F & M Bank and Trust Co Mortgage Lending & HMDA Data, 2010
In 2010, F & M Bank and Trust Co of Hannibal, MO reported 1,628 mortgage applications totaling $286.1 million, up 188% from 2009. The average application was for $175,706, and applicants reported an average income of $102,375. 69% of its applications resulted in an originated loan and 8% were denied. Its largest markets were St. Louis, MO-IL (1,116), Springfield, MO (64) and Columbia, MO (9) (applications in parentheses).
| Mortgage Company & Address | F & M Bank and Trust Co 505 Broadway Hannibal, MO 63401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,628 |
| Total Mortgage Loan Application Amount | $286,050,000 |
| Average Mortgage Loan Application Amount | $175,706 |
| Highest Mortgage Loan Application Amount | $890,000 |
| Average Applicant Income | $102,375 |
| Highest Applicant Income | $662,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records F & M Bank and Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Louis, MO-IL | 1,116 | $ 228,018,000 | $ 204,317 | $ 113,855 |
| Springfield, MO | 64 | $ 9,296,000 | $ 145,250 | $ 66,000 |
| Columbia, MO | 9 | $ 1,560,000 | $ 173,333 | $ 99,000 |
| Kansas City, MO-KS | 9 | $ 1,336,000 | $ 148,444 | $ 114,000 |
| Cape Girardeau-Jackson, MO-IL | 6 | $ 1,004,000 | $ 167,333 | $ 102,000 |
| Naples-Marco Island, FL | 6 | $ 898,000 | $ 149,666 | $ 124,000 |
| Chicago-Joliet-Naperville, IL | 5 | $ 1,425,000 | $ 285,000 | $ 231,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 861,000 | $ 172,200 | $ 173,000 |
| Bloomington-Normal, IL | 3 | $ 429,000 | $ 143,000 | $ 87,000 |
| Dallas-Plano-Irving, TX | 3 | $ 567,000 | $ 189,000 | $ 93,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 1,056,000 | $ 352,000 | $ 224,000 |
| Fort Worth-Arlington, TX | 2 | $ 348,000 | $ 174,000 | $ 66,000 |
| Indianapolis-Carmel, IN | 2 | $ 540,000 | $ 270,000 | $ 276,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 528,000 | $ 264,000 | $ 455,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 200,000 | $ 100,000 | $ 144,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 157,000 | $ 157,000 | $ 251,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 236,000 | $ 236,000 | $ 70,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 227,000 | $ 227,000 | $ 77,000 |
| Jefferson City, MO | 1 | $ 149,000 | $ 149,000 | $ 56,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 214,000 | $ 214,000 | $ 95,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 211,000 | $ 211,000 | $ 110,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 44,000 | $ 44,000 | $ 238,000 |
Mortgage Loan Application Detail Totals for F & M Bank and Trust Co in 2010
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 | 1,205 | $225,919,000 | $187,000 | $890,000 | $108,000 | $662,000 |
| Home Purchase | 395 | $59,428,000 | $150,000 | $806,000 | $89,000 | $639,000 |
| Home Improvement | 28 | $703,000 | $25,000 | $153,000 | $49,000 | $206,000 |
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 | 1,506 | $263,844,000 | $175,000 | $890,000 | $103,000 | $662,000 |
| Asian | 40 | $9,274,000 | $231,000 | $704,000 | $117,000 | $291,000 |
| Black or African American | 37 | $5,084,000 | $137,000 | $854,000 | $67,000 | $308,000 |
| Hispanic | 20 | $3,709,000 | $185,000 | $410,000 | $136,000 | $483,000 |
| Not Provided | 20 | $3,646,000 | $182,000 | $420,000 | $66,000 | $198,000 |
| Not applicable | 4 | $358,000 | $89,000 | $208,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $69,000 | $69,000 |
| 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) | 1,359 | $243,269,000 | $179,000 | $890,000 | $111,000 | $662,000 |
| FHA-insured (Federal Housing Administration) | 245 | $38,700,000 | $157,000 | $319,000 | $58,000 | $423,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,739,000 | $186,000 | $365,000 | $59,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $342,000 | $85,000 | $147,000 | $32,000 | $66,000 |
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 | 1,122 | $208,825,000 | $186,000 | $806,000 | $113,000 | $639,000 |
| Application Withdrawn By Applicant | 312 | $54,591,000 | $174,000 | $854,000 | $83,000 | $662,000 |
| Application Denied By Financial Institution | 130 | $14,041,000 | $108,000 | $890,000 | $63,000 | $332,000 |
| Application Approved But Not Accepted | 64 | $8,593,000 | $134,000 | $417,000 | $89,000 | $404,000 |
| 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 | 53 | $4,985,000 | $94,000 | $470,000 | $48,000 | $158,000 |
| Debt-To-Income Ratio | 30 | $4,113,000 | $137,000 | $890,000 | $80,000 | $269,000 |
| Collateral | 29 | $3,049,000 | $105,000 | $417,000 | $71,000 | $332,000 |
| Other | 13 | $1,523,000 | $117,000 | $343,000 | $72,000 | $187,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $371,000 | $74,000 | $127,000 | $53,000 | $94,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F & M Bank and Trust Co's 2010 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 & M Bank and Trust Co'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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