F & C Bank Mortgage Lending & HMDA Data, 2018
In 2018, F & C Bank of Holden, MO reported 115 mortgage applications totaling $12.0 million, down 13% from 2017. The average application was for $104,652, and applicants reported an average income of $77,495. 89% of its applications resulted in an originated loan and 9% were denied. Its largest market was Kansas City, MO-KS (17).
| 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 | 115 |
| Total Mortgage Loan Application Amount | $12,035,000 |
| Average Mortgage Loan Application Amount | $104,652 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $77,495 |
| Highest Applicant Income | $238,000 |
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Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 87 | $ 8,155,000 | $ 93,735 | $ 72,000 |
| Jackson, Missouri | 10 | $ 1,970,000 | $ 197,000 | $ 97,000 |
| Henry, Missouri | 8 | $ 510,000 | $ 63,750 | $ 89,000 |
| Cass, Missouri | 3 | $ 125,000 | $ 41,666 | $ 77,000 |
| Lafayette, Missouri | 3 | $ 525,000 | $ 175,000 | $ 81,000 |
| Benton, Missouri | 2 | $ 100,000 | $ 50,000 | $ 122,000 |
| Johnson, Kansas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Pettis, Missouri | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for F & C Bank in 2018
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 | 67 | $8,145,000 | $121,000 | $365,000 | $81,000 | $238,000 |
| Refinancing | 20 | $1,340,000 | $67,000 | $145,000 | $73,000 | $208,000 |
| Home Improvement | 15 | $815,000 | $54,000 | $125,000 | $70,000 | $120,000 |
| Cash-out Refinancing | 13 | $1,735,000 | $133,000 | $505,000 | $75,000 | $192,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 76 | $7,760,000 | $102,000 | $505,000 | $79,000 | $238,000 |
| Not applicable | 25 | $2,955,000 | $118,000 | $295,000 | $0 | $0 |
| Not Provided | 10 | $820,000 | $82,000 | $285,000 | $60,000 | $72,000 |
| American Indian or Alaskan Native | 3 | $225,000 | $75,000 | $85,000 | $69,000 | $120,000 |
| Hispanic | 1 | $275,000 | $275,000 | $275,000 | $122,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 115 | $12,035,000 | $104,000 | $505,000 | $78,000 | $238,000 |
| 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 | 102 | $11,150,000 | $109,000 | $505,000 | $83,000 | $238,000 |
| Application Denied By Financial Institution | 10 | $650,000 | $65,000 | $115,000 | $51,000 | $120,000 |
| Application Withdrawn By Applicant | 3 | $235,000 | $78,000 | $175,000 | $53,000 | $83,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 115 | $12,035,000 | $104,000 | $505,000 | $78,000 | $238,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F & C Bank's 2018 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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