American Bank Of Freedom
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
American Bank Of Freedom 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | American Bank Of Freedom 127 West Hudson Wellsville, MO 63384 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 511 |
| Total Mortgage Loan Application Amount | $76,239,000 |
| Average Mortgage Loan Application Amount | $122,666 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $33,000 |
| Highest Applicant Income | $891,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with American Bank Of Freedom. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing American Bank Of Freedom's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down American Bank Of Freedom's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how American Bank Of Freedom serves its applicants.
Each category highlights the total number of mortgage applications processed by American Bank Of Freedom, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at American Bank Of Freedom's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 82 | $ 17,494,000 | $ 213,000 | $ 13,000 |
| Warren County Missouri | 56 | $ 6,104,000 | $ 109,000 | $ 42,000 |
| Marion County Missouri | 29 | $ 3,169,000 | $ 109,000 | $ 24,000 |
| Montgomery County Missouri | 29 | $ 2,762,000 | $ 95,000 | $ 18,000 |
| Lincoln County Missouri | 22 | $ 2,827,000 | $ 128,000 | $ 96,000 |
| St. Charles County Missouri | 20 | $ 2,984,000 | $ 149,000 | $ 25,000 |
| Pennington County South Dakota | 18 | $ 3,286,000 | $ 182,000 | $ 40,000 |
| St. Louis City County Missouri | 16 | $ 3,238,000 | $ 202,000 | $ 0 |
| Callaway County Missouri | 14 | $ 1,873,000 | $ 133,000 | $ 56,000 |
| Campbell County Wyoming | 11 | $ 2,614,000 | $ 237,000 | $ 68,000 |
| Jefferson County Missouri | 10 | $ 2,005,000 | $ 200,000 | $ 12,000 |
| Jasper County Missouri | 8 | $ 815,000 | $ 101,000 | $ 38,000 |
| Ralls County Missouri | 6 | $ 651,000 | $ 108,000 | $ 48,000 |
| Sweetwater County Wyoming | 6 | $ 1,171,000 | $ 195,000 | $ 62,000 |
| Audrain County Missouri | 5 | $ 393,000 | $ 78,000 | $ 34,000 |
| McKenzie County North Dakota | 5 | $ 1,069,000 | $ 213,000 | $ 66,000 |
| Meade County South Dakota | 5 | $ 776,000 | $ 155,000 | $ 29,000 |
| Minnehaha County South Dakota | 5 | $ 804,000 | $ 160,000 | $ 64,000 |
| Polk County Florida | 4 | $ 559,000 | $ 139,000 | $ 53,000 |
| Will County Illinois | 4 | $ 740,000 | $ 185,000 | $ 77,000 |
| La Plata County Colorado | 3 | $ 767,000 | $ 255,000 | $ 30,000 |
| Madison County Illinois | 3 | $ 415,000 | $ 138,000 | $ 43,000 |
| Black Hawk County Iowa | 3 | $ 412,000 | $ 137,000 | $ 59,000 |
| Dallas County Iowa | 3 | $ 289,000 | $ 96,000 | $ 49,000 |
| Mills County Iowa | 3 | $ 279,000 | $ 93,000 | $ 35,000 |
| Muscatine County Iowa | 3 | $ 591,000 | $ 197,000 | $ 64,000 |
| Polk County Iowa | 3 | $ 436,000 | $ 145,000 | $ 36,000 |
| Woodbury County Iowa | 3 | $ 253,000 | $ 84,000 | $ 37,000 |
| Franklin County Missouri | 3 | $ 507,000 | $ 169,000 | $ 83,000 |
| Pike County Missouri | 3 | $ 165,000 | $ 55,000 | $ 113,000 |
| St. Francois County Missouri | 3 | $ 376,000 | $ 125,000 | $ 0 |
| Lincoln County South Dakota | 3 | $ 467,000 | $ 155,000 | $ 69,000 |
| Broward County Florida | 2 | $ 214,000 | $ 107,000 | $ 35,000 |
| Citrus County Florida | 2 | $ 360,000 | $ 180,000 | $ 43,000 |
| Duval County Florida | 2 | $ 299,000 | $ 149,000 | $ 50,000 |
| Hernando County Florida | 2 | $ 251,000 | $ 125,000 | $ 43,000 |
| Adams County Illinois | 2 | $ 109,000 | $ 54,000 | $ 29,000 |
| Cook County Illinois | 2 | $ 354,000 | $ 177,000 | $ 172,000 |
| McDonough County Illinois | 2 | $ 115,000 | $ 57,000 | $ 37,000 |
| Peoria County Illinois | 2 | $ 184,000 | $ 92,000 | $ 45,000 |
| Cass County Iowa | 2 | $ 281,000 | $ 140,000 | $ 52,000 |
| Johnson County Kansas | 2 | $ 250,000 | $ 125,000 | $ 77,000 |
| Gladwin County Michigan | 2 | $ 193,000 | $ 96,000 | $ 30,000 |
| Kent County Michigan | 2 | $ 337,000 | $ 168,000 | $ 70,000 |
| Camden County Missouri | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Dent County Missouri | 2 | $ 144,000 | $ 72,000 | $ 36,000 |
| Jackson County Missouri | 2 | $ 264,000 | $ 132,000 | $ 0 |
| Taney County Missouri | 2 | $ 226,000 | $ 113,000 | $ 36,000 |
| Clay County South Dakota | 2 | $ 255,000 | $ 127,000 | $ 49,000 |
| Custer County South Dakota | 2 | $ 307,000 | $ 153,000 | $ 76,000 |
| Lawrence County South Dakota | 2 | $ 242,000 | $ 121,000 | $ 81,000 |
| Harris County Texas | 2 | $ 285,000 | $ 142,000 | $ 100,000 |
| Sublette County Wyoming | 2 | $ 393,000 | $ 196,000 | $ 98,000 |
| Jefferson County Alabama | 1 | $ 42,000 | $ 42,000 | $ 36,000 |
| Mobile County Alabama | 1 | $ 122,000 | $ 122,000 | $ 42,000 |
| Arapahoe County Colorado | 1 | $ 373,000 | $ 373,000 | $ 205,000 |
| Archuleta County Colorado | 1 | $ 123,000 | $ 123,000 | $ 80,000 |
| Jefferson County Colorado | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Otero County Colorado | 1 | $ 98,000 | $ 98,000 | $ 94,000 |
| Pitkin County Colorado | 1 | $ 239,000 | $ 239,000 | $ 53,000 |
| Flagler County Florida | 1 | $ 117,000 | $ 117,000 | $ 32,000 |
| Hillsborough County Florida | 1 | $ 51,000 | $ 51,000 | $ 39,000 |
| Lee County Florida | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Manatee County Florida | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Marion County Florida | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Orange County Florida | 1 | $ 164,000 | $ 164,000 | $ 120,000 |
| Putnam County Florida | 1 | $ 172,000 | $ 172,000 | $ 76,000 |
| Bureau County Illinois | 1 | $ 49,000 | $ 49,000 | $ 46,000 |
| Champaign County Illinois | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Clay County Illinois | 1 | $ 87,000 | $ 87,000 | $ 45,000 |
| DuPage County Illinois | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Effingham County Illinois | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Kankakee County Illinois | 1 | $ 139,000 | $ 139,000 | $ 43,000 |
| Macoupin County Illinois | 1 | $ 77,000 | $ 77,000 | $ 0 |
| McLean County Illinois | 1 | $ 183,000 | $ 183,000 | $ 64,000 |
| Ogle County Illinois | 1 | $ 123,000 | $ 123,000 | $ 48,000 |
| St. Clair County Illinois | 1 | $ 168,000 | $ 168,000 | $ 38,000 |
| Tazewell County Illinois | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Wabash County Illinois | 1 | $ 107,000 | $ 107,000 | $ 64,000 |
| Whiteside County Illinois | 1 | $ 106,000 | $ 106,000 | $ 52,000 |
| Winnebago County Illinois | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Clinton County Indiana | 1 | $ 133,000 | $ 133,000 | $ 39,000 |
| Hamilton County Indiana | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Lawrence County Indiana | 1 | $ 217,000 | $ 217,000 | $ 47,000 |
| Marion County Indiana | 1 | $ 98,000 | $ 98,000 | $ 30,000 |
| Tippecanoe County Indiana | 1 | $ 134,000 | $ 134,000 | $ 56,000 |
| Washington County Indiana | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Bremer County Iowa | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Fremont County Iowa | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
| Hancock County Iowa | 1 | $ 59,000 | $ 59,000 | $ 16,000 |
| Louisa County Iowa | 1 | $ 112,000 | $ 112,000 | $ 24,000 |
| Page County Iowa | 1 | $ 83,000 | $ 83,000 | $ 58,000 |
| Story County Iowa | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Tangipahoa County Louisiana | 1 | $ 141,000 | $ 141,000 | $ 44,000 |
| Anne Arundel County Maryland | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Wicomico County Maryland | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| Dakota County Minnesota | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Kandiyohi County Minnesota | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Lee County Mississippi | 1 | $ 124,000 | $ 124,000 | $ 34,000 |
| Boone County Missouri | 1 | $ 270,000 | $ 270,000 | $ 62,000 |
| Butler County Missouri | 1 | $ 77,000 | $ 77,000 | $ 36,000 |
| Christian County Missouri | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Dunklin County Missouri | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Lewis County Missouri | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Pettis County Missouri | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Stoddard County Missouri | 1 | $ 70,000 | $ 70,000 | $ 29,000 |
| Wheatland County Montana | 1 | $ 169,000 | $ 169,000 | $ 56,000 |
| Madison County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Williams County North Dakota | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Belmont County Ohio | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 82,000 | $ 82,000 | $ 29,000 |
| Medina County Ohio | 1 | $ 102,000 | $ 102,000 | $ 39,000 |
| Le Flore County Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Logan County Oklahoma | 1 | $ 122,000 | $ 122,000 | $ 37,000 |
| Mayes County Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 42,000 |
| Mercer County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 61,000 |
| Monroe County Pennsylvania | 1 | $ 241,000 | $ 241,000 | $ 50,000 |
| Lexington County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 44,000 |
| Hutchinson County South Dakota | 1 | $ 66,000 | $ 66,000 | $ 68,000 |
| Sully County South Dakota | 1 | $ 41,000 | $ 41,000 | $ 14,000 |
| Union County South Dakota | 1 | $ 68,000 | $ 68,000 | $ 78,000 |
| Knox County Tennessee | 1 | $ 107,000 | $ 107,000 | $ 27,000 |
| McMinn County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 113,000 |
| Bell County Texas | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Bowie County Texas | 1 | $ 134,000 | $ 134,000 | $ 52,000 |
| Hardin County Texas | 1 | $ 142,000 | $ 142,000 | $ 48,000 |
| Travis County Texas | 1 | $ 177,000 | $ 177,000 | $ 111,000 |
| Juneau County Wisconsin | 1 | $ 68,000 | $ 68,000 | $ 22,000 |
| Converse County Wyoming | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Crook County Wyoming | 1 | $ 236,000 | $ 236,000 | $ 79,000 |
| Sheridan County Wyoming | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for American Bank Of Freedom in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 299 | $41,061,000 | $137,000 | $1,100,000 | $47,000 | $891,000 |
| Refinancing | 201 | $34,511,000 | $171,000 | $1,500,000 | $26,000 | $304,000 |
| Home Improvement | 11 | $667,000 | $60,000 | $108,000 | $26,000 | $129,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 255 | $34,099,000 | $133,000 | $600,000 | $37,000 | $891,000 |
| Not applicable | 248 | $41,047,000 | $165,000 | $1,500,000 | $41,000 | $250,000 |
| Black or African American | 6 | $588,000 | $98,000 | $160,000 | $22,000 | $45,000 |
| Hispanic | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Asian | 1 | $350,000 | $350,000 | $350,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 252 | $42,616,000 | $169,000 | $1,500,000 | $37,000 | $891,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 160 | $18,456,000 | $115,000 | $343,000 | $37,000 | $86,000 |
| FHA-insured (Federal Housing Administration) | 73 | $10,794,000 | $147,000 | $276,000 | $47,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,373,000 | $168,000 | $301,000 | $37,000 | $94,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 192 | $28,193,000 | $146,000 | $373,000 | $53,000 | $250,000 |
| Loan Originated | 153 | $23,147,000 | $151,000 | $1,500,000 | $54,000 | $891,000 |
| Application Denied By Financial Institution | 87 | $12,334,000 | $141,000 | $417,000 | $11,000 | $108,000 |
| Application Withdrawn By Applicant | 59 | $9,648,000 | $163,000 | $600,000 | $0 | $28,000 |
| File Closed For Incompleteness | 16 | $2,367,000 | $147,000 | $295,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $550,000 | $137,000 | $315,000 | $74,000 | $196,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank Of Freedom's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess American Bank Of Freedom's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.