Fcs Financial Flca Mortgage Lending & HMDA Data, 2019
In 2019, Fcs Financial Flca of Jefferson City, MO reported 195 mortgage applications totaling $36.9 million, up 39% from 2018. The average application was for $189,256, and applicants reported an average income of $187,312. 55% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Kansas City, MO-KS (29), Springfield, MO (17) and St. Louis, MO-IL (14) (applications in parentheses).
| Mortgage Company & Address | Fcs Financial Flca 1930 E Miller St Jefferson City, MO 65101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2019 2018 |
| Total Number of Mortgage Applications | 195 |
| Total Mortgage Loan Application Amount | $36,905,000 |
| Average Mortgage Loan Application Amount | $189,256 |
| Highest Mortgage Loan Application Amount | $1,135,000 |
| Average Applicant Income | $187,312 |
| Highest Applicant Income | $4,089,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fcs Financial Flca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cass, Missouri | 14 | $ 2,890,000 | $ 206,428 | $ 297,000 |
| Greene, Missouri | 9 | $ 1,845,000 | $ 205,000 | $ 293,000 |
| Franklin, Missouri | 7 | $ 2,845,000 | $ 406,428 | $ 100,000 |
| Johnson, Missouri | 7 | $ 1,575,000 | $ 225,000 | $ 122,000 |
| Lawrence, Missouri | 7 | $ 1,375,000 | $ 196,428 | $ 156,000 |
| Barry, Missouri | 6 | $ 930,000 | $ 155,000 | $ 153,000 |
| Lafayette, Missouri | 6 | $ 1,100,000 | $ 183,333 | $ 167,000 |
| Nodaway, Missouri | 6 | $ 1,050,000 | $ 175,000 | $ 736,000 |
| Pettis, Missouri | 6 | $ 780,000 | $ 130,000 | $ 168,000 |
| Lincoln, Missouri | 5 | $ 975,000 | $ 195,000 | $ 68,000 |
| Audrain, Missouri | 4 | $ 530,000 | $ 132,500 | $ 166,000 |
| Boone, Missouri | 4 | $ 1,360,000 | $ 340,000 | $ 127,000 |
| Buchanan, Missouri | 4 | $ 330,000 | $ 82,500 | $ 72,000 |
| McDonald, Missouri | 4 | $ 860,000 | $ 215,000 | $ 122,000 |
| Newton, Missouri | 4 | $ 1,040,000 | $ 260,000 | $ 95,000 |
| Webster, Missouri | 4 | $ 260,000 | $ 65,000 | $ 51,000 |
| Adair, Missouri | 3 | $ 555,000 | $ 185,000 | $ 155,000 |
| Callaway, Missouri | 3 | $ 615,000 | $ 205,000 | $ 94,000 |
| Gasconade, Missouri | 3 | $ 665,000 | $ 221,666 | $ 137,000 |
| Lewis, Missouri | 3 | $ 555,000 | $ 185,000 | $ 124,000 |
| Livingston, Missouri | 3 | $ 815,000 | $ 271,666 | $ 1,540,000 |
| Maries, Missouri | 3 | $ 335,000 | $ 111,666 | $ 135,000 |
| Miller, Missouri | 3 | $ 425,000 | $ 141,666 | $ 108,000 |
| Oregon, Missouri | 3 | $ 465,000 | $ 155,000 | $ 68,000 |
| Polk, Missouri | 3 | $ 505,000 | $ 168,333 | $ 97,000 |
| Ralls, Missouri | 3 | $ 545,000 | $ 181,666 | $ 118,000 |
| Benton, Missouri | 2 | $ 120,000 | $ 60,000 | $ 109,000 |
| Clinton, Missouri | 2 | $ 490,000 | $ 245,000 | $ 218,000 |
| Daviess, Missouri | 2 | $ 270,000 | $ 135,000 | $ 65,000 |
| Gentry, Missouri | 2 | $ 450,000 | $ 225,000 | $ 150,000 |
| Howell, Missouri | 2 | $ 320,000 | $ 160,000 | $ 113,000 |
| Jackson, Missouri | 2 | $ 480,000 | $ 240,000 | $ 121,000 |
| Linn, Missouri | 2 | $ 340,000 | $ 170,000 | $ 189,000 |
| Macon, Missouri | 2 | $ 200,000 | $ 100,000 | $ 132,000 |
| Moniteau, Missouri | 2 | $ 310,000 | $ 155,000 | $ 141,000 |
| Morgan, Missouri | 2 | $ 370,000 | $ 185,000 | $ 169,000 |
| Platte, Missouri | 2 | $ 580,000 | $ 290,000 | $ 148,000 |
| Ray, Missouri | 2 | $ 610,000 | $ 305,000 | $ 123,000 |
| St. Francois, Missouri | 2 | $ 190,000 | $ 95,000 | $ 121,000 |
| Texas, Missouri | 2 | $ 140,000 | $ 70,000 | $ 77,000 |
| Vernon, Missouri | 2 | $ 300,000 | $ 150,000 | $ 318,000 |
| Warren, Missouri | 2 | $ 260,000 | $ 130,000 | $ 73,000 |
| Pinal, Arizona | 1 | $ 275,000 | $ 275,000 | $ 889,000 |
| Miami, Kansas | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Andrew, Missouri | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Atchison, Missouri | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Barton, Missouri | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Bates, Missouri | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Caldwell, Missouri | 1 | $ 185,000 | $ 185,000 | $ 127,000 |
| Camden, Missouri | 1 | $ 195,000 | $ 195,000 | $ 521,000 |
| Carroll, Missouri | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Chariton, Missouri | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Christian, Missouri | 1 | $ 195,000 | $ 195,000 | $ 127,000 |
| Clay, Missouri | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Crawford, Missouri | 1 | $ 315,000 | $ 315,000 | $ 169,000 |
| Dade, Missouri | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Dallas, Missouri | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Dent, Missouri | 1 | $ 85,000 | $ 85,000 | $ 350,000 |
| Douglas, Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Grundy, Missouri | 1 | $ 405,000 | $ 405,000 | $ 510,000 |
| Harrison, Missouri | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Henry, Missouri | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Hickory, Missouri | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Holt, Missouri | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Jasper, Missouri | 1 | $ 95,000 | $ 95,000 | $ 126,000 |
| Laclede, Missouri | 1 | $ 295,000 | $ 295,000 | $ 279,000 |
| Marion, Missouri | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Monroe, Missouri | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Montgomery, Missouri | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Randolph, Missouri | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Saline, Missouri | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Schuyler, Missouri | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Scotland, Missouri | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Shelby, Missouri | 1 | $ 245,000 | $ 245,000 | $ 907,000 |
| Sullivan, Missouri | 1 | $ 125,000 | $ 125,000 | $ 150,000 |
| Wright, Missouri | 1 | $ 405,000 | $ 405,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fcs Financial Flca in 2019
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 | 104 | $20,840,000 | $200,000 | $595,000 | $208,000 | $4,089,000 |
| Refinancing | 53 | $11,345,000 | $214,000 | $1,135,000 | $147,000 | $862,000 |
| Other Purpose | 29 | $3,995,000 | $137,000 | $285,000 | $208,000 | $889,000 |
| Home Improvement | 9 | $725,000 | $80,000 | $185,000 | $119,000 | $214,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 176 | $33,210,000 | $188,000 | $1,135,000 | $195,000 | $4,089,000 |
| Not Provided | 7 | $1,235,000 | $176,000 | $345,000 | $90,000 | $127,000 |
| Not applicable | 3 | $635,000 | $211,000 | $305,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $575,000 | $191,000 | $395,000 | $57,000 | $80,000 |
| Hispanic | 3 | $615,000 | $205,000 | $325,000 | $99,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $170,000 | $170,000 |
| Asian | 1 | $245,000 | $245,000 | $245,000 | $237,000 | $237,000 |
| Black or African American | 1 | $145,000 | $145,000 | $145,000 | $149,000 | $149,000 |
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) | 195 | $36,905,000 | $189,000 | $1,135,000 | $188,000 | $4,089,000 |
| 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 | 108 | $18,540,000 | $171,000 | $1,135,000 | $215,000 | $4,089,000 |
| Application Denied By Financial Institution | 42 | $8,490,000 | $202,000 | $595,000 | $118,000 | $365,000 |
| Application Withdrawn By Applicant | 25 | $6,245,000 | $249,000 | $605,000 | $190,000 | $889,000 |
| Application Approved But Not Accepted | 17 | $3,365,000 | $197,000 | $745,000 | $213,000 | $1,990,000 |
| File Closed For Incompleteness | 3 | $265,000 | $88,000 | $105,000 | $50,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 153 | $28,415,000 | $185,000 | $1,135,000 | $208,000 | $4,089,000 |
| Debt-To-Income Ratio | 27 | $5,655,000 | $209,000 | $595,000 | $110,000 | $335,000 |
| Other | 10 | $1,900,000 | $190,000 | $355,000 | $137,000 | $365,000 |
| Credit History | 4 | $540,000 | $135,000 | $255,000 | $106,000 | $190,000 |
| Collateral | 1 | $395,000 | $395,000 | $395,000 | $157,000 | $157,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fcs Financial Flca's 2019 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 Fcs Financial Flca'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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