F & C Bank Mortgage Lending & HMDA Data, 2019
In 2019, F & C Bank of Holden, MO reported 134 mortgage applications totaling $23.3 million, up 17% from 2018. The average application was for $173,731, and applicants reported an average income of $84,300. 86% of its applications resulted in an originated loan and 8% were denied. Its largest market was Kansas City, MO-KS (26).
| 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 | 134 |
| Total Mortgage Loan Application Amount | $23,280,000 |
| Average Mortgage Loan Application Amount | $173,731 |
| Highest Mortgage Loan Application Amount | $2,145,000 |
| Average Applicant Income | $84,300 |
| Highest Applicant Income | $321,000 |
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Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 108 | $ 17,550,000 | $ 162,500 | $ 80,000 |
| Kansas City, MO-KS | 26 | $ 5,730,000 | $ 220,384 | $ 106,000 |
Mortgage Loan Application Detail Totals for F & C Bank in 2019
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 | 82 | $13,690,000 | $166,000 | $1,145,000 | $90,000 | $321,000 |
| Refinancing | 29 | $7,435,000 | $256,000 | $2,145,000 | $77,000 | $145,000 |
| Cash-out Refinancing | 17 | $1,905,000 | $112,000 | $275,000 | $77,000 | $144,000 |
| Home Improvement | 5 | $205,000 | $41,000 | $75,000 | $58,000 | $85,000 |
| Other Purpose | 1 | $45,000 | $45,000 | $45,000 | $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 | 84 | $11,670,000 | $138,000 | $715,000 | $84,000 | $321,000 |
| Not applicable | 38 | $10,300,000 | $271,000 | $2,145,000 | $0 | $0 |
| Not Provided | 10 | $920,000 | $92,000 | $285,000 | $76,000 | $131,000 |
| Asian | 1 | $275,000 | $275,000 | $275,000 | $144,000 | $144,000 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $32,000 | $32,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 134 | $23,280,000 | $173,000 | $2,145,000 | $83,000 | $321,000 |
| 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 | 115 | $19,785,000 | $172,000 | $2,145,000 | $84,000 | $321,000 |
| Application Denied By Financial Institution | 11 | $1,565,000 | $142,000 | $385,000 | $82,000 | $140,000 |
| Application Withdrawn By Applicant | 5 | $1,125,000 | $225,000 | $395,000 | $79,000 | $119,000 |
| Application Approved But Not Accepted | 3 | $805,000 | $268,000 | $715,000 | $73,000 | $92,000 |
| 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 | 134 | $23,280,000 | $173,000 | $2,145,000 | $83,000 | $321,000 |
| 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 2019 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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