Wood & Huston Bank Mortgage Rates, Fees & Info

Marshall, MO

LEI: 549300MU6FQRPD7FPQ11

Tax ID: 44-0495280

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

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Mortgage Data

Bank Data

Review & Overview

Wood & Huston Bank is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Wood & Huston Bank has a high proportion of conventional loans. Their top markets by origination volume include: Cape Girardeau, Marshall, Kansas City, Sedalia, and Springfield among others. We have data for 29 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% 3/27/24
30 Year Conventional Refi 6.35% 3/27/24
30 Year Cash-out Refi 6.46% 3/27/24
30 Year USDA Purchase 6.27% 3/27/24
15 Year Conventional Purchase 6.52% 3/27/24
15 Year Conventional Refi 6.11% 3/27/24
15 Year Cash-out Refi 6.11% 3/27/24
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

616

Origination Dollar Volume (All Markets)

$101,770,000

Employee count

171

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
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 164 $35,030,000 $213,598 $0 0.00%
Marshall, MO (FHA|USDA|VA) 164 $18,480,000 $112,683 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 81 $13,495,000 $166,605 $0 0.00%
Sedalia, MO (FHA|USDA|VA) 54 $8,910,000 $165,000 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 43 $6,095,000 $141,744 $0 0.00%
Outside of Metro Areas 38 $5,390,000 $141,842 $0 0.00%
West Plains, MO (FHA|USDA|VA) 21 $2,675,000 $127,381 $0 0.00%
Warrensburg, MO (FHA|USDA|VA) 7 $1,695,000 $242,143 $0 0.00%
Sikeston, MO (FHA|USDA|VA) 13 $1,645,000 $126,538 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $1,645,000 $329,000 $0 0.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $0 0.00%
COLUMBIA, MO (FHA|USDA|VA) 5 $855,000 $171,000 $0 0.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $630,000 $315,000 $0 0.00%
Lebanon, MO (FHA|USDA|VA) 2 $540,000 $270,000 $0 0.00%
Traverse City, MI (FHA|USDA|VA) 1 $475,000 $475,000 $0 0.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $320,000 $160,000 $0 0.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
JOPLIN, MO (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
LOUISVILLE, KY (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
ALBANY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
Farmington, MO (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
BEND, OR (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
Kirksville, MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
DECATUR, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
Wood & Huston Bank's top markets include Cape Girardeau, Marshall, Kansas City, Sedalia, and Springfield among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 616 $101,770,000 $165,211 $0 0.00%

    For 2020, Wood & Huston Bank's most frequently originated type of loan was Conventional, with 616 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 236 $45,290,000 $191,907 $0 0.00%
    Home Purchase 227 $32,825,000 $144,604 $0 0.00%
    Cash Out Refi 140 $22,820,000 $163,000 $0 0.00%
    Home Improvement 12 $730,000 $60,833 $0 0.00%
    Other 1 $105,000 $105,000 $0 0.00%

    For 2020, Wood & Huston Bank's most frequently cited loan purpose was Refi, with 236 originations. The 2nd most popular reason was Home Purchase, with 227 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 616 $101,770,000 $165,211 $0 0.00%

    For 2020, Wood & Huston Bank's most frequently cited loan duration was Other, with 616 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 235 $33,205,000 $141,298 $0 0.00%
    $100,000 or less 211 $12,895,000 $61,114 $0 0.00%
    $200k-400k 143 $38,765,000 $271,084 $0 0.00%
    $400k-600k 20 $9,300,000 $465,000 $0 0.00%
    $600k-1MM 5 $3,765,000 $753,000 $0 0.00%
    $1MM+ 2 $3,840,000 $1,920,000 $0 0.00%

    2020 saw Wood & Huston Bank place emphasis on $100k-200k loans with 235 originations, totaling $33,205,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 125 $14,675,000 $117,400 $0 0.00%
    $50k or less 125 $12,585,000 $100,680 $0 0.00%
    $100k-150k 120 $22,600,000 $188,333 $0 0.00%
    $75k-100k 98 $16,850,000 $171,939 $0 0.00%
    $150k-250k 71 $17,915,000 $252,324 $0 0.00%
    $250k+ 22 $6,890,000 $313,182 $0 0.00%

    Wood & Huston Bank lent most frequently to those with incomes in the $50k-75k range, with 125 originations. The second most popular income band? $50k or less, with 125 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 616 $101,770,000 $165,211 $0 0.00%

    Wood & Huston Bank lent most frequently to those with DTI ratios of Exempt%, with 616 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 549 $89,095,000 $162,286 $0 0.00%
    Not applicable 56 $10,520,000 $187,857 $0 0.00%
    American Indian 2 $490,000 $245,000 $0 0.00%
    Asian 2 $440,000 $220,000 $0 0.00%
    Asian Indian 2 $430,000 $215,000 $0 0.00%
    Other Asian 1 $295,000 $295,000 $0 0.00%
    Black 2 $250,000 $125,000 $0 0.00%
    Not provided 1 $165,000 $165,000 $0 0.00%
    Native Hawaiian or Islander 1 $85,000 $85,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.21%

    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
    92.69%

    Wood & Huston Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 616 $101,770,000 $165,211

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $3,080,000 $385,000
    Single Family (1-4 Units):Manufactured 16 $1,200,000 $75,000
    Single Family (1-4 Units):Site-Built 592 $97,490,000 $164,679

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Wedgewood, LLC Conventional home mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    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 $251,902
    Wood & Huston Bank 111 South Broadview Street Cape Girardeau, MO 63703 Full Service B&M $160,438
    Wood & Huston Bank 1310 Preacher Roe West Plains, MO 65775 Full Service Retail $9,502
    Wood & Huston Bank 1319 North Porter Wagoner Boulevard West Plains, MO 65775 Full Service B&M $62,813
    Wood & Huston Bank 150 South Miami Avenue Marshall, MO 65340 Full Service B&M $4,338
    Wood & Huston Bank 1610 N. Kingshighway, Suite 301 Cape Girardeau, MO 63701 Full Service B&M $972
    Wood & Huston Bank 204 West Primrose Springfield, MO 65807 Full Service B&M $68,567
    Wood & Huston Bank 208 East Morrow Marshall, MO 65340 Full Service B&M $6,980
    Wood & Huston Bank 2999 E. Jackson Blvd Jackson, MO 63755 Full Service B&M $72,717
    Wood & Huston Bank 3400 W Broadway Blvd, Ste A Sedalia, MO 65301 Full Service B&M $12,824
    Wood & Huston Bank 3500 Hwy 13 Blvd Higginsville, MO 64037 Full Service B&M $35,145
    Wood & Huston Bank 855 South Cherokee Marshall, MO 65340 Full Service Retail $9,086

    For 2020, Wood & Huston Bank had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $34,108
    Net interest income $27,630
    Total noninterest income $8,295
    Gross Fiduciary activities income $136
    Service charges on deposit accounts $2,900
    Trading account gains and fees $0
    Additional Noninterest Income $5,259
    Pre-tax net operating income $11,307
    Securities gains (or losses, -) $1,834
    Income before extraordinary items $13,141
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $13,141
    Minority interest net income $0
    Net income $13,141
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,307

    Wood & Huston Bank's gross interest income from loans was $34,108,000.
    Wood & Huston Bank's net interest income from loans was $27,630,000.
    Wood & Huston Bank's fee based income from loans was $2,900,000.
    Wood & Huston Bank's net income from loans was $13,141,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,478
    Provision for credit losses $2,170
    Total noninterest expense $22,448
    Salaries and employee benefits $12,767
    Premises and equipment expense $2,008
    Additional noninterest expense $7,673
    Applicable income taxes $0
    Net charge-offs $654
    Cash dividends $7,856

    Wood & Huston Bank's interest expense for loans was $6,478,000.
    Wood & Huston Bank's payroll and benefits expense were $12,767,000.
    Wood & Huston Bank's property, plant and equipment expenses $2,008,000.

    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 $771,176
    Deposits held in domestic offices $771,176
    Deposits by Individuals, partnerships, and corporations $613,211
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $157,965
    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 $78,630
    Demand deposits $78,630
    Nontransaction accounts $692,546
    Money market deposit accounts (MMDAs) $445,887
    Other savings deposits (excluding MMDAs) $50,819
    Total time deposits $195,840
    Total time and savings deposits $692,546
    Noninterest-bearing deposits $195,289
    Interest-bearing deposits $575,887
    Retail deposits $731,429
    IRAs and Keogh plan accounts $21,395
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $887,649
    Cash & Balances due from depository institutions $62,523
    Interest-bearing balances $41,622
    Total securities $145,163
    Federal funds sold & reverse repurchase $377
    Net loans and leases $638,272
    Loan and leases loss allowance $9,221
    Trading account assets $0
    Bank premises and fixed assets $12,136
    Other real estate owned $254
    Goodwill and other intangibles $0
    All other assets $28,924

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $887,649
    Total Liabilities $796,150
    Total deposits $771,176
    Interest-bearing deposits $575,887
    Deposits held in domestic offices $771,176
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $19,705
    Subordinated debt $0
    All other liabilities $5,269

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $638,272
    Loan and leases loss allowance $9,221
    Total loans and leases (domestic) $647,493
    All real estate loans $454,580
    Real estate loans in domestic offices $454,580
    Construction and development loans $35,983
    Residential 1-4 family construction $13,249
    Other construction, all land development and other land $22,734
    Loans secured by nonfarm nonresidential properties $182,108
    Nonfarm nonresidential secured by owner-occupied properties $109,540
    Commercial real estate & other non-farm, non-residential $72,568
    Multifamily residential real estate $16,214
    1-4 family residential loans $138,761
    Farmland loans $81,514
    Loans held in foreign offices $0
    Farm loans $48,449
    Commercial and industrial loans $123,838
    To non-U.S. addressees $0
    Loans to individuals $20,350
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $8,102
    Other loans to individuals $12,248
    All other loans & leases $276
    Loans to foreign governments and official institutions $0
    Other loans $276
    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 $1,715
    Non 1-4 family restructured loans & leases $1,440
    Total loans and leases (foreign) $0

    Wood & Huston Bank had $638,272,000 of loans outstanding in 2020. $454,580,000 of loans were in real estate loans. $35,983,000 of loans were in development loans. $16,214,000 of loans were in multifamily mortgage loans. $138,761,000 of loans were in 1-4 family mortgage loans. $48,449,000 of loans were in farm loans. $0 of loans were in credit card loans. $8,102,000 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 344 $62,130 $180,610
    Nonfarm, nonresidential loans - <$100k 143 $6,748 $47,189
    Nonfarm, nonresidential loans - $100-250k 112 $15,683 $140,027
    Nonfarm, nonresidential loans - $250k-1MM 89 $39,699 $446,056
    Commercial & Industrial, US addressed loans - <$1MM 1,661 $64,858 $39,048
    Commercial & Industrial, US addressed loans - <$100k 1,459 $27,923 $19,138
    Commercial & Industrial, US addressed loans - $100-250k 144 $15,100 $104,861
    Commercial & Industrial, US addressed loans - $250k-1MM 58 $21,835 $376,466
    Farmland loans - <$1MM 178 $22,008 $123,640
    Farmland loans - <$100k 74 $3,081 $41,635
    Farmland loans - $100-250k 71 $9,160 $129,014
    Farmland loans - $250k-1MM 33 $9,767 $295,970
    Agriculture operations loans - <$1MM 1,232 $37,296 $30,273
    Agriculture operations loans - <$100k 1,131 $23,350 $20,645
    Agriculture operations loans - $100-250k 73 $7,337 $100,507
    Agriculture operations loans - $250k-1MM 28 $6,609 $236,036