Wayne County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 330 mortgage applications in Wayne County, MO totaling $49.8 million, up 3% from 2024. The average application was for $150,000, and applicants reported an average income of $90,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was First Midwest Bank of the Ozarks, with 44 applications, followed by Peoples Community Bank and PennyMac Loan Services LLC.
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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 | 330 |
| Total Mortgage Loan Application Amount | $49,750,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $514,000 |
* 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 |
|---|---|---|---|---|
| First Midwest Bank of the Ozarks P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63901 |
* | $ n/a | 44 | $ 4,360,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ n/a | 35 | $ 3,465,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 22 | $ 3,800,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 17 | $ 2,585,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 15 | $ 2,765,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 11 | $ 2,635,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 10 | $ 1,150,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 10 | $ 1,020,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 8 | $ 2,010,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 815,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,475,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 7 | $ 1,105,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 995,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 5 | $ 905,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ n/a | 5 | $ 665,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ n/a | 4 | $ 520,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 480,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 4 | $ 630,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,120,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 400,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 530,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 4 | $ 740,000 |
| Sterling Bank P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63901 |
* | $ n/a | 4 | $ 380,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 3 | $ 165,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 355,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 575,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 3 | $ 305,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 345,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 335,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 335,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 275,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 3 | $ 705,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 100,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 760,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 110,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 220,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 2 | $ 220,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 190,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 570,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 420,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 210,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 270,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ n/a | 1 | $ 15,000 |
| First Midwest Bank of Dexter 819 WEST BUSINESS HIGHWAY 60 DEXTER, MO 63841 |
* | $ n/a | 1 | $ 125,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 185,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 755,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 495,000 |
| Lindell Bank & Trust Company 6900 CLAYTON AVENUE SAINT LOUIS, MO 63139 |
* | $ n/a | 1 | $ 105,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ n/a | 1 | $ 215,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 135,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 65,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 105,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 35,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 205,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 55,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ n/a | 1 | $ 455,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ n/a | 1 | $ 45,000 |
| Ozarks Federal Savings and Loan 2 E. COLUMBIA ST. FARMINGTON, MO 63640 |
* | $ n/a | 1 | $ 225,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 495,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 55,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 165,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ n/a | 1 | $ 545,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 105,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ n/a | 1 | $ 65,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2025 mortgage applications in Wayne 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 Wayne County, MO in 2025
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 | 181 | $28,995,000 | $160,000 | $665,000 | $79,000 | $414,000 |
| Cash-out Refinancing | 71 | $11,295,000 | $159,000 | $705,000 | $81,000 | $244,000 |
| Refinancing | 31 | $5,405,000 | $174,000 | $455,000 | $128,000 | $499,000 |
| Other Purpose | 26 | $2,780,000 | $106,000 | $755,000 | $122,000 | $514,000 |
| Home Improvement | 21 | $1,275,000 | $60,000 | $185,000 | $125,000 | $422,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 244 | $34,930,000 | $143,000 | $755,000 | $88,000 | $499,000 |
| Not applicable | 53 | $9,855,000 | $185,000 | $665,000 | $46,000 | $46,000 |
| Not Provided | 22 | $2,900,000 | $131,000 | $495,000 | $116,000 | $514,000 |
| Hispanic | 4 | $730,000 | $182,000 | $265,000 | $125,000 | $188,000 |
| American Indian or Alaskan Native | 3 | $355,000 | $118,000 | $165,000 | $39,000 | $53,000 |
| Asian | 2 | $820,000 | $410,000 | $705,000 | $95,000 | $118,000 |
| Black or African American | 2 | $160,000 | $80,000 | $85,000 | $50,000 | $68,000 |
| 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) | 190 | $22,740,000 | $119,000 | $755,000 | $101,000 | $514,000 |
| VA-guaranteed (Veterans Administration) | 64 | $14,730,000 | $230,000 | $705,000 | $85,000 | $165,000 |
| FHA-insured (Federal Housing Administration) | 56 | $9,780,000 | $174,000 | $525,000 | $65,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,500,000 | $125,000 | $175,000 | $56,000 | $90,000 |
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 | 175 | $25,135,000 | $143,000 | $705,000 | $90,000 | $422,000 |
| Application Denied By Financial Institution | 57 | $6,265,000 | $109,000 | $325,000 | $76,000 | $514,000 |
| Application Withdrawn By Applicant | 37 | $6,885,000 | $186,000 | $675,000 | $109,000 | $499,000 |
| Loan Purchased By The Institution | 37 | $7,655,000 | $206,000 | $665,000 | $70,000 | $116,000 |
| File Closed For Incompleteness | 12 | $1,680,000 | $140,000 | $305,000 | $101,000 | $292,000 |
| Application Approved But Not Accepted | 11 | $1,975,000 | $179,000 | $755,000 | $91,000 | $311,000 |
| Preapproval Denied by Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $98,000 | $98,000 |
| Preapproval Approved but not Accepted | 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 | 190 | $34,820,000 | $183,000 | $755,000 | $94,000 | $499,000 |
| Debt-To-Income Ratio | 96 | $10,160,000 | $105,000 | $545,000 | $84,000 | $414,000 |
| Credit History | 17 | $1,545,000 | $90,000 | $155,000 | $89,000 | $514,000 |
| Collateral | 15 | $1,855,000 | $123,000 | $325,000 | $98,000 | $393,000 |
| Credit Application Incomplete | 7 | $645,000 | $92,000 | $145,000 | $83,000 | $127,000 |
| Other | 2 | $320,000 | $160,000 | $235,000 | $115,000 | $188,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $185,000 | $29,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $75,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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