F & C Bank Mortgage Lending & HMDA Data, 2008
In 2008, F & C Bank of Holden, MO reported 236 mortgage applications totaling $19.2 million, up 64% from 2007. The average application was for $81,207, and applicants reported an average income of $40,067. 85% of its applications resulted in an originated loan and 7% were denied. Its largest market was Kansas City, MO-KS (37).
| Mortgage Company & Address | F & C Bank P.O. Box 157 Holden, MO 64040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 236 |
| Total Mortgage Loan Application Amount | $19,165,000 |
| Average Mortgage Loan Application Amount | $81,207 |
| Highest Mortgage Loan Application Amount | $383,000 |
| Average Applicant Income | $40,067 |
| Highest Applicant Income | $203,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Johnson, Missouri | 184 | $ 15,077,000 | $ 81,940 | $ 37,000 |
| Jackson, Missouri | 19 | $ 1,732,000 | $ 91,157 | $ 50,000 |
| Cass, Missouri | 14 | $ 1,366,000 | $ 97,571 | $ 66,000 |
| Henry, Missouri | 8 | $ 564,000 | $ 70,500 | $ 20,000 |
| Pettis, Missouri | 4 | $ 105,000 | $ 26,250 | $ 53,000 |
| Lafayette, Missouri | 3 | $ 206,000 | $ 68,666 | $ 59,000 |
| Camden, Missouri | 2 | $ 46,000 | $ 23,000 | $ 80,000 |
| Ray, Missouri | 1 | $ 12,000 | $ 12,000 | $ 0 |
| St. Clair, Missouri | 1 | $ 57,000 | $ 57,000 | $ 0 |
Mortgage Loan Application Detail Totals for F & C Bank in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 109 | $9,369,000 | $85,000 | $383,000 | $38,000 | $161,000 |
| Home Purchase | 88 | $7,045,000 | $80,000 | $288,000 | $40,000 | $203,000 |
| Home Improvement | 39 | $2,751,000 | $70,000 | $240,000 | $46,000 | $144,000 |
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 | 210 | $16,888,000 | $80,000 | $383,000 | $44,000 | $203,000 |
| Not applicable | 22 | $1,969,000 | $89,000 | $313,000 | $1,000 | $29,000 |
| American Indian or Alaskan Native | 2 | $203,000 | $101,000 | $132,000 | $50,000 | $101,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $23,000 | $23,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 236 | $19,165,000 | $81,000 | $383,000 | $40,000 | $203,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Originated | 200 | $16,052,000 | $80,000 | $383,000 | $37,000 | $161,000 |
| Application Denied By Financial Institution | 17 | $1,345,000 | $79,000 | $180,000 | $48,000 | $84,000 |
| Application Approved But Not Accepted | 15 | $1,380,000 | $92,000 | $288,000 | $71,000 | $203,000 |
| Application Withdrawn By Applicant | 2 | $173,000 | $86,000 | $140,000 | $62,000 | $62,000 |
| File Closed For Incompleteness | 2 | $215,000 | $107,000 | $175,000 | $44,000 | $58,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $769,000 | $69,000 | $128,000 | $55,000 | $84,000 |
| Debt-To-Income Ratio | 3 | $287,000 | $95,000 | $160,000 | $36,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $289,000 | $96,000 | $180,000 | $31,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F & C Bank's 2008 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 F & C Bank'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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