Town & Country Bank Mortgage Lending & HMDA Data, 2025
In 2025, Town & Country Bank of Salem, MO reported 296 mortgage applications totaling $54.8 million, down 14% from 2024. The average application was for $185,135, and applicants reported an average income of $149,000. 81% of its applications resulted in an originated loan and 8% were denied. Its largest market was St. Louis, MO-IL (42).
| Mortgage Company & Address | Town & Country Bank Po Box 349 Salem, MO 65560 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 296 |
| Total Mortgage Loan Application Amount | $54,800,000 |
| Average Mortgage Loan Application Amount | $185,135 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $149,000 |
| Highest Applicant Income | $3,464,000 |
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Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Town & Country Bank in 2025
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 | 168 | $35,610,000 | $211,000 | $935,000 | $177,000 | $3,464,000 |
| Refinancing | 92 | $16,740,000 | $181,000 | $1,505,000 | $109,000 | $555,000 |
| Other Purpose | 19 | $1,605,000 | $84,000 | $365,000 | $164,000 | $1,845,000 |
| Home Improvement | 17 | $845,000 | $49,000 | $235,000 | $72,000 | $218,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 226 | $37,860,000 | $167,000 | $1,505,000 | $145,000 | $3,464,000 |
| Not applicable | 57 | $14,425,000 | $253,000 | $1,055,000 | $0 | $0 |
| Asian | 5 | $1,405,000 | $281,000 | $665,000 | $481,000 | $1,354,000 |
| Hispanic | 5 | $635,000 | $127,000 | $275,000 | $94,000 | $279,000 |
| Not Provided | 2 | $310,000 | $155,000 | $185,000 | $72,000 | $101,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 288 | $53,260,000 | $184,000 | $1,505,000 | $152,000 | $3,464,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,050,000 | $175,000 | $255,000 | $83,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 2 | $490,000 | $245,000 | $295,000 | $43,000 | $52,000 |
| FHA-insured (Federal Housing 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 | 240 | $46,690,000 | $194,000 | $1,505,000 | $158,000 | $3,464,000 |
| Application Denied By Financial Institution | 24 | $2,620,000 | $109,000 | $455,000 | $66,000 | $174,000 |
| Application Approved But Not Accepted | 20 | $3,550,000 | $177,000 | $645,000 | $198,000 | $1,354,000 |
| Application Withdrawn By Applicant | 12 | $1,940,000 | $161,000 | $335,000 | $117,000 | $216,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 296 | $54,800,000 | $185,000 | $1,505,000 | $150,000 | $3,464,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Town & Country Bank's 2025 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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