Town & Country Bank Mortgage Lending & HMDA Data, 2015
In 2015, Town & Country Bank of Salem, MO reported 509 mortgage applications totaling $57.6 million, up 25% from 2014. The average application was for $113,159, and applicants reported an average income of $65,286. 75% of its applications resulted in an originated loan and 18% were denied. Its largest markets were St. Louis, MO-IL (29), Springfield, MO (8) 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 | 509 |
| Total Mortgage Loan Application Amount | $57,598,000 |
| Average Mortgage Loan Application Amount | $113,159 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $65,286 |
| Highest Applicant Income | $1,042,000 |
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Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 136 | $ 16,061,000 | $ 118,095 | $ 64,000 |
| Dent, Missouri | 103 | $ 8,855,000 | $ 85,970 | $ 57,000 |
| Texas, Missouri | 79 | $ 9,637,000 | $ 121,987 | $ 58,000 |
| Douglas, Missouri | 45 | $ 7,006,000 | $ 155,688 | $ 66,000 |
| Wright, Missouri | 44 | $ 4,445,000 | $ 101,022 | $ 68,000 |
| Crawford, Missouri | 28 | $ 2,747,000 | $ 98,107 | $ 52,000 |
| Franklin, Missouri | 13 | $ 1,427,000 | $ 109,769 | $ 67,000 |
| Maries, Missouri | 7 | $ 814,000 | $ 116,285 | $ 97,000 |
| Ozark, Missouri | 7 | $ 1,004,000 | $ 143,428 | $ 58,000 |
| St. Louis City, Missouri | 6 | $ 836,000 | $ 139,333 | $ 112,000 |
| Jefferson, Missouri | 5 | $ 640,000 | $ 128,000 | $ 52,000 |
| Webster, Missouri | 4 | $ 346,000 | $ 86,500 | $ 70,000 |
| Camden, Missouri | 3 | $ 234,000 | $ 78,000 | $ 68,000 |
| Shannon, Missouri | 3 | $ 266,000 | $ 88,666 | $ 35,000 |
| Taney, Missouri | 3 | $ 307,000 | $ 102,333 | $ 73,000 |
| Christian, Missouri | 2 | $ 134,000 | $ 67,000 | $ 57,000 |
| Howell, Missouri | 2 | $ 262,000 | $ 131,000 | $ 33,000 |
| Laclede, Missouri | 2 | $ 386,000 | $ 193,000 | $ 46,000 |
| St. Louis, Missouri | 2 | $ 675,000 | $ 337,500 | $ 521,000 |
| Baxter, Arkansas | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Jersey, Illinois | 1 | $ 124,000 | $ 124,000 | $ 101,000 |
| St. Clair, Illinois | 1 | $ 81,000 | $ 81,000 | $ 235,000 |
| Boone, Missouri | 1 | $ 350,000 | $ 350,000 | $ 95,000 |
| Cedar, Missouri | 1 | $ 72,000 | $ 72,000 | $ 52,000 |
| Gasconade, Missouri | 1 | $ 63,000 | $ 63,000 | $ 57,000 |
| Greene, Missouri | 1 | $ 109,000 | $ 109,000 | $ 95,000 |
| Iron, Missouri | 1 | $ 77,000 | $ 77,000 | $ 58,000 |
| Lawrence, Missouri | 1 | $ 174,000 | $ 174,000 | $ 113,000 |
| Miller, Missouri | 1 | $ 26,000 | $ 26,000 | $ 77,000 |
| Polk, Missouri | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Reynolds, Missouri | 1 | $ 51,000 | $ 51,000 | $ 41,000 |
| St. Charles, Missouri | 1 | $ 53,000 | $ 53,000 | $ 60,000 |
| Ste. Genevieve, Missouri | 1 | $ 43,000 | $ 43,000 | $ 547,000 |
| Washington, Missouri | 1 | $ 152,000 | $ 152,000 | $ 0 |
Mortgage Loan Application Detail Totals for Town & Country Bank in 2015
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 | 298 | $30,548,000 | $102,000 | $1,050,000 | $63,000 | $1,042,000 |
| Refinancing | 162 | $23,463,000 | $144,000 | $1,400,000 | $72,000 | $547,000 |
| Home Improvement | 49 | $3,587,000 | $73,000 | $371,000 | $57,000 | $148,000 |
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 | 468 | $51,813,000 | $110,000 | $1,400,000 | $68,000 | $1,042,000 |
| Not applicable | 21 | $3,668,000 | $174,000 | $700,000 | $0 | $0 |
| Not Provided | 7 | $589,000 | $84,000 | $158,000 | $66,000 | $113,000 |
| Hispanic | 6 | $612,000 | $102,000 | $205,000 | $73,000 | $189,000 |
| Asian | 5 | $773,000 | $154,000 | $256,000 | $103,000 | $280,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $33,000 | $33,000 |
| American Indian or Alaskan Native | 1 | $108,000 | $108,000 | $108,000 | $59,000 | $59,000 |
| 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) | 481 | $55,256,000 | $114,000 | $1,400,000 | $67,000 | $1,042,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,217,000 | $82,000 | $177,000 | $29,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $34,000 | $34,000 |
| 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 | 380 | $45,172,000 | $118,000 | $1,400,000 | $71,000 | $1,042,000 |
| Application Denied By Financial Institution | 94 | $9,056,000 | $96,000 | $500,000 | $46,000 | $141,000 |
| Application Approved But Not Accepted | 29 | $2,776,000 | $95,000 | $378,000 | $66,000 | $157,000 |
| Application Withdrawn By Applicant | 5 | $505,000 | $101,000 | $160,000 | $27,000 | $63,000 |
| Loan Purchased By The Institution | 1 | $89,000 | $89,000 | $89,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2015 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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