Town & Country Bank Mortgage Lending & HMDA Data, 2011
In 2011, Town & Country Bank of Salem, MO reported 560 mortgage applications totaling $62.2 million. The average application was for $110,994, and applicants reported an average income of $64,614. 74% of its applications resulted in an originated loan and 19% were denied. Its largest markets were St. Louis, MO-IL (37), Springfield, MO (8) and Jefferson City, MO (1) (applications in parentheses).
| 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 | 560 |
| Total Mortgage Loan Application Amount | $62,157,000 |
| Average Mortgage Loan Application Amount | $110,994 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $64,614 |
| Highest Applicant Income | $1,033,000 |
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Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phelps, Missouri | 143 | $ 16,862,000 | $ 117,916 | $ 74,000 |
| Dent, Missouri | 107 | $ 7,525,000 | $ 70,327 | $ 58,000 |
| Texas, Missouri | 80 | $ 6,550,000 | $ 81,875 | $ 55,000 |
| Crawford, Missouri | 56 | $ 5,997,000 | $ 107,089 | $ 54,000 |
| Wright, Missouri | 47 | $ 6,196,000 | $ 131,829 | $ 78,000 |
| Douglas, Missouri | 38 | $ 3,372,000 | $ 88,736 | $ 51,000 |
| Jefferson, Missouri | 12 | $ 2,225,000 | $ 185,416 | $ 74,000 |
| Franklin, Missouri | 11 | $ 1,343,000 | $ 122,090 | $ 60,000 |
| Maries, Missouri | 9 | $ 1,343,000 | $ 149,222 | $ 107,000 |
| St. Louis, Missouri | 8 | $ 2,766,000 | $ 345,750 | $ 63,000 |
| Taney, Missouri | 6 | $ 2,799,000 | $ 466,500 | $ 30,000 |
| Shannon, Missouri | 5 | $ 524,000 | $ 104,800 | $ 49,000 |
| Ozark, Missouri | 4 | $ 586,000 | $ 146,500 | $ 26,000 |
| Reynolds, Missouri | 4 | $ 561,000 | $ 140,250 | $ 74,000 |
| Christian, Missouri | 3 | $ 282,000 | $ 94,000 | $ 57,000 |
| Gasconade, Missouri | 3 | $ 473,000 | $ 157,666 | $ 62,000 |
| Washington, Missouri | 3 | $ 262,000 | $ 87,333 | $ 62,000 |
| Greene, Missouri | 2 | $ 177,000 | $ 88,500 | $ 41,000 |
| Pulaski, Missouri | 2 | $ 427,000 | $ 213,500 | $ 243,000 |
| Webster, Missouri | 2 | $ 85,000 | $ 42,500 | $ 46,000 |
| Sonoma, California | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Monroe, Illinois | 1 | $ 127,000 | $ 127,000 | $ 106,000 |
| Vigo, Indiana | 1 | $ 117,000 | $ 117,000 | $ 79,000 |
| Callaway, Missouri | 1 | $ 307,000 | $ 307,000 | $ 104,000 |
| Camden, Missouri | 1 | $ 122,000 | $ 122,000 | $ 294,000 |
| Hickory, Missouri | 1 | $ 40,000 | $ 40,000 | $ 88,000 |
| Howell, Missouri | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Johnson, Missouri | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Laclede, Missouri | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Polk, Missouri | 1 | $ 59,000 | $ 59,000 | $ 20,000 |
| Ripley, Missouri | 1 | $ 144,000 | $ 144,000 | $ 98,000 |
| St. Charles, Missouri | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| St. Louis City, Missouri | 1 | $ 24,000 | $ 24,000 | $ 65,000 |
| Ste. Genevieve, Missouri | 1 | $ 37,000 | $ 37,000 | $ 216,000 |
| Stone, Missouri | 1 | $ 36,000 | $ 36,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank in 2011
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 | 252 | $25,086,000 | $99,000 | $850,000 | $71,000 | $1,033,000 |
| Refinancing | 237 | $33,062,000 | $139,000 | $1,500,000 | $64,000 | $559,000 |
| Home Improvement | 71 | $4,009,000 | $56,000 | $231,000 | $44,000 | $138,000 |
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 | 499 | $48,965,000 | $98,000 | $550,000 | $67,000 | $1,033,000 |
| Not applicable | 30 | $9,553,000 | $318,000 | $1,500,000 | $0 | $0 |
| Not Provided | 15 | $1,761,000 | $117,000 | $417,000 | $75,000 | $152,000 |
| Hispanic | 9 | $1,041,000 | $115,000 | $245,000 | $65,000 | $158,000 |
| American Indian or Alaskan Native | 3 | $105,000 | $35,000 | $72,000 | $27,000 | $44,000 |
| Asian | 3 | $597,000 | $199,000 | $367,000 | $176,000 | $459,000 |
| Black or African American | 1 | $135,000 | $135,000 | $135,000 | $68,000 | $68,000 |
| 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) | 558 | $61,926,000 | $110,000 | $1,500,000 | $64,000 | $1,033,000 |
| FHA-insured (Federal Housing Administration) | 1 | $149,000 | $149,000 | $149,000 | $72,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $82,000 | $82,000 | $82,000 | $32,000 | $32,000 |
| 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 | 412 | $47,603,000 | $115,000 | $1,500,000 | $69,000 | $1,033,000 |
| Application Denied By Financial Institution | 109 | $10,628,000 | $97,000 | $550,000 | $48,000 | $381,000 |
| Application Approved But Not Accepted | 22 | $2,535,000 | $115,000 | $417,000 | $69,000 | $244,000 |
| Application Withdrawn By Applicant | 17 | $1,391,000 | $81,000 | $226,000 | $59,000 | $134,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2011 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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