First Community Bank Mortgage Lending & HMDA Data, 2012
In 2012, First Community Bank of Lee's Summit, MO reported 1,733 mortgage applications totaling $255.3 million. The average application was for $147,289, and applicants reported an average income of $79,133. 86% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Kansas City, MO-KS (1,046), Lawrence, KS (8) and Columbia, MO (6) (applications in parentheses).
| Mortgage Company & Address | First Community Bank 301 Se Main St Lee's Summit, MO 64063 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 |
| Total Number of Mortgage Applications | 1,733 |
| Total Mortgage Loan Application Amount | $255,252,000 |
| Average Mortgage Loan Application Amount | $147,289 |
| Highest Mortgage Loan Application Amount | $1,750,000 |
| Average Applicant Income | $79,133 |
| Highest Applicant Income | $3,622,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 1,046 | $ 177,807,000 | $ 169,987 | $ 85,663 |
| Lawrence, KS | 8 | $ 1,130,000 | $ 141,250 | $ 82,000 |
| Columbia, MO | 6 | $ 942,000 | $ 157,000 | $ 127,000 |
| St. Louis, MO-IL | 4 | $ 600,000 | $ 150,000 | $ 22,000 |
| Springfield, MO | 3 | $ 317,000 | $ 105,666 | $ 53,000 |
| Wichita, KS | 3 | $ 370,000 | $ 123,333 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 917,000 | $ 458,500 | $ 66,000 |
| Valdosta, GA | 2 | $ 276,000 | $ 138,000 | $ 30,000 |
| Asheville, NC | 1 | $ 160,000 | $ 160,000 | $ 82,000 |
| Boston-Quincy, MA | 1 | $ 417,000 | $ 417,000 | $ 851,000 |
| Dallas-Plano-Irving, TX | 1 | $ 220,000 | $ 220,000 | $ 70,000 |
| Indianapolis-Carmel, IN | 1 | $ 315,000 | $ 315,000 | $ 1,000,000 |
| Jefferson City, MO | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Las Vegas-Paradise, NV | 1 | $ 109,000 | $ 109,000 | $ 116,000 |
| Memphis, TN-MS-AR | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 136,000 | $ 136,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Topeka, KS | 1 | $ 177,000 | $ 177,000 | $ 42,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 273,000 | $ 273,000 | $ 63,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 133,000 | $ 133,000 | $ 74,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 1,132,000 |
Mortgage Loan Application Detail Totals for First Community Bank 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 | 862 | $140,166,000 | $162,000 | $1,512,000 | $83,000 | $3,347,000 |
| Home Purchase | 804 | $113,704,000 | $141,000 | $1,750,000 | $78,000 | $3,622,000 |
| Home Improvement | 67 | $1,382,000 | $20,000 | $117,000 | $43,000 | $175,000 |
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 | 1,545 | $226,743,000 | $146,000 | $1,750,000 | $81,000 | $3,622,000 |
| Not Provided | 50 | $7,872,000 | $157,000 | $398,000 | $88,000 | $829,000 |
| Not applicable | 43 | $5,678,000 | $132,000 | $1,512,000 | $1,000 | $50,000 |
| Hispanic | 41 | $5,610,000 | $136,000 | $417,000 | $66,000 | $186,000 |
| Asian | 24 | $4,837,000 | $201,000 | $417,000 | $122,000 | $371,000 |
| Black or African American | 19 | $2,875,000 | $151,000 | $306,000 | $68,000 | $145,000 |
| American Indian or Alaskan Native | 9 | $1,202,000 | $133,000 | $245,000 | $50,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $435,000 | $217,000 | $336,000 | $96,000 | $165,000 |
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) | 1,111 | $168,101,000 | $151,000 | $1,750,000 | $97,000 | $3,622,000 |
| FHA-insured (Federal Housing Administration) | 308 | $42,576,000 | $138,000 | $274,000 | $50,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 191 | $31,591,000 | $165,000 | $412,000 | $41,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 123 | $12,984,000 | $105,000 | $243,000 | $42,000 | $106,000 |
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 | 1,492 | $220,334,000 | $147,000 | $1,750,000 | $79,000 | $3,622,000 |
| Application Withdrawn By Applicant | 153 | $24,888,000 | $162,000 | $938,000 | $86,000 | $1,000,000 |
| Application Denied By Financial Institution | 84 | $9,129,000 | $108,000 | $410,000 | $54,000 | $222,000 |
| File Closed For Incompleteness | 3 | $571,000 | $190,000 | $314,000 | $89,000 | $112,000 |
| Application Approved But Not Accepted | 1 | $330,000 | $330,000 | $330,000 | $143,000 | $143,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank'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 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.
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