F & C Bank Mortgage Lending & HMDA Data, 2007
In 2007, F & C Bank of Holden, MO reported 144 mortgage applications totaling $11.6 million, down 28% from 2006. The average application was for $80,840, and applicants reported an average income of $42,638. 81% of its applications resulted in an originated loan and 12% were denied. Its largest market was Kansas City, MO-KS (21).
| 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 | 144 |
| Total Mortgage Loan Application Amount | $11,641,000 |
| Average Mortgage Loan Application Amount | $80,840 |
| Highest Mortgage Loan Application Amount | $386,000 |
| Average Applicant Income | $42,638 |
| Highest Applicant Income | $173,000 |
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Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for F & C Bank in 2007
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 | 63 | $4,403,000 | $69,000 | $260,000 | $42,000 | $123,000 |
| Refinancing | 58 | $6,079,000 | $104,000 | $386,000 | $42,000 | $173,000 |
| Home Improvement | 23 | $1,159,000 | $50,000 | $370,000 | $46,000 | $102,000 |
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 | 137 | $11,349,000 | $82,000 | $386,000 | $44,000 | $173,000 |
| Not applicable | 2 | $69,000 | $34,000 | $51,000 | $0 | $0 |
| Not Provided | 2 | $122,000 | $61,000 | $100,000 | $25,000 | $36,000 |
| American Indian or Alaskan Native | 2 | $71,000 | $35,000 | $46,000 | $18,000 | $19,000 |
| Black or African American | 1 | $30,000 | $30,000 | $30,000 | $21,000 | $21,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 144 | $11,641,000 | $80,000 | $386,000 | $42,000 | $173,000 |
| 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 | 116 | $9,443,000 | $81,000 | $386,000 | $42,000 | $173,000 |
| Application Denied By Financial Institution | 18 | $1,221,000 | $67,000 | $329,000 | $43,000 | $130,000 |
| Application Approved But Not Accepted | 7 | $665,000 | $95,000 | $244,000 | $44,000 | $80,000 |
| Application Withdrawn By Applicant | 3 | $312,000 | $104,000 | $112,000 | $38,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 12 | $708,000 | $59,000 | $120,000 | $41,000 | $78,000 |
| Debt-To-Income Ratio | 4 | $387,000 | $96,000 | $329,000 | $43,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $61,000 | $61,000 | $61,000 | $79,000 | $79,000 |
| 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 2007 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.
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