F & C Bank Mortgage Lending & HMDA Data, 2009
In 2009, F & C Bank of Holden, MO reported 185 mortgage applications totaling $15.1 million, down 22% from 2008. The average application was for $81,740, and applicants reported an average income of $43,037. 70% of its applications resulted in an originated loan and 18% were denied. Its largest market was Kansas City, MO-KS (33).
| 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 | 185 |
| Total Mortgage Loan Application Amount | $15,122,000 |
| Average Mortgage Loan Application Amount | $81,740 |
| Highest Mortgage Loan Application Amount | $916,000 |
| Average Applicant Income | $43,037 |
| Highest Applicant Income | $145,000 |
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Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 88 | $9,327,000 | $105,000 | $916,000 | $40,000 | $132,000 |
| Home Purchase | 77 | $5,034,000 | $65,000 | $263,000 | $46,000 | $145,000 |
| Home Improvement | 20 | $761,000 | $38,000 | $137,000 | $45,000 | $113,000 |
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 | 160 | $12,307,000 | $76,000 | $377,000 | $47,000 | $145,000 |
| Not applicable | 14 | $2,234,000 | $159,000 | $916,000 | $6,000 | $87,000 |
| American Indian or Alaskan Native | 6 | $221,000 | $36,000 | $90,000 | $47,000 | $105,000 |
| Asian | 2 | $171,000 | $85,000 | $96,000 | $35,000 | $71,000 |
| Black or African American | 1 | $89,000 | $89,000 | $89,000 | $23,000 | $23,000 |
| Hispanic | 1 | $38,000 | $38,000 | $38,000 | $0 | $0 |
| Not Provided | 1 | $62,000 | $62,000 | $62,000 | $17,000 | $17,000 |
| 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) | 184 | $15,017,000 | $81,000 | $916,000 | $43,000 | $145,000 |
| FHA-insured (Federal Housing Administration) | 1 | $105,000 | $105,000 | $105,000 | $67,000 | $67,000 |
| 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 | 130 | $10,204,000 | $78,000 | $916,000 | $41,000 | $145,000 |
| Application Denied By Financial Institution | 33 | $3,139,000 | $95,000 | $304,000 | $43,000 | $119,000 |
| Application Approved But Not Accepted | 15 | $1,357,000 | $90,000 | $263,000 | $65,000 | $141,000 |
| Application Withdrawn By Applicant | 7 | $422,000 | $60,000 | $90,000 | $30,000 | $71,000 |
| 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 | 14 | $1,671,000 | $119,000 | $304,000 | $54,000 | $119,000 |
| Credit History | 10 | $674,000 | $67,000 | $156,000 | $28,000 | $67,000 |
| Collateral | 3 | $410,000 | $136,000 | $200,000 | $68,000 | $77,000 |
| Employment History | 2 | $170,000 | $85,000 | $140,000 | $41,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $128,000 | $64,000 | $88,000 | $18,000 | $36,000 |
| Other | 1 | $38,000 | $38,000 | $38,000 | $44,000 | $44,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F & C Bank's 2009 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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