First State Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
First State Community Bank 2015 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 State Community Bank 201 E Columbia Farmington, MO 63640 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,817 |
| Total Mortgage Loan Application Amount | $218,221,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $62,666 |
| Highest Applicant Income | $861,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with First State 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 State Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down First State 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 State Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First State 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 State Community Bank's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Francois County Missouri | 390 | $ 43,278,000 | $ 110,000 | $ 58,000 |
| Cape Girardeau County Missouri | 201 | $ 35,404,000 | $ 176,000 | $ 83,000 |
| Jefferson County Missouri | 163 | $ 16,926,000 | $ 103,000 | $ 63,000 |
| Perry County Missouri | 114 | $ 14,306,000 | $ 125,000 | $ 60,000 |
| Dunklin County Missouri | 79 | $ 5,690,000 | $ 72,000 | $ 57,000 |
| Franklin County Missouri | 74 | $ 11,304,000 | $ 152,000 | $ 72,000 |
| Scott County Missouri | 71 | $ 7,996,000 | $ 112,000 | $ 61,000 |
| Madison County Missouri | 61 | $ 5,252,000 | $ 86,000 | $ 66,000 |
| Phelps County Missouri | 55 | $ 6,915,000 | $ 125,000 | $ 74,000 |
| Warren County Missouri | 51 | $ 5,919,000 | $ 116,000 | $ 76,000 |
| Washington County Missouri | 50 | $ 4,164,000 | $ 83,000 | $ 57,000 |
| New Madrid County Missouri | 49 | $ 4,170,000 | $ 85,000 | $ 50,000 |
| Ste. Genevieve County Missouri | 45 | $ 5,106,000 | $ 113,000 | $ 62,000 |
| Iron County Missouri | 43 | $ 2,879,000 | $ 66,000 | $ 53,000 |
| St. Louis County Missouri | 40 | $ 6,907,000 | $ 172,000 | $ 39,000 |
| St. Charles County Missouri | 35 | $ 4,502,000 | $ 128,000 | $ 53,000 |
| Crawford County Missouri | 31 | $ 5,328,000 | $ 171,000 | $ 61,000 |
| Gasconade County Missouri | 29 | $ 2,857,000 | $ 98,000 | $ 53,000 |
| Boone County Missouri | 28 | $ 4,495,000 | $ 160,000 | $ 129,000 |
| Monroe County Missouri | 17 | $ 923,000 | $ 54,000 | $ 0 |
| Bollinger County Missouri | 15 | $ 1,330,000 | $ 88,000 | $ 61,000 |
| Adair County Missouri | 14 | $ 1,047,000 | $ 74,000 | $ 0 |
| Lincoln County Missouri | 13 | $ 2,170,000 | $ 166,000 | $ 49,000 |
| Stoddard County Missouri | 11 | $ 1,127,000 | $ 102,000 | $ 55,000 |
| Cooper County Missouri | 10 | $ 958,000 | $ 95,000 | $ 22,000 |
| Randolph County Missouri | 10 | $ 1,322,000 | $ 132,000 | $ 110,000 |
| Pemiscot County Missouri | 8 | $ 355,000 | $ 44,000 | $ 40,000 |
| Pulaski County Missouri | 8 | $ 2,144,000 | $ 268,000 | $ 63,000 |
| St. Louis City County Missouri | 8 | $ 700,000 | $ 87,000 | $ 44,000 |
| Camden County Missouri | 7 | $ 1,552,000 | $ 221,000 | $ 66,000 |
| Montgomery County Missouri | 6 | $ 439,000 | $ 73,000 | $ 50,000 |
| Ralls County Missouri | 6 | $ 365,000 | $ 60,000 | $ 0 |
| Wayne County Missouri | 6 | $ 407,000 | $ 67,000 | $ 87,000 |
| Howard County Missouri | 5 | $ 266,000 | $ 53,000 | $ 14,000 |
| Marion County Missouri | 5 | $ 273,000 | $ 54,000 | $ 0 |
| Reynolds County Missouri | 5 | $ 320,000 | $ 64,000 | $ 82,000 |
| Audrain County Missouri | 4 | $ 471,000 | $ 117,000 | $ 40,000 |
| Butler County Missouri | 4 | $ 1,085,000 | $ 271,000 | $ 123,000 |
| Dent County Missouri | 4 | $ 2,411,000 | $ 602,000 | $ 37,000 |
| Mississippi County Missouri | 4 | $ 564,000 | $ 141,000 | $ 220,000 |
| Laclede County Missouri | 3 | $ 186,000 | $ 62,000 | $ 60,000 |
| Stone County Missouri | 3 | $ 719,000 | $ 239,000 | $ 0 |
| Okaloosa County Florida | 2 | $ 256,000 | $ 128,000 | $ 70,000 |
| McCracken County Kentucky | 2 | $ 264,000 | $ 132,000 | $ 57,000 |
| Jackson County Missouri | 2 | $ 188,000 | $ 94,000 | $ 14,000 |
| Morgan County Missouri | 2 | $ 181,000 | $ 90,000 | $ 39,000 |
| Shannon County Missouri | 2 | $ 134,000 | $ 67,000 | $ 150,000 |
| Taney County Missouri | 2 | $ 104,000 | $ 52,000 | $ 92,000 |
| Benton County Tennessee | 2 | $ 174,000 | $ 87,000 | $ 122,000 |
| Clay County Arkansas | 1 | $ 133,000 | $ 133,000 | $ 73,000 |
| Greene County Arkansas | 1 | $ 44,000 | $ 44,000 | $ 104,000 |
| Charlotte County Florida | 1 | $ 163,000 | $ 163,000 | $ 41,000 |
| Monroe County Florida | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Madison County Illinois | 1 | $ 417,000 | $ 417,000 | $ 220,000 |
| Randolph County Illinois | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Harrison County Mississippi | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Carter County Missouri | 1 | $ 12,000 | $ 12,000 | $ 98,000 |
| Greene County Missouri | 1 | $ 98,000 | $ 98,000 | $ 84,000 |
| Knox County Missouri | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Macon County Missouri | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Maries County Missouri | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Miller County Missouri | 1 | $ 84,000 | $ 84,000 | $ 73,000 |
| Pettis County Missouri | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Polk County Missouri | 1 | $ 71,000 | $ 71,000 | $ 65,000 |
| Shelby County Missouri | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Texas County Missouri | 1 | $ 60,000 | $ 60,000 | $ 87,000 |
| Love County Oklahoma | 1 | $ 247,000 | $ 247,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for First State Community Bank in 2015
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 | 950 | $111,795,000 | $117,000 | $2,000,000 | $60,000 | $861,000 |
| Refinancing | 576 | $87,400,000 | $151,000 | $2,200,000 | $67,000 | $706,000 |
| Home Improvement | 291 | $19,026,000 | $65,000 | $668,000 | $61,000 | $499,000 |
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 | 1,511 | $173,261,000 | $114,000 | $2,000,000 | $72,000 | $861,000 |
| Not applicable | 242 | $37,865,000 | $156,000 | $2,200,000 | $0 | $0 |
| Black or African American | 19 | $1,876,000 | $98,000 | $417,000 | $62,000 | $220,000 |
| Hispanic | 15 | $1,368,000 | $91,000 | $300,000 | $61,000 | $290,000 |
| Not Provided | 13 | $1,444,000 | $111,000 | $280,000 | $78,000 | $254,000 |
| American Indian or Alaskan Native | 9 | $1,076,000 | $119,000 | $451,000 | $97,000 | $190,000 |
| Asian | 8 | $1,331,000 | $166,000 | $330,000 | $83,000 | $156,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,677 | $204,055,000 | $121,000 | $2,200,000 | $64,000 | $861,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 93 | $8,851,000 | $95,000 | $227,000 | $39,000 | $135,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,601,000 | $109,000 | $245,000 | $52,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,714,000 | $122,000 | $327,000 | $64,000 | $159,000 |
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 | 1,105 | $135,740,000 | $122,000 | $1,871,000 | $67,000 | $706,000 |
| Application Denied By Financial Institution | 323 | $37,615,000 | $116,000 | $2,200,000 | $51,000 | $679,000 |
| Application Withdrawn By Applicant | 267 | $34,464,000 | $129,000 | $2,000,000 | $71,000 | $861,000 |
| Application Approved But Not Accepted | 66 | $6,530,000 | $98,000 | $450,000 | $68,000 | $407,000 |
| Loan Purchased By The Institution | 56 | $3,872,000 | $69,000 | $273,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 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 State Community Bank's 2015 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 State 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.