Wood & Huston Bank Mortgage Rates, Fees & Info
Marshall, MOLEI: 549300MU6FQRPD7FPQ11
Tax ID: 44-0495280
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Wood & Huston Bank is a smaller bank specializing in Home Purchase and Refi loans. Wood & Huston Bank has a high proportion of conventional loans. Their top markets by origination volume include: Marshall, Kansas City, Cape Girardeau, Columbia, and Sedalia among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Wood & Huston Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
235Origination Dollar Volume (All Markets)
$44,395,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Marshall, MO (FHA|USDA|VA) | 90 | $12,190,000 | $135,444 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 41 | $7,895,000 | $192,561 | $0 | 0.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 29 | $5,595,000 | $192,931 | $0 | 0.00% |
| Outside of Metro Areas | 15 | $3,695,000 | $246,333 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 14 | $3,490,000 | $249,286 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 12 | $3,280,000 | $273,333 | $0 | 0.00% |
| West Plains, MO (FHA|USDA|VA) | 11 | $2,115,000 | $192,273 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 7 | $1,765,000 | $252,143 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $0 | 0.00% |
| Sikeston, MO (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $0 | 0.00% |
| Warrensburg, MO (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $0 | 0.00% |
| Oxford, MS (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Wood & Huston Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 235 | $44,395,000 | $188,915 | $0 | 0.00% |
For 2024, Wood & Huston Bank's most frequently originated type of loan was Conventional, with 235 originations.
Loan Reason
For 2024, Wood & Huston Bank's most frequently cited loan purpose was Home Purchase, with 145 originations. The 2nd most popular reason was Refi, with 50 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 235 | $44,395,000 | $188,915 | $0 | 0.00% |
For 2024, Wood & Huston Bank's most frequently cited loan duration was Other, with 235 originations.
Loan Sizing
2024 saw Wood & Huston Bank place emphasis on $100,000 or less loans with 98 originations, totaling $5,980,000 in origination value.
Applicant Income
Wood & Huston Bank lent most frequently to those with incomes in the $100k-150k range, with 46 originations. The second most popular income band? $50k or less, with 41 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 235 | $44,395,000 | $188,915 | $0 | 0.00% |
Wood & Huston Bank lent most frequently to those with DTI ratios of Exempt%, with 235 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.52%
Wood & Huston Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.06%
Wood & Huston Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 235 | $44,395,000 | $188,915 |