F & M Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
F & M Bank And Trust Company 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 1,472 |
| Total Mortgage Loan Application Amount | $300,865,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $1,924,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $4,800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with F & M Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing F & M Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down F & M Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how F & M Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by F & M Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at F & M Bank And Trust Company's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 484 | $ 114,460,000 | $ 236,000 | $ 156,000 |
| Marion County Missouri | 138 | $ 10,606,000 | $ 76,000 | $ 54,000 |
| St. Charles County Missouri | 118 | $ 20,277,000 | $ 171,000 | $ 115,000 |
| Cook County Illinois | 115 | $ 45,364,000 | $ 394,000 | $ 190,000 |
| Greene County Missouri | 77 | $ 9,382,000 | $ 121,000 | $ 74,000 |
| St. Louis City County Missouri | 72 | $ 14,995,000 | $ 208,000 | $ 158,000 |
| Ralls County Missouri | 43 | $ 4,111,000 | $ 95,000 | $ 65,000 |
| Shelby County Missouri | 35 | $ 2,191,000 | $ 62,000 | $ 49,000 |
| Cape Girardeau County Missouri | 31 | $ 4,503,000 | $ 145,000 | $ 73,000 |
| Adams County Illinois | 30 | $ 2,721,000 | $ 90,000 | $ 53,000 |
| Christian County Missouri | 28 | $ 4,176,000 | $ 149,000 | $ 85,000 |
| Lake County Illinois | 21 | $ 9,155,000 | $ 435,000 | $ 223,000 |
| Jefferson County Missouri | 18 | $ 2,735,000 | $ 151,000 | $ 83,000 |
| Stone County Missouri | 11 | $ 1,140,000 | $ 103,000 | $ 66,000 |
| DuPage County Illinois | 10 | $ 3,438,000 | $ 343,000 | $ 215,000 |
| St. Clair County Illinois | 10 | $ 2,430,000 | $ 243,000 | $ 110,000 |
| Monroe County Missouri | 10 | $ 782,000 | $ 78,000 | $ 32,000 |
| Warren County Missouri | 10 | $ 2,042,000 | $ 204,000 | $ 244,000 |
| Madison County Illinois | 8 | $ 1,253,000 | $ 156,000 | $ 106,000 |
| Bollinger County Missouri | 7 | $ 559,000 | $ 79,000 | $ 36,000 |
| Franklin County Missouri | 7 | $ 848,000 | $ 121,000 | $ 63,000 |
| Lewis County Missouri | 7 | $ 655,000 | $ 93,000 | $ 80,000 |
| Lincoln County Missouri | 7 | $ 1,127,000 | $ 161,000 | $ 61,000 |
| Johnson County Kansas | 6 | $ 989,000 | $ 164,000 | $ 69,000 |
| Camden County Missouri | 6 | $ 1,438,000 | $ 239,000 | $ 1,106,000 |
| Jackson County Missouri | 6 | $ 897,000 | $ 149,000 | $ 318,000 |
| Scott County Missouri | 6 | $ 539,000 | $ 89,000 | $ 37,000 |
| Will County Illinois | 5 | $ 1,408,000 | $ 281,000 | $ 133,000 |
| Pike County Missouri | 5 | $ 438,000 | $ 87,000 | $ 61,000 |
| Webster County Missouri | 5 | $ 636,000 | $ 127,000 | $ 112,000 |
| St. Francois County Missouri | 4 | $ 635,000 | $ 158,000 | $ 89,000 |
| Maricopa County Arizona | 3 | $ 711,000 | $ 237,000 | $ 231,000 |
| Summit County Colorado | 3 | $ 1,587,000 | $ 529,000 | $ 999,000 |
| Monroe County Illinois | 3 | $ 336,000 | $ 112,000 | $ 68,000 |
| Lawrence County Missouri | 3 | $ 263,000 | $ 87,000 | $ 35,000 |
| Macon County Missouri | 3 | $ 258,000 | $ 86,000 | $ 26,000 |
| Santa Fe County New Mexico | 3 | $ 780,000 | $ 260,000 | $ 193,000 |
| Collin County Texas | 3 | $ 582,000 | $ 194,000 | $ 84,000 |
| San Diego County California | 2 | $ 759,000 | $ 379,000 | $ 244,000 |
| Collier County Florida | 2 | $ 494,000 | $ 247,000 | $ 110,000 |
| Lee County Florida | 2 | $ 636,000 | $ 318,000 | $ 211,000 |
| Fulton County Georgia | 2 | $ 530,000 | $ 265,000 | $ 1,076,000 |
| Kane County Illinois | 2 | $ 371,000 | $ 185,000 | $ 86,000 |
| Hamilton County Indiana | 2 | $ 329,000 | $ 164,000 | $ 78,000 |
| Berrien County Michigan | 2 | $ 721,000 | $ 360,000 | $ 276,000 |
| Hennepin County Minnesota | 2 | $ 680,000 | $ 340,000 | $ 195,000 |
| Barry County Missouri | 2 | $ 384,000 | $ 192,000 | $ 58,000 |
| Boone County Missouri | 2 | $ 258,000 | $ 129,000 | $ 114,000 |
| Polk County Missouri | 2 | $ 232,000 | $ 116,000 | $ 71,000 |
| Scotland County Missouri | 2 | $ 87,000 | $ 43,000 | $ 41,000 |
| Clark County Nevada | 2 | $ 723,000 | $ 361,000 | $ 77,000 |
| Hamilton County Ohio | 2 | $ 525,000 | $ 262,000 | $ 143,000 |
| King County Washington | 2 | $ 771,000 | $ 385,000 | $ 106,000 |
| Kenosha County Wisconsin | 2 | $ 395,000 | $ 197,000 | $ 317,000 |
| Milwaukee County Wisconsin | 2 | $ 802,000 | $ 401,000 | $ 200,000 |
| Vilas County Wisconsin | 2 | $ 453,000 | $ 226,000 | $ 323,000 |
| Walker County Alabama | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Los Angeles County California | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Riverside County California | 1 | $ 235,000 | $ 235,000 | $ 343,000 |
| San Francisco County California | 1 | $ 999,000 | $ 999,000 | $ 461,000 |
| Fairfield County Connecticut | 1 | $ 601,000 | $ 601,000 | $ 318,000 |
| Broward County Florida | 1 | $ 412,000 | $ 412,000 | $ 94,000 |
| Hillsborough County Florida | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Palm Beach County Florida | 1 | $ 407,000 | $ 407,000 | $ 715,000 |
| Pinellas County Florida | 1 | $ 393,000 | $ 393,000 | $ 600,000 |
| Chatham County Georgia | 1 | $ 92,000 | $ 92,000 | $ 293,000 |
| DeKalb County Georgia | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Forsyth County Georgia | 1 | $ 1,924,000 | $ 1,924,000 | $ 2,400,000 |
| Kendall County Illinois | 1 | $ 250,000 | $ 250,000 | $ 88,000 |
| McLean County Illinois | 1 | $ 252,000 | $ 252,000 | $ 106,000 |
| Sangamon County Illinois | 1 | $ 171,000 | $ 171,000 | $ 200,000 |
| Boone County Indiana | 1 | $ 258,000 | $ 258,000 | $ 316,000 |
| Brown County Indiana | 1 | $ 236,000 | $ 236,000 | $ 121,000 |
| Hendricks County Indiana | 1 | $ 146,000 | $ 146,000 | $ 73,000 |
| LaPorte County Indiana | 1 | $ 279,000 | $ 279,000 | $ 62,000 |
| Trigg County Kentucky | 1 | $ 664,000 | $ 664,000 | $ 565,000 |
| Allegan County Michigan | 1 | $ 270,000 | $ 270,000 | $ 435,000 |
| Cass County Michigan | 1 | $ 313,000 | $ 313,000 | $ 335,000 |
| Leelanau County Michigan | 1 | $ 233,000 | $ 233,000 | $ 491,000 |
| St. Joseph County Michigan | 1 | $ 230,000 | $ 230,000 | $ 377,000 |
| Carver County Minnesota | 1 | $ 387,000 | $ 387,000 | $ 65,000 |
| Ramsey County Minnesota | 1 | $ 207,000 | $ 207,000 | $ 58,000 |
| Wright County Minnesota | 1 | $ 223,000 | $ 223,000 | $ 319,000 |
| Adair County Missouri | 1 | $ 76,000 | $ 76,000 | $ 64,000 |
| Audrain County Missouri | 1 | $ 138,000 | $ 138,000 | $ 41,000 |
| Butler County Missouri | 1 | $ 116,000 | $ 116,000 | $ 61,000 |
| Clay County Missouri | 1 | $ 108,000 | $ 108,000 | $ 94,000 |
| Crawford County Missouri | 1 | $ 116,000 | $ 116,000 | $ 110,000 |
| Douglas County Missouri | 1 | $ 306,000 | $ 306,000 | $ 84,000 |
| Gasconade County Missouri | 1 | $ 360,000 | $ 360,000 | $ 116,000 |
| Jasper County Missouri | 1 | $ 99,000 | $ 99,000 | $ 76,000 |
| Knox County Missouri | 1 | $ 415,000 | $ 415,000 | $ 182,000 |
| Morgan County Missouri | 1 | $ 101,000 | $ 101,000 | $ 100,000 |
| Newton County Missouri | 1 | $ 490,000 | $ 490,000 | $ 210,000 |
| Reynolds County Missouri | 1 | $ 92,000 | $ 92,000 | $ 69,000 |
| Ripley County Missouri | 1 | $ 140,000 | $ 140,000 | $ 28,000 |
| Ste. Genevieve County Missouri | 1 | $ 268,000 | $ 268,000 | $ 156,000 |
| Stoddard County Missouri | 1 | $ 115,000 | $ 115,000 | $ 27,000 |
| Taney County Missouri | 1 | $ 389,000 | $ 389,000 | $ 144,000 |
| Carroll County New Hampshire | 1 | $ 316,000 | $ 316,000 | $ 278,000 |
| Essex County New Jersey | 1 | $ 390,000 | $ 390,000 | $ 1,718,000 |
| Hudson County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Suffolk County New York | 1 | $ 336,000 | $ 336,000 | $ 262,000 |
| Mecklenburg County North Carolina | 1 | $ 402,000 | $ 402,000 | $ 173,000 |
| Lorain County Ohio | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
| Tulsa County Oklahoma | 1 | $ 379,000 | $ 379,000 | $ 285,000 |
| Montgomery County Pennsylvania | 1 | $ 379,000 | $ 379,000 | $ 238,000 |
| Shelby County Tennessee | 1 | $ 187,000 | $ 187,000 | $ 118,000 |
| Bexar County Texas | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Dallas County Texas | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Rockwall County Texas | 1 | $ 112,000 | $ 112,000 | $ 52,000 |
| Arlington County Virginia | 1 | $ 683,000 | $ 683,000 | $ 209,000 |
| Ozaukee County Wisconsin | 1 | $ 399,000 | $ 399,000 | $ 150,000 |
| Sauk County Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Walworth County Wisconsin | 1 | $ 386,000 | $ 386,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for F & M Bank And Trust Company in 2012
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 | 1,080 | $234,349,000 | $216,000 | $1,500,000 | $148,000 | $4,800,000 |
| Home Purchase | 368 | $66,189,000 | $179,000 | $1,924,000 | $112,000 | $2,400,000 |
| Home Improvement | 24 | $327,000 | $13,000 | $32,000 | $49,000 | $109,000 |
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 | 1,358 | $277,891,000 | $204,000 | $1,924,000 | $139,000 | $4,800,000 |
| Asian | 38 | $9,842,000 | $259,000 | $691,000 | $132,000 | $449,000 |
| Not Provided | 37 | $6,490,000 | $175,000 | $742,000 | $96,000 | $453,000 |
| Black or African American | 18 | $3,174,000 | $176,000 | $404,000 | $185,000 | $1,900,000 |
| Hispanic | 14 | $2,629,000 | $187,000 | $412,000 | $116,000 | $377,000 |
| Not applicable | 4 | $330,000 | $82,000 | $265,000 | $62,000 | $196,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $447,000 | $223,000 | $373,000 | $63,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $62,000 | $62,000 | $62,000 | $44,000 | $44,000 |
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) | 1,280 | $276,421,000 | $215,000 | $1,924,000 | $151,000 | $4,800,000 |
| FHA-insured (Federal Housing Administration) | 114 | $15,770,000 | $138,000 | $277,000 | $54,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $5,829,000 | $97,000 | $400,000 | $38,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,845,000 | $158,000 | $384,000 | $61,000 | $124,000 |
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 | 1,161 | $245,263,000 | $211,000 | $1,350,000 | $141,000 | $2,873,000 |
| Application Denied By Financial Institution | 169 | $25,370,000 | $150,000 | $1,924,000 | $85,000 | $2,400,000 |
| Application Withdrawn By Applicant | 96 | $21,002,000 | $218,000 | $1,100,000 | $153,000 | $1,701,000 |
| File Closed For Incompleteness | 29 | $6,231,000 | $214,000 | $1,200,000 | $259,000 | $4,800,000 |
| Application Approved But Not Accepted | 17 | $2,999,000 | $176,000 | $380,000 | $107,000 | $415,000 |
| 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 | 51 | $4,084,000 | $80,000 | $320,000 | $58,000 | $393,000 |
| Collateral | 50 | $11,721,000 | $234,000 | $1,924,000 | $147,000 | $2,400,000 |
| Debt-To-Income Ratio | 37 | $4,381,000 | $118,000 | $348,000 | $53,000 | $244,000 |
| Other | 15 | $2,249,000 | $149,000 | $405,000 | $74,000 | $435,000 |
| Employment History | 7 | $1,736,000 | $248,000 | $800,000 | $101,000 | $277,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $446,000 | $111,000 | $225,000 | $27,000 | $49,000 |
| Credit Application Incomplete | 4 | $673,000 | $168,000 | $267,000 | $40,000 | $63,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $0 | $0 |
| 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 2012 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.