F & C Bank Mortgage Lending & HMDA Data, 2025
In 2025, F & C Bank of Holden, MO reported 200 mortgage applications totaling $40.4 million, up 4% from 2024. The average application was for $201,850, and applicants reported an average income of $105,300. 92% of its applications resulted in an originated loan and 2% were denied. Its largest market was Kansas City, MO-KS (46).
| 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 | 200 |
| Total Mortgage Loan Application Amount | $40,370,000 |
| Average Mortgage Loan Application Amount | $201,850 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $105,300 |
| Highest Applicant Income | $366,000 |
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Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 154 | $ 31,020,000 | $ 201,428 | $ 106,000 |
| Kansas City, MO-KS | 46 | $ 9,350,000 | $ 203,260 | $ 93,000 |
Mortgage Loan Application Detail Totals for F & C Bank in 2025
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 | 124 | $27,970,000 | $225,000 | $975,000 | $112,000 | $366,000 |
| Refinancing | 61 | $11,005,000 | $180,000 | $565,000 | $102,000 | $252,000 |
| Home Improvement | 10 | $920,000 | $92,000 | $165,000 | $66,000 | $107,000 |
| Other Purpose | 5 | $475,000 | $95,000 | $285,000 | $58,000 | $116,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 115 | $22,935,000 | $199,000 | $565,000 | $103,000 | $366,000 |
| Not applicable | 79 | $16,285,000 | $206,000 | $975,000 | $0 | $0 |
| Not Provided | 5 | $965,000 | $193,000 | $365,000 | $127,000 | $351,000 |
| Hispanic | 1 | $185,000 | $185,000 | $185,000 | $69,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 200 | $40,370,000 | $201,000 | $975,000 | $103,000 | $366,000 |
| 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 | 183 | $36,205,000 | $197,000 | $975,000 | $104,000 | $366,000 |
| Application Approved But Not Accepted | 10 | $2,250,000 | $225,000 | $465,000 | $118,000 | $216,000 |
| Application Withdrawn By Applicant | 4 | $980,000 | $245,000 | $465,000 | $94,000 | $155,000 |
| Application Denied By Financial Institution | 3 | $935,000 | $311,000 | $505,000 | $43,000 | $90,000 |
| File Closed For Incompleteness | 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 | 200 | $40,370,000 | $201,000 | $975,000 | $103,000 | $366,000 |
| 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 2025 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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