Town & Country Bank Mortgage Lending & HMDA Data, 2012
In 2012, Town & Country Bank of Salem, MO reported 647 mortgage applications totaling $81.3 million, up 16% from 2011. The average application was for $125,632, and applicants reported an average income of $69,145. 77% of its applications resulted in an originated loan and 17% were denied. Its largest markets were St. Louis, MO-IL (52), Springfield, MO (28) and Columbia, 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 | 647 |
| Total Mortgage Loan Application Amount | $81,284,000 |
| Average Mortgage Loan Application Amount | $125,632 |
| Highest Mortgage Loan Application Amount | $4,650,000 |
| Average Applicant Income | $69,145 |
| Highest Applicant Income | $492,000 |
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Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 180 | $ 23,277,000 | $ 129,316 | $ 78,000 |
| Dent, Missouri | 94 | $ 7,597,000 | $ 80,819 | $ 65,000 |
| Texas, Missouri | 88 | $ 8,405,000 | $ 95,511 | $ 55,000 |
| Douglas, Missouri | 61 | $ 5,431,000 | $ 89,032 | $ 60,000 |
| Wright, Missouri | 50 | $ 6,662,000 | $ 133,240 | $ 64,000 |
| Crawford, Missouri | 46 | $ 5,367,000 | $ 116,673 | $ 50,000 |
| Jefferson, Missouri | 18 | $ 2,964,000 | $ 164,666 | $ 86,000 |
| Franklin, Missouri | 13 | $ 3,054,000 | $ 234,923 | $ 108,000 |
| Greene, Missouri | 10 | $ 5,638,000 | $ 563,800 | $ 74,000 |
| Ozark, Missouri | 10 | $ 786,000 | $ 78,600 | $ 53,000 |
| St. Louis, Missouri | 10 | $ 2,886,000 | $ 288,600 | $ 154,000 |
| Webster, Missouri | 10 | $ 1,463,000 | $ 146,300 | $ 58,000 |
| Christian, Missouri | 8 | $ 738,000 | $ 92,250 | $ 70,000 |
| Reynolds, Missouri | 7 | $ 324,000 | $ 46,285 | $ 46,000 |
| St. Louis City, Missouri | 7 | $ 616,000 | $ 88,000 | $ 165,000 |
| Maries, Missouri | 6 | $ 1,173,000 | $ 195,500 | $ 66,000 |
| Shannon, Missouri | 6 | $ 416,000 | $ 69,333 | $ 34,000 |
| Pulaski, Missouri | 5 | $ 1,491,000 | $ 298,200 | $ 87,000 |
| Iron, Missouri | 4 | $ 168,000 | $ 42,000 | $ 33,000 |
| Howell, Missouri | 3 | $ 433,000 | $ 144,333 | $ 77,000 |
| St. Charles, Missouri | 3 | $ 748,000 | $ 249,333 | $ 113,000 |
| Boone, Missouri | 1 | $ 123,000 | $ 123,000 | $ 80,000 |
| Gasconade, Missouri | 1 | $ 254,000 | $ 254,000 | $ 66,000 |
| Jackson, Missouri | 1 | $ 167,000 | $ 167,000 | $ 74,000 |
| Laclede, Missouri | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Osage, Missouri | 1 | $ 516,000 | $ 516,000 | $ 0 |
| St. Francois, Missouri | 1 | $ 200,000 | $ 200,000 | $ 300,000 |
| Taney, Missouri | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Washington, Missouri | 1 | $ 32,000 | $ 32,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 318 | $51,528,000 | $162,000 | $4,650,000 | $73,000 | $428,000 |
| Home Purchase | 277 | $25,154,000 | $90,000 | $360,000 | $67,000 | $492,000 |
| Home Improvement | 52 | $4,602,000 | $88,000 | $516,000 | $57,000 | $272,000 |
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 | 604 | $67,585,000 | $111,000 | $1,033,000 | $73,000 | $492,000 |
| Not applicable | 28 | $11,368,000 | $406,000 | $4,650,000 | $0 | $0 |
| Asian | 7 | $1,024,000 | $146,000 | $209,000 | $65,000 | $120,000 |
| Not Provided | 4 | $594,000 | $148,000 | $332,000 | $67,000 | $163,000 |
| American Indian or Alaskan Native | 2 | $294,000 | $147,000 | $170,000 | $80,000 | $88,000 |
| Black or African American | 2 | $419,000 | $209,000 | $295,000 | $5,000 | $5,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 636 | $80,024,000 | $125,000 | $4,650,000 | $70,000 | $492,000 |
| FHA-insured (Federal Housing Administration) | 6 | $809,000 | $134,000 | $295,000 | $18,000 | $33,000 |
| VA-guaranteed (Veterans Administration) | 3 | $335,000 | $111,000 | $171,000 | $60,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $116,000 | $58,000 | $76,000 | $25,000 | $32,000 |
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 | 500 | $65,034,000 | $130,000 | $4,650,000 | $74,000 | $492,000 |
| Application Denied By Financial Institution | 110 | $11,537,000 | $104,000 | $1,013,000 | $47,000 | $300,000 |
| Application Approved But Not Accepted | 22 | $3,046,000 | $138,000 | $1,033,000 | $81,000 | $366,000 |
| Application Withdrawn By Applicant | 15 | $1,667,000 | $111,000 | $430,000 | $59,000 | $156,000 |
| 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 2012 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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