F & C Bank Mortgage Lending & HMDA Data, 2016
In 2016, F & C Bank of Holden, MO reported 127 mortgage applications totaling $16.1 million, up 8% from 2015. The average application was for $126,614, and applicants reported an average income of $67,000. 77% of its applications resulted in an originated loan and 17% 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 | 127 |
| Total Mortgage Loan Application Amount | $16,080,000 |
| Average Mortgage Loan Application Amount | $126,614 |
| Highest Mortgage Loan Application Amount | $1,112,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $514,000 |
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Act (HMDA) records F & C Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 64 | $6,345,000 | $99,000 | $1,112,000 | $59,000 | $514,000 |
| Refinancing | 53 | $8,857,000 | $167,000 | $460,000 | $81,000 | $364,000 |
| Home Improvement | 10 | $878,000 | $87,000 | $236,000 | $44,000 | $172,000 |
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 | 101 | $13,089,000 | $129,000 | $1,112,000 | $75,000 | $514,000 |
| Not Provided | 12 | $987,000 | $82,000 | $175,000 | $53,000 | $119,000 |
| Not applicable | 11 | $1,578,000 | $143,000 | $460,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $82,000 | $82,000 | $82,000 | $95,000 | $95,000 |
| Asian | 1 | $232,000 | $232,000 | $232,000 | $111,000 | $111,000 |
| Hispanic | 1 | $112,000 | $112,000 | $112,000 | $56,000 | $56,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 127 | $16,080,000 | $126,000 | $1,112,000 | $67,000 | $514,000 |
| 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 | 98 | $13,211,000 | $134,000 | $1,112,000 | $66,000 | $514,000 |
| Application Denied By Financial Institution | 21 | $1,899,000 | $90,000 | $263,000 | $55,000 | $160,000 |
| Application Withdrawn By Applicant | 4 | $553,000 | $138,000 | $185,000 | $140,000 | $364,000 |
| Application Approved But Not Accepted | 4 | $417,000 | $104,000 | $155,000 | $81,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F & C Bank's 2016 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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