Town & Country Bank Mortgage Lending & HMDA Data, 2016
In 2016, Town & Country Bank of Salem, MO reported 508 mortgage applications totaling $57.6 million, about the same as 2015. The average application was for $113,433, and applicants reported an average income of $68,202. 69% of its applications resulted in an originated loan and 20% were denied. Its largest markets were St. Louis, MO-IL (36), Springfield, MO (9) and Columbia, 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 | 508 |
| Total Mortgage Loan Application Amount | $57,624,000 |
| Average Mortgage Loan Application Amount | $113,433 |
| Highest Mortgage Loan Application Amount | $920,000 |
| Average Applicant Income | $68,202 |
| Highest Applicant Income | $812,000 |
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Act (HMDA) records Town & Country Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 134 | $ 16,500,000 | $ 123,134 | $ 65,000 |
| Dent, Missouri | 103 | $ 10,890,000 | $ 105,728 | $ 69,000 |
| Texas, Missouri | 84 | $ 7,056,000 | $ 84,000 | $ 56,000 |
| Douglas, Missouri | 40 | $ 4,869,000 | $ 121,725 | $ 67,000 |
| Wright, Missouri | 35 | $ 3,237,000 | $ 92,485 | $ 77,000 |
| Crawford, Missouri | 33 | $ 4,609,000 | $ 139,666 | $ 81,000 |
| Jefferson, Missouri | 18 | $ 3,037,000 | $ 168,722 | $ 73,000 |
| Franklin, Missouri | 9 | $ 1,478,000 | $ 164,222 | $ 127,000 |
| Maries, Missouri | 7 | $ 713,000 | $ 101,857 | $ 79,000 |
| St. Louis, Missouri | 6 | $ 561,000 | $ 93,500 | $ 87,000 |
| Greene, Missouri | 5 | $ 730,000 | $ 146,000 | $ 72,000 |
| Taney, Missouri | 4 | $ 468,000 | $ 117,000 | $ 77,000 |
| Iron, Missouri | 3 | $ 124,000 | $ 41,333 | $ 42,000 |
| Ozark, Missouri | 3 | $ 264,000 | $ 88,000 | $ 83,000 |
| Shannon, Missouri | 3 | $ 344,000 | $ 114,666 | $ 49,000 |
| Webster, Missouri | 3 | $ 352,000 | $ 117,333 | $ 63,000 |
| Boone, Missouri | 2 | $ 398,000 | $ 199,000 | $ 111,000 |
| Reynolds, Missouri | 2 | $ 90,000 | $ 45,000 | $ 32,000 |
| St. Louis City, Missouri | 2 | $ 367,000 | $ 183,500 | $ 47,000 |
| Madison, Illinois | 1 | $ 275,000 | $ 275,000 | $ 101,000 |
| Barry, Missouri | 1 | $ 268,000 | $ 268,000 | $ 365,000 |
| Benton, Missouri | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Christian, Missouri | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Cole, Missouri | 1 | $ 31,000 | $ 31,000 | $ 48,000 |
| Gasconade, Missouri | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Howell, Missouri | 1 | $ 97,000 | $ 97,000 | $ 74,000 |
| Laclede, Missouri | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Lawrence, Missouri | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Osage, Missouri | 1 | $ 289,000 | $ 289,000 | $ 104,000 |
| Pulaski, Missouri | 1 | $ 112,000 | $ 112,000 | $ 59,000 |
| Washington, Missouri | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank in 2016
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 | 309 | $31,766,000 | $102,000 | $597,000 | $64,000 | $496,000 |
| Refinancing | 168 | $23,364,000 | $139,000 | $920,000 | $78,000 | $812,000 |
| Home Improvement | 31 | $2,494,000 | $80,000 | $235,000 | $57,000 | $114,000 |
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 | 448 | $49,743,000 | $111,000 | $920,000 | $71,000 | $812,000 |
| Not applicable | 25 | $2,998,000 | $119,000 | $352,000 | $0 | $0 |
| Not Provided | 14 | $1,935,000 | $138,000 | $289,000 | $81,000 | $193,000 |
| Asian | 9 | $1,431,000 | $159,000 | $320,000 | $96,000 | $280,000 |
| American Indian or Alaskan Native | 5 | $837,000 | $167,000 | $276,000 | $69,000 | $177,000 |
| Hispanic | 4 | $452,000 | $113,000 | $200,000 | $137,000 | $400,000 |
| Black or African American | 3 | $228,000 | $76,000 | $92,000 | $34,000 | $41,000 |
| Native Hawaiin 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) | 474 | $54,402,000 | $114,000 | $920,000 | $71,000 | $812,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $2,723,000 | $87,000 | $172,000 | $36,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 3 | $499,000 | $166,000 | $170,000 | $46,000 | $52,000 |
| 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 | 350 | $40,974,000 | $117,000 | $920,000 | $75,000 | $812,000 |
| Application Denied By Financial Institution | 103 | $10,339,000 | $100,000 | $377,000 | $46,000 | $134,000 |
| Application Approved But Not Accepted | 36 | $3,882,000 | $107,000 | $380,000 | $73,000 | $188,000 |
| Application Withdrawn By Applicant | 19 | $2,429,000 | $127,000 | $275,000 | $53,000 | $176,000 |
| 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 2016 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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