American Bank of Freedom Mortgage Lending & HMDA Data, 2015
In 2015, American Bank of Freedom of Wellsville, MO reported 1,149 mortgage applications totaling $195.4 million, up 12% from 2014. The average application was for $170,064, and applicants reported an average income of $53,428. 22% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (245), Rapid City, SD (157) and Joplin, MO (55) (applications in parentheses).
| 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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,149 |
| Total Mortgage Loan Application Amount | $195,404,000 |
| Average Mortgage Loan Application Amount | $170,064 |
| Highest Mortgage Loan Application Amount | $3,700,000 |
| Average Applicant Income | $53,428 |
| Highest Applicant Income | $524,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Bank of Freedom filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pennington, South Dakota | 131 | $ 24,851,000 | $ 189,702 | $ 78,000 |
| St. Louis, Missouri | 121 | $ 26,177,000 | $ 216,338 | $ 9,000 |
| Campbell, Wyoming | 72 | $ 14,773,000 | $ 205,180 | $ 83,000 |
| Linn, Iowa | 42 | $ 5,537,000 | $ 131,833 | $ 54,000 |
| Callaway, Missouri | 38 | $ 4,210,000 | $ 110,789 | $ 32,000 |
| Sweetwater, Wyoming | 35 | $ 7,566,000 | $ 216,171 | $ 71,000 |
| St. Charles, Missouri | 34 | $ 7,048,000 | $ 207,294 | $ 24,000 |
| Jasper, Missouri | 29 | $ 2,957,000 | $ 101,965 | $ 55,000 |
| Warren, Missouri | 29 | $ 7,407,000 | $ 255,413 | $ 31,000 |
| Newton, Missouri | 26 | $ 2,552,000 | $ 98,153 | $ 45,000 |
| St. Louis City, Missouri | 24 | $ 4,202,000 | $ 175,083 | $ 11,000 |
| Tippecanoe, Indiana | 23 | $ 2,329,000 | $ 101,260 | $ 42,000 |
| Meade, South Dakota | 22 | $ 4,082,000 | $ 185,545 | $ 75,000 |
| Marion, Missouri | 21 | $ 2,180,000 | $ 103,809 | $ 25,000 |
| Lincoln, Missouri | 20 | $ 7,408,000 | $ 370,400 | $ 67,000 |
| Montgomery, Missouri | 17 | $ 1,599,000 | $ 94,058 | $ 60,000 |
| Minnehaha, South Dakota | 17 | $ 3,075,000 | $ 180,882 | $ 71,000 |
| Muscatine, Iowa | 15 | $ 1,868,000 | $ 124,533 | $ 60,000 |
| Vernon, Missouri | 15 | $ 1,585,000 | $ 105,666 | $ 48,000 |
| Barton, Missouri | 14 | $ 1,287,000 | $ 91,928 | $ 42,000 |
| Clinton, Indiana | 13 | $ 1,277,000 | $ 98,230 | $ 57,000 |
| Yellowstone, Montana | 13 | $ 2,282,000 | $ 175,538 | $ 55,000 |
| Natrona, Wyoming | 13 | $ 2,752,000 | $ 211,692 | $ 86,000 |
| McKenzie, North Dakota | 12 | $ 3,181,000 | $ 265,083 | $ 84,000 |
| Jefferson, Missouri | 11 | $ 1,207,000 | $ 109,727 | $ 34,000 |
| Lawrence, South Dakota | 11 | $ 2,172,000 | $ 197,454 | $ 75,000 |
| Stark, North Dakota | 10 | $ 2,383,000 | $ 238,300 | $ 67,000 |
| Williams, North Dakota | 10 | $ 2,742,000 | $ 274,200 | $ 89,000 |
| Monroe, Pennsylvania | 10 | $ 2,306,000 | $ 230,600 | $ 99,000 |
| Audrain, Missouri | 9 | $ 709,000 | $ 78,777 | $ 20,000 |
| Ralls, Missouri | 9 | $ 1,279,000 | $ 142,111 | $ 22,000 |
| Anderson, Texas | 9 | $ 1,111,000 | $ 123,444 | $ 56,000 |
| Carroll, Indiana | 8 | $ 721,000 | $ 90,125 | $ 40,000 |
| McDonald, Missouri | 8 | $ 881,000 | $ 110,125 | $ 51,000 |
| Lincoln, South Dakota | 8 | $ 1,281,000 | $ 160,125 | $ 76,000 |
| Logan, Illinois | 7 | $ 523,000 | $ 74,714 | $ 33,000 |
| Crook, Wyoming | 7 | $ 1,334,000 | $ 190,571 | $ 96,000 |
| Mesa, Colorado | 6 | $ 1,467,000 | $ 244,500 | $ 86,000 |
| Montgomery, Illinois | 6 | $ 384,000 | $ 64,000 | $ 34,000 |
| McDonough, Illinois | 5 | $ 383,000 | $ 76,600 | $ 35,000 |
| Wabash, Illinois | 5 | $ 620,000 | $ 124,000 | $ 62,000 |
| Buchanan, Missouri | 5 | $ 609,000 | $ 121,800 | $ 68,000 |
| Dawson, Montana | 5 | $ 1,302,000 | $ 260,400 | $ 108,000 |
| Sublette, Wyoming | 5 | $ 1,464,000 | $ 292,800 | $ 88,000 |
| Mobile, Alabama | 4 | $ 479,000 | $ 119,750 | $ 84,000 |
| Mason, Illinois | 4 | $ 321,000 | $ 80,250 | $ 50,000 |
| Scott, Iowa | 4 | $ 664,000 | $ 166,000 | $ 65,000 |
| Barry, Missouri | 4 | $ 245,000 | $ 61,250 | $ 26,000 |
| Cedar, Missouri | 4 | $ 374,000 | $ 93,500 | $ 43,000 |
| Cheyenne, Nebraska | 4 | $ 407,000 | $ 101,750 | $ 81,000 |
| Custer, South Dakota | 4 | $ 840,000 | $ 210,000 | $ 74,000 |
| Laramie, Wyoming | 4 | $ 1,205,000 | $ 301,250 | $ 128,000 |
| Sheridan, Wyoming | 4 | $ 835,000 | $ 208,750 | $ 63,000 |
| Weston, Wyoming | 4 | $ 711,000 | $ 177,750 | $ 64,000 |
| La Plata, Colorado | 3 | $ 871,000 | $ 290,333 | $ 78,000 |
| Weld, Colorado | 3 | $ 800,000 | $ 266,666 | $ 68,000 |
| Polk, Florida | 3 | $ 296,000 | $ 98,666 | $ 36,000 |
| Macoupin, Illinois | 3 | $ 238,000 | $ 79,333 | $ 29,000 |
| Perry, Illinois | 3 | $ 244,000 | $ 81,333 | $ 46,000 |
| Sangamon, Illinois | 3 | $ 405,000 | $ 135,000 | $ 68,000 |
| Montgomery, Indiana | 3 | $ 240,000 | $ 80,000 | $ 31,000 |
| White, Indiana | 3 | $ 241,000 | $ 80,333 | $ 36,000 |
| Buchanan, Iowa | 3 | $ 361,000 | $ 120,333 | $ 41,000 |
| Franklin, Iowa | 3 | $ 259,000 | $ 86,333 | $ 52,000 |
| Polk, Iowa | 3 | $ 405,000 | $ 135,000 | $ 65,000 |
| Boone, Missouri | 3 | $ 398,000 | $ 132,666 | $ 62,000 |
| Gasconade, Missouri | 3 | $ 360,000 | $ 120,000 | $ 38,000 |
| Cascade, Montana | 3 | $ 375,000 | $ 125,000 | $ 47,000 |
| Madison, Nebraska | 3 | $ 428,000 | $ 142,666 | $ 58,000 |
| Otero, Colorado | 2 | $ 158,000 | $ 79,000 | $ 47,000 |
| Yuma, Colorado | 2 | $ 403,000 | $ 201,500 | $ 46,000 |
| Sarasota, Florida | 2 | $ 260,000 | $ 130,000 | $ 39,000 |
| Adams, Illinois | 2 | $ 382,000 | $ 191,000 | $ 105,000 |
| Christian, Illinois | 2 | $ 221,000 | $ 110,500 | $ 42,000 |
| Boone, Indiana | 2 | $ 196,000 | $ 98,000 | $ 40,000 |
| Dent, Missouri | 2 | $ 180,000 | $ 90,000 | $ 39,000 |
| Franklin, Missouri | 2 | $ 231,000 | $ 115,500 | $ 31,000 |
| Greene, Missouri | 2 | $ 263,000 | $ 131,500 | $ 80,000 |
| Lawrence, Missouri | 2 | $ 195,000 | $ 97,500 | $ 32,000 |
| Miller, Missouri | 2 | $ 254,000 | $ 127,000 | $ 31,000 |
| Taney, Missouri | 2 | $ 121,000 | $ 60,500 | $ 33,000 |
| Wells, North Dakota | 2 | $ 125,000 | $ 62,500 | $ 54,000 |
| Pike, Pennsylvania | 2 | $ 155,000 | $ 77,500 | $ 134,000 |
| Butte, South Dakota | 2 | $ 229,000 | $ 114,500 | $ 25,000 |
| McCook, South Dakota | 2 | $ 397,000 | $ 198,500 | $ 107,000 |
| Tripp, South Dakota | 2 | $ 282,000 | $ 141,000 | $ 42,000 |
| Fremont, Wyoming | 2 | $ 326,000 | $ 163,000 | $ 94,000 |
| Platte, Wyoming | 2 | $ 413,000 | $ 206,500 | $ 81,000 |
| Washakie, Wyoming | 2 | $ 264,000 | $ 132,000 | $ 35,000 |
| Baldwin, Alabama | 1 | $ 97,000 | $ 97,000 | $ 45,000 |
| Arapahoe, Colorado | 1 | $ 317,000 | $ 317,000 | $ 133,000 |
| Archuleta, Colorado | 1 | $ 128,000 | $ 128,000 | $ 36,000 |
| Hillsborough, Florida | 1 | $ 240,000 | $ 240,000 | $ 99,000 |
| Alexander, Illinois | 1 | $ 68,000 | $ 68,000 | $ 56,000 |
| Champaign, Illinois | 1 | $ 90,000 | $ 90,000 | $ 88,000 |
| DeKalb, Illinois | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Edgar, Illinois | 1 | $ 53,000 | $ 53,000 | $ 46,000 |
| Fayette, Illinois | 1 | $ 126,000 | $ 126,000 | $ 54,000 |
| Franklin, Illinois | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Fulton, Illinois | 1 | $ 84,000 | $ 84,000 | $ 44,000 |
| Hancock, Illinois | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Jo Daviess, Illinois | 1 | $ 141,000 | $ 141,000 | $ 53,000 |
| Lawrence, Illinois | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Marshall, Illinois | 1 | $ 44,000 | $ 44,000 | $ 28,000 |
| Peoria, Illinois | 1 | $ 83,000 | $ 83,000 | $ 45,000 |
| Rock Island, Illinois | 1 | $ 104,000 | $ 104,000 | $ 73,000 |
| Shelby, Illinois | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| St. Clair, Illinois | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Williamson, Illinois | 1 | $ 78,000 | $ 78,000 | $ 79,000 |
| Cass, Indiana | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
| Fountain, Indiana | 1 | $ 113,000 | $ 113,000 | $ 45,000 |
| Hamilton, Indiana | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Hendricks, Indiana | 1 | $ 74,000 | $ 74,000 | $ 22,000 |
| Lake, Indiana | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| Sullivan, Indiana | 1 | $ 61,000 | $ 61,000 | $ 41,000 |
| Black Hawk, Iowa | 1 | $ 98,000 | $ 98,000 | $ 68,000 |
| Cedar, Iowa | 1 | $ 51,000 | $ 51,000 | $ 17,000 |
| Clay, Iowa | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Des Moines, Iowa | 1 | $ 99,000 | $ 99,000 | $ 30,000 |
| Jones, Iowa | 1 | $ 113,000 | $ 113,000 | $ 76,000 |
| Kossuth, Iowa | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| O'Brien, Iowa | 1 | $ 88,000 | $ 88,000 | $ 35,000 |
| Poweshiek, Iowa | 1 | $ 172,000 | $ 172,000 | $ 77,000 |
| Winneshiek, Iowa | 1 | $ 97,000 | $ 97,000 | $ 29,000 |
| Crawford, Kansas | 1 | $ 78,000 | $ 78,000 | $ 37,000 |
| Shawnee, Kansas | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Beltrami, Minnesota | 1 | $ 172,000 | $ 172,000 | $ 50,000 |
| Carver, Minnesota | 1 | $ 256,000 | $ 256,000 | $ 93,000 |
| Dakota, Minnesota | 1 | $ 190,000 | $ 190,000 | $ 104,000 |
| Hennepin, Minnesota | 1 | $ 120,000 | $ 120,000 | $ 81,000 |
| Lincoln, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Sherburne, Minnesota | 1 | $ 323,000 | $ 323,000 | $ 144,000 |
| Todd, Minnesota | 1 | $ 133,000 | $ 133,000 | $ 55,000 |
| Adair, Missouri | 1 | $ 66,000 | $ 66,000 | $ 49,000 |
| Camden, Missouri | 1 | $ 260,000 | $ 260,000 | $ 360,000 |
| Dallas, Missouri | 1 | $ 142,000 | $ 142,000 | $ 81,000 |
| Lewis, Missouri | 1 | $ 68,000 | $ 68,000 | $ 20,000 |
| Mercer, Missouri | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Nodaway, Missouri | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Ozark, Missouri | 1 | $ 91,000 | $ 91,000 | $ 51,000 |
| Pulaski, Missouri | 1 | $ 1,459,000 | $ 1,459,000 | $ 0 |
| St. Clair, Missouri | 1 | $ 177,000 | $ 177,000 | $ 72,000 |
| Washington, Missouri | 1 | $ 82,000 | $ 82,000 | $ 17,000 |
| Webster, Missouri | 1 | $ 207,000 | $ 207,000 | $ 52,000 |
| Richland, Montana | 1 | $ 252,000 | $ 252,000 | $ 77,000 |
| Douglas, Nebraska | 1 | $ 233,000 | $ 233,000 | $ 60,000 |
| Keith, Nebraska | 1 | $ 263,000 | $ 263,000 | $ 156,000 |
| Pierce, Nebraska | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Dunn, North Dakota | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Hettinger, North Dakota | 1 | $ 187,000 | $ 187,000 | $ 117,000 |
| Richland, North Dakota | 1 | $ 113,000 | $ 113,000 | $ 67,000 |
| Davison, South Dakota | 1 | $ 180,000 | $ 180,000 | $ 85,000 |
| Fall River, South Dakota | 1 | $ 213,000 | $ 213,000 | $ 71,000 |
| Hamlin, South Dakota | 1 | $ 162,000 | $ 162,000 | $ 75,000 |
| Hughes, South Dakota | 1 | $ 342,000 | $ 342,000 | $ 84,000 |
| Turner, South Dakota | 1 | $ 68,000 | $ 68,000 | $ 28,000 |
| Fannin, Texas | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Henderson, Texas | 1 | $ 50,000 | $ 50,000 | $ 39,000 |
| Hunt, Texas | 1 | $ 71,000 | $ 71,000 | $ 35,000 |
| Big Horn, Wyoming | 1 | $ 203,000 | $ 203,000 | $ 53,000 |
| Carbon, Wyoming | 1 | $ 131,000 | $ 131,000 | $ 62,000 |
| Park, Wyoming | 1 | $ 211,000 | $ 211,000 | $ 59,000 |
| Uinta, Wyoming | 1 | $ 164,000 | $ 164,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for American Bank of Freedom in 2015
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 | 894 | $137,825,000 | $154,000 | $2,510,000 | $53,000 | $467,000 |
| Refinancing | 233 | $54,770,000 | $235,000 | $3,700,000 | $57,000 | $524,000 |
| Home Improvement | 22 | $2,809,000 | $127,000 | $330,000 | $33,000 | $204,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 961 | $169,514,000 | $176,000 | $3,700,000 | $55,000 | $524,000 |
| White | 178 | $24,299,000 | $136,000 | $1,459,000 | $45,000 | $467,000 |
| Not Provided | 4 | $441,000 | $110,000 | $265,000 | $84,000 | $191,000 |
| Asian | 3 | $772,000 | $257,000 | $342,000 | $206,000 | $285,000 |
| Hispanic | 2 | $310,000 | $155,000 | $223,000 | $10,000 | $21,000 |
| Black or African American | 1 | $68,000 | $68,000 | $68,000 | $20,000 | $20,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 464 | $95,415,000 | $205,000 | $3,700,000 | $53,000 | $524,000 |
| FHA-insured (Federal Housing Administration) | 320 | $49,221,000 | $153,000 | $322,000 | $60,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 290 | $35,514,000 | $122,000 | $376,000 | $43,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 75 | $15,254,000 | $203,000 | $414,000 | $73,000 | $191,000 |
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 | 796 | $128,240,000 | $161,000 | $417,000 | $66,000 | $524,000 |
| Loan Originated | 256 | $48,878,000 | $190,000 | $3,700,000 | $28,000 | $467,000 |
| Application Denied By Financial Institution | 51 | $8,914,000 | $174,000 | $1,459,000 | $14,000 | $87,000 |
| Application Withdrawn By Applicant | 27 | $4,530,000 | $167,000 | $750,000 | $0 | $0 |
| Application Approved But Not Accepted | 18 | $4,791,000 | $266,000 | $2,510,000 | $64,000 | $360,000 |
| File Closed For Incompleteness | 1 | $51,000 | $51,000 | $51,000 | $0 | $0 |
| 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 2015 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.
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