F & M Bank and Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, F & M Bank and Trust Company of Hannibal, MO reported 1,152 mortgage applications totaling $210.3 million. The average application was for $182,537, and applicants reported an average income of $116,310. 69% of its applications resulted in an originated loan and 9% were denied. Its largest markets were St. Louis, MO-IL (575), Springfield, MO (119) and Chicago-Joliet-Naperville, IL (70) (applications in parentheses).
| Mortgage Company & Address | F & M Bank and Trust Company Po Box 938 Hannibal, MO 63401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,152 |
| Total Mortgage Loan Application Amount | $210,283,000 |
| Average Mortgage Loan Application Amount | $182,537 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $116,310 |
| Highest Applicant Income | $1,783,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records F & M Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, Missouri | 342 | $ 77,612,000 | $ 226,935 | $ 147,000 |
| Marion, Missouri | 122 | $ 9,232,000 | $ 75,672 | $ 67,000 |
| St. Charles, Missouri | 116 | $ 20,540,000 | $ 177,068 | $ 94,000 |
| Greene, Missouri | 79 | $ 9,365,000 | $ 118,544 | $ 61,000 |
| St. Louis City, Missouri | 65 | $ 10,393,000 | $ 159,892 | $ 106,000 |
| Cook, Illinois | 61 | $ 24,000,000 | $ 393,442 | $ 223,000 |
| Christian, Missouri | 30 | $ 4,878,000 | $ 162,600 | $ 76,000 |
| Jackson, Missouri | 24 | $ 1,964,000 | $ 81,833 | $ 93,000 |
| Jefferson, Missouri | 23 | $ 3,365,000 | $ 146,304 | $ 76,000 |
| Ralls, Missouri | 23 | $ 2,081,000 | $ 90,478 | $ 64,000 |
| Shelby, Missouri | 22 | $ 1,492,000 | $ 67,818 | $ 57,000 |
| Adams, Illinois | 20 | $ 1,284,000 | $ 64,200 | $ 53,000 |
| Lake, Illinois | 9 | $ 2,949,000 | $ 327,666 | $ 274,000 |
| Franklin, Missouri | 9 | $ 1,672,000 | $ 185,777 | $ 62,000 |
| Taney, Missouri | 9 | $ 1,334,000 | $ 148,222 | $ 122,000 |
| Lincoln, Missouri | 7 | $ 1,048,000 | $ 149,714 | $ 66,000 |
| St. Clair, Illinois | 6 | $ 654,000 | $ 109,000 | $ 86,000 |
| Lawrence, Missouri | 6 | $ 627,000 | $ 104,500 | $ 40,000 |
| Monroe, Missouri | 6 | $ 438,000 | $ 73,000 | $ 41,000 |
| Stone, Missouri | 6 | $ 780,000 | $ 130,000 | $ 85,000 |
| Webster, Missouri | 6 | $ 786,000 | $ 131,000 | $ 51,000 |
| DuPage, Illinois | 5 | $ 2,019,000 | $ 403,800 | $ 333,000 |
| Boone, Missouri | 4 | $ 479,000 | $ 119,750 | $ 144,000 |
| Camden, Missouri | 4 | $ 928,000 | $ 232,000 | $ 202,000 |
| Monroe, Illinois | 3 | $ 489,000 | $ 163,000 | $ 76,000 |
| Hartford, Connecticut | 2 | $ 451,000 | $ 225,500 | $ 280,000 |
| DeKalb, Illinois | 2 | $ 451,000 | $ 225,500 | $ 120,000 |
| Kane, Illinois | 2 | $ 576,000 | $ 288,000 | $ 234,000 |
| Barry, Missouri | 2 | $ 191,000 | $ 95,500 | $ 109,000 |
| Dallas, Missouri | 2 | $ 314,000 | $ 157,000 | $ 44,000 |
| Gasconade, Missouri | 2 | $ 292,000 | $ 146,000 | $ 56,000 |
| Lewis, Missouri | 2 | $ 352,000 | $ 176,000 | $ 37,000 |
| Macon, Missouri | 2 | $ 96,000 | $ 48,000 | $ 38,000 |
| Polk, Missouri | 2 | $ 264,000 | $ 132,000 | $ 48,000 |
| Warren, Missouri | 2 | $ 222,000 | $ 111,000 | $ 47,000 |
| Collin, Texas | 2 | $ 340,000 | $ 170,000 | $ 86,000 |
| Milwaukee, Wisconsin | 2 | $ 673,000 | $ 336,500 | $ 207,000 |
| Ozaukee, Wisconsin | 2 | $ 824,000 | $ 412,000 | $ 257,000 |
| Los Angeles, California | 1 | $ 412,000 | $ 412,000 | $ 135,000 |
| Orange, California | 1 | $ 400,000 | $ 400,000 | $ 241,000 |
| Archuleta, Colorado | 1 | $ 347,000 | $ 347,000 | $ 135,000 |
| Boulder, Colorado | 1 | $ 406,000 | $ 406,000 | $ 211,000 |
| Litchfield, Connecticut | 1 | $ 400,000 | $ 400,000 | $ 283,000 |
| Collier, Florida | 1 | $ 240,000 | $ 240,000 | $ 110,000 |
| Hillsborough, Florida | 1 | $ 400,000 | $ 400,000 | $ 241,000 |
| Lee, Florida | 1 | $ 310,000 | $ 310,000 | $ 666,000 |
| Palm Beach, Florida | 1 | $ 317,000 | $ 317,000 | $ 90,000 |
| Sarasota, Florida | 1 | $ 410,000 | $ 410,000 | $ 509,000 |
| Clinton, Illinois | 1 | $ 80,000 | $ 80,000 | $ 88,000 |
| Effingham, Illinois | 1 | $ 394,000 | $ 394,000 | $ 1,098,000 |
| Madison, Illinois | 1 | $ 96,000 | $ 96,000 | $ 40,000 |
| Hamilton, Indiana | 1 | $ 155,000 | $ 155,000 | $ 179,000 |
| LaPorte, Indiana | 1 | $ 279,000 | $ 279,000 | $ 64,000 |
| Johnson, Kansas | 1 | $ 49,000 | $ 49,000 | $ 38,000 |
| Jefferson, Kentucky | 1 | $ 322,000 | $ 322,000 | $ 150,000 |
| Montgomery, Maryland | 1 | $ 217,000 | $ 217,000 | $ 134,000 |
| Allegan, Michigan | 1 | $ 270,000 | $ 270,000 | $ 435,000 |
| Ottawa, Michigan | 1 | $ 331,000 | $ 331,000 | $ 225,000 |
| Hennepin, Minnesota | 1 | $ 239,000 | $ 239,000 | $ 181,000 |
| Washington, Minnesota | 1 | $ 354,000 | $ 354,000 | $ 275,000 |
| Adair, Missouri | 1 | $ 10,000 | $ 10,000 | $ 39,000 |
| Cole, Missouri | 1 | $ 117,000 | $ 117,000 | $ 94,000 |
| Linn, Missouri | 1 | $ 130,000 | $ 130,000 | $ 69,000 |
| Montgomery, Missouri | 1 | $ 47,000 | $ 47,000 | $ 142,000 |
| Morgan, Missouri | 1 | $ 67,000 | $ 67,000 | $ 106,000 |
| Ozark, Missouri | 1 | $ 65,000 | $ 65,000 | $ 138,000 |
| Pike, Missouri | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Platte, Missouri | 1 | $ 193,000 | $ 193,000 | $ 111,000 |
| Randolph, Missouri | 1 | $ 37,000 | $ 37,000 | $ 17,000 |
| St. Francois, Missouri | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Ste. Genevieve, Missouri | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Texas, Missouri | 1 | $ 183,000 | $ 183,000 | $ 70,000 |
| Bernalillo, New Mexico | 1 | $ 136,000 | $ 136,000 | $ 218,000 |
| Dallas, Texas | 1 | $ 938,000 | $ 938,000 | $ 704,000 |
| Orange, Vermont | 1 | $ 250,000 | $ 250,000 | $ 58,000 |
| Dinwiddie, Virginia | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
| Henrico, Virginia | 1 | $ 188,000 | $ 188,000 | $ 162,000 |
| Brown, Wisconsin | 1 | $ 79,000 | $ 79,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for F & M Bank and Trust Company in 2011
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 | 794 | $156,505,000 | $197,000 | $1,050,000 | $127,000 | $1,783,000 |
| Home Purchase | 338 | $53,344,000 | $157,000 | $1,100,000 | $94,000 | $704,000 |
| Home Improvement | 20 | $434,000 | $21,000 | $170,000 | $69,000 | $246,000 |
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 | 1,085 | $197,209,000 | $181,000 | $1,100,000 | $116,000 | $1,783,000 |
| Asian | 32 | $7,330,000 | $229,000 | $417,000 | $149,000 | $449,000 |
| Hispanic | 15 | $2,855,000 | $190,000 | $417,000 | $126,000 | $396,000 |
| Black or African American | 8 | $1,345,000 | $168,000 | $217,000 | $97,000 | $135,000 |
| Not Provided | 7 | $836,000 | $119,000 | $222,000 | $60,000 | $130,000 |
| American Indian or Alaskan Native | 2 | $495,000 | $247,000 | $417,000 | $110,000 | $186,000 |
| Not applicable | 2 | $188,000 | $94,000 | $153,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $59,000 | $59,000 |
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) | 989 | $188,139,000 | $190,000 | $1,100,000 | $127,000 | $1,783,000 |
| FHA-insured (Federal Housing Administration) | 107 | $15,656,000 | $146,000 | $317,000 | $52,000 | $334,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $3,680,000 | $96,000 | $380,000 | $44,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,808,000 | $156,000 | $300,000 | $65,000 | $153,000 |
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 | 800 | $154,622,000 | $193,000 | $1,100,000 | $127,000 | $1,762,000 |
| Application Withdrawn By Applicant | 144 | $25,297,000 | $175,000 | $1,050,000 | $83,000 | $508,000 |
| Application Denied By Financial Institution | 109 | $14,339,000 | $131,000 | $417,000 | $72,000 | $381,000 |
| Application Approved But Not Accepted | 82 | $13,226,000 | $161,000 | $620,000 | $134,000 | $1,783,000 |
| Loan Purchased By The Institution | 11 | $2,290,000 | $208,000 | $295,000 | $96,000 | $298,000 |
| Preapproval Denied by Financial Institution | 6 | $509,000 | $84,000 | $124,000 | $27,000 | $72,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 33 | $5,306,000 | $160,000 | $417,000 | $94,000 | $381,000 |
| Other | 27 | $3,382,000 | $125,000 | $370,000 | $70,000 | $300,000 |
| Credit History | 25 | $2,091,000 | $83,000 | $222,000 | $41,000 | $215,000 |
| Debt-To-Income Ratio | 18 | $2,705,000 | $150,000 | $346,000 | $76,000 | $264,000 |
| Unverifiable Information | 5 | $463,000 | $92,000 | $171,000 | $43,000 | $73,000 |
| Credit Application Incomplete | 3 | $517,000 | $172,000 | $185,000 | $85,000 | $93,000 |
| Employment History | 3 | $352,000 | $117,000 | $122,000 | $36,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $32,000 | $32,000 | $32,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F & M Bank and Trust Company's 2011 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 Company'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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