Wood & Huston Bank Mortgage Rates, Fees & Info
Marshall, MOLEI: 549300MU6FQRPD7FPQ11
Tax ID: 44-0495280
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Mortgage Data
Review & Overview
Wood & Huston Bank is a smaller bank specializing in Home Purchase loans. Wood & Huston Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Cape Girardeau, Marshall, Sedalia, and Springfield 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.56% | 11/17/24 |
| 30 Year Conventional Refi | 6.35% | 11/17/24 |
| 30 Year Cash-out Refi | 6.46% | 11/17/24 |
| 30 Year USDA Purchase | 6.27% | 11/17/24 |
| 15 Year Conventional Purchase | 6.52% | 11/17/24 |
| 15 Year Conventional Refi | 6.11% | 11/17/24 |
| 15 Year Cash-out Refi | 6.11% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Wood & Huston Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
230Origination Dollar Volume (All Markets)
$42,930,000Top 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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 55 | $10,835,000 | $197,000 | $0 | 0.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 34 | $8,860,000 | $260,588 | $0 | 0.00% |
| Marshall, MO (FHA|USDA|VA) | 65 | $7,455,000 | $114,692 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 24 | $4,260,000 | $177,500 | $0 | 0.00% |
| Outside of Metro Areas | 14 | $3,600,000 | $257,143 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 9 | $2,715,000 | $301,667 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $0 | 0.00% |
| Warrensburg, MO (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $0 | 0.00% |
| West Plains, MO (FHA|USDA|VA) | 9 | $845,000 | $93,889 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 0.00% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Sikeston, MO (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 0.00% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $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 | 230 | $42,930,000 | $186,652 | $0 | 0.00% |
For 2023, Wood & Huston Bank's most frequently originated type of loan was Conventional, with 230 originations.
Loan Reason
For 2023, Wood & Huston Bank's most frequently cited loan purpose was Home Purchase, with 168 originations. The 2nd most popular reason was Refi, with 30 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 230 | $42,930,000 | $186,652 | $0 | 0.00% |
For 2023, Wood & Huston Bank's most frequently cited loan duration was Other, with 230 originations.
Loan Sizing
2023 saw Wood & Huston Bank place emphasis on $100,000 or less loans with 92 originations, totaling $5,580,000 in origination value.
Applicant Income
Wood & Huston Bank lent most frequently to those with incomes in the $50k-75k range, with 48 originations. The second most popular income band? $50k or less, with 45 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 230 | $42,930,000 | $186,652 | $0 | 0.00% |
Wood & Huston Bank lent most frequently to those with DTI ratios of Exempt%, with 230 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.01%
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 origination93.04%
Wood & Huston Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 230 | $42,930,000 | $186,652 |