ 380,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 4 $ 360,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 510,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 665,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 685,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 315,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 605,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 3 $ 825,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 245,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 3 $ 295,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 355,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 2 $ 210,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 380,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 24,685,744,000 2 $ 270,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 9,729,918,000 2 $ 340,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 2 $ 100,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 2 $ 160,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 262,541,000 2 $ 150,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ -1,000 2 $ 250,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 330,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 465,517,000 2 $ 280,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 250,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 2 $ 200,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 300,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 50,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 2 $ 370,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 490,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 2 $ 230,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 290,000
Pivot Financial Partners, Inc
5935 S ZANG ST., STE 220
LITTLETON, CO 80120
* $ -1,000 2 $ 180,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 20,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 75,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 105,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 115,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 10,994,199,000 1 $ 245,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 135,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 5,141,072,000 1 $ 235,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 1 $ 15,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 125,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 75,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 1 $ 135,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 105,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 235,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,823,981,000 1 $ 165,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 125,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 145,000
M Squared Financial LLC
7501 MISSION RD STE 200
PRAIRIE VILLAGE, KS 66208
* $ -1,000 1 $ 125,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 275,000
Infuze Credit Union
1300 U.S. RT. 66
WAYNESVILLE, MO 65583
* $ 305,813,000 1 $ 25,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 1 $ 305,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 275,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 105,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 245,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 1 $ 335,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 225,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 185,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 235,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 36,515,611,000 1 $ 55,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 85,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 75,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 245,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 175,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 105,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 1 $ 35,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 47,665,560,000 1 $ 245,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 515,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 135,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,810,411,000 1 $ 225,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 526,231,000 1 $ 225,000
People's Bank of Seneca
PO BOX 500
SENECA, MO 64865
* $ 340,718,000 1 $ 125,000

The tables below break down 2022 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 2022

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 356 $51,180,000 $143,000 $435,000 $65,000 $265,000
Cash-out Refinancing 139 $19,245,000 $138,000 $335,000 $66,000 $250,000
Refinancing 88 $11,500,000 $130,000 $515,000 $73,000 $217,000
Home Improvement 37 $2,685,000 $72,000 $435,000 $79,000 $254,000
Other Purpose 36 $1,980,000 $55,000 $205,000 $81,000 $270,000
Not Applicable 1 $75,000 $75,000 $75,000 $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 477 $60,985,000 $127,000 $435,000 $69,000 $270,000
Not applicable 98 $15,380,000 $156,000 $435,000 $0 $0
Not Provided 60 $7,430,000 $123,000 $515,000 $62,000 $250,000
Hispanic 10 $1,240,000 $124,000 $375,000 $46,000 $73,000
American Indian or Alaskan Native 5 $625,000 $125,000 $235,000 $76,000 $134,000
Asian 4 $720,000 $180,000 $275,000 $62,000 $73,000
Black or African American 3 $285,000 $95,000 $185,000 $69,000 $105,000
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) 373 $43,775,000 $117,000 $515,000 $74,000 $270,000
FHA-insured (Federal Housing Administration) 142 $20,670,000 $145,000 $385,000 $60,000 $224,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 71 $8,795,000 $123,000 $265,000 $47,000 $84,000
VA-guaranteed (Veterans Administration) 71 $13,425,000 $189,000 $435,000 $67,000 $143,000

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 331 $45,105,000 $136,000 $515,000 $70,000 $270,000
Application Denied By Financial Institution 97 $8,955,000 $92,000 $275,000 $60,000 $250,000
Application Withdrawn By Applicant 94 $12,920,000 $137,000 $345,000 $69,000 $240,000
Loan Purchased By The Institution 93 $14,025,000 $150,000 $435,000 $90,000 $198,000
File Closed For Incompleteness 31 $3,915,000 $126,000 $235,000 $66,000 $149,000
Application Approved But Not Accepted 11 $1,745,000 $158,000 $375,000 $77,000 $254,000
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 542 $75,690,000 $139,000 $515,000 $70,000 $270,000
Debt-To-Income Ratio 39 $3,975,000 $101,000 $245,000 $61,000 $212,000
Credit History 25 $2,075,000 $83,000 $215,000 $59,000 $135,000
Collateral 20 $1,960,000 $98,000 $275,000 $70,000 $119,000
Credit Application Incomplete 10 $930,000 $93,000 $225,000 $101,000 $250,000
Other 8 $710,000 $88,000 $125,000 $43,000 $92,000
Unverifiable Information 6 $680,000 $113,000 $195,000 $56,000 $76,000
Employment History 4 $210,000 $52,000 $105,000 $35,000 $52,000
Insufficient Cash (Downpayment, Closing Cost) 3 $435,000 $145,000 $235,000 $41,000 $60,000
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.

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