First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Community Bank 2005 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 | First Community Bank 301 Se Main Street Lees Summit, MO 64063 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,596 |
| Total Mortgage Loan Application Amount | $161,905,000 |
| Average Mortgage Loan Application Amount | $158,100 |
| Highest Mortgage Loan Application Amount | $2,124,000 |
| Average Applicant Income | $194,900 |
| Highest Applicant Income | $1,298,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First Community Bank. 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 First Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First Community Bank'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 First Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Community Bank, 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 First Community Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson County Missouri | 407 | $ 46,065,000 | $ 113,000 | $ 52,000 |
| Pettis County Missouri | 241 | $ 16,571,000 | $ 68,000 | $ 46,000 |
| Jackson County Missouri | 200 | $ 26,316,000 | $ 131,000 | $ 60,000 |
| Henry County Missouri | 193 | $ 13,993,000 | $ 72,000 | $ 49,000 |
| Lafayette County Missouri | 185 | $ 16,109,000 | $ 87,000 | $ 47,000 |
| Benton County Missouri | 155 | $ 12,603,000 | $ 81,000 | $ 48,000 |
| Johnson County Kansas | 39 | $ 9,160,000 | $ 234,000 | $ 70,000 |
| Saline County Missouri | 30 | $ 1,631,000 | $ 54,000 | $ 53,000 |
| Cass County Missouri | 16 | $ 4,736,000 | $ 296,000 | $ 81,000 |
| Clay County Missouri | 15 | $ 2,362,000 | $ 157,000 | $ 57,000 |
| Camden County Missouri | 10 | $ 1,629,000 | $ 162,000 | $ 139,000 |
| Cooper County Missouri | 10 | $ 413,000 | $ 41,000 | $ 43,000 |
| Wyandotte County Kansas | 8 | $ 1,065,000 | $ 133,000 | $ 30,000 |
| Sedgwick County Kansas | 7 | $ 1,022,000 | $ 146,000 | $ 113,000 |
| Morgan County Missouri | 7 | $ 728,000 | $ 104,000 | $ 93,000 |
| St. Clair County Missouri | 6 | $ 487,000 | $ 81,000 | $ 38,000 |
| Miami County Kansas | 4 | $ 363,000 | $ 90,000 | $ 86,000 |
| Ray County Missouri | 4 | $ 355,000 | $ 88,000 | $ 73,000 |
| Leavenworth County Kansas | 3 | $ 329,000 | $ 109,000 | $ 59,000 |
| Bates County Missouri | 3 | $ 247,000 | $ 82,000 | $ 61,000 |
| Boone County Missouri | 3 | $ 409,000 | $ 136,000 | $ 76,000 |
| Douglas County Kansas | 2 | $ 220,000 | $ 110,000 | $ 112,000 |
| Clinton County Missouri | 2 | $ 250,000 | $ 125,000 | $ 51,000 |
| Platte County Missouri | 2 | $ 391,000 | $ 195,000 | $ 81,000 |
| Lee County Florida | 1 | $ 516,000 | $ 516,000 | $ 222,000 |
| Pinellas County Florida | 1 | $ 204,000 | $ 204,000 | $ 1,298,000 |
| Franklin County Kansas | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Jefferson County Kansas | 1 | $ 96,000 | $ 96,000 | $ 120,000 |
| Lyon County Kansas | 1 | $ 179,000 | $ 179,000 | $ 146,000 |
| Wabaunsee County Kansas | 1 | $ 48,000 | $ 48,000 | $ 102,000 |
| Barry County Missouri | 1 | $ 110,000 | $ 110,000 | $ 80,000 |
| Buchanan County Missouri | 1 | $ 187,000 | $ 187,000 | $ 117,000 |
| Butler County Missouri | 1 | $ 34,000 | $ 34,000 | $ 40,000 |
| Cedar County Missouri | 1 | $ 42,000 | $ 42,000 | $ 21,000 |
| Dallas County Missouri | 1 | $ 227,000 | $ 227,000 | $ 91,000 |
| Harrison County Missouri | 1 | $ 39,000 | $ 39,000 | $ 63,000 |
| Jasper County Missouri | 1 | $ 130,000 | $ 130,000 | $ 181,000 |
| Laclede County Missouri | 1 | $ 103,000 | $ 103,000 | $ 81,000 |
| Maries County Missouri | 1 | $ 111,000 | $ 111,000 | $ 66,000 |
| Miller County Missouri | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Moniteau County Missouri | 1 | $ 72,000 | $ 72,000 | $ 74,000 |
| Wright County Missouri | 1 | $ 101,000 | $ 101,000 | $ 11,000 |
| Rockingham County New Hampshire | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Cherokee County Oklahoma | 1 | $ 33,000 | $ 33,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for First Community Bank in 2005
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 | 901 | $96,039,000 | $120,500 | $1,400,000 | $258,166 | $1,298,000 |
| Refinancing | 535 | $63,200,000 | $280,666 | $2,124,000 | $117,333 | $346,000 |
| Home Improvement | 160 | $2,666,000 | $16,000 | $122,000 | $48,000 | $295,000 |
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 | 1,397 | $137,106,000 | $142,166 | $1,320,000 | $169,666 | $1,298,000 |
| Not applicable | 81 | $10,428,000 | $192,000 | $2,124,000 | $0 | $0 |
| Not Provided | 52 | $6,455,000 | $109,000 | $875,000 | $40,000 | $288,000 |
| Hispanic | 25 | $1,907,000 | $93,000 | $243,000 | $45,500 | $191,000 |
| Black or African American | 24 | $2,784,000 | $116,000 | $299,000 | $53,000 | $146,000 |
| Asian | 9 | $2,256,000 | $250,000 | $1,400,000 | $54,000 | $144,000 |
| American Indian or Alaskan Native | 5 | $651,000 | $130,000 | $440,000 | $69,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $318,000 | $106,000 | $141,000 | $33,000 | $64,000 |
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) | 1,232 | $120,405,000 | $144,666 | $2,124,000 | $169,333 | $1,298,000 |
| VA-guaranteed (Veterans Administration) | 156 | $21,822,000 | $139,000 | $284,000 | $36,000 | $158,000 |
| FHA-insured (Federal Housing Administration) | 104 | $11,063,000 | $109,666 | $196,000 | $35,333 | $316,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 104 | $8,615,000 | $54,000 | $166,000 | $27,500 | $70,000 |
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 | 1,312 | $133,544,000 | $162,800 | $2,124,000 | $196,400 | $1,298,000 |
| Application Denied By Financial Institution | 130 | $10,786,000 | $133,500 | $520,000 | $62,000 | $295,000 |
| Application Withdrawn By Applicant | 109 | $12,359,000 | $105,000 | $306,000 | $69,500 | $156,000 |
| File Closed For Incompleteness | 21 | $3,324,000 | $158,000 | $875,000 | $66,000 | $288,000 |
| Preapproval Denied by Financial Institution | 15 | $573,000 | $38,000 | $149,000 | $20,000 | $62,000 |
| Preapproval Approved but not Accepted | 9 | $1,319,000 | $146,000 | $320,000 | $29,000 | $64,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 4 | $437,000 | $109,000 | $149,000 | $47,000 | $56,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank's 2005 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 First Community 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.