American Bank Of Freedom
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
American Bank Of Freedom 2016 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 | 1,144 |
| Total Mortgage Loan Application Amount | $197,523,000 |
| Average Mortgage Loan Application Amount | $194,666 |
| Highest Mortgage Loan Application Amount | $8,469,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $427,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pennington County South Dakota | 138 | $ 25,885,000 | $ 187,000 | $ 80,000 |
| St. Louis County Missouri | 108 | $ 21,588,000 | $ 199,000 | $ 21,000 |
| Campbell County Wyoming | 73 | $ 15,148,000 | $ 207,000 | $ 82,000 |
| Laramie County Wyoming | 58 | $ 13,498,000 | $ 232,000 | $ 74,000 |
| Linn County Iowa | 44 | $ 5,783,000 | $ 131,000 | $ 59,000 |
| Meade County South Dakota | 44 | $ 8,739,000 | $ 198,000 | $ 74,000 |
| Callaway County Missouri | 41 | $ 5,075,000 | $ 123,000 | $ 37,000 |
| St. Charles County Missouri | 40 | $ 8,780,000 | $ 219,000 | $ 7,000 |
| Tippecanoe County Indiana | 39 | $ 4,975,000 | $ 127,000 | $ 46,000 |
| St. Louis City County Missouri | 37 | $ 4,417,000 | $ 119,000 | $ 6,000 |
| Warren County Missouri | 31 | $ 4,667,000 | $ 150,000 | $ 25,000 |
| Newton County Missouri | 30 | $ 2,915,000 | $ 97,000 | $ 47,000 |
| Jasper County Missouri | 28 | $ 3,400,000 | $ 121,000 | $ 48,000 |
| Marion County Missouri | 27 | $ 2,772,000 | $ 102,000 | $ 34,000 |
| Sweetwater County Wyoming | 26 | $ 5,505,000 | $ 211,000 | $ 80,000 |
| Lincoln County Missouri | 15 | $ 1,802,000 | $ 120,000 | $ 18,000 |
| Montgomery County Missouri | 15 | $ 921,000 | $ 61,000 | $ 24,000 |
| Vernon County Missouri | 14 | $ 1,415,000 | $ 101,000 | $ 41,000 |
| Custer County South Dakota | 13 | $ 2,619,000 | $ 201,000 | $ 85,000 |
| Barton County Missouri | 12 | $ 1,137,000 | $ 94,000 | $ 41,000 |
| Ralls County Missouri | 12 | $ 1,263,000 | $ 105,000 | $ 26,000 |
| Stark County North Dakota | 12 | $ 2,257,000 | $ 188,000 | $ 87,000 |
| Natrona County Wyoming | 12 | $ 1,970,000 | $ 164,000 | $ 46,000 |
| McDonald County Missouri | 11 | $ 1,135,000 | $ 103,000 | $ 45,000 |
| Cheyenne County Nebraska | 11 | $ 1,654,000 | $ 150,000 | $ 78,000 |
| Minnehaha County South Dakota | 10 | $ 1,541,000 | $ 154,000 | $ 69,000 |
| Carroll County Indiana | 9 | $ 955,000 | $ 106,000 | $ 42,000 |
| Clinton County Indiana | 9 | $ 980,000 | $ 108,000 | $ 50,000 |
| Lawrence County South Dakota | 9 | $ 1,669,000 | $ 185,000 | $ 95,000 |
| White County Indiana | 8 | $ 919,000 | $ 114,000 | $ 45,000 |
| Monroe County Pennsylvania | 8 | $ 1,842,000 | $ 230,000 | $ 100,000 |
| Audrain County Missouri | 7 | $ 571,000 | $ 81,000 | $ 33,000 |
| Williams County North Dakota | 7 | $ 1,585,000 | $ 226,000 | $ 106,000 |
| Mesa County Colorado | 6 | $ 1,084,000 | $ 180,000 | $ 87,000 |
| Lincoln County South Dakota | 6 | $ 1,502,000 | $ 250,000 | $ 90,000 |
| Benton County Iowa | 5 | $ 498,000 | $ 99,000 | $ 39,000 |
| Converse County Wyoming | 5 | $ 1,050,000 | $ 210,000 | $ 88,000 |
| Washakie County Wyoming | 5 | $ 1,076,000 | $ 215,000 | $ 168,000 |
| Weston County Wyoming | 5 | $ 751,000 | $ 150,000 | $ 64,000 |
| Cedar County Missouri | 4 | $ 358,000 | $ 89,000 | $ 54,000 |
| Gentry County Missouri | 4 | $ 482,000 | $ 120,000 | $ 43,000 |
| Marion County Indiana | 3 | $ 388,000 | $ 129,000 | $ 52,000 |
| Crawford County Kansas | 3 | $ 397,000 | $ 132,000 | $ 68,000 |
| Jefferson County Missouri | 3 | $ 462,000 | $ 154,000 | $ 0 |
| Stone County Missouri | 3 | $ 304,000 | $ 101,000 | $ 53,000 |
| Webster County Missouri | 3 | $ 318,000 | $ 106,000 | $ 68,000 |
| Dawson County Montana | 3 | $ 537,000 | $ 179,000 | $ 77,000 |
| Denton County Texas | 3 | $ 461,000 | $ 153,000 | $ 51,000 |
| Crook County Wyoming | 3 | $ 536,000 | $ 178,000 | $ 82,000 |
| Sheridan County Wyoming | 3 | $ 770,000 | $ 256,000 | $ 65,000 |
| Sublette County Wyoming | 3 | $ 545,000 | $ 181,000 | $ 76,000 |
| Adams County Colorado | 2 | $ 619,000 | $ 309,000 | $ 91,000 |
| Teller County Colorado | 2 | $ 488,000 | $ 244,000 | $ 69,000 |
| Weld County Colorado | 2 | $ 560,000 | $ 280,000 | $ 126,000 |
| Muscatine County Iowa | 2 | $ 183,000 | $ 91,000 | $ 42,000 |
| Tama County Iowa | 2 | $ 216,000 | $ 108,000 | $ 64,000 |
| Washtenaw County Michigan | 2 | $ 822,000 | $ 411,000 | $ 60,000 |
| Barry County Missouri | 2 | $ 162,000 | $ 81,000 | $ 38,000 |
| Camden County Missouri | 2 | $ 197,000 | $ 98,000 | $ 58,000 |
| Franklin County Missouri | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Gasconade County Missouri | 2 | $ 189,000 | $ 94,000 | $ 50,000 |
| Howard County Missouri | 2 | $ 312,000 | $ 156,000 | $ 32,000 |
| Lawrence County Missouri | 2 | $ 205,000 | $ 102,000 | $ 39,000 |
| Polk County Missouri | 2 | $ 266,000 | $ 133,000 | $ 47,000 |
| McKenzie County North Dakota | 2 | $ 396,000 | $ 198,000 | $ 96,000 |
| Fall River County South Dakota | 2 | $ 307,000 | $ 153,000 | $ 160,000 |
| Collin County Texas | 2 | $ 316,000 | $ 158,000 | $ 57,000 |
| Waupaca County Wisconsin | 2 | $ 307,000 | $ 153,000 | $ 46,000 |
| Johnson County Wyoming | 2 | $ 553,000 | $ 276,000 | $ 73,000 |
| Teton County Wyoming | 2 | $ 535,000 | $ 267,000 | $ 261,000 |
| Garfield County Colorado | 1 | $ 299,000 | $ 299,000 | $ 139,000 |
| Larimer County Colorado | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Yuma County Colorado | 1 | $ 237,000 | $ 237,000 | $ 57,000 |
| Jefferson County Florida | 1 | $ 117,000 | $ 117,000 | $ 46,000 |
| DuPage County Illinois | 1 | $ 227,000 | $ 227,000 | $ 56,000 |
| Madison County Illinois | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Montgomery County Illinois | 1 | $ 161,000 | $ 161,000 | $ 95,000 |
| Moultrie County Illinois | 1 | $ 62,000 | $ 62,000 | $ 32,000 |
| Peoria County Illinois | 1 | $ 56,000 | $ 56,000 | $ 26,000 |
| Perry County Illinois | 1 | $ 86,000 | $ 86,000 | $ 52,000 |
| Benton County Indiana | 1 | $ 88,000 | $ 88,000 | $ 35,000 |
| Boone County Indiana | 1 | $ 77,000 | $ 77,000 | $ 40,000 |
| Cass County Indiana | 1 | $ 44,000 | $ 44,000 | $ 26,000 |
| Hamilton County Indiana | 1 | $ 97,000 | $ 97,000 | $ 43,000 |
| Montgomery County Indiana | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Owen County Indiana | 1 | $ 41,000 | $ 41,000 | $ 14,000 |
| Pulaski County Indiana | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Black Hawk County Iowa | 1 | $ 101,000 | $ 101,000 | $ 56,000 |
| Cass County Iowa | 1 | $ 172,000 | $ 172,000 | $ 39,000 |
| Delaware County Iowa | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Des Moines County Iowa | 1 | $ 57,000 | $ 57,000 | $ 30,000 |
| Fayette County Iowa | 1 | $ 57,000 | $ 57,000 | $ 47,000 |
| Franklin County Iowa | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Iowa County Iowa | 1 | $ 248,000 | $ 248,000 | $ 111,000 |
| Johnson County Iowa | 1 | $ 253,000 | $ 253,000 | $ 63,000 |
| Louisa County Iowa | 1 | $ 156,000 | $ 156,000 | $ 67,000 |
| Page County Iowa | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Pottawattamie County Iowa | 1 | $ 108,000 | $ 108,000 | $ 29,000 |
| Scott County Iowa | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Cherokee County Kansas | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Lincoln County Minnesota | 1 | $ 228,000 | $ 228,000 | $ 167,000 |
| Nobles County Minnesota | 1 | $ 114,000 | $ 114,000 | $ 52,000 |
| Renville County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 71,000 |
| Christian County Missouri | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Cole County Missouri | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Henry County Missouri | 1 | $ 196,000 | $ 196,000 | $ 86,000 |
| Jackson County Missouri | 1 | $ 157,000 | $ 157,000 | $ 45,000 |
| Madison County Missouri | 1 | $ 237,000 | $ 237,000 | $ 58,000 |
| Moniteau County Missouri | 1 | $ 97,000 | $ 97,000 | $ 31,000 |
| Osage County Missouri | 1 | $ 84,000 | $ 84,000 | $ 34,000 |
| Pettis County Missouri | 1 | $ 8,469,000 | $ 8,469,000 | $ 0 |
| Pike County Missouri | 1 | $ 109,000 | $ 109,000 | $ 55,000 |
| Pulaski County Missouri | 1 | $ 87,000 | $ 87,000 | $ 0 |
| St. Clair County Missouri | 1 | $ 152,000 | $ 152,000 | $ 32,000 |
| Taney County Missouri | 1 | $ 92,000 | $ 92,000 | $ 84,000 |
| Blaine County Montana | 1 | $ 162,000 | $ 162,000 | $ 107,000 |
| Prairie County Montana | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Valley County Montana | 1 | $ 234,000 | $ 234,000 | $ 160,000 |
| Buffalo County Nebraska | 1 | $ 206,000 | $ 206,000 | $ 83,000 |
| Deuel County Nebraska | 1 | $ 97,000 | $ 97,000 | $ 85,000 |
| Lancaster County Nebraska | 1 | $ 150,000 | $ 150,000 | $ 53,000 |
| Phelps County Nebraska | 1 | $ 150,000 | $ 150,000 | $ 92,000 |
| Cass County North Dakota | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Morton County North Dakota | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Steele County North Dakota | 1 | $ 173,000 | $ 173,000 | $ 76,000 |
| Pike County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 58,000 |
| Bennett County South Dakota | 1 | $ 177,000 | $ 177,000 | $ 40,000 |
| Brookings County South Dakota | 1 | $ 180,000 | $ 180,000 | $ 47,000 |
| Butte County South Dakota | 1 | $ 223,000 | $ 223,000 | $ 73,000 |
| Clay County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Davison County South Dakota | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Deuel County South Dakota | 1 | $ 191,000 | $ 191,000 | $ 54,000 |
| Jackson County South Dakota | 1 | $ 78,000 | $ 78,000 | $ 92,000 |
| Jerauld County South Dakota | 1 | $ 238,000 | $ 238,000 | $ 76,000 |
| McCook County South Dakota | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Moody County South Dakota | 1 | $ 217,000 | $ 217,000 | $ 60,000 |
| Tripp County South Dakota | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Brazoria County Texas | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Camp County Texas | 1 | $ 123,000 | $ 123,000 | $ 54,000 |
| Dallas County Texas | 1 | $ 133,000 | $ 133,000 | $ 36,000 |
| Ellis County Texas | 1 | $ 276,000 | $ 276,000 | $ 179,000 |
| Grayson County Texas | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Lee County Texas | 1 | $ 195,000 | $ 195,000 | $ 43,000 |
| Smith County Texas | 1 | $ 108,000 | $ 108,000 | $ 43,000 |
| Fremont County Wyoming | 1 | $ 398,000 | $ 398,000 | $ 296,000 |
| Park County Wyoming | 1 | $ 268,000 | $ 268,000 | $ 90,000 |
| Platte County Wyoming | 1 | $ 92,000 | $ 92,000 | $ 58,000 |
| Uinta County Wyoming | 1 | $ 228,000 | $ 228,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for American Bank Of Freedom in 2016
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 | 851 | $137,334,000 | $161,000 | $1,630,000 | $53,000 | $417,000 |
| Refinancing | 265 | $54,014,000 | $203,000 | $8,469,000 | $61,000 | $427,000 |
| Home Improvement | 28 | $6,175,000 | $220,000 | $2,100,000 | $48,000 | $405,000 |
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 | 962 | $174,021,000 | $180,000 | $8,469,000 | $57,000 | $427,000 |
| White | 175 | $22,831,000 | $130,000 | $600,000 | $44,000 | $351,000 |
| Black or African American | 4 | $370,000 | $92,000 | $175,000 | $30,000 | $57,000 |
| Hispanic | 2 | $153,000 | $76,000 | $87,000 | $22,000 | $44,000 |
| Asian | 1 | $148,000 | $148,000 | $148,000 | $66,000 | $66,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 526 | $103,369,000 | $196,000 | $8,469,000 | $55,000 | $427,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 260 | $33,588,000 | $129,000 | $375,000 | $45,000 | $103,000 |
| FHA-insured (Federal Housing Administration) | 256 | $38,825,000 | $151,000 | $303,000 | $59,000 | $417,000 |
| VA-guaranteed (Veterans Administration) | 102 | $21,741,000 | $213,000 | $417,000 | $68,000 | $172,000 |
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 | 787 | $133,709,000 | $169,000 | $417,000 | $70,000 | $427,000 |
| Loan Originated | 272 | $51,003,000 | $187,000 | $8,469,000 | $25,000 | $351,000 |
| Application Denied By Financial Institution | 47 | $5,767,000 | $122,000 | $433,000 | $24,000 | $142,000 |
| Application Withdrawn By Applicant | 28 | $5,839,000 | $208,000 | $870,000 | $0 | $0 |
| Application Approved But Not Accepted | 8 | $1,063,000 | $132,000 | $270,000 | $5,000 | $44,000 |
| File Closed For Incompleteness | 2 | $142,000 | $71,000 | $83,000 | $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 2016 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.