Wood & Huston Bank Mortgage Rates, Fees & Info

Marshall, MO

LEI: 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.56% 6/9/24
30 Year Conventional Refi 6.35% 6/9/24
30 Year Cash-out Refi 6.46% 6/9/24
30 Year USDA Purchase 6.27% 6/9/24
15 Year Conventional Purchase 6.52% 6/9/24
15 Year Conventional Refi 6.11% 6/9/24
15 Year Cash-out Refi 6.11% 6/9/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Wood & Huston Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

230

Origination Dollar Volume (All Markets)

$42,930,000

Top 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%
Wood & Huston Bank's top markets include Kansas City, Cape Girardeau, Marshall, Sedalia, and Springfield among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • 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.

    Banterra Bank
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    FRONTIER COMMUNITY CREDIT UNION
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    Southern Bank
    Similarity Rank: 1003
    ASSEMBLIES OF GOD Credit Union
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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 168 $33,510,000 $199,464 $0 0.00%
    Refi 30 $5,750,000 $191,667 $0 0.00%
    Cash Out Refi 14 $1,820,000 $130,000 $0 0.00%
    Home Improvement 12 $1,020,000 $85,000 $0 0.00%
    Other 6 $830,000 $138,333 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 92 $5,580,000 $60,652 $0 0.00%
    $100k-200k 71 $10,585,000 $149,085 $0 0.00%
    $200k-400k 46 $12,710,000 $276,304 $0 0.00%
    $400k-600k 12 $6,280,000 $523,333 $0 0.00%
    $600k-1MM 6 $4,130,000 $688,333 $0 0.00%
    $1MM+ 3 $3,645,000 $1,215,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 48 $5,050,000 $105,208 $0 0.00%
    $50k or less 45 $5,045,000 $112,111 $0 0.00%
    $100k-150k 38 $8,410,000 $221,316 $0 0.00%
    $75k-100k 27 $3,435,000 $127,222 $0 0.00%
    $150k-250k 23 $6,155,000 $267,609 $0 0.00%
    $250k+ 15 $7,385,000 $492,333 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 187 $33,305,000 $178,102 $0 0.00%
    Not applicable 32 $6,890,000 $215,313 $0 0.00%
    Asian 5 $945,000 $189,000 $0 0.00%
    Asian Indian 1 $905,000 $905,000 $0 0.00%
    Black 4 $710,000 $177,500 $0 0.00%
    Not provided 1 $175,000 $175,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.01%

    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 origination
    93.04%

    Wood & Huston Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 230 $42,930,000 $186,652

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    230 $42,930,000 $186,652