F & C Bank Mortgage Lending & HMDA Data, 2013
In 2013, F & C Bank of Holden, MO reported 151 mortgage applications totaling $13.9 million, up 1% from 2012. The average application was for $92,086, and applicants reported an average income of $48,430. 77% of its applications resulted in an originated loan and 19% were denied. Its largest market was Kansas City, MO-KS (40).
| 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 | 151 |
| Total Mortgage Loan Application Amount | $13,905,000 |
| Average Mortgage Loan Application Amount | $92,086 |
| Highest Mortgage Loan Application Amount | $504,000 |
| Average Applicant Income | $48,430 |
| Highest Applicant Income | $350,000 |
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Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 100 | $ 8,418,000 | $ 84,180 | $ 52,000 |
| Jackson, Missouri | 26 | $ 2,646,000 | $ 101,769 | $ 50,000 |
| Cass, Missouri | 12 | $ 1,516,000 | $ 126,333 | $ 44,000 |
| Henry, Missouri | 9 | $ 1,040,000 | $ 115,555 | $ 18,000 |
| Lafayette, Missouri | 2 | $ 160,000 | $ 80,000 | $ 57,000 |
| Hickory, Missouri | 1 | $ 44,000 | $ 44,000 | $ 0 |
| St. Clair, Missouri | 1 | $ 81,000 | $ 81,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for F & C Bank in 2013
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 | 69 | $6,301,000 | $91,000 | $304,000 | $44,000 | $139,000 |
| Refinancing | 69 | $6,642,000 | $96,000 | $504,000 | $52,000 | $350,000 |
| Home Improvement | 13 | $962,000 | $74,000 | $224,000 | $53,000 | $132,000 |
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 | 125 | $11,871,000 | $94,000 | $504,000 | $55,000 | $350,000 |
| Not applicable | 15 | $1,159,000 | $77,000 | $187,000 | $3,000 | $48,000 |
| Not Provided | 11 | $875,000 | $79,000 | $304,000 | $45,000 | $139,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 149 | $13,787,000 | $92,000 | $504,000 | $49,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 2 | $118,000 | $59,000 | $70,000 | $31,000 | $33,000 |
| 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 | 116 | $10,722,000 | $92,000 | $504,000 | $49,000 | $350,000 |
| Application Denied By Financial Institution | 29 | $2,689,000 | $92,000 | $200,000 | $46,000 | $87,000 |
| Application Approved But Not Accepted | 3 | $336,000 | $112,000 | $180,000 | $86,000 | $115,000 |
| Application Withdrawn By Applicant | 2 | $43,000 | $21,000 | $30,000 | $37,000 | $50,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $54,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 F & C Bank's 2013 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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