First State Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First State Community Bank 2020 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 | 4,289 |
| Total Mortgage Loan Application Amount | $772,305,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $11,505,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $2,614,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 744 | $ 102,150,000 | $ 137,000 | $ 86,000 |
| Jefferson County Missouri | 477 | $ 79,365,000 | $ 166,000 | $ 87,000 |
| Cape Girardeau County Missouri | 418 | $ 78,360,000 | $ 187,000 | $ 94,000 |
| Franklin County Missouri | 268 | $ 58,640,000 | $ 218,000 | $ 95,000 |
| Laclede County Missouri | 263 | $ 34,495,000 | $ 131,000 | $ 77,000 |
| Perry County Missouri | 193 | $ 28,885,000 | $ 149,000 | $ 81,000 |
| Boone County Missouri | 162 | $ 45,130,000 | $ 278,000 | $ 138,000 |
| Washington County Missouri | 149 | $ 17,645,000 | $ 118,000 | $ 75,000 |
| Warren County Missouri | 137 | $ 27,525,000 | $ 200,000 | $ 116,000 |
| Madison County Missouri | 118 | $ 14,900,000 | $ 126,000 | $ 86,000 |
| Ste. Genevieve County Missouri | 114 | $ 18,540,000 | $ 162,000 | $ 89,000 |
| Dunklin County Missouri | 101 | $ 8,535,000 | $ 84,000 | $ 70,000 |
| Scott County Missouri | 95 | $ 19,075,000 | $ 200,000 | $ 138,000 |
| Gasconade County Missouri | 92 | $ 12,420,000 | $ 135,000 | $ 73,000 |
| St. Louis County Missouri | 89 | $ 18,335,000 | $ 206,000 | $ 122,000 |
| Randolph County Missouri | 64 | $ 6,040,000 | $ 94,000 | $ 71,000 |
| Iron County Missouri | 62 | $ 6,120,000 | $ 98,000 | $ 82,000 |
| New Madrid County Missouri | 53 | $ 4,915,000 | $ 92,000 | $ 78,000 |
| St. Charles County Missouri | 51 | $ 10,605,000 | $ 207,000 | $ 139,000 |
| Audrain County Missouri | 46 | $ 5,040,000 | $ 109,000 | $ 86,000 |
| Phelps County Missouri | 41 | $ 5,825,000 | $ 142,000 | $ 80,000 |
| Crawford County Missouri | 39 | $ 16,155,000 | $ 414,000 | $ 73,000 |
| Harris County Texas | 33 | $ 24,895,000 | $ 754,000 | $ 0 |
| Macon County Missouri | 29 | $ 3,355,000 | $ 115,000 | $ 75,000 |
| Camden County Missouri | 28 | $ 6,080,000 | $ 217,000 | $ 209,000 |
| Bollinger County Missouri | 27 | $ 3,155,000 | $ 116,000 | $ 87,000 |
| Saline County Missouri | 26 | $ 2,040,000 | $ 78,000 | $ 55,000 |
| Lincoln County Missouri | 20 | $ 3,080,000 | $ 154,000 | $ 82,000 |
| Dallas County Texas | 16 | $ 14,330,000 | $ 895,000 | $ 0 |
| Tarrant County Texas | 16 | $ 11,440,000 | $ 715,000 | $ 0 |
| Denton County Texas | 15 | $ 9,935,000 | $ 662,000 | $ 0 |
| Monroe County Missouri | 14 | $ 1,450,000 | $ 103,000 | $ 51,000 |
| St. Louis City County Missouri | 14 | $ 2,430,000 | $ 173,000 | $ 133,000 |
| Stoddard County Missouri | 14 | $ 1,760,000 | $ 125,000 | $ 85,000 |
| Greene County Missouri | 12 | $ 1,460,000 | $ 121,000 | $ 91,000 |
| Pulaski County Missouri | 12 | $ 1,230,000 | $ 102,000 | $ 102,000 |
| Webster County Missouri | 12 | $ 1,580,000 | $ 131,000 | $ 69,000 |
| Cooper County Missouri | 11 | $ 2,915,000 | $ 265,000 | $ 83,000 |
| Dallas County Missouri | 11 | $ 1,615,000 | $ 146,000 | $ 84,000 |
| Collin County Texas | 11 | $ 6,685,000 | $ 607,000 | $ 0 |
| Callaway County Missouri | 10 | $ 1,620,000 | $ 162,000 | $ 86,000 |
| Pemiscot County Missouri | 10 | $ 790,000 | $ 79,000 | $ 64,000 |
| Montgomery County Missouri | 9 | $ 1,025,000 | $ 113,000 | $ 94,000 |
| Cole County Missouri | 8 | $ 1,310,000 | $ 163,000 | $ 94,000 |
| Mississippi County Missouri | 8 | $ 540,000 | $ 67,000 | $ 72,000 |
| Travis County Texas | 8 | $ 5,630,000 | $ 703,000 | $ 0 |
| Reynolds County Missouri | 6 | $ 490,000 | $ 81,000 | $ 99,000 |
| Parker County Texas | 6 | $ 3,540,000 | $ 590,000 | $ 0 |
| Adair County Missouri | 5 | $ 425,000 | $ 85,000 | $ 44,000 |
| Benton County Missouri | 5 | $ 335,000 | $ 67,000 | $ 79,000 |
| Howard County Missouri | 5 | $ 315,000 | $ 63,000 | $ 22,000 |
| Miller County Missouri | 5 | $ 765,000 | $ 153,000 | $ 111,000 |
| Osage County Missouri | 5 | $ 1,355,000 | $ 271,000 | $ 81,000 |
| Benton County Arkansas | 4 | $ 980,000 | $ 245,000 | $ 287,000 |
| Butler County Missouri | 4 | $ 2,090,000 | $ 522,000 | $ 52,000 |
| Moniteau County Missouri | 4 | $ 400,000 | $ 100,000 | $ 53,000 |
| Tulsa County Oklahoma | 4 | $ 2,660,000 | $ 665,000 | $ 0 |
| Montgomery County Texas | 4 | $ 2,760,000 | $ 690,000 | $ 0 |
| Alexander County Illinois | 3 | $ 285,000 | $ 95,000 | $ 81,000 |
| Christian County Missouri | 3 | $ 515,000 | $ 171,000 | $ 72,000 |
| Jackson County Missouri | 3 | $ 595,000 | $ 198,000 | $ 215,000 |
| Maries County Missouri | 3 | $ 325,000 | $ 108,000 | $ 50,000 |
| Morgan County Missouri | 3 | $ 945,000 | $ 315,000 | $ 181,000 |
| Stone County Missouri | 3 | $ 415,000 | $ 138,000 | $ 278,000 |
| Wright County Missouri | 3 | $ 395,000 | $ 131,000 | $ 42,000 |
| Oklahoma County Oklahoma | 3 | $ 2,035,000 | $ 678,000 | $ 0 |
| Bexar County Texas | 3 | $ 1,955,000 | $ 651,000 | $ 0 |
| Comal County Texas | 3 | $ 1,945,000 | $ 648,000 | $ 0 |
| Barry County Missouri | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| Carter County Missouri | 2 | $ 120,000 | $ 60,000 | $ 106,000 |
| Chariton County Missouri | 2 | $ 150,000 | $ 75,000 | $ 204,000 |
| Dent County Missouri | 2 | $ 50,000 | $ 25,000 | $ 292,000 |
| Pike County Missouri | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Shannon County Missouri | 2 | $ 410,000 | $ 205,000 | $ 73,000 |
| Wayne County Missouri | 2 | $ 80,000 | $ 40,000 | $ 124,000 |
| Hood County Texas | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Rockwall County Texas | 2 | $ 1,150,000 | $ 575,000 | $ 0 |
| Williamson County Texas | 2 | $ 980,000 | $ 490,000 | $ 0 |
| Clay County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Fulton County Arkansas | 1 | $ 355,000 | $ 355,000 | $ 191,000 |
| Independence County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Collier County Florida | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Volusia County Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Saline County Illinois | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| St. Clair County Illinois | 1 | $ 35,000 | $ 35,000 | $ 15,000 |
| Cass County Missouri | 1 | $ 105,000 | $ 105,000 | $ 288,000 |
| Lafayette County Missouri | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Lawrence County Missouri | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lewis County Missouri | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Linn County Missouri | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Livingston County Missouri | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Polk County Missouri | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Putnam County Missouri | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Ripley County Missouri | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Shelby County Missouri | 1 | $ 5,000 | $ 5,000 | $ 22,000 |
| Sullivan County Missouri | 1 | $ 325,000 | $ 325,000 | $ 60,000 |
| Texas County Missouri | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Cleveland County Oklahoma | 1 | $ 545,000 | $ 545,000 | $ 0 |
| McClain County Oklahoma | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Pottawatomie County Oklahoma | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Rogers County Oklahoma | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 245,000 | $ 245,000 | $ 176,000 |
| Dyer County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 127,000 |
| Shelby County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 55,000 |
| Cooke County Texas | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Grimes County Texas | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Hays County Texas | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Clark County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Vilas County Wisconsin | 1 | $ 6,305,000 | $ 6,305,000 | $ 0 |
Mortgage Loan Application Detail Totals for First State Community Bank in 2020
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 | 1,754 | $318,680,000 | $181,000 | $6,305,000 | $84,000 | $2,266,000 |
| Refinancing | 1,504 | $329,680,000 | $219,000 | $11,505,000 | $95,000 | $2,614,000 |
| Cash-out Refinancing | 496 | $92,130,000 | $185,000 | $1,355,000 | $95,000 | $1,805,000 |
| Home Improvement | 299 | $14,825,000 | $49,000 | $305,000 | $94,000 | $759,000 |
| Other Purpose | 236 | $16,990,000 | $71,000 | $515,000 | $102,000 | $1,218,000 |
| 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 | 3,640 | $539,440,000 | $148,000 | $4,195,000 | $91,000 | $2,614,000 |
| Not applicable | 449 | $206,335,000 | $459,000 | $11,505,000 | $0 | $0 |
| Not Provided | 110 | $15,600,000 | $141,000 | $1,605,000 | $83,000 | $345,000 |
| Hispanic | 39 | $4,935,000 | $126,000 | $415,000 | $88,000 | $812,000 |
| Black or African American | 32 | $3,130,000 | $97,000 | $315,000 | $56,000 | $170,000 |
| Asian | 11 | $2,085,000 | $189,000 | $425,000 | $103,000 | $493,000 |
| American Indian or Alaskan Native | 5 | $345,000 | $69,000 | $165,000 | $96,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $32,000 | $32,000 |
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) | 4,076 | $746,880,000 | $183,000 | $11,505,000 | $94,000 | $2,614,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 184 | $21,320,000 | $115,000 | $265,000 | $42,000 | $128,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,070,000 | $127,000 | $275,000 | $56,000 | $134,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,035,000 | $207,000 | $375,000 | $70,000 | $90,000 |
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 | 2,826 | $485,000,000 | $171,000 | $11,505,000 | $99,000 | $2,614,000 |
| Application Withdrawn By Applicant | 724 | $112,260,000 | $155,000 | $755,000 | $89,000 | $2,266,000 |
| Application Denied By Financial Institution | 564 | $74,400,000 | $131,000 | $585,000 | $61,000 | $1,805,000 |
| Loan Purchased By The Institution | 136 | $95,140,000 | $699,000 | $3,725,000 | $0 | $0 |
| Application Approved But Not Accepted | 38 | $5,490,000 | $144,000 | $1,445,000 | $84,000 | $459,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $64,000 | $64,000 |
| 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 | 3,725 | $697,905,000 | $187,000 | $11,505,000 | $96,000 | $2,614,000 |
| Debt-To-Income Ratio | 272 | $42,310,000 | $155,000 | $585,000 | $49,000 | $252,000 |
| Credit History | 204 | $21,320,000 | $104,000 | $375,000 | $62,000 | $266,000 |
| Collateral | 50 | $6,160,000 | $123,000 | $325,000 | $84,000 | $425,000 |
| Other | 18 | $1,980,000 | $110,000 | $355,000 | $164,000 | $1,805,000 |
| Employment History | 13 | $1,765,000 | $135,000 | $345,000 | $50,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $350,000 | $87,000 | $205,000 | $56,000 | $116,000 |
| Unverifiable Information | 3 | $515,000 | $171,000 | $195,000 | $88,000 | $96,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Community Bank's 2020 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.
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with aggregated HMDA statistics today.