Town & Country Bank Mortgage Lending & HMDA Data, 2014
In 2014, Town & Country Bank of Salem, MO reported 406 mortgage applications totaling $48.0 million, down 25% from 2013. The average application was for $118,307, and applicants reported an average income of $65,640. 73% of its applications resulted in an originated loan and 19% were denied. Its largest markets were St. Louis, MO-IL (34), Springfield, MO (6) 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 | 406 |
| Total Mortgage Loan Application Amount | $48,033,000 |
| Average Mortgage Loan Application Amount | $118,307 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $65,640 |
| Highest Applicant Income | $510,000 |
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Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 92 | $ 12,914,000 | $ 140,369 | $ 78,000 |
| Dent, Missouri | 89 | $ 7,110,000 | $ 79,887 | $ 55,000 |
| Texas, Missouri | 65 | $ 5,521,000 | $ 84,938 | $ 60,000 |
| Wright, Missouri | 32 | $ 2,585,000 | $ 80,781 | $ 48,000 |
| Douglas, Missouri | 31 | $ 3,225,000 | $ 104,032 | $ 73,000 |
| Crawford, Missouri | 29 | $ 2,276,000 | $ 78,482 | $ 49,000 |
| Jefferson, Missouri | 14 | $ 1,631,000 | $ 116,500 | $ 57,000 |
| St. Louis, Missouri | 8 | $ 1,504,000 | $ 188,000 | $ 246,000 |
| Franklin, Missouri | 7 | $ 1,369,000 | $ 195,571 | $ 44,000 |
| Reynolds, Missouri | 6 | $ 489,000 | $ 81,500 | $ 64,000 |
| Greene, Missouri | 4 | $ 5,113,000 | $ 1,278,250 | $ 24,000 |
| Maries, Missouri | 4 | $ 558,000 | $ 139,500 | $ 51,000 |
| Camden, Missouri | 3 | $ 213,000 | $ 71,000 | $ 82,000 |
| Ozark, Missouri | 3 | $ 484,000 | $ 161,333 | $ 92,000 |
| Shannon, Missouri | 3 | $ 243,000 | $ 81,000 | $ 39,000 |
| St. Louis City, Missouri | 3 | $ 470,000 | $ 156,666 | $ 45,000 |
| Webster, Missouri | 2 | $ 975,000 | $ 487,500 | $ 79,000 |
| Madison, Illinois | 1 | $ 32,000 | $ 32,000 | $ 100,000 |
| Boone, Missouri | 1 | $ 119,000 | $ 119,000 | $ 120,000 |
| Cedar, Missouri | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Gasconade, Missouri | 1 | $ 295,000 | $ 295,000 | $ 201,000 |
| Henry, Missouri | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Howell, Missouri | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Iron, Missouri | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Laclede, Missouri | 1 | $ 40,000 | $ 40,000 | $ 29,000 |
| St. Charles, Missouri | 1 | $ 191,000 | $ 191,000 | $ 87,000 |
| Stone, Missouri | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Washington, Missouri | 1 | $ 166,000 | $ 166,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank in 2014
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 | 246 | $21,879,000 | $88,000 | $595,000 | $63,000 | $501,000 |
| Refinancing | 113 | $22,388,000 | $198,000 | $5,000,000 | $65,000 | $219,000 |
| Home Improvement | 47 | $3,766,000 | $80,000 | $450,000 | $81,000 | $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 | 378 | $39,446,000 | $104,000 | $1,200,000 | $69,000 | $510,000 |
| Not applicable | 16 | $7,144,000 | $446,000 | $5,000,000 | $0 | $0 |
| Asian | 7 | $1,035,000 | $147,000 | $236,000 | $78,000 | $136,000 |
| Not Provided | 2 | $148,000 | $74,000 | $98,000 | $51,000 | $72,000 |
| American Indian or Alaskan Native | 2 | $170,000 | $85,000 | $140,000 | $44,000 | $51,000 |
| Black or African American | 1 | $90,000 | $90,000 | $90,000 | $55,000 | $55,000 |
| 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) | 393 | $46,408,000 | $118,000 | $5,000,000 | $66,000 | $510,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $829,000 | $92,000 | $130,000 | $30,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 3 | $726,000 | $242,000 | $375,000 | $147,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 1 | $70,000 | $70,000 | $70,000 | $32,000 | $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 | 296 | $32,403,000 | $109,000 | $1,200,000 | $72,000 | $510,000 |
| Application Denied By Financial Institution | 78 | $7,508,000 | $96,000 | $450,000 | $46,000 | $251,000 |
| Application Approved But Not Accepted | 26 | $7,280,000 | $280,000 | $5,000,000 | $58,000 | $158,000 |
| Application Withdrawn By Applicant | 5 | $723,000 | $144,000 | $290,000 | $37,000 | $79,000 |
| File Closed For Incompleteness | 1 | $119,000 | $119,000 | $119,000 | $57,000 | $57,000 |
| 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 2014 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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