Wood & Huston Bank Mortgage Rates, Fees & Info
Marshall, MOLEI: 549300MU6FQRPD7FPQ11
Tax ID: 44-0495280
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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, Kansas City, Marshall, Sedalia, and Jefferson City among others. We have data for 24 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. Wood & Huston Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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% | 9/1/24 |
30 Year Conventional Refi | 6.35% | 9/1/24 |
30 Year Cash-out Refi | 6.46% | 9/1/24 |
30 Year USDA Purchase | 6.27% | 9/1/24 |
15 Year Conventional Purchase | 6.52% | 9/1/24 |
15 Year Conventional Refi | 6.11% | 9/1/24 |
15 Year Cash-out Refi | 6.11% | 9/1/24 |
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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
476Origination Dollar Volume (All Markets)
$85,250,000Employee count
177 Show all (6) awardsWood & Huston Bank - 2021
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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) | 90 | $21,930,000 | $243,667 | $1,967 | 3.63% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 97 | $16,805,000 | $173,247 | $1,723 | 4.00% |
Marshall, MO (FHA|USDA|VA) | 115 | $11,915,000 | $103,609 | $1,519 | 4.19% |
Sedalia, MO (FHA|USDA|VA) | 46 | $7,460,000 | $162,174 | $1,888 | 3.46% |
Outside of Metro Areas | 35 | $6,025,000 | $172,143 | $2,015 | 3.71% |
JEFFERSON CITY, MO (FHA|USDA|VA) | 8 | $5,610,000 | $701,250 | $2,003 | 3.30% |
SPRINGFIELD, MO (FHA|USDA|VA) | 14 | $4,270,000 | $305,000 | $2,247 | 3.74% |
West Plains, MO (FHA|USDA|VA) | 22 | $2,110,000 | $95,909 | $1,796 | 4.01% |
COLUMBIA, MO (FHA|USDA|VA) | 10 | $1,900,000 | $190,000 | $1,605 | 4.27% |
Sikeston, MO (FHA|USDA|VA) | 14 | $1,720,000 | $122,857 | $1,614 | 4.26% |
ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $2,614 | 3.19% |
Branson, MO (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $2,813 | 3.38% |
Warrensburg, MO (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $1,669 | 3.81% |
Oxford, MS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,006 | 4.25% |
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,390 | 2.63% |
PANAMA CITY, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $0 | 4.17% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 3.95% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,969 | 3.75% |
ALBANY, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,166 | 3.50% |
Mountain Home, AR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,262 | 4.87% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,782 | 3.00% |
KNOXVILLE, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,741 | 3.38% |
WICHITA, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,433 | 2.63% |
CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.50% |
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 | 476 | $85,250,000 | $179,097 | $1,810 | 3.88% |
For 2021, Wood & Huston Bank's most frequently originated type of loan was Conventional, with 476 originations.
Loan Reason
For 2021, Wood & Huston Bank's most frequently cited loan purpose was Home Purchase, with 241 originations. The 2nd most popular reason was Refi, with 131 originations.
Loan Duration/Length
For 2021, Wood & Huston Bank's most frequently cited loan duration was 30 Year, with 157 originations. The 2nd most popular length was 15 Year, with 99 originations.
Origination Fees/Closing Costs
Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
---|---|---|---|
$<1k | 319 | $50,415,000 | $158,041 |
$2k-3k | 1 | $195,000 | $195,000 |
Wood & Huston Bank's average total fees were $1,929, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 319 originations.
Interest Rates
During 2021, Wood & Huston Bank's average interest rate for loans was 3.55%, while their most frequently originated rate bucket for loans was 4-5%, with 144 originations.
Loan Sizing
2021 saw Wood & Huston Bank place emphasis on $100,000 or less loans with 198 originations, totaling $12,210,000 in origination value.
Applicant Income
Wood & Huston Bank lent most frequently to those with incomes in the $50k or less range, with 120 originations. The second most popular income band? $100k-150k, with 90 originations.
Applicant Debt to Income Ratio
Wood & Huston Bank lent most frequently to those with DTI ratios of 20-30%, with 104 originations. The next most common DTI ratio? <20%, with 74 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.89%
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 origination93.07%
Wood & Huston Bank has an average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 476 | $85,250,000 | $179,097 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
Wedgewood, LLC | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
Wood & Huston Bank | 1001 Winchester Drive Sedalia, MO 65301 | Full Service B&M | $55,038 |
Wood & Huston Bank | 111 South Broadview Street Cape Girardeau, MO 63703 | Full Service B&M | $203,305 |
Wood & Huston Bank | 1310 Preacher Roe West Plains, MO 65775 | Full Service Retail | $11,399 |
Wood & Huston Bank | 1319 North Porter Wagoner Boulevard West Plains, MO 65775 | Full Service B&M | $68,112 |
Wood & Huston Bank | 150 South Miami Avenue Marshall, MO 65340 | Full Service B&M | $4,885 |
Wood & Huston Bank | 1610 N. Kingshighway, Suite 301 Cape Girardeau, MO 63701 | Full Service B&M | $2,079 |
Wood & Huston Bank | 204 West Primrose Springfield, MO 65807 | Full Service B&M | $67,124 |
Wood & Huston Bank | 208 East Morrow Marshall, MO 65340 | Full Service B&M | $9,117 |
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 | $288,257 |
Wood & Huston Bank | 2999 E. Jackson Blvd Jackson, MO 63755 | Full Service B&M | $86,579 |
Wood & Huston Bank | 3500 Hwy 13 Blvd Higginsville, MO 64037 | Full Service B&M | $53,378 |
Wood & Huston Bank | 855 South Cherokee Marshall, MO 65340 | Full Service Retail | $10,982 |
For 2021, Wood & Huston Bank had 13 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $39,675 |
Net interest income | $34,518 |
Total noninterest income | $8,504 |
Gross Fiduciary activities income | $276 |
Service charges on deposit accounts | $3,086 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $5,142 |
Pre-tax net operating income | $18,033 |
Securities gains (or losses, -) | $1,000 |
Income before extraordinary items | $19,033 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $19,033 |
Minority interest net income | $0 |
Net income | $19,033 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $18,033 |
Wood & Huston Bank's gross interest income from loans was $39,675,000.
Wood & Huston Bank's net interest income from loans was $34,518,000.
Wood & Huston Bank's fee based income from loans was $3,086,000.
Wood & Huston Bank's net income from loans was $19,033,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $5,157 |
Provision for credit losses | $1,175 |
Total noninterest expense | $23,814 |
Salaries and employee benefits | $13,332 |
Premises and equipment expense | $2,166 |
Additional noninterest expense | $8,316 |
Applicable income taxes | $0 |
Net charge-offs | $176 |
Cash dividends | $10,048 |
Wood & Huston Bank's interest expense for loans was $5,157,000.
Wood & Huston Bank's payroll and benefits expense were $13,332,000.
Wood & Huston Bank's property, plant and equipment expenses $2,166,000.
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 | $966,554 |
Deposits held in domestic offices | $966,554 |
Deposits by Individuals, partnerships, and corporations | $729,894 |
Deposits by U.S. Government | $0 |
Deposits by States and political subdivisions in the U.S. | $236,660 |
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 | $95,337 |
Demand deposits | $95,337 |
Nontransaction accounts | $871,217 |
Money market deposit accounts (MMDAs) | $598,546 |
Other savings deposits (excluding MMDAs) | $64,968 |
Total time deposits | $207,704 |
Total time and savings deposits | $871,217 |
Noninterest-bearing deposits | $231,579 |
Interest-bearing deposits | $734,975 |
Retail deposits | $919,220 |
IRAs and Keogh plan accounts | $23,782 |
Brokered deposits | $0 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $1,087,253 |
Cash & Balances due from depository institutions | $63,921 |
Interest-bearing balances | $45,521 |
Total securities | $212,951 |
Federal funds sold & reverse repurchase | $757 |
Net loans and leases | $766,366 |
Loan and leases loss allowance | $10,219 |
Trading account assets | $0 |
Bank premises and fixed assets | $12,793 |
Other real estate owned | $253 |
Goodwill and other intangibles | $0 |
All other assets | $30,212 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $1,087,253 |
Total Liabilities | $989,799 |
Total deposits | $966,554 |
Interest-bearing deposits | $734,975 |
Deposits held in domestic offices | $966,554 |
% insured (estimated) | $63 |
Federal funds purchased and repurchase agreements | $0 |
Trading liabilities | $0 |
Other borrowed funds | $19,705 |
Subordinated debt | $0 |
All other liabilities | $3,540 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $766,366 |
Loan and leases loss allowance | $10,219 |
Total loans and leases (domestic) | $776,585 |
All real estate loans | $554,240 |
Real estate loans in domestic offices | $554,240 |
Construction and development loans | $35,350 |
Residential 1-4 family construction | $16,462 |
Other construction, all land development and other land | $18,888 |
Loans secured by nonfarm nonresidential properties | $220,109 |
Nonfarm nonresidential secured by owner-occupied properties | $153,566 |
Commercial real estate & other non-farm, non-residential | $66,543 |
Multifamily residential real estate | $33,626 |
1-4 family residential loans | $141,279 |
Farmland loans | $123,876 |
Loans held in foreign offices | $0 |
Farm loans | $61,414 |
Commercial and industrial loans | $134,164 |
To non-U.S. addressees | $0 |
Loans to individuals | $26,261 |
Credit card loans | $0 |
Related Plans | $0 |
Consumer Auto Loans | $14,683 |
Other loans to individuals | $11,578 |
All other loans & leases | $507 |
Loans to foreign governments and official institutions | $0 |
Other loans | $507 |
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 | $923 |
Non 1-4 family restructured loans & leases | $647 |
Total loans and leases (foreign) | $0 |
Wood & Huston Bank had $766,366,000 of loans outstanding in 2021. $554,240,000 of loans were in real estate loans. $35,350,000 of loans were in development loans. $33,626,000 of loans were in multifamily mortgage loans. $141,279,000 of loans were in 1-4 family mortgage loans. $61,414,000 of loans were in farm loans. $0 of loans were in credit card loans. $14,683,000 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 | 350 | $66,119 | $188,911 |
Nonfarm, nonresidential loans - <$100k | 142 | $6,686 | $47,085 |
Nonfarm, nonresidential loans - $100-250k | 112 | $15,672 | $139,929 |
Nonfarm, nonresidential loans - $250k-1MM | 96 | $43,761 | $455,844 |
Commercial & Industrial, US addressed loans - <$1MM | 1,362 | $74,198 | $54,477 |
Commercial & Industrial, US addressed loans - <$100k | 1,138 | $24,765 | $21,762 |
Commercial & Industrial, US addressed loans - $100-250k | 147 | $16,619 | $113,054 |
Commercial & Industrial, US addressed loans - $250k-1MM | 77 | $32,814 | $426,156 |
Farmland loans - <$1MM | 197 | $25,447 | $129,173 |
Farmland loans - <$100k | 81 | $3,557 | $43,914 |
Farmland loans - $100-250k | 73 | $9,543 | $130,726 |
Farmland loans - $250k-1MM | 43 | $12,347 | $287,140 |
Agriculture operations loans - <$1MM | 1,333 | $45,819 | $34,373 |
Agriculture operations loans - <$100k | 1,206 | $27,105 | $22,475 |
Agriculture operations loans - $100-250k | 101 | $12,359 | $122,366 |
Agriculture operations loans - $250k-1MM | 26 | $6,355 | $244,423 |