Town & Country Bank Mortgage Lending & HMDA Data, 2003
In 2003, Town & Country Bank of Republic, MO reported 89 mortgage applications totaling $6.9 million. The average application was for $77,887, and applicants reported an average income of $39,483. 64% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Springfield, MO (59) and Joplin, MO (2).
| Mortgage Company & Address | Town & Country Bank P O Box 490 Republic, MO 65738 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 89 |
| Total Mortgage Loan Application Amount | $6,932,000 |
| Average Mortgage Loan Application Amount | $77,887 |
| Highest Mortgage Loan Application Amount | $224,000 |
| Average Applicant Income | $39,483 |
| Highest Applicant Income | $169,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Springfield, MO | 59 | $ 4,796,000 | $ 81,288 | $ 44,000 |
| Joplin, MO | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank in 2003
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 (one-to-four family) | 55 | $4,639,000 | $89,000 | $224,000 | $38,500 | $127,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 32 | $2,262,000 | $42,500 | $151,000 | $52,000 | $169,000 |
| Home Improvement (one-to-four family) | 2 | $31,000 | $15,500 | $16,000 | $78,500 | $103,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 84 | $6,666,000 | $80,000 | $224,000 | $46,000 | $169,000 |
| Information not provided by applicant in mail or telephone application | 4 | $202,000 | $50,000 | $75,000 | $13,000 | $35,000 |
| Not applicable | 1 | $64,000 | $64,000 | $64,000 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 89 | $6,932,000 | $79,000 | $224,000 | $43,500 | $169,000 |
| 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 | 57 | $4,425,000 | $77,000 | $224,000 | $39,000 | $169,000 |
| Application Denied By Financial Institution | 21 | $1,585,000 | $77,500 | $190,000 | $44,000 | $125,000 |
| Application Withdrawn By Applicant | 6 | $377,000 | $62,500 | $104,000 | $42,000 | $68,000 |
| File Closed For Incompleteness | 5 | $545,000 | $111,000 | $218,000 | $27,000 | $59,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 Town & Country Bank's 2003 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 Town & Country 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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