Wood & Huston Bank Mortgage Rates, Fees & Info
Marshall, MOLEI: 549300MU6FQRPD7FPQ11
Tax ID: 44-0495280
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Bank 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: Cape Girardeau, Marshall, Kansas City, Columbia, and Springfield among others. We have data for 18 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 a below 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% | 4/21/24 |
| 30 Year Conventional Refi | 6.35% | 4/21/24 |
| 30 Year Cash-out Refi | 6.46% | 4/21/24 |
| 30 Year USDA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 6.52% | 4/21/24 |
| 15 Year Conventional Refi | 6.11% | 4/21/24 |
| 15 Year Cash-out Refi | 6.11% | 4/21/24 |
| 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
306Origination Dollar Volume (All Markets)
$57,620,000Employee count
168Top 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 |
|---|---|---|---|---|---|
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 53 | $16,715,000 | $315,377 | $0 | 0.00% |
| Marshall, MO (FHA|USDA|VA) | 115 | $14,225,000 | $123,696 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 38 | $7,850,000 | $206,579 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 5 | $5,955,000 | $1,191,000 | $0 | 0.00% |
| Outside of Metro Areas | 33 | $4,295,000 | $130,152 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 22 | $2,950,000 | $134,091 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 11 | $1,625,000 | $147,727 | $0 | 0.00% |
| West Plains, MO (FHA|USDA|VA) | 12 | $1,490,000 | $124,167 | $0 | 0.00% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $0 | 0.00% |
| Sikeston, MO (FHA|USDA|VA) | 5 | $355,000 | $71,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Murray, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Maryville, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $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 | 306 | $57,620,000 | $188,301 | $0 | 0.00% |
For 2019, Wood & Huston Bank's most frequently originated type of loan was Conventional, with 306 originations.
Loan Reason
For 2019, Wood & Huston Bank's most frequently cited loan purpose was Home Purchase, with 195 originations. The 2nd most popular reason was Refi, with 64 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 306 | $57,620,000 | $188,301 | $0 | 0.00% |
For 2019, Wood & Huston Bank's most frequently cited loan duration was Other, with 306 originations.
Loan Sizing
2019 saw Wood & Huston Bank place emphasis on $100,000 or less loans with 150 originations, totaling $8,660,000 in origination value.
Applicant Income
Wood & Huston Bank lent most frequently to those with incomes in the $50k or less range, with 78 originations. The second most popular income band? $50k-75k, with 61 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 306 | $57,620,000 | $188,301 | $0 | 0.00% |
Wood & Huston Bank lent most frequently to those with DTI ratios of Exempt%, with 306 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.68%
Wood & Huston Bank has an average approval rate.
Pick Rate
Approvals leading to origination89.54%
Wood & Huston Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 306 | $57,620,000 | $188,301 |
Occupancy Type Mix
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Wood & Huston Bank | 111 South Broadview Street Cape Girardeau, MO 63703 | Full Service B&M | $134,823 |
| Wood & Huston Bank | 1310 Preacher Roe West Plains, MO 65775 | Full Service Retail | $9,036 |
| Wood & Huston Bank | 1319 North Porter Wagoner Boulevard West Plains, MO 65775 | Full Service B&M | $58,499 |
| Wood & Huston Bank | 150 South Miami Avenue Marshall, MO 65340 | Full Service B&M | $3,689 |
| Wood & Huston Bank | 204 West Primrose Springfield, MO 65807 | Full Service B&M | $64,388 |
| Wood & Huston Bank | 208 East Morrow Marshall, MO 65340 | Full Service B&M | $6,140 |
| Wood & Huston Bank | 27 East North Street Marshall, MO 65340 | Limited, Drive-thru | $0 |
| Wood & Huston Bank | 27 East North Street Marshall, MO 65340 | Full Service B&M | $218,082 |
| Wood & Huston Bank | 2999 E. Jackson Blvd Jackson, MO 63755 | Full Service B&M | $63,988 |
| Wood & Huston Bank | 3500 Hwy 13 Blvd Higginsville, MO 64037 | Full Service B&M | $28,787 |
| Wood & Huston Bank | 855 South Cherokee Marshall, MO 65340 | Full Service Retail | $7,669 |
For 2019, Wood & Huston Bank had 11 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $32,974 |
| Net interest income | $25,266 |
| Total noninterest income | $7,082 |
| Gross Fiduciary activities income | $133 |
| Service charges on deposit accounts | $3,497 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $3,452 |
| Pre-tax net operating income | $10,826 |
| Securities gains (or losses, -) | $102 |
| Income before extraordinary items | $10,928 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $10,928 |
| Minority interest net income | $0 |
| Net income | $10,928 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $10,826 |
Wood & Huston Bank's gross interest income from loans was $32,974,000.
Wood & Huston Bank's net interest income from loans was $25,266,000.
Wood & Huston Bank's fee based income from loans was $3,497,000.
Wood & Huston Bank's net income from loans was $10,928,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $7,708 |
| Provision for credit losses | $476 |
| Total noninterest expense | $21,046 |
| Salaries and employee benefits | $11,565 |
| Premises and equipment expense | $1,776 |
| Additional noninterest expense | $7,705 |
| Applicable income taxes | $0 |
| Net charge-offs | $569 |
| Cash dividends | $8,688 |
Wood & Huston Bank's interest expense for loans was $7,708,000.
Wood & Huston Bank's payroll and benefits expense were $11,565,000.
Wood & Huston Bank's property, plant and equipment expenses $1,776,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $639,261 |
| Deposits held in domestic offices | $639,261 |
| Deposits by Individuals, partnerships, and corporations | $531,008 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $108,253 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $57,654 |
| Demand deposits | $57,654 |
| Nontransaction accounts | $581,607 |
| Money market deposit accounts (MMDAs) | $329,243 |
| Other savings deposits (excluding MMDAs) | $38,102 |
| Total time deposits | $214,263 |
| Total time and savings deposits | $581,607 |
| Noninterest-bearing deposits | $138,134 |
| Interest-bearing deposits | $501,127 |
| Retail deposits | $589,367 |
| IRAs and Keogh plan accounts | $21,134 |
| Brokered deposits | $249 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $767,851 |
| Cash & Balances due from depository institutions | $39,728 |
| Interest-bearing balances | $25,904 |
| Total securities | $138,024 |
| Federal funds sold & reverse repurchase | $1,365 |
| Net loans and leases | $548,625 |
| Loan and leases loss allowance | $7,705 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $10,590 |
| Other real estate owned | $328 |
| Goodwill and other intangibles | $0 |
| All other assets | $29,191 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $767,851 |
| Total Liabilities | $683,032 |
| Total deposits | $639,261 |
| Interest-bearing deposits | $501,127 |
| Deposits held in domestic offices | $639,261 |
| % insured (estimated) | $73 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $40,000 |
| Subordinated debt | $0 |
| All other liabilities | $3,771 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $548,625 |
| Loan and leases loss allowance | $7,705 |
| Total loans and leases (domestic) | $556,330 |
| All real estate loans | $408,707 |
| Real estate loans in domestic offices | $408,707 |
| Construction and development loans | $31,273 |
| Residential 1-4 family construction | $10,419 |
| Other construction, all land development and other land | $20,854 |
| Loans secured by nonfarm nonresidential properties | $141,966 |
| Nonfarm nonresidential secured by owner-occupied properties | $88,694 |
| Commercial real estate & other non-farm, non-residential | $53,272 |
| Multifamily residential real estate | $21,098 |
| 1-4 family residential loans | $140,137 |
| Farmland loans | $74,233 |
| Loans held in foreign offices | $0 |
| Farm loans | $48,022 |
| Commercial and industrial loans | $80,582 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $18,319 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $10,564 |
| Other loans to individuals | $7,755 |
| All other loans & leases | $700 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $700 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $129 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Wood & Huston Bank had $548,625,000 of loans outstanding in 2019. $408,707,000 of loans were in real estate loans. $31,273,000 of loans were in development loans. $21,098,000 of loans were in multifamily mortgage loans. $140,137,000 of loans were in 1-4 family mortgage loans. $48,022,000 of loans were in farm loans. $0 of loans were in credit card loans. $10,564,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 338 | $58,495 | $173,062 |
| Nonfarm, nonresidential loans - <$100k | 140 | $6,650 | $47,500 |
| Nonfarm, nonresidential loans - $100-250k | 119 | $16,064 | $134,992 |
| Nonfarm, nonresidential loans - $250k-1MM | 79 | $35,781 | $452,924 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,084 | $44,744 | $41,277 |
| Commercial & Industrial, US addressed loans - <$100k | 922 | $18,085 | $19,615 |
| Commercial & Industrial, US addressed loans - $100-250k | 123 | $13,018 | $105,837 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 39 | $13,641 | $349,769 |
| Farmland loans - <$1MM | 172 | $18,457 | $107,308 |
| Farmland loans - <$100k | 80 | $3,080 | $38,500 |
| Farmland loans - $100-250k | 69 | $8,952 | $129,739 |
| Farmland loans - $250k-1MM | 23 | $6,425 | $279,348 |
| Agriculture operations loans - <$1MM | 1,240 | $35,802 | $28,873 |
| Agriculture operations loans - <$100k | 1,145 | $22,109 | $19,309 |
| Agriculture operations loans - $100-250k | 66 | $7,283 | $110,348 |
| Agriculture operations loans - $250k-1MM | 29 | $6,410 | $221,034 |