Town & Country Bank Mortgage Lending & HMDA Data, 2013
In 2013, Town & Country Bank of Salem, MO reported 544 mortgage applications totaling $59.8 million, down 16% from 2012. The average application was for $109,897, and applicants reported an average income of $63,229. 71% of its applications resulted in an originated loan and 21% were denied. Its largest markets were St. Louis, MO-IL (60), Springfield, MO (19) and Jefferson City, MO (2) (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 | 544 |
| Total Mortgage Loan Application Amount | $59,784,000 |
| Average Mortgage Loan Application Amount | $109,897 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $63,229 |
| Highest Applicant Income | $618,000 |
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Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 116 | $ 13,615,000 | $ 117,370 | $ 68,000 |
| Dent, Missouri | 102 | $ 7,710,000 | $ 75,588 | $ 57,000 |
| Texas, Missouri | 74 | $ 5,638,000 | $ 76,189 | $ 52,000 |
| Douglas, Missouri | 47 | $ 4,838,000 | $ 102,936 | $ 64,000 |
| Crawford, Missouri | 45 | $ 4,558,000 | $ 101,288 | $ 49,000 |
| Wright, Missouri | 27 | $ 2,812,000 | $ 104,148 | $ 58,000 |
| Jefferson, Missouri | 22 | $ 4,305,000 | $ 195,681 | $ 56,000 |
| St. Louis, Missouri | 15 | $ 3,598,000 | $ 239,866 | $ 130,000 |
| Franklin, Missouri | 14 | $ 1,627,000 | $ 116,214 | $ 74,000 |
| Maries, Missouri | 13 | $ 2,785,000 | $ 214,230 | $ 78,000 |
| Greene, Missouri | 9 | $ 969,000 | $ 107,666 | $ 72,000 |
| Shannon, Missouri | 9 | $ 592,000 | $ 65,777 | $ 66,000 |
| Webster, Missouri | 7 | $ 1,019,000 | $ 145,571 | $ 11,000 |
| Iron, Missouri | 6 | $ 426,000 | $ 71,000 | $ 61,000 |
| Reynolds, Missouri | 5 | $ 321,000 | $ 64,200 | $ 41,000 |
| Ozark, Missouri | 4 | $ 445,000 | $ 111,250 | $ 56,000 |
| St. Louis City, Missouri | 4 | $ 260,000 | $ 65,000 | $ 172,000 |
| Camden, Missouri | 3 | $ 344,000 | $ 114,666 | $ 114,000 |
| Christian, Missouri | 3 | $ 291,000 | $ 97,000 | $ 34,000 |
| Pulaski, Missouri | 3 | $ 536,000 | $ 178,666 | $ 182,000 |
| Laclede, Missouri | 2 | $ 830,000 | $ 415,000 | $ 12,000 |
| St. Francois, Missouri | 2 | $ 178,000 | $ 89,000 | $ 54,000 |
| Washington, Missouri | 2 | $ 120,000 | $ 60,000 | $ 32,000 |
| Madison, Illinois | 1 | $ 152,000 | $ 152,000 | $ 101,000 |
| Monroe, Illinois | 1 | $ 121,000 | $ 121,000 | $ 91,000 |
| Vigo, Indiana | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Cole, Missouri | 1 | $ 262,000 | $ 262,000 | $ 134,000 |
| Gasconade, Missouri | 1 | $ 310,000 | $ 310,000 | $ 178,000 |
| Morgan, Missouri | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Oregon, Missouri | 1 | $ 13,000 | $ 13,000 | $ 13,000 |
| Osage, Missouri | 1 | $ 643,000 | $ 643,000 | $ 0 |
| St. Charles, Missouri | 1 | $ 264,000 | $ 264,000 | $ 125,000 |
| Taney, Missouri | 1 | $ 52,000 | $ 52,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank in 2013
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 | 258 | $24,117,000 | $93,000 | $1,027,000 | $59,000 | $501,000 |
| Refinancing | 219 | $29,214,000 | $133,000 | $1,600,000 | $64,000 | $618,000 |
| Home Improvement | 67 | $6,453,000 | $96,000 | $750,000 | $77,000 | $510,000 |
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 | 503 | $49,875,000 | $99,000 | $880,000 | $65,000 | $618,000 |
| Not applicable | 26 | $8,378,000 | $322,000 | $1,600,000 | $0 | $0 |
| Asian | 6 | $452,000 | $75,000 | $127,000 | $131,000 | $501,000 |
| Not Provided | 4 | $481,000 | $120,000 | $200,000 | $62,000 | $98,000 |
| American Indian or Alaskan Native | 2 | $278,000 | $139,000 | $213,000 | $104,000 | $180,000 |
| Hispanic | 2 | $220,000 | $110,000 | $110,000 | $82,000 | $132,000 |
| Black or African American | 1 | $100,000 | $100,000 | $100,000 | $98,000 | $98,000 |
| 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) | 535 | $59,026,000 | $110,000 | $1,600,000 | $63,000 | $618,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $313,000 | $78,000 | $126,000 | $37,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 3 | $198,000 | $66,000 | $72,000 | $34,000 | $52,000 |
| FHA-insured (Federal Housing Administration) | 2 | $247,000 | $123,000 | $196,000 | $65,000 | $79,000 |
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 | 387 | $42,878,000 | $110,000 | $880,000 | $70,000 | $618,000 |
| Application Denied By Financial Institution | 116 | $11,447,000 | $98,000 | $1,600,000 | $44,000 | $178,000 |
| Application Approved But Not Accepted | 34 | $4,372,000 | $128,000 | $1,027,000 | $55,000 | $229,000 |
| Application Withdrawn By Applicant | 5 | $638,000 | $127,000 | $204,000 | $67,000 | $107,000 |
| File Closed For Incompleteness | 2 | $449,000 | $224,000 | $328,000 | $45,000 | $91,000 |
| 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 2013 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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