Wayne County, MO Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 360 mortgage applications in Wayne County, MO totaling $40.7 million, down 22% from 2021. The average application was for $113,000, and applicants reported an average income of $66,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was First Midwest Bank of the Ozarks, with 53 applications, followed by Peoples Community Bank and Flanagan State Bank.
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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 | 360 |
| Total Mortgage Loan Application Amount | $40,700,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $540,000 |
* 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 |
* | $ 637,147,000 | 53 | $ 4,065,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ 620,687,000 | 35 | $ 3,215,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 27 | $ 2,885,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 21 | $ 2,405,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 2,905,965,000 | 20 | $ 2,200,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 1,735,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 10 | $ 750,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 1,360,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 700,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 3,828,717,000 | 7 | $ 775,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 885,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 785,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 7 | $ 745,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 965,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 6 | $ 790,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 2,818,411,000 | 6 | $ 610,000 |
| Ozarks Federal Savings and Loan 2 E. COLUMBIA ST. FARMINGTON, MO 63640 |
* | $ 244,139,000 | 6 | $ 870,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 6 | $ 670,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 850,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 5 | $ 775,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 715,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 5 | $ 1,025,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 3 | $ 405,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 435,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 265,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 275,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 535,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 3 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 395,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 290,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 400,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 170,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 240,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 170,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 240,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 380,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 2 | $ 240,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 290,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 315,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ 187,051,000 | 1 | $ 45,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 145,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 95,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,647,347,000 | 1 | $ 65,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 3,095,714,000 | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 95,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 15,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 145,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 105,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 739,238,000 | 1 | $ 175,000 |
| Northern Mortgage Services, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 105,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 135,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,454,541,000 | 1 | $ 195,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 115,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 315,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 215,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 85,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ 497,079,000 | 1 | $ 335,000 |
| First Midwest Bank of Dexter 819 WEST BUSINESS HIGHWAY 60 DEXTER, MO 63841 |
* | $ 447,970,000 | 1 | $ 145,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ -1,000 | 1 | $ 165,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 65,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 1 | $ 215,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2022 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 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 | 215 | $25,125,000 | $116,000 | $455,000 | $67,000 | $540,000 |
| Cash-out Refinancing | 75 | $9,365,000 | $124,000 | $315,000 | $64,000 | $185,000 |
| Refinancing | 38 | $4,120,000 | $108,000 | $315,000 | $65,000 | $230,000 |
| Other Purpose | 18 | $1,490,000 | $82,000 | $265,000 | $74,000 | $152,000 |
| Home Improvement | 13 | $555,000 | $42,000 | $165,000 | $70,000 | $128,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 276 | $30,100,000 | $109,000 | $335,000 | $66,000 | $540,000 |
| Not applicable | 42 | $4,670,000 | $111,000 | $315,000 | $0 | $0 |
| Not Provided | 29 | $4,475,000 | $154,000 | $355,000 | $75,000 | $150,000 |
| American Indian or Alaskan Native | 7 | $695,000 | $99,000 | $135,000 | $47,000 | $124,000 |
| Asian | 2 | $90,000 | $45,000 | $65,000 | $53,000 | $74,000 |
| Black or African American | 2 | $180,000 | $90,000 | $105,000 | $88,000 | $89,000 |
| Hispanic | 2 | $490,000 | $245,000 | $455,000 | $62,000 | $103,000 |
| 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) | 221 | $22,955,000 | $103,000 | $455,000 | $71,000 | $540,000 |
| FHA-insured (Federal Housing Administration) | 56 | $6,280,000 | $112,000 | $345,000 | $59,000 | $171,000 |
| VA-guaranteed (Veterans Administration) | 46 | $7,840,000 | $170,000 | $355,000 | $62,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,625,000 | $97,000 | $205,000 | $45,000 | $82,000 |
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 | 181 | $20,445,000 | $112,000 | $355,000 | $65,000 | $290,000 |
| Application Denied By Financial Institution | 71 | $7,025,000 | $98,000 | $345,000 | $70,000 | $540,000 |
| Application Withdrawn By Applicant | 48 | $5,870,000 | $122,000 | $455,000 | $63,000 | $185,000 |
| Loan Purchased By The Institution | 34 | $4,130,000 | $121,000 | $315,000 | $0 | $0 |
| File Closed For Incompleteness | 15 | $2,035,000 | $135,000 | $315,000 | $76,000 | $131,000 |
| Application Approved But Not Accepted | 11 | $1,195,000 | $108,000 | $335,000 | $62,000 | $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 | 205 | $26,525,000 | $129,000 | $455,000 | $69,000 | $290,000 |
| Debt-To-Income Ratio | 99 | $8,755,000 | $88,000 | $335,000 | $54,000 | $131,000 |
| Credit History | 31 | $2,975,000 | $95,000 | $265,000 | $89,000 | $540,000 |
| Collateral | 11 | $1,145,000 | $104,000 | $345,000 | $55,000 | $188,000 |
| Credit Application Incomplete | 6 | $610,000 | $101,000 | $235,000 | $47,000 | $95,000 |
| Other | 4 | $290,000 | $72,000 | $115,000 | $87,000 | $163,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $65,000 | $159,000 | $159,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $82,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $48,000 | $48,000 |
| 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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